Medicare Part C Coverage in Florida
Medicare supplemental insurance is often chosen by Florida residents who have opted to forgo traditional Medicare (Plan A and Plan B). Medicare Plan C covers just about all of the services offered by traditional Medicare; the only difference from Plan A and Plan B is that Medicare supplemental insurance is offered by private health care companies rather than the Medicare company, itself, and Medicare Plan C and Plan D may offer more benefits than Plans A and B. If a beneficiary is enrolled into Medicare Part C and Part D, he or she will not be able to enroll into Medigap plans. For more information on Medicare Part C plans, the following topics are available for review:
- Benefits of Medicare Plan C in Florida
- Eligibility for Medicare Part C Plans in Florida
- Medicare Part C Costs in Florida
Benefits of Medicare Plan C in Florida
There are many benefits to having Medicare Plan C in the state of Florida. Medicare supplemental insurance is offered through a private healthcare provider, rather than the Medicare company. Many prefer to enroll into Medicare Part C and Medicare Part D to keep medical visits under one physician, rather than multiple; it simplifies the complicated healthcare system. Medicare Part C is only accepted at certain places; not all providers will accept Medicare Part C Plans at their practices, so it is important to check which healthcare establishments will and will not take Medicare supplemental insurance before enrolling into the medical coverage plan. Medicare benefits include everything traditional Medicare offers – the only exception is hospice care. Medicare supplemental insurance will only cover medically necessary services – it will not fund elective services. However, unlike traditional Medicare plans, Medicare Part C plans often cover extra services, such as hearing, dental, vision and mental health programs.
Eligibility for Medicare Part C Plans in Florida
In order to be eligible for Medicare supplemental insurance, there are some basic guidelines that must be met. To proceed with Medicare supplemental insurance enrollment, all prospective beneficiaries must be residents of the United States. Furthermore, all legal residents and United States citizens must be legal residents of the state of Florida. There is a minimum age requirement for Medicare plans, which is set at 65 years of age. However, if a resident has a documented disability, he or she may be able to qualify for Medicare coverage before the required age. Unlike Medicare Plan A and Medicare Plan B, Medicare Plan C does not automatically enroll beneficiaries when they turn 65 years of age. In order to enroll into Medicare Part C, beneficiaries must fill out an application and submit it. The Initial Enrollment Period is when most people sign up for Medicare Part C plans, but certain times of the year will have enrollment windows for those who want to change Medicare plans. However, those who qualify for the Special Enrollment Period will be allowed to enroll in Medicare at any point.
Medicare Part C Costs in Florida
Because beneficiaries must enroll into Medicare Part C plans, there are Medicare Part C costs that must be paid on a monthly basis. Medicare Plan C costs can vary from zero dollars to $200 per month. The money must be paid to Medicare, first, who will then pay the money owed to the private health insurance company. The monthly payments for Medicare supplemental insurance are a fixed amount, but these costs may differ depending on the insurance company. There are many factors that will contribute to the monthly Medicare Plan C payment amount. Sometimes there are certain benefits, like Social Security benefits and Railroad Retirement Board benefits that may pay some of the premium each month. Other factors include the services a beneficiary requires, the physician the beneficiary sees, limits on out-of-pocket costs and if a beneficiary has Medicaid or any other federal assistance.
The out-of-pocket Medicare Part C costs also vary depending on the companies offering the health plans. Some companies offering Medicare Part C may require their beneficiaries to have a referral before seeing a specialist, or they may require their beneficiaries to only visit approved doctors of facilities specified in health plans – or the beneficiaries will have to pay out-of-pocket. Of course, all of these rules are subject to change and can be changed yearly, depending on legislature. For more specific information on Medicare Part C plans, download our free guide.
What Assistance Benefits Does the Department of Children and Families Provide?
Various assistance benefits are available to residents of Florida through the Department of Children and Families (DCF). Families can receive benefits that allow them to buy nutritious groceries, save money on school lunch for their children and obtain temporary financial assistance. Additionally, petitioners who qualify for one assistance program are also typically eligible for other benefits in Florida. Find out how to qualify for benefits through Florida’s DCF and how to apply for them by downloading our comprehensive guide.
Who Can Receive Assistance Benefits in Florida?
Each assistance program offered through Florida’s Department of Children and Families has various eligibility qualifications that petitioners must meet in order to enroll. Household size and income are only a few factors that are typically taken into account. For more details on eligibility for Florida DCF assistance programs, download our guide.