Orlando, Tampa, Winter Park Medicare Supplements Insurance

The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing the correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.

Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health-care costs. Added to the expense not covered by Medicare, there are deductibles, co-payments, and coinsurance to pay. This is why many choose Medicare Supplements and at Benson Insurance Inc., we can assist you in your Florida insurance coverages.

Medicare Supplements Options in Orlando, Tampa, Winter Park

Both Medicare Part A and Part B are federal programs for those who are 65 and older or younger then 65 with certian disabilities. They were designed to help retirees with their Florida health insurance. If you choose to add Medicare Part B, it is wise to add your supplements within the first 6 months. During this time the Medigap program must accept you and any preexisting conditions, known as "guaranteed issue rights". In most cases, as long as you continue paying the premiums you cannot be cancelled. After the 6 months, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer.

Florida Medicare Supplemental Health Insurance has a wide variety of plans and is organized alphabetically with each plan designated with a single letter. Plans are designed to help with the cost of deductibles, co-payments, and coinsurance. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists, without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States.

Part D plans cover your Prescription Medications,    Part D coverage is mandatory or you will incur a penalty for not enrolling when eligible. 

Rates for Medicare Supplements can vary greatly between different carriers and are usually based on age, location, gender and if you are a smoker or not.  You don't have to sort through this alone, our agents at Benson Insurance Inc. are committed to searching for the best rates and coverage which are affordable and meet all your needs.