Elliot Glass Coral Springs Insurance

What are the requirements for Medicare in Florida?

2023-01-06

WHO IS IT FOR?

Typically senior products are designed to benefit those people who are 65 and older. Many of these people are at or near retirement age and their needs for health insurance and life insurance change drastically. Most experts recommend using the services of a licensed insurance agent when seniors are faced with these new challenges.

WHAT IS IT?

Typically, senior products are medicare supplement or MA plans that help seniors pay for those expenses not covered under Medicare and final expense life insurance plans that help cover burial costs.

CLICK HERE FOR YOUR PERSONALIZED MEDICARE QUOTE!

CLICK HERE FOR INFO

WHY SHOULD I BUY IT?

Many seniors are on a fixed income after retirement and they need extra help in covering out-of-pocket expenses associated with uncovered medical bills. They also want the peace of mind that their children will not be burdened with bearing the costs of their burial at the time of their death.

ARE YOU TURNING 65 SOON? IF SO, YOU WILL BE ELIGIBLE TO ENROLL IN MEDICARE.

Plan ahead and review your options with Elliot Glass. Call 954-637-3750 to make sure you're covered with the right Medicare Advantage or supplemental plan at the right price.

ARE YOU OVER 65 AND WANT TO CHANGE YOUR MEDICARE OPTIONS?

From October 15 to December 7, you have the opportunity to make changes to your Medicare Advantage or Medicare prescription drug coverage.

HOW DO MEDICARE ADVANTAGE PLANS WORK?

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

VIEW THE MEDICARE BASICS GUIDE WATCH THIS VIDEO

STILL HAVE QUESTIONS?

Medicare

For specific information about Medicare, including eligibility and coverage, visit http://www.medicare.gov or call 800-Medicare (800-633-4227). TTY users call 877-486-2048.

General Medicare information:
- Part A is hospitalization coverage free to most eligible Medicare beneficiaries.
- Part B is medical coverage that requires a monthly premium (taken from your Social Security check or paid by personal check).
- Part C (Medicare Advantage Plan) is a type of Medicare health plan that contracts with Medicare to provide you with all your Part A and Part B benefits and often includes prescription drug coverage. You must be enrolled in Medicare Part B and you may also be required to send a monthly premium to the insurance company.
- Part D is prescription drug coverage that may require a monthly premium (taken from your Social Security check or paid by personal check).
- Medicare Supplement (Medigap) Plans sold by private companies can help pay some of the health care costs Medicare doesn't cover, like co-payments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Medicare doesn't cover.
- You may purchase Part B, Part C, Part D or Medigap plans on the private market. If you choose to do so, you should cancel your state group health insurance plan. Remember, once you cancel, you cannot enroll at a later time.

