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Medicare Supplement vs Medicare Advantage plans in Jacksonville Florida
Which should you choose?


If you live in the Jacksonville Florida region and you have your original Medicare coverage secured, you will have a choice of options for improving your coverage.  You may combine your Original Medicare plan with a Medicare Supplement plan, or you can sign up for a Medicare Advantage plan. Two out of three people in Jacksonville, choose the Medicare Supplement option, one third choose the Medicare Advantage option.  The Medicare Advantage option is growing in popularity.  So, which option is right for you? A brief explanation of the workings of both options may help.

Facts About Jacksonville, Florida
Jacksonville is centered on the banks of the St. Johns River on the Coastal region of northeast Florida, about 25 miles (40 km) south of the Georgia state line and 328 miles (528 km) north of Miami.  Jacksonville is the most populous city in Florida, the most populous city in the southeastern United States and the largest city by area in the contiguous United States.  It is the seat of Duval County, with which the city government consolidated in 1968.  Consolidation gave Jacksonville its great size and placed most of its metropolitan population within the city limits.  Jacksonville's population is estimated to be around 900,000.  The Jacksonville metropolitan area has a population of 1,523,615 and is the fourth largest in Florida.
Good to know:  Want to really know the particulars concerning a health care plan?  Request the "evidence of coverage" document associated with the plan.  The evidence of coverage document is what you need if you want to understand in perfect detail, exactly what a health care plan covers.  You will find a thorough explanation of benefits, exceptions, and exclusions.  The evidence of coverage document provides details that may not be listed in that glossy plan brochure, or any online verbiage detailing plan benefits.  In most circumstances, this document is legally required to be associated with most any health plan policy.  It is available to consumers.  You need only to ask. How A Medicare Supplement Plan Works
A Medicare Supplement plan is designed to fill in the "gaps" in your Original Medicare coverage. Medicare supplement plans don't work like most health insurance plans.  They don't actually cover any health benefits.  Instead, if you incur a medical bill, these plans cover the portion of the bill that Medicare does not cover.  These costs can include:
  • Your Medicare deductibles.
  • Your coinsurance.
  • Hospital costs if your stay runs beyond the Medicare covered hospital days limitations.
  • Skilled nursing facility costs if your stay runs beyond the Medicare covered skilled nursing facility limitations.

    • Here's how Medicare supplement plans in Jacksonville, FL work: You pay a monthly premium for your Medicare supplement plan.  In return, the plan pays most of your out-of-pocket expenses.  How much the plan pays, depends upon the plan type you select.  For example, if you go to see a physician, Medicare will only pay 80% of the bill.  You are responsible for paying the remaining 20%.  However, you are covered by a Medicare supplement plan, the supplement plan would pay the 20%.  You would owe nothing.

      There are 10 standardized plans available – labeled A, B, C, D, F, G, K, L, M and N – that cover anywhere from four to nine of these benefits:

      • Medicare Part A coinsurance for hospital costs (up to an additional 365 days after Medicare benefits are used).
      • Medicare Part B coinsurance, copayment.
      • First three pints of blood for a medical procedure.
      • Part A hospice care coinsurance or copayment.
      • Skilled nursing facility care coinsurance.
      • Part A deductible.
      • Part B deductible.
      • Part B excess charges.
      • Foreign travel emergencies.


      Keep in mind, all 10 Medicare supplement plans cover the coinsurance and 100 percent of hospital costs for Medicare Part A, but after that, plans differ in what they cover. With Original Medicare, you are free to see any doctor who accepts Medicare patients, with no referrals required.


      Memorial Hospital Jacksonville, FL health insurance
      Memorial Hospital
      3625 University Blvd S
      Jacksonville, FL 32216
      Telephone: (904) 702-6111
      Plus Code: 79QX+2F Southside, Jacksonville, FL
      Map


      How Medicare Advantage plans work in Florida

      Medicare Advantage plans (also known as Medicare Part C) combine doctor, hospital and often drug coverage into one plan.  Some may cover routine dental, vision and hearing needs, and may offer other services. Most Advantage plans offer prescription drug coverage.

      Medicare Advantage plans are offered by private health insurance companies.  These insurance companies provide consumers with Advantage plan coverage. In turn, rather than Medicare paying a physician or hospital for services provided, Medicare pays an ongoing, predetermined amount to the insurance company for providing the Advantage plan coverage.

      Medicare Advantage plans usually have copays and deductibles, but many limit the total amount you will have to pay for medical expenses out of pocket each year. Medicare Advantage plans work like the managed care plans you may have had during your working years.  You will have to receive your care from doctors, hospitals, and other providers within the plan's network. Plans can be health maintenance organization (HMO), or preferred provider organization (PPO).  If you have an HMO, you can only visit doctors and hospitals in those networks.  PPO plans have out-of-network benefits as well.  Visits to a specialist often require referrals, and some types of care may require advance approval.  There are several distinct physician / hospital networks in the Jacksonville Florida region.  If you have a doctor or facility preference, be sure to confirm their participation in the plan's associated network - before you purchase the plan.

      Whichever option you choose, it is an important choice.  Be sure to speak directly with a Medicare insurance professional before you make your decision.

      Good to know:  Many plans don't provide drug benefits, or discounts, even on generics, until you reach your deductible, which is often in the thousands of dollars.  Instead of just accepting your insurance plan's lousy prescription drug benefit, try using websites such as Blinkhealth.com or Goodrx.com to shop around for the best price for your medication in your area.



      Other articles:  Is Short-Term Health Insurance Right For You?
      Explaining The Growth Of Healthcare Sharing Plans.
      Finding Short-Term Health Insurance.
      Finding Health Insurance in Miami, Florida - 3 Important Steps
      The First 3 Steps in Acquiring Medicare Supplement Insurance Coverage in Florida
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