YOUR HOME FOR MEDICARE PLAN OPTIONS

Your independent agent is here to help you find a policy individualized for your health care needs AND your budget!

Unparalleled Knowledge

For more than two decades, Medicare Plan Options has been a leader in the health insurance industry in the state of Florida. We have a lifetime of experience in understanding our clients’ health insurance needs. 

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100 Percent Independent

As your independent agency, Medicare Plan Options can find the best plan to suit your budget by comparing benefits and costs from the leading Medicare Advantage insurance companies available throughout the state of Florida. 

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Year-round, Local Service

Unlike other health insurance agencies, we specialize in personalized services extending beyond open enrollment. With more than 500 agents throughout Florida serving you throughout the year; whether it is online, on the phone or in person, we are here to serve your individual needs.

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OUR CARRIERS
MEDICARE FOR YOU!

Your independent agent is here to help you find a policy individualized for your health care needs AND your budget!

Medicare Advantage Plans

Medicare Advantage Plans are private health plan options approved by Medicare. Plans are administered by various insurance companies. Medicare Advantage plans are an option for beneficiaries who have Medicare Parts A & B and live in the plan’s service area. 

Click here to contact an agent who can assist you with Medicare Advantage Plans.

Long Term Care

Medicare Part A (Hospital insurance) covers care in a long-term care hospital that treats patients who may have more than one serious condition but who may improve with time and care, then returns home. 

Click here to contact an agent who can answer your questions about Long Term Care.

Special Enrollments

Once your Initial Enrollment when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). 

Click here to contact an agent who can answer your questions about Special Enrollments.

Supplemental Plans

Medicare Supplement Insurance (also called Medigap), sold by private companies, can help pay some of the health care costs that Original Medicare does not cover. 

Click here to contact an agent who can answer your questions about Supplemental Plans.

Medicaid/Medicare

Some people who are eligible for both Medicare and Medicaid are called “dual eligibles”. If you have Medicare and full Medicaid coverage, most of your health insurance costs are likely covered. 

Click here to contact an agent who can answer your questions about Dual Eligibility.

Prescription Drug Plans

Medicare offers prescription drug coverage to everyone with Medicare. To get Medicare drug coverage you must join a plan run by an insurance company or private company approved by Medicare. 

Click here to contact an agent who can answer your questions about Prescription Drug Plans.

Special Needs Plans

Special Needs Plans (SNPs) provide focused and specialized health care for specific groups of people, such as those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.
Click here to contact an agent who can answer your questions about Special Needs Plans.

Coverage Gap

Most Medicare Prescription Drug Plans have a coverage gap (also called the “donut hole”). Not everyone will enter the coverage gap. The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs. 

Click here to contact an agent who can answer your questions about the Coverage Gap.

Extra Help

Save on drug costs! If you meet certain income and resource limits, you may qualify for Extra Help from Medicare to pay the costs of Medicare prescription drug coverage. 

Click here to contact an agent who can answer your questions about Extra Help.

QUESTIONS ABOUT MEDICARE?

With more than two decades of experience, we are the experts in Medicare and can answer any questions you might have.

Which services does Medicare cover?


Medicare covers certain medical services and supplies in hospitals, doctors’ offices, and other health care settings. Read More.




When can I enroll?


Open enrollment has started for all existing Medicare plans. When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. And, there are special enrollments. Read More.




What is a Medicare Advantage Plan?


A Medicare Advantage Plan (like an HMO or PPO) is another way to get your Medicare coverage. A Medicare Advantage Plan, sometimes called “Part C” or “MA Plan,” is a Medicare health plan offered by a private company that contracts with Medicare. Read More.




What does a Medicare Advantage Plan Cover?


Medicare Advantage Plans cover all Medicare Part A and Part B services except hospice care and some costs in qualifying research studies. They also cover emergency and urgent care. Read More.




What are the different types of Medicare Advantage Plans?


Health Maintenance Organization (HMO) plans – With most HMO plans, you can only go to doctors, other health care providers or hospitals in the plan’s network except in an urgent or emergency situation. Read More.




How does Medicare Prescription Drug Coverage (Part D) work?


Medicare offers prescription drug coverage to everyone with Medicare. You must join a prescription drug plan approved by Medicare in order to receive the drug coverage. Read More.




How can I get Medicare prescription drug coverage?


Enroll in a Medicare Prescription Drug Plan (sometimes called “PDPs”). You must have Part A or Part B to join a Medicare Prescription Drug Plan. Another option is to enroll in a Medicare Advantage Plan. Read More.




What is a Medicare Supplement or “Medigap Policy”?


Original Medicare pays for many health care services and supplies, but not all. Medicare Supplement Insurance policies (also called Medigap policies), sold by private companies, can help pay some of the health care costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles. Read More.




What is a Coverage Gap?


Most Medicare drug plans have a Coverage Gap (also called the “donut hole”). The coverage gap begins after you and your drug plan together have spent a certain amount for covered drugs. Read More.





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