You are eligible for Medicare (either at retirement or after retiring) and keeping a State Group Insurance health plan:
- Coordinating medical coverage:When Medicare Part A or Part B pays, your State Group Insurance health plan pays secondary. When Medicare does not pay, your state group health insurance pays primary for covered benefits and services (just like when you were an employee). Florida Blue administers the nationwide PPO secondary plan; Aetna, AvMed, and UnitedHealthcare administer the HMO secondary plans in their respective service areas.
  - If you fail to enroll in Medicare Part B: You will have significant out?of?pocket expenses for Part B eligible services because you will be required to pay the portion (approximately 80 percent) that Medicare would have paid. If you choose to continue your state group health insurance coverage once you’re eligible for Medicare, elect your Medicare Part B coverage. Although Medicare does not require you to purchase Part B, it is in your financial interest to do so. This coverage provision also applies to Medicare-eligible dependents on your plan.
- Creditable Coverage for Medicare Part D: For prescription drug coverage, your state group health insurance pays primary for most prescription drugs. Covered medications, copays and the network remain the same as when you were an employee. If you are enrolled in the state group secondary health insurance, do not enroll in a separate Medicare Part D plan. The state’s prescription drug coverage is as good as or better than Medicare Part D and is currently approved by Medicare as creditable coverage.
- Medicare (Retiree) Advantage Plan: Capital Health Plan offers this plan to state retirees in their respective HMO service areas. To become a member, you must be enrolled in Medicare Parts A and B, complete the HMO’s application and receive approval before your retiree health coverage becomes effective. Medicare Advantage Plans do not allow retroactive enrollment and claims can only be paid if you are approved for the plan. Medical and prescription drug coverage are included.
- Medicare Advantage and Prescription Drug (MA-PD) Plans: Capital Health Plan and Humana offer an MA-PD HMO plan and UnitedHealthcare offers an MA-PD PPO to state retirees and their dependents. To become a member (you and your dependents) must be enrolled in Medicare Parts A and B and you must send a copy of your Medicare card to the People First Service Center. If your Medicare enrollment cannot be verified before the effective date of your MA-PD plan, you will be moved into the State Group Insurance PPO health plan with Florida Blue. Medicare Advantage Plans do not allow retroactive enrollment and claims can only be paid if you are approved for the plan. Medical and prescription drug coverage are included. For more information visit the Medicare Advantage and Prescription Drug page.
- Enrolling in Medicare: Once you are eligible for Medicare Part A and Part B due to age (65) or disability and no longer working, you should contact the Social Security Administration (SSA) about your Medicare benefits. Enrollment in Medicare is time sensitive and you may be subject to substantial financial penalties if you fail to meet federal deadlines. Contact your local SSA office three months before your 65th birthday: call 800?MEDICARE (800?633?4227), or visit www.Medicare.gov for more information. TTY users call 877-486?2048.
- Enrolling in state group Medicare secondary coverage or a Medicare advantage plan: the state offers three Medicare coverage tiers when you or a dependent is Medicare eligible:
  - Medicare I: a single policy for you
  - Medicare II: a family policy for you and your eligible dependents and at least one is eligible for Medicare. (If enrolling in an MA-PD plan all members covered under your family policy must be enrolled in Medicare.)
  - Medicare III: a family policy for you and one dependent and you are both Medicare eligible

Medicare Insurance

2022-12-30

OUR MEDICARE

Typically, senior products are designed to benefit those people who are 65 and older. Many of these people are at or near retirement age and their needs for health insurance and life insurance change drastically. Most experts recommend using the services of a licensed insurance agent when seniors are faced with these new challenges.

WHO IS IT FOR?

WHAT IS IT?

Typically, senior products are Medicare Supplement or MA plans that help seniors pay for those expenses not covered under Medicare and final expense life insurance plans that help cover burial costs.

CLICK HERE FOR YOUR PERSONALIZED MEDICARE QUOTE!

CLICK HERE FOR INFO

WHY SHOULD I BUY IT?

Many seniors are on a fixed income after retirement, and they need extra help in covering out-of-pocket expenses associated with uncovered medical bills. They also want the peace of mind that their children will not be burdened with bearing the costs of their burial at the time of their death.

ARE YOU TURNING 65 SOON? IF SO, YOU WILL BE ELIGIBLE TO ENROLL IN MEDICARE.

Plan ahead and review your options with Elliot Glass. Call 954-637-3750 to make sure you're covered with the right Medicare Advantage or supplemental plan at the right price.

ARE YOU OVER 65 AND WANT TO CHANGE YOUR MEDICARE OPTIONS?

From October 15 to December 7, you have the opportunity to make changes to your Medicare Advantage or Medicare prescription drug coverage.

HOW DO MEDICARE ADVANTAGE PLANS WORK?

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

VIEW THE MEDICARE BASICS GUIDE WATCH THIS VIDEO

STILL HAVE QUESTIONS?

Medicare

2022-12-20

Medicare is our country's health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare too, including those with disabilities and those who have permanent kidney failure.

The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care. You have choices for how you get Medicare coverage. If you choose to have Original Medicare (Part A and Part B) coverage, you can buy a Medicare Supplement Insurance (Medigap) policy from a private insurance company.

The Centers for Medicare & Medicaid Services is providing equitable relief to people who could not submit premium-Part A or Part B enrollment or disenrollment requests timely due to challenges with contacting us by phone. This relief applies to the 2022 General Enrollment Period, Initial Enrollment Period, and Special Enrollment Period.

If you were unable to enroll or disenroll in Medicare because you could not reach us by phone after January 1, 2022, you will be granted additional time through December 30, 2022.

For more information, call 1-800-772-1213 or use our Office Locator to find the number for a local office.

The Parts of Medicare

Social Security enrolls you in Original Medicare (Part A and Part B).

