Medicare Part B in Florida
Medicare in Florida has four plans: Medicare Part A, Medicare Part B, Medicare Part C and Medicare Part D. Created in 1965, the various plans cover a wide array of medical expenses and treatments which can range from outpatient services to long-term care. While Medicare Part A plans provide coverage for any type of medical service that requires hospital stays, nursing facilities and hospice care, Medicare Part B is what is traditionally known as medical insurance. Medicare Part B plans are designed to cover all necessary medical services and preventive services for beneficiaries. Review more information about Medicare Part B plans in the following sections:
- Eligibility for Medicare Plan B in Florida
- Benefits of Medicare Part B and Medicare Part B costs in Florida
- How to Apply for Medicare Part B Plans in Florida
Eligibility for Medicare Plan B in Florida
In order to be eligible for Medicare Part B plans, or Medicare in general, a prospective beneficiary must be at least 65 years or older. However, if a prospective beneficiary has a registered, permanent disability, he or she may be eligible for Medicare before the required age of 65. Other general requirements are that all applicants must be legal residents of the state of Florida and be legal United States citizens. There are also other factors that will affect a person's eligibility for Medicare Part B plans in the state of Florida. Medicare Part B applicants are also expected to be eligible for Social Security benefits or for the Railroad Retirement Board before they can apply for Medicare. Applicants who are considering Medicare Plan B must fall within a certain income level and need level. The income and need levels may vary depending on where prospective beneficiaries are located. For specific values, applicants are advised to contact their local health care providers. To learn more specifics about Medicare Plan B eligibility, download our free guide.
Benefits of Medicare Part B and Medicare Part B costs in Florida
There are many benefits to Medicare Part B health care in Florida. Typical benefits include coverage for mental health costs, clinical research, second opinions, ambulances and certain prescription drugs. Oftentimes, clinical research trials are costly with office visits and tests. In many cases, Medicare Plan B will cover those costs. In order to have Medicare Part B pay for an ambulance, any other method of transportation must be hazardous to the overall health of a patient, and if the situation calls for it, Medicare will pay for air transportation, as well. Medicare Part B Plans will cover costs for inpatient visits, outpatient visits and hospitalizations due to mental illness; however, patients must be able to show notarized proof of mental illness before any mental illness benefits will be provided.
Because Medicare Part B Plans are voluntary coverage, there are associated premiums. Medicare Part B premiums in FL must be paid monthly, and if an applicant receives Social Security benefits or Railroad Retirement benefits, the Medicare Part B cost is deducted automatically. There is a range of premiums for Medicare Part B plans, and they will generally be anywhere from $109 to $428, on average, but they can cost more depending on income levels. Most Medicare Part B applicants will pay the standard rate of $134. There are many things that factor into Medicare Part B costs in Florida that may raise or lower the price. If a beneficiary is enrolling into Medicare Part B for the first time, he or she will have a higher rate. Read more about Medicare Part B rate fluctuations by downloading our free guide.
How to Apply for Medicare Part B Plans in Florida
In the state of Florida, Medicare Part B and Medicare Part A plans allow for automatic enrollment, as long as patients are receiving qualifying benefits. Disabled residents of Florida will be able to enroll much earlier as long as they have the proper paperwork on hand. There are some important dates to keep in mind - since Medicare Part B coverage is an optional coverage. Medicare Part B plans can either be enrolled in or dropped by qualifying patients.
There are three different enrollment periods to be aware of include: The Initial Enrollment Period (IEP), the General Enrollment Period and the Special Enrollment Period. The IEP is when most residents will choose to enroll into Medicare Part B plans or choose to drop them if they are automatically enrolled and no longer want the services. The IEP is a seven-month period that will begin three months prior to a beneficiary's 65th birthday and will end three months after his or her birthday. The General Enrollment Period is for beneficiaries to enroll into plans, but there may be late enrollment penalties associated with Medicare Plan B if beneficiaries did not enroll during the IEP. The Special Enrollment Period (SEP) is for the working-aged, international volunteers and the working disabled. Beneficiaries are eligible for SEP if they were currently enrolled in a spouse's or a family member's health care plan during the time they were eligible for Medicare Part B and Medicare Part A, passing up the chance to enroll. Furthermore, any patients volunteering internationally when they were first eligible and did not enroll will be considered for SEP. This enrollment period allows for patients to enroll at any point - without penalty.