Florida Medicare Supplement Insurance Q and A
What is the difference between Medicare Supplemental Insurance and Medigap Insurance
The two terms are synonymous. Medicare Supplemental Insurance is also called Medigap Insurance. It got this nickname because the insurance fills the gaps left by Medicare alone.
How can I apply for Medicare Supplemental Insurance?
The application process for Medicare Supplemental Insurance is very easy and can be done over the phone or in person. The process takes about 30 minutes and most times the policy can be issued within a week. You can call my office today at (239) 288 - 0880 , fill out the form on this webpage and I will be in contact shortly or send me an email at V.Reed.Speas@gmail.com
Do I have to qualify and answer health related questions for Medicare Supplemental Insurance?
If you are turning 65 you are in a Guaranteed Issue period for the 7 months surrounding your 65 birthday. This means you will not have to answer any health questions and cannot be denied coverage for health reasons. There are other Guaranteed issue periods for Medicare Supplemental insurance some of them are: leaving a employer sponsored health plan, being dropped by a Medicare Advantage Plan or a Medicare Advantage plan you are enrolled in going out of business, or leaving a Medicare Advantage Plan after your first year.
I am moving from Ohio to Florida, can I keep my Medicare Advantage plan that I have in Ohio?
Most times you cannot keep a Medicare Advantage plan when moving out of the coverage area. Medicare Advantage plans have network Hospitals and Doctors. When moving out of the coverage area you will be in a guaranteed issue period for a Florida Medicare Supplement. Florida Medicare Supplemental Insurance has no network Hospitals or Doctors, You can see any doctor anywhere. In addition you can keep the policy if you move to another state.
What is a Medicare Advantage plan?
Medicare Advantage Plans are also referred to as Medicare Part C. They are private insurance plans that you can choose in place of Medicare A and B. Most times the Advantage Plans come with coinsurance, copays, deductibles and coverage limits.
Links to useful websites
- Find a Part D Plan
- Fort Myers Insurance Agent
- Florida Medicare Supplement
Van "Reed" Speas II is an insurance agent, He is not connected with or endorsed by the U.S. government or the federal Medicare program.