Medicare Part A (hospital insurance) helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a hospital stay). Part A also pays for some home health care and hospice care.
Medicare Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

Other parts of Medicare are run by private insurance companies that follow rules set by Medicare.

Supplemental (Medigap) policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
Medicare Advantage Plan (previously known as Part C) includes all benefits and services covered under Part A and Part B — prescription drugs and additional benefits such as vision, hearing, and dental — bundled together in one plan.
Medicare Part D (Medicare prescription drug coverage) helps cover the cost of prescription drugs.

Most people age 65 or older are eligible for free Medicare hospital insurance (Part A) if they have worked and paid Medicare taxes long enough. You can sign up for Medicare medical insurance (Part B) by paying a monthly premium. Some beneficiaries with higher incomes will pay a higher monthly Part B premium. To learn more, read Medicare Premiums: Rules For Higher-Income Beneficiaries.

Should I Sign Up For Medical Insurance (Part B)?

With our online application, you can sign up for Medicare Part A and Part B. Because you must pay a premium for Part B coverage, you can turn it down.

If you’re eligible at age 65, your Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday.

Note: Important Upcoming Change – Rules for 2023 and later: If you accept the automatic enrollment in Medicare Part B or if you sign up during the first three months of your IEP, your coverage will start the month you’re first eligible. Beginning January 1, 2023, if you sign up during the month you turn 65 or during the last three months of your IEP, your coverage starts the first day of the month after you sign up.

The following chart shows when your Medicare Part B becomes effective in 2022:

In 2022, if you sign up during this month of your IEP	Your Part B Medicare coverage starts
One to three months before you reach age 65	The month you turn age 65.
The month you reach age 65	One month after the month you turn age 65.
One month after you reach age 65	Two months after the month of enrollment.
Two or three months after you reach age 65	Three months after the month of enrollment.

The following chart shows when your Medicare Part B becomes effective in 2023:

Beginning in 2023, if you enroll in this month of your IEP	Your Part B Medicare coverage starts
One to three months before you reach age 65	The month you turn age 65.
The month you reach age 65, or one to three months after you reach age 65	The first day of the month after you sign up.

If you choose not to sign up for Medicare Part B but then decide to do so later, your coverage could be delayed. You may have to pay a higher monthly premium for as long as you have Part B. Your monthly premium will go up 10% for each 12-month period you were eligible for Part B, but didn’t sign up for it. This does not apply if you qualify for a "Special Enrollment Period" (SEP).

If you don’t sign up for Medicare Part B during your IEP, you have another chance each year to sign up during the “General Enrollment Period” (GEP) from January 1 through March 31. Your coverage starts the first day of the month after you sign up. Read our publication Medicare for more information.

You may have a Health Savings Account (HSA) or health insurance based on current employment. If so, you may want to ask your personnel office or insurance company how signing up for Medicare will affect you.

Special Enrollment Period (SEP)

You may have medical insurance coverage under a group health plan based on your or your spouse's current employment. In this case you may not need to apply for Medicare Part B at age 65. You may qualify for a "SEP” that will let you sign up for Part B during:

Any month you remain covered under the group health plan and you or your spouse's employment continues.
The eight-month period that begins with the month after your group health plan coverage or the employment it is based on ends, whichever comes first.

WHO IS IT FOR?

WHAT IS IT?

Typically, senior products are medicare supplement or MA plans that help seniors pay for those expenses not covered under Medicare and final expense life insurance plans that help cover burial costs.

CLICK HERE FOR YOUR PERSONALIZED MEDICARE QUOTE!

CLICK HERE FOR INFO

WHY SHOULD I BUY IT?

ARE YOU TURNING 65 SOON? IF SO, YOU WILL BE ELIGIBLE TO ENROLL IN MEDICARE.

Plan ahead and review your options with Elliot Glass. Call 954-637-3750 to make sure you're covered with the right Medicare Advantage or supplemental plan at the right price.

ARE YOU OVER 65 AND WANT TO CHANGE YOUR MEDICARE OPTIONS?

From October 15 to December 7, you have the opportunity to make changes to your Medicare Advantage or Medicare prescription drug coverage.

HOW DO MEDICARE ADVANTAGE PLANS WORK?

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

VIEW THE MEDICARE BASICS GUIDE WATCH THIS VIDEO

STILL HAVE QUESTIONS?

