You may know that Medicare is a provides lower-cost healthcare for beneficiaries. But do you know what it takes to gain Medicare eligibility in Florida? It can be confusing, but we’re here with simple answers.
But if you are ready to shop online now, you can get started comparing Medicare plans by getting your free FitScore® from HealthMarkets.
Who Qualifies for Medicare in Florida?
You may be eligible for Medicare in Florida if you’re a U.S. citizen or a permanent legal resident who has lived in the U.S. for more than five years and one or more of the following applies to you:1
- You are 65 or older.
- You’re under 65, disabled, and receive disability benefits from Social Security or the Railroad Retirement Board.
- You have end-stage renal disease (ERSD).
- You have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease.
Once you have Medicare eligibility, you can choose between the options that are available to you. 4,638,573 Floridians took advantage of Medicare services in 2020.2
Medicare Eligibility in Florida : Know Your Options
If you’re 65 and already receiving Social Security benefits, you’ll be automatically enrolled in what’s known as “Original Medicare.” It’s divided into two parts: Part A, which covers hospital stays; and Part B, which covers doctor visits and outpatient services.1
If you want coverage for your prescriptions, you must purchase a Medicare Part D drug plan separately from a private insurance company.3 You can also purchase a Medicare Supplement plan, which can help cover areas that Original Medicare doesn’t pay for (such as deductibles and copays).
Medicare Advantage plans, which are offered by private insurance companies, are an alternative options available to those eligible for Medicare. Generally, Medicare Advantage rolls Medicare Part A and Part B into one plan. Most plans also include Part D drug coverage and may also include vision, dental, and/or hearing coverage.4 In 2020, more than 2.2 million Floridians elected to enroll in a Medicare Advantage plan.2
How Do I Get Medicare in Florida?
You can get Medicare in Florida by reaching out to the Social Security office during your Initial Medicare Enrollment Period, which occurs from three months before you turn 65, includes the month you turn 65, and lasts until three months afterward. If you miss this window, you can also enroll during the General Enrollment Period from January 1 to March 31.
You can apply for Medicare Advantage or a Medicare Part D plan when you first get Medicare, or during the annual Medicare Open Enrollment Period from October 15 to December 7.5
Are you ready to start shopping for a Medicare Advantage, Medicare Supplement, or Medicare Part D Plan? Let the HealthMarkets FitScore rank they plans according to how they fit your needs. Our FitScore ForeverTM technology then will continuously compare plans for you year after year. If there’s a better plan available, we will alert you.
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1.Original Medicare (Part A and B) Eligibility and Enrollment, CMS. 2020. Retrieved from https://www.cms.gov/Medicare/Eligibility-and-Enrollment/OrigMedicarePartABEligEnrol | 2. Total Number of Medicare Beneficiaries, KFF. 2018. Retrieved from https://www.kff.org/medicare/state-indicator/total-medicare-beneficiaries | 3. What Medicare Part D drug plans cover, Medicare. 2020. Retrieved from https://www.medicare.gov/drug-coverage-part-d/what-medicare-part-d-drug-plans-cover | 4. Understanding Medicare Advantage Plans, Medicare. 2020. Retrieved from https://www.medicare.gov/Pubs/pdf/12026-Understanding-Medicare-Advantage-Plans.pdf | 5. Medicare enrollment periods: when to sign up, Medicare. 2020. Retrieved from https://www.medicare.gov/blog/medicare-enrollment-period-2020.
HealthMarkets’ FitScore Forever Promise is to use technology to help identify and continuously search plans that fit your needs. Not available for all insurance types. Plan enrollment is customer’s responsibility. You should carefully review official plan materials.