Medicare Supplement
Insurance Broker

Call Now

How to Choose the Best Florida Medicare Advantage Plan


Every year, Medicare recipients are allowed to switch from original Medicare to a different coverage model during the Annual Election Period (AEP), which runs from October 15 through December 7th.

It’s important to know that if you currently have a Medicare Advantage or Medicare Supplement plan in effect currently, it will continue to roll over into the following year. Same applies to stand-alone drug plans.

Medicare Advantage plans aren’t right for everyone, but they can save some folks substantial money. How do you go about choosing the best Medicare Advantage plan?

Consider Your Doctors

Chances are you’ve found doctors you like, and who know you, your particular medical history and you’d like to keep them. Make sure you look at the particular network the Medicare Advantage plan you’re considering uses, and look up your doctors to make sure that they are members of that network. Keep in mind that Medical providers and doctors can drop out of a PPO or HMO Medicare Advantage plan without any timely notice to you.

Most Medicare Advantage plans use either Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO) networks. HMOs often do not pay anything for care obtained outside of their network, so make sure you carefully consider this when selecting a plan.

Look at the Deductibles, Coinsurance and Copayments

Sometimes you’ll think that a plan offers a good deal because the premium is low, but in reality it’s because that plan has a much higher deductible or high max-out-of-pocket. Deductibles, copayments, and coinsurance can add up substantially throughout the year, so consider all of them when looking at a plan.

Consider Wether Your Drugs are Covered and the Copays

Most Medicare Advantage plans incorporate coverage for prescription drugs, something original Medicare doesn’t do. So one of the steps in your process for evaluating Medicare Advantage plans is to consider the list of drugs you rely on, and check the formulary of the company that you’re considering. Also consider how the copay features for those drugs, because depending on the coverage method they use, you might still be paying a substantially large sum out of your own pocket for your medications.

Check Out the Ancillary or Added Value Benefits

Many Medicare Advantage plans offer additional coverage for things like vision and dental care, as well as membership in health club facilities. If these additional benefits are important to you, be sure to evaluate that part of the plan you’re looking at as well, while you’re making your decision.

Call Now For Your Free

Medicare Supplement Insurance Consultation


Medicare Supplement
made easy


Fill out the following form to schedule an insurance consultation
Fields marked with * are required
Captcha ImageReload image challenge
Here you will find important documents and information about supplemental insurance
Hear what our customers have to say
Neil Primack helped me navigate the Medicare maze. He is very knowledgeable and we quickly found insurance that was just what I was looking for. I would recommend Neil to friends needing help.
Jodie S. Buerk
Neil Primack certainly deserves a five star rating. He clarified the Medicare supplement choices and lessened the many concerns that I had in choosing a new policy. Neil was considerate, kind, and immediately available.
Ruth Newman
Neil was extremely helpful with the application process and suggesting appropriate plans. I would recommend him to anyone looking for Medicare supplemental insurance.
Kathy Robinson