Medicare Part C - "Medicare Advantage" (HMO, PSO, PPO, POS plans)

Florida Medicare Advantage plans are private insurance that is outside of traditional Medicare coverage. When you sign up for Secure Horizons, WellCare, Aetna Medicare, or any of the other Advantage plans you are contracting a private insurance company to provide your Medicare Part A and B benefits. These health care programs are similar to the type of Health Insurance that you probably have had your entire life. Florida Medicare Advantage plans have in network and out-of-network doctors and hospitals, traditional Medicare part A and B do NOT have any form of networks.

What are the benefits of a BlueMedicare Regional PPO plan?

  • Affordable monthly plan premium
  • Modest, predictable copayments and coinsurance
  • Freedom to choose doctors and hospitals
  • Extensive Regional PPO network
  • Preventive care services with no copayment
  • Includes prescription drug coverage with $0 generic drug deductible and $4 generic drug copayment
  • In-network travel coverage when using another Blue Cross and/or Blue Shield plan's Medicare Advantage PPO network
  • Nationwide emergency coverage for medically-necessary services regardless of network


Part C FAQ's

When Is Disenrollment for Medicare Advantage Plans?

You can join, switch or Drop a Medicare Part C plan Between January 1 and Febuary 15th each year. This is also the time to apply for Florida Medigap Insurance. There are special situations during the rest of the year when you may be able to drop or switch your plan (like if you move out of the coverage area) call 1-800-MEDICARE for more information.

What if my Medicare Part C plan leaves the Medicare Program?

The Florida Medicare Advantage plan that you subscribed to will send you a letter describing your options. Most of the time after your Advantage plan leaves you will automatically be returned to traditional Medicare Part A and B. You are also able to buy a Medigap Policy at that time.

What can I do if my Medicare Part C provider will not pay for a service that I feel is necessary?

You can file an appeal; an appeal is a type of complaint. Each Medicare Advantage plan must provide you in writing how to file an appeal. The following are reasons to file an appeal:

1. Your plan will not pay for an item or prescription drug that you got and feel they should cover it.

2. You disagree with the amount that you have to pay for a covered service.

10 Steps to understand Medicare Supplemental Insurance

Medicare Part A - Hospital Insurance is coverage for inpatient hospital care, skilled nursing, hospice and some home healthcare, it can be thought of as room and board.

Medicare Part B - Medical Insurance is coverage for the services of medical professionals and supplies such as durable medical goods.

Medicare Part C - Medicare Advantage is private insurance that you can obtain by dropping traditional Medicare. It is also called Medicare Advantage..

Medicare Part D - Prescription Drug Coverage is insurance coverage that is added to traditional Medicare. It is usually purchased in addition to a Medicare Supplement.
Deciding between Medicare Supplement or Medicare Advantage? Choosing between Medicare Supplement and Medicare Advantage is an important decision we have provided a side by side comparison.

Gaps in Medicare Coverage Medicare part A and B recipients still have out-of-pocket charges in the form of deductibles, copayments, coinsurance, and benefit periods. We have outlined the current out of pocket charges.

Compare the different Medicare Supplement Plans Medicare Supplement plans A, N, and F are the most popular. Depending on your specific needs you may find one of the other plans more beneficial for you.
Medicare Supplemental Plan F is by far the most popular Medigap policy, it is also the most comprehensive covering more than any other plan.

Medicare Part B - Excess Charges are charges above the Medicare approved amount for a procedure, most doctors accept Medicare assignment but some specialists charge 115% of the Medicare approved amount.

Get Quotes for Medicare Supplements in your area click on the previouse link to get quotes for Medicare Insurance products in your area.


**The information on this website is intended for informational purposes only and may change at any time.   Medicare Supplement Advisor and V. Reed Speas himself are not connected with or endorsed by the U.S. government or the federal Medicare program.

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