Why Should I Get an Agent or Broker? International Insurance Dental Insurance Short Term Health Insurance Critical Illness Insurance Other Insurance Options Neil Primack - Health & Life Insurance Advisor Medicare Supplemental Insurance - Florida Many seniors and younger will need supplemental health insurance to pay for expenses not covered by Medicare. It should be noted that neither Medicare nor a Florida Medicare supplemental insurance policy will cover most long term care insurance expenses. There are many types of health insurance coverages that you can purchase to supplement your Medicare coverage. Supplemental insurance will pay for some or all of your health care costs that are not covered by Medicare.     • Neil Primack •     Florida Health & Life Insurance Advisor Palm Beach County, FL 163 Pennock Trace Drive Jupiter, Florida 33458 Toll-Free Phone / Fax to: 1-800-577-9072         These types of health insurance coverages include: Employee or Retiree Coverage    (from your employer or union) Medigap Insurance    (from a private company or group) People often refer to all of these types of health insurance coverages as "supplemental insurance." However, "Medicare Supplement" or "Medigap" insurance is a specific type of insurance that is subject to federal and Florida state laws. Medigap (Florida Medicare Supplemental Insurance) Medicare supplemental insurance policies that are sold by private insurance companies to Medicare beneficiaries to fill the "gaps" in Original Medicare Plan coverage. There are ten standardized policies, Plan A through Plan J. The state of Florida decides which of the 10 policies can be sold in the Sunshine state. Medigap policies only work with the Original Medicare Plan. Medicare SELECT - Florida A type of Medigap policy that must meet all of the requirements that apply to a standard Medigap policy. You may be required to use doctors and hospitals within its network in order to be eligible for full benefits. Managed Care Plans - Florida A Managed Care plan involves a group of doctors, hospitals, and other health care providers who have agreed to provide care to Medicare beneficiaries in exchange for a fixed amount of money from Medicare every month. Florida Managed Care plans include Health Maintenance Organizations (HMOs), HMOs with a Point of Service (POS) option, Provider Sponsored Organizations (PSOs), Preferred Provider Organizations (PPOs), and Cost Plans. Medicare Advantage Plans - Florida Medicare Advantage Plans are health plan options that are part of the Medicare program. If you choose to join a Medicare Advantage Plan, you typically get all your Medicare-covered health care through that plan. This coverage can also include prescription drug coverage. Medicare Advantage Plans include: Medicare Health Maintenance Organization (HMO) Preferred Provider Organizations (PPO) Private Fee-for-Service Plans Medicare Special Needs Plans Medicare Advantage Plan members are issued a health insurance card for your health care. In most of these plans you will receive extra benefits and lower copayments than in the Original Medicare Plan. However, you may be required to see doctors that belong to the plan or go to certain hospitals to get services. You must have Medicare Part A and Part B to join a Medicare Advantage Plan. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. If you have a Medigap policy, you may want to discontinue it if you join a Medicare Advantage Plan. It is not required that you do so, but your Medigap policy will not pay any deductibles, co-payments, or other cost-sharing under your Medicare health plan if you are enrolled in a Medicare Advantage Plan.   ***Note Disclaimer: Neil Primack and neilprimack.com offers a service and free information intended to make access to Medicare and related information easier. It is not associated with, nor endorsed or authorized by the Social Security Administration, the Health Care Financing Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services, nor do we claim to be. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare. If you would like to visit the Official US Government Site for People with Medicare, go to www.medicare.gov Click here for Information on Medicare Prescription Drug Plan - Part D Or click on the link below to fill out a secure quote request form for a Florida health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with our Florida Health Insurance agent specialist, Neil Primack at (561) 254-1257 to discuss the policy features in more detail. Click HERE to fill out a Florida Medicare supplemental policy quote request form We are a Jupiter, FL insurance agency offering affordable Florida family health insurance policy quotes to residents of the following cities and counties: Stuart, Port St. Lucie, Palm City, North River Shores, Port Salerno, Jensen Beach, Hobe Sound, Jupiter Island, Port Sewall, Walton, Ankona, Fort Pierce, Palm Beach Gardens, St. Lucie, Vero Beach, Gifford, Indian River Shores, Indrion, Oslo, Eldred, White City, Lakewood Park, Riomar, Wabasso, Sebastian, Indiantown, Tequesta, Boynton Beach, Gulf Stream, Boca Raton, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Coral Springs, Fort Lauderdale, Parkland, Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield Beach, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca West, Boca Pointe, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach, Cooper City, Davie, West Miami, Hollywood, Broward County, Martin County, Palm Beach County, and Miami-Dade County, FL. We can also offer our Florida health insurance quotes throughout the Sunshine state, including in Miami, Orlando, Tampa, St. Petersburg, Gainesville, Tallahassee, and Jacksonville, FL.