Medicare Information from Elliot Glass Coral Springs Insurance

2022-12-13

MEDICARE 2022 INFORMATION

Medicare

Medicare-2022_Medicare-and-You

MEDICARE 2023 INFORMATION

2023 Medicare Parts A & B Premiums

2023 Florita Medicare Basics Guide

THE INFLATION REDUCTION ACT LOWERS HEALTH CARE COSTS FOR MILLIONS OF AMERICANS

Through the Inflation Reduction Act, President Biden is delivering on his promise to lower prescription drug costs, make health insurance more affordable, and make the economy work for working families. This law means millions of Americans across all 50 states, the United States territories, and the District of Columbia will save money from meaningful benefits.

Open Enrollment Ends on December 7th 2002 Pick your 2023 plan by December 7

2022-11-30

Don't miss out! Open Enrollment ends December 7. Compare plans while you can. Compare Medicare plans now during Open Enrollment. Open Enrollment ends December 7. Open enrollment ends Dec. 7 for Medicare Part D, Advantage plans Midland Daily News Nov. 5, 2022 Comments Open enrollment for Medicare Part D and Medicare Advantage is October 15 through December 7 with coverage beginning January 1. The open enrollment period is an opportunity to shop around for a plan that will best meet one's needs next year.

When does Medicare open enrollment end?

When Does Medicare Open Enrollment End? The open enrollment period for Medicare is from Oct. 15–Dec. 7 each year. Coverage starts for the new enrollees on January 1, 2021. Individuals who are already enrolled in a Medicare plan should get an ANOC (annual notice of changes).

How long is open enrollment?

Open enrollment is not required to be a certain length of time. Most employers have an open enrollment period of at least two to four weeks. Need help defining health benefit terms to employees? Check out and share the health benefit terms glossary here on SHRM.org.

Open enrollment in the individual market (on and off-exchange) runs from November 1 to December 15 in most states. This is the schedule followed by HealthCare.gov, which is the exchange platform that's used in 38 states as of 2020 (dropping to 36 for 2021, as Pennsylvania and New Jersey will be running their own exchange platforms).

WHO IS IT FOR?

WHAT IS IT?

Typically, senior products are medicare supplement or MA plans that help seniors pay for those expenses not covered under Medicare and final expense life insurance plans that help cover burial costs.

CLICK HERE FOR YOUR PERSONALIZED MEDICARE QUOTE!

CLICK HERE FOR INFO

WHY SHOULD I BUY IT?

ARE YOU TURNING 65 SOON? IF SO, YOU WILL BE ELIGIBLE TO ENROLL IN MEDICARE.

Plan ahead and review your options with Elliot Glass. Call 954-637-3750 to make sure you're covered with the right Medicare Advantage or supplemental plan at the right price.

ARE YOU OVER 65 AND WANT TO CHANGE YOUR MEDICARE OPTIONS?

From October 15 to December 7, you have the opportunity to make changes to your Medicare Advantage or Medicare prescription drug coverage.

HOW DO MEDICARE ADVANTAGE PLANS WORK?

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

VIEW THE MEDICARE BASICS GUIDE WATCH THIS VIDEO

STILL HAVE QUESTIONS?

Medicare

2022-11-25

WHO IS IT FOR?

WHAT IS IT?

Typically, senior products are medicare supplement or MA plans that help seniors pay for those expenses not covered under Medicare and final expense life insurance plans that help cover burial costs.

CLICK HERE FOR YOUR PERSONALIZED MEDICARE QUOTE!

CLICK HERE FOR INFO

WHY SHOULD I BUY IT?

ARE YOU TURNING 65 SOON? IF SO, YOU WILL BE ELIGIBLE TO ENROLL IN MEDICARE.

Plan ahead and review your options with Elliot Glass. Call 954-637-3750 to make sure you're covered with the right Medicare Advantage or supplemental plan at the right price.

ARE YOU OVER 65 AND WANT TO CHANGE YOUR MEDICARE OPTIONS?

From October 15 to December 7, you have the opportunity to make changes to your Medicare Advantage or Medicare prescription drug coverage.

HOW DO MEDICARE ADVANTAGE PLANS WORK?

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

VIEW THE MEDICARE BASICS GUIDE WATCH THIS VIDEO