Medicare in Florida
Find affordable Medicare plans in Florida
According to 2015 statistics from the Centers for Medicare and Medicaid Services (CMS), there were 3,968,885 total Medicare beneficiaries in Florida.
Many beneficiaries in Florida, as in other states, are enrolled in Original Medicare. This is the federal health insurance program for those who qualify by age or disability. Original Medicare includes Part A, hospital insurance, and Part B, medical insurance.
Some beneficiaries in Florida get their Medicare benefits through Medicare Advantage plans. These plans are offered by private, Medicare-approved health insurance companies, and deliver the same benefits as Medicare Part A and Part B (except for hospice care, which Medicare Part A still covers).
Medicare Advantage plans often include extra benefits, such as routine vision and hearing care — and prescription drug coverage. If you enroll in a Medicare Advantage Prescription Drug plan, you can get all your Medicare benefits in one plan. With any Medicare Advantage plan, you still must pay your monthly Part B premium along with any plan premium.
If you decide to stay with Original Medicare, but you need prescription drug coverage, you can sign up for a stand-alone Medicare Part D Prescription Drug Plan. These plans are available from private, Medicare-approved insurance companies. Although this coverage is optional, if you don’t enroll in a Medicare Prescription Drug Plan when you’re first eligible for Medicare, you could pay a late-enrollment penalty if you decide to get this coverage later on.
You can also apply for a Medigap (Medicare Supplement) insurance plan to work alongside your Original Medicare coverage.
Medicare resources in Florida
Serving Health Insurance Needs of Elders (SHINE) – SHINE is a senior health needs program offered by the Florida Department of Elder Affairs. The program is free to all Florida Medicare beneficiaries and provides one-on-one answers to Medicare questions through specially trained counselors. Their mission is to empower Florida seniors and help them make informed health-care choices. SHINE offers health-related community events in Florida, as well as on-site counseling centers in each county.
Florida Department of Elder Affairs – With such a large population of senior and retired citizens in Florida, the Department of Elder Affairs is the primary state agency that administers programs aimed at benefiting this population segment. As part of its mission, the agency promotes well-being and helps Medicare beneficiaries stay in their homes and communities. The Department of Elder Affairs offers health-related programs, services, publications, and reports, as well as information about other helpful elder agencies within the state. A few examples of the programs offered by the Florida Department of Elder Affairs include:
- Community Care for the Elderly program
- Health and Wellness program
- Alzheimer’s Disease initiative
- Elder Helpline information and assistance service
Area Agency on Aging of Pasco-Pinellas, Inc. – This non-profit agency (abbreviated AAAPP) acts as an aging and disability resource center for the Pasco and Pinellas county communities. The AAAPP can offer a variety of help to Florida Medicare beneficiaries, including prescription assistance, caregiver guides, and additional resources. Their services are provided through both paid staff and volunteers.
Medicare insurance statistics in Florida
Here are some interesting 2015 statistics regarding Medicare in Florida as reported by CMS:
- More than half (1,601,277) of Medicare beneficiaries were enrolled in Medicare Advantage plans.
- Most Medicare beneficiaries (2,920,247) in Florida had Medicare prescription drug coverage.
- Monthly premiums for stand-alone Medicare Part D Prescription Drug Plans run $18.40 and up (in 2016).
Statistical data from the Centers for Medicare & Medicaid Services, “On its 50th anniversary, more than 55 million Americans covered by Medicare” as of July 28, 2015; and “2016 MA Part D Landscape State-by-State Fact Sheet” as of September 21, 2015.
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