Florida Blue Medicare Regional PPO Plan

As a Florida resident 65 or older, you’re probably well aware of the choices you have for receiving your Medicare benefits. And while choice is always a good thing, there’s a reason why more and more Florida seniors are choosing Blue Medicare Regional PPO Plans for ensuring they receive their Medicare benefits with the most flexibility, predictability and security in a quality Medicare health plan.

A Plan That Works For You

When ease and convenience are important priorities, nothing beats the Florida  Blue Medicare Regional PPO plan for giving you flexible choices and options. With $0 monthly plan premiums and $0 deductibles for prescription drug benefits, you can’t find more reliable coverage at a more competitive price. It’s the freedom to choose your own doctors and hospitals with no referral, the freedom to travel with confidence with worldwide emergency coverage and modest out-of-pocket expenses like co-pays and co-insurance. That’s flexibility and predictability in a plan that works for you and your lifestyle.

Dependable Coverage You Can Trust

With so many different providers, it’s often a challenge to find Medicare providers you can truly trust. It’s tough to know which companies are reliable and which are not. Florida seniors overwhelmingly choose Florida Blue as their Medicare provider and the Florida Blue Medicare plans have earned a reputation as a dependable, top of the line option. Florida Blue Medicare plans have earned a solid reputation built on generations of happy, satisfied customers. With a Blue Medicare health plan, you’re getting more than a piece of paper, but a promise that when you need health care, you can get it- no questions asked.

Peace of Mind and Confidence 

These days, choosing a health care provider to manage your Medicare benefits is one of the most important decisions you can make. The right provider can ensure a hassle free experience and has a significant impact on the ease and convenience with which you receive medical care. For quality, cost effectiveness and confidence in a top of the line Medicare health plan, consider a Blue Medicare Regional PPO plan and get the peace of mind you deserve.

The Importance of Insuring Your Children

One of the most important things you can do for your children, next to providing them with plenty of food and a safe environment, is to make sure they have adequate medical care. The best way to do that is to make sure they are covered under some sort of health insurance policy.

Reasons to insure your child
If you don’t have a lot of money, you may think you can get by without health insurance, especially if your child is healthy. However, all it takes is for one of your children to experience a major illness or injury and it could put you in a financial bind.

And even if you are lucky and your child avoids a major illness or injury, minor illnesses can turn into a problem when you can’t afford to take your child to the doctor. In addition, kids need to see a doctor periodically even if they seem healthy. Routine visits allow doctors to make sure your child is growing normally and developing appropriately.

Insurance options
If your employer provides group health insurance coverage, you should be able to add multiple children to the policy for a relatively small premium increase. If you have an individual policy, you should check with your insurer to see what options they provide for health insurance for children only.

If you can’t afford health insurance, you may qualify for government assistance getting health insurance for yourself and your children through Medicaid

Even if your income is too high to qualify for Medicaid, there is a federal program called the Children’s Health Insurance Program that is administered by the states and provides coverage for children up to age 19. Though each state has slightly different requirements, the general requirements are that families of four can make up to $45,000 a year and still qualify. Also, the cost of the program cannot exceed more than five percent of your monthly income. Go to mychildspolicy.com to learn more about child insurance.

4 Tips For Shopping for Medigap Insurance

Because Medicare and Medicaid don’t cover exactly everything in the medical industry, there are definitely some things that they fall short on. This is where Medicare supplemental insurance, also known as Medigap insurance, comes into play. Medicare supplements can be purchased separately from a private company. However, it can be hard to know which companies are providing the best service as opposed to which ones that don’t. These are four helpful tips for shopping for Medigap insurance and getting the best Medicare supplement rates.

1. Are Pre-Existing Conditions Covered?

One of the first things you should be asking companies when shopping for Medigap insurance is whether or not pre-existing conditions are covered. Contrary to popular belief, many companies do not cover existing conditions at the time of purchase of the policy. Before making a big mistake and signing an agreement with a company that won’t cover an existing condition you might have, read the fine print.

2. Watch Out for Companies that Heavily Pressure You to Buy

Illegitimate private insurance companies have questionable methods for getting customers to buy their insurance policies. If an agent tries to scare you into buying or if you were contacted about the insurance policy via a “cold call,” be extremely cautious with the company in question. Don’t let insurance agents scare you into an expensive life insurance policy. These are all tactics to dip into your wallet; know how to recognize them.

3. Check for Unbiased Reviews of the Company Online

The internet is wonderful for many things. This includes uncovering the truth about practically any company you can think of. Customers are often willing to tell the world exactly what they think of a company, and this is even more true if they’ve been wronged. Check in unbiased consumer communities for reviews on the company in question. Check for talks on claim reliability, refund policies, and more.

4. Question Whether You Truly Need Medigap Insurance

There might be a chance that you don’t actually need Medigap insurance. Maybe your employer already offers an insurance option that covers your specific medical needs. Maybe you’re just ready to ditch the company you have now for some insignificant reason. Don’t make an unnecessary purchase without doing all the research first.

Overall, there are several things you should look out for when shopping for Medigap insurance. Don’t make the mistake of buying into a policy that you later won’t want. Do your research and compare companies/policies before making a decision.

How Does Medicare Supplemental Insurance Work?

medigap insurancePeople who are newly eligbile for Medicare often feel overwhelmed by all of the Medicare supplemental insurance plans available to them. There are three primary parts of Medicare: Part A, Part B and Part D. Supplement insurance is designed to cover medical expenses that are not covered by Medicare, including copayments, deductibles and coinsurance. Medicare supplemental insurance policies can only cover medical expenses that have been deemed medically necessary by Medicare. Some plans offer additional coverage that Medicare doesn’t, such as coverage if you have a medical emergency in a foreign country.

Medicare supplemental insurance benefits are set by the government, but the actual policies are sold by privately-owned insurance companies. These policies are automatically renewed each year so that you are never without coverage unless you cancel it. Be aware that you may not be eligible to purchase a new policy if you drop your current Medicare supplement insurance policy.

There are 10 Medicare supplement plans that are considered standard, and each of these plans offers you a combination of medical benefits. They are standard in that if you are shopping around looking at Florida Medicare supplement quotes and your sister, who lives in Indiana, is looking at the same plan in her area, the coverage is going to be identical, even if it is offered by different insurance carriers. The prices may differ in different areas, but the coverage is the same.
The supplement insurance plans are labeled according to the alphabet. Every insurance company that offers any Medicare insurance options is required to offer Plan A. They must also offer Plan F or Plan C if other plans are offered.

Some people don’t need to purchase Medicare supplemental insurance, such as those who are covered by health insurance through COBRA or their employer. People who are covered by Medicaid also don’t need to purchase supplemental insurance because all of the medical costs that are not covered by Part A are paid by Medicaid. It’s important to note that there may be a penalty if you delay purchasing Medicare Part B coverage, so you should talk to the Social Security Administration about your individual situation to ensure that no penalty will be assessed if you delay coverage until retirement.

State and federal laws allow employees who have left their jobs to continue being covered by group insurance through their former employer for a set amount of time as long as they pay the required premiums. People who are covered through COBRA may not need Medicare supplement insurance until their coverage expires. You may still be subject to penalties if you don’t enroll in Part B coverage by the deadline because COBRA is not considered the same as employer-sponsored health plans.