Finding the right Medicare plan can be a difficult decision but with the help of a licensed health insurance agent, it can be a lot easier. If you are about to age into Medicare, want to switch plans, or are moving to Florida for retirement, call Buffalo Health Advisors to get help finding the right Medicare health insurance plan for you.

Florida medicare beneficiaries can find a variety of benefits

Buying a Medicare Advantage Plan in Florida

Signing on for Original Medicare will always give beneficiaries the same benefits no matter which state they live in. However, the offerings for Medicare Advantage plans vary depending on the zip code.

If you’re retiring in Florida, as many Americans choose to do, you may be able to find a Medicare Advantage plan with higher-quality benefits than you would elsewhere.

Unique Benefits of Florida Advantage Plans

  • Lower out of pocket expenses
  • Part B Buyback Plans
  • $0 Copays
  • Transportation to appointments
  • Dental Care
  • Vision Care
  • At-Home Medicare Care
  • Hearing Care
Florida Medicare benefits are available to seniors and other qualifying applicants

Types of Advantage Plans

Preferred Provider Organization (PPO) Plans

One of the most popular Medicare Advantage plan options, PPO plans give beneficiaries easy access to a network of doctors within the plan’s network. You can still seek medical care outside of the network, but you will receive the highest level of covered care when you visit a provider in-network.

Generally, you won’t have to select a PCP when you join a PPO network. This also allows you to see any doctor in your network without needing a referral. You will need to make sure that your doctor is in-network before receiving care, otherwise, you may have to pay higher out-of-pocket costs.

Learn more about Medicare PPO Plans.

Health Maintenance Organization (HMO) Plans

Typically HMO plans have lower costs than PPO plans. However, in exchange for reduced costs, beneficiaries will have to select a PCP who manages all of their healthcare. So, if you want to see a specialist, such as an ENT, you will need to first visit your PCP to receive a referral. You will also need to pay a copay when you see your PCP or any specialists.

Florida SNPs

An SNP, or Special Needs Plan, is a Medicare Advantage plan that offers coverage to people with End-Stage Renal Disease (ESRD), chronic diseases, and other debilitating conditions. Additionally, SNPs also offer benefits to people under 65 who qualify for the plan’s terms. Normally, only people above the age of 65 can receive Medicare benefits. Plans can be customized to meet the needs of each individual.

SNPs are also available to seniors who live in long-term care facilities, such as nursing homes.

Learn more about Special Needs Plans.

Private Fee-for-Service (PFFS) Plans

For people who have disabilities, End-Stage Renal Disease, or low-incomes. A special needs plan is a unique Medicare Advantage option as it does not require that beneficiaries are age 65 or older. Instead, anyone who has a qualifying debilitating disease or disability and falls within certain income tiers can qualify for an SNP.

Furthermore, SNPs are made specifically to fit the needs of their beneficiaries. Additionally, all SNP must provide Medicare prescription drug coverage for subscribers. If you feel that an SNP is right for you, call one of our expert healthcare agents to discuss your options.

Learn more about Private-Fee-for-Service Plans

How Do I Qualify for Florida Medicare Advantage Benefits?

In order to qualify for Advantage benefits in Florida, you must have both Medicare Part A and Part B. You must also be age 65 or older, or about to turn 65. Usually, potential beneficiaries will have to manually sign up for Original Medicare before they can join an Advantage plan. Working with a licensed health insurance agent can help you expedite and streamline the application process.

Call Buffalo for Florida Medicare Advantage Plans

We know how complicated it can be to find the right Advantage plan. At Buffalo Health Advisors, our agents get to know you and what you need out of your plan. Then, we will go on the hunt for the plan that’s the perfect fit for you.

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