Advantage plans for Medicare recipients provide additional benefits beyond those provided by Original Medicare, including a cap on out-of-pocket costs and protection against the total cost of dentistry, eye, and hearing services.

However, as a rule, you'll be restricted to using in-network stores and services. However, because M.A. plans are managed by private insurance agencies, comparing prices and coverage options is essential. There are three opportunities to enroll in or switch plans: the initial enrollment period, the Medicare open enrollment period, and the Medicare Advantage open enrollment period.

To find the top Medicare Advantage providers and policies for 2023, we examined a variety of criteria, including care quality, customer satisfaction, features, cost, Medicare donut hole coverage, and plan service regions. Vision, dental, hearing care, wellness plans, international medical evacuation, and telemedicine services are all included in the programs offered by the following companies.

Top Florida Medicare Supplement Insurance Companies

Humana GoldPlus

Humana's GoldPlus HMO plan is competitive, achieving 4.5 out of 5 stars from CMS and rating third in J.D. Power & Associates' Medicare Advantage study. In addition to its low price and high quality, the GoldPlus plan covers hospitalization and emergency department trips outside the country, unlimited doctor's appointments, and free yearly screenings.

UnitedHealthcare

Insulin may be the most common and costly healthcare necessity for those with diabetes. If you need insulin often, you may appreciate UnitedHealthcare's Part C coverage choices, which have a maximum cost of $35. Many of UnitedHealthcare's Florida plans also include extensive dental coverage.

Florida Blue

Most Medicare Part C plans are health maintenance organizations (HMOs), which means that you must see doctors and specialists who participate in the plan's network to receive its full benefits. A wide range of HMO and PPO plans are available from Florida Blue. Florida Blue's PPO coverage might be ideal if you already have a primary care physician that you want to keep seeing.

Cigna

Medicare recipients still have to pay for some of their medical treatment out of pocket, and those bills may add up quickly if they're making regular doctor's appointments. When you sign up for Medicare Part C with Cigna, you'll have access to a nurse helpline that's open around the clock. You may avoid spending unnecessary money on medical attention by using this perk's consultation services before an unexpected medical issue arises.

Varieties of Medicare Advantage Programs

Medicare Advantage programs might be one of two varieties:

Health Maintenance Organization plans

These plans restrict you to a specific group of medical professionals and facilities, and if you need to see a specialist, your primary care physician must approve the visit. Compared to PPO plans, HMOs tend to be less expensive because they emphasize preventative care and wellness.

For instance, weight loss may be mandated if your body mass index (BMI) is above a specific threshold. If your blood pressure is too high, medication may be recommended, and if you smoke, you should try to quit.

PPO Plans

Preferred Provider Organization (PPO) plans utilize a network of preferred providers who have agreed to charge a fee for their services. While it is possible to consult a doctor or specialist outside the recommended network, doing so will not result in any cost savings.

Although PPO plans are more expensive than HMO ones, they give you greater flexibility in selecting your healthcare providers.

Medicare Advantage plans are an alternative to Original Medicare that can save you money and provide additional benefits like a fitness plan, vision coverage, and dental care that aren't available via traditional Medicare.

Florida Medicare Advantage Enrollment Procedures

To begin looking for a Medicare Part C plan that meets your requirements, you may use the Medicare Plan Finder on the official Medicare website. In addition, you may utilize this information to evaluate other strategies.

Once you've decided on a plan, head to their website to see if they offer online enrollment. You may need to print out an enrollment form and send it in if you need help registering online. If you'd like to enroll over the phone, you can call the plan or Medicare for help.

Should You Invest In A Medicare Advantage Plan in Florida?

Parts A, B, and, in some cases, D of Medicare can be bundled into a single Medicare Advantage plan. Even if your plan's premium is $0, you may still pay for certain out-of-pocket expenses. Medicare Advantage plans they vary in coverage, copayment amounts, and other details, so homework is essential before committing to a provider.