Affordable Medicare Health Insurance in Florida

Medicare is a federal health insurance program primarily for those aged 65 or older and others with certain disabilities or conditions. It covers hospital care (Part A), medical services (Part B), and prescription drugs (Part D). With Insurance Professionals USA by your side, you can confidently navigate your Medicare eligibility and coverage options.

Medicare Advantage Plan (Part C) is an all-in-one alternative to Original Medicare, offered by private insurance companies approved by Medicare. These plans encompass all benefits and services covered under Part A and Part B, typically including prescription drug coverage. Our team at Insurance Professionals USA can help you evaluate whether a Medicare Advantage Plan is the right choice for you.

These terms represent different types of health insurance plans. We at Insurance Professionals USA can guide you through understanding these plans, ensuring that you select the one that best aligns with your needs and preferences.

A premium is the monthly amount you pay for your health insurance, irrespective of whether you use medical services. This amount is crucial for keeping your coverage active. Our agents can assist you in understanding the premiums associated with your chosen plan.

A deductible is what you pay for covered healthcare services before your insurance plan starts to pay. We can help you understand how deductibles work within your insurance plan.

Co-insurance is your share of the costs of a covered health care service, paid after you've met your deductible. We can clarify how co-insurance impacts your out-of-pocket costs.

Out-of-pocket expenses are costs you pay that aren't reimbursed by insurance. This includes deductibles, co-insurance, and co-payments for covered services, plus all costs for services that aren't covered. Our team can guide you in managing these expenses effectively.

You cannot be enrolled in both Original Medicare and a Medicare Advantage Plan simultaneously. If you join a Medicare Advantage Plan, you'll still have Medicare, but your coverage comes from the Advantage Plan, not Original Medicare. We can guide you in choosing the plan that best suits your needs.

Not all doctors accept Medicare Advantage Plans. Coverage depends on whether the doctor is in-network for your specific plan. We can assist you in confirming whether your healthcare provider is covered under your plan.

Original Medicare does not cover prescription drugs. However, you can add drug coverage by joining a Medicare Prescription Drug Plan (Part D). Most Medicare Advantage Plans include prescription drug coverage. Our team can guide you in understanding your prescription drug coverage options.