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Medicare

Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). 

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans. 

Other less common types of Medicare Advantage Plans that may be available include  

Hmo Point Of Service (Hmopos) Plans

 and a  

  • Medicare Medical Savings Account (MSA) Plan

Medicare (only) Plans

Medicare plans that to be eligible you must be entitled to Medicare Part A, be enrolled in Medicare Part B and live in the plans service area.

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Medicare and Medicaid Plans
DSNP ( Dual Soecial Needs Plans )

Medicare plans that to be eligible you must be entitled to Medicare Part A, be enrolled in Medicare Part B, be eligible for Florida Medicaid and live in the plan's service area.

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Medicare Chronic Plans
CSNP(Chronic Special Needs Plans)

Medicare plans that to be eligible you must be entitled to Medicare Part A, be enrolled in Medicare Part B, live in the plans service area and have a qualifying chronic condition.

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Medicare Prescription Drug Plans

These plans are the Part D of Medicare (sometimes called "PDP's")

They add drug coverage to Original Medicare, some Medicare Advantage plans like Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans and others. Also many people that opt for a Medicare Supplement Plan

**Important information** 

Some Medicare prescription drug plans require you to pay a Part D yearly deductible before it will share the cost of your medications. The fact that a yearly deductible is an out-of-pocket Medicare Part D cost—in addition to the Medicare Part D copays and/or Medicare coinsurance you pay for prescriptions—is often overlooked when comparing out-of-pocket expenses.

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Medicare Supplement Insurance
(Medigap)

In Original Medicare, you generally pay some of the costs for approved services. Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs.

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