FAQs about Medicare
Can I keep my doctor with my Medicare plan?
In most cases, yes. We will do everything we can to find you a plan that your doctor will accept.
Aren't all Medicare plans the same?
No. One Medicare Advantage plan compared to the next can be drastically different.
However, Medicare Supplement Plans with the same letter (even if they are different companies) will be the same. Usually, cost is the only difference.
My friend (or brother, sister..) says just to buy Medigap Plan G. Why do I need to talk to you?
What is right for you friend, may not be the right plan for you. We often even find that husband and wives do not sign up for the same plan, due to different needs. Also, signing up for a Medicare Supplement Plan G, is only half the work. Since Medicare Supplements do not cover Prescription Drugs, you will need to find the right drug plan too. There is over 30 different Prescription Drug Plans in Florida, and the wrong one could cost you thousands.
What is a Medicare supplement plan?
Please see our Medicare Supplement page here, along with the video on the page.
Isn't Medigap Plan F gone?
Yes, and no. In 2015, bipartisan legislation named MACRA (Medicare Access and CHIP Reauthorization Act) was passed, and signed into law. This bill, among other thing, removed Medicare Supplement Plan F as an option for people aging into Medicare starting in 2020 and beyond. However, if Medicare started for you in 2019, or earlier, you will always have Plan F as an option.
For those starting Medicare in 2020 and beyond, Plan G is an option for little out-of-pocket expense.
What if it turns out I don't like the plan I pick. Will I ever be able to change?
Yes, you will never be held captive to one plan. Ever year in the fall, is AEP (Annual Election Period), this is when you can change from one plan to another. As a service to our clients, we go over the changes to their plans, and make sure it will be the right plan for them in the coming year. And if its not, we shop for a new one again.
What about Prescription Drugs? They're Covered, right?
Yes, and No.
If you buy a Medicare Supplement Policy, you will need to also buy a Prescription Drug Plan (Also known as a "Part D Plan"). Medicare Supplement plans (Not even Plan F, or Plan G) do not cover Prescriptions. The extra plans usually cost somewhere between $20-$50 a month. And then you will also have co-pays when you pick up your drugs at the pharmacy. There are a lot of variables when considering this. We ask you to give a few minutes of your time to discuss what coverage would be most appropriate for you.
With a Medicare Advantage plan however, the drug coverage is usually built right into the plan. These all-in-one plan will have all the coverage you need. It important when looking at these plans to not only consider whether or not your doctor accepts it, but also whether your Prescription drugs are covered by the plan.
Do I Have to pay you for your time/services?
No. We get paid by the insurance company if you enroll in a plan through us. Much like a travel agent, it will not cost anymore if you buy through us. In fact, we can often save you money.
We Can Help
We Independently shop the market, so you don't have to!
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FREE Transparency of Quotes from every major company
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NEVER wonder again, if you paid too much or picked the right plan!
___________________________________
We work for you, not the insurance companies
___________________________________
___________________________________
We got your back! Annual reviews done every year, so you know you always have the best plan
___________________________________
It all starts with an email or phone call
How much does Medicare Cost?
For most people the Medicare Part B Premium is $174.70/mo in 2024. However, if you fall into higher tax brackets, it can be higher. (Income is based on your IRS tax returns from 2 years prior.) If your income is:
Individuals: Greater than $103,000 and less than or equal to $129,000: $244.60
Couples Filing Jointly: Greater than $206,000 and less than or equal to $258,000: $244.60
Individuals: Greater than $129,000 and less than or equal to $161,000: $349.40
Couples Filing Jointly: Greater than $258,000 and less than or equal to $322,000: $349.40
Individuals: Greater than $161,000 and less than or equal to $193,000: $454.20
Couples Filing Jointly: Greater than $322,000 and less than or equal to $386,000: $454.20
Individuals: Greater than $193,000 and less than $500,000: $559.00
Couples Filing Jointly: Greater than $386,000 and less than $750,000: $559.00
Individuals: Greater than or equal to $500,000: $594.00
Couples Filing Jointly: Greater than or equal to $750,000: $594.00
The same concept applies to Part D of Medicare as well. You will have your base premium decided by the plan you choose to enroll in, but may have a higher premium if your income is:
Individuals: Greater than $103,000 and less than or equal to $129,000: $12.20 + Your Plan Premium
Couples Filing Jointly: Greater than $206,000 and less than or equal to $258,000: $12.20 + Your Plan Premium
Individuals: Greater than $129,000 and less than or equal to $161,000: $33.30 + Your Plan Premium
Couples Filing Jointly: Greater than $258,000 and less than or equal to $322,000: $33.30 + Your Plan Premium
Individuals: Greater than $161,000 and less than or equal to $193,000: $53.80 + Your Plan Premium
Couples Filing Jointly: Greater than $322,000 and less than or equal to $386,000: $53.80 + Your Plan Premium
Individuals: Greater than $193,000 and less than $500,000: $74.20 + Your Plan Premium
Couples Filing Jointly: Greater than $386,000 and less than $750,000: $74.20 + Your Plan Premium
Individuals: Greater than or equal to $500,000: $81.00 + Your Plan Premium
Couples Filing Jointly: Greater than or equal to $750,000: $81.00 + Your Plan Premium
Does Medicare Cover Cover dental and vision?
Original Medicare, even with a Medicare Supplement does not cover dental and vision. Many people buy a stand alone dental or vision policy for this coverage.
However, Florida Medicare Advantage plans in most cases do cover dental and vision.
Is Medicare Mandatory?
No, Medicare is not mandatory. However, if you choose to enroll in Medicare Part B, or Part D, anytime after your initial enrollment period, without proof of creditable prior coverage, then you will face penalties.
We Can Help
We Independently shop the market, so you don't have to!
___________________________________
FREE Transparency of Quotes from every major company
___________________________________
NEVER wonder again, if you paid too much or picked the right plan!
___________________________________
We work for you, not the insurance companies
___________________________________
___________________________________
We got your back! Annual reviews done every year, so you know you always have the best plan
___________________________________
It all starts with an email or phone call
Is a Florida Medicare agent, and a Florida Medicare Broker the same thing?
Although used interchangeably, technically an "agent" and a "broker" or not the same.
A Florida Medicare Broker represents multiple insurance companies. Brokers represent you, and can help you shop policies from several different carriers.
A Florida Medicare Agent sells policies from just one company. Although, its possible that one company may be your best choice, it most often, is not.
We are brokers. Your Florida Medicare Broker.
Is a Florida Medigap and Florida Medicare Supplement the same thing?
Yes, please see our Medicare Supplement portion of our website for more information.
How do I find a local Medicare Agent?
To find a local Medicare agent or broker, you can start in many different ways.
- Ask friends and family who they used
- Look online for a reputable local agent or broker
- Interview several agents and brokers in your community
- Choose us! Florida Medicare Broker, we are local, we specialize in Medicare, and we are not biased.
Remember. Medicare is National, but the plans are Local.
You may want to consider some questions to ask your Medicare Broker when you meet with them.
D&D Insurance LLC, DBA: Florida Medicare Broker
No obligations. No pressure. No Games. We just want the opportunity to earn your business.
Give us 5 minutes of your time. Call 352-217-1000 Don't like phones? Email us here. We will not spam. But we do ask for your email address so we can help you.
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