What’s Covered Under Florida Medicare Advantage Plans?

​Medicare Advantage Plans in Florida, also known as Medicare Part C, offer comprehensive healthcare coverage by combining Original Medicare (Parts A and B) with additional benefits. These plans are provided by Medicare-approved private insurers and are tailored to meet the diverse needs of Florida residents.

Core Coverage

All Medicare Advantage Plans in Florida include:​

• Hospital Insurance (Part A): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

• Medical Insurance (Part B): Covers outpatient care, doctor visits, preventive services, and durable medical equipment.​

Most plans also incorporate:​

• Prescription Drug Coverage (Part D): Provides coverage for a wide range of prescription medications.​

Enhanced Benefits

Many Florida Medicare Advantage Plans offer additional benefits not typically covered by Original Medicare, such as:​

• Dental Services: Routine cleanings, exams, and sometimes more extensive dental procedures.

• Vision Care: Eye exams, glasses, and contact lenses.

• Hearing Services: Hearing exams and hearing aids.

• Fitness Programs: Memberships to fitness centers or programs like SilverSneakers®.

• Over-the-Counter (OTC) Allowances: Monthly stipends for health-related items like vitamins and first-aid supplies.

• Telehealth Services: 24/7 access to healthcare providers via phone or video consultations.​

Cost Considerations

While some plans have $0 monthly premiums, it's important to note:​

• Part B Premium: Beneficiaries must continue paying their Medicare Part B premium.

• Out-of-Pocket Costs: Plans may have varying deductibles, copayments, and coinsurance.

• Maximum Out-of-Pocket Limit: Each plan sets a cap on annual out-of-pocket expenses for covered services.​

Plan Availability

Florida residents have access to a variety of Medicare Advantage Plans, including:​

• Health Maintenance Organization (HMO) Plans: Require members to use a network of doctors and hospitals.

• Preferred Provider Organization (PPO) Plans: Offer more flexibility in choosing healthcare providers.

• Special Needs Plans (SNPs): Tailored for individuals with specific diseases or characteristics.​

Availability and specific benefits can vary by county, so it's advisable to compare plans based on your location and healthcare needs.​

For more detailed information and to compare plans, you can visit Medicare.gov or consult with a licensed Medicare advisor.

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