OVER 20 YEARS OF EXPERIENCE
We Specialize in Medicare Supplement Plans
CARMEN DUFFY Insurance Broker
386-315-4846
Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies, can help pay some of the remaining health care costs for covered services and supplies, like copayments, 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. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental services, hearing aids, eyeglasses, or private-duty nursing.
FHCP Medicare FHCP Medicare FHCP Medicare FHCP Medicare
Questions Questions about about your your
Medicare Medicare options? options?
AGENT AGENT PHOTO PHOTO
I’d like to help. I’d like to help.
Turning 65 and ready for Medicare? Turning 65 and ready for Medicare?
Call your local agent today. Call your local agent today.
Your local agency for Your local Your local agency agency for for
LYNN SECK LYNN SECK
(386) 437-5028 (386) 437-5028
OR... Want to switch to FHCP or Florida Blue during Open Enrollment? OR... Want to switch to FHCP or 15 Florida (Oct. – Dec.Blue 7) during Open Enrollment? (Oct. 15 – Dec. 7) FHCP Medicare is an HMO plan with a Medicare contract. Enrollment in FHCP Medicare depends on contract renewal. HMO coverage is offered by Florida Blue Medicare, Inc., DBA Independent Licensee of the Blue CrossMedicare and Blue depends Shield Association. FHCP is HMO plan aa Medicare contract. Enrollment in on FHCP Medicare Medicare is an anFHCP HMOMedicare, plan with withan Medicare contract. Enrollment in FHCP FHCP Medicare depends on contract contract renewal. renewal. HMO HMO coverage coverage is is offered offered by by Florida Florida Blue Blue Medicare, Inc., FHCP Medicare, Inc., DBA DBA2020_M FHCP Medicare, Medicare, an an Independent Independent Licensee Licensee of of the the Blue Blue Cross Cross and and Blue Blue Shield Shield Association. Association. Y0011_FBM0016 Y0011_FBM0016 2020_M Y0011_FBM0016 2020_M
The Law Offices of Michael Newman Estate Planning, Real Property, Probate, and Elder Law Serving Central Florida
www.newmanlaworlando.com
P: 407-413-2588 | E: attynewman@outlook.com 12
HOW DOES MEDIGAP WORK?
Aging Times Magazine | January 2022
Medigap Plans are Standardized
Medigap must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” plan, identified in most states as plans A – D, F, G, and K – N. All plans offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. IMPORTANT: Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C or Plan F. People new to Medicare on or after January 1, 2020, have the right to buy Plans D and G instead of Plans C and F.
WHAT ELSE SHOULD I KNOW ABOUT MEDIGAP?
• Before you can buy Medigap, you must have Part A and Part B. • You pay the private insurance company a monthly premium for Medigap in addition to the monthly Part B premium you pay to Medicare. Also, if you buy Medigap and a separate Medicare drug plan from the same company, you may need to make two separate premium payments. • A Medigap policy only covers one person. Spouses must buy separate coverage. • You can’t have drug coverage in both Medigap and your Medicare drug plan. • It’s important to compare Medigap policies since the costs can vary between policies for exactly the same coverage, and may go up as you get older. Some states limit Medigap premium costs.
