Medicare in Florida
This article was updated on: 09/16/2018
Medicare.com can be your resource for Medicare in Florida. If you would like to compare the various types of Medicare insurance offered throughout your county, including plan details and pricing, we can help.
About Medicare in Florida
Medicare beneficiaries in Florida may choose to receive their coverage from Original Medicare, Part A and Part B, or through a Medicare-approved insurance company that offers Medicare Advantage plans. Not every Medicare plan may be available everywhere in Florida.
Types of Medicare coverage in Florida
Original Medicare, Part A and Part B, is federally funded health insurance available to all eligible Medicare beneficiaries. Part A provides inpatient hospital care while Part B covers doctor’s services and durable medical equipment.
Some beneficiaries may choose to receive their benefits through a Medicare Advantage plan, also known as Medicare Part C. These plans are required to cover everything that Original Medicare does (except for hospice care), but may include additional benefits like vision, dental, hearing, and prescription drug coverage. You must still pay your Medicare Part B premium in addition to any premium your Part C plan may charge.
Medicare Part D Prescription Drug Plans provide stand-alone prescription drug coverage to Medicare beneficiaries. This benefit works alongside Part A and/or Part B coverage.
Medicare Supplement Insurance, also known as Medigap, provides coverage for out-of-pocket costs that are not covered by Original Medicare, which includes deductibles, copayments and, in some cases, medical care when traveling outside of the United States.
Local resources for Medicare in Florida
Medicare Savings Programs in Florida: For residents whose income falls below a certain limit, there are various programs that can assist with paying for out-of-pocket Medicare costs, like your premiums or deductibles. Programs are also available to provide special help for low-income beneficiaries who need help paying for prescription medication costs.
Florida Serving Health Insurance Needs of Elders: Most states have a program called SHIP (State Health Insurance Program) that helps beneficiaries to understand their Medicare rights/protections. In Florida, this program is called SHINE (Serving Health Insurance Needs of Elders). It’s run by a network of volunteers and funded by a grant from the Centers for Medicare and Medicaid Services (CMS).
How to apply for Medicare in Florida
The Medicare enrollment process is the same no matter what state you live in. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Florida residents may be enrolled automatically a few months before they reach age 65, provided they already receive benefits through the Social Security Administration (SSA) or the Railroad Retirement Board (RRB). Others may be enrolled sooner if they receive SSA disability benefits or certain disability benefits from the RRB for more than 24 consecutive months. If you have ALS – amyotrophic lateral sclerosis, also known as Lou Gehrig’s disease – you’ll be enrolled in Medicare the same month that you start receiving disability benefits. No action is generally required in these cases, and residents will receive their red, white, and blue Medicare cards in the mail a few months prior to their start dates.
On the other hand, if you have End-Stage Renal Disease (ESRD), you qualify for Medicare, but you need to enroll manually. If you need to apply for Medicare manually, then you may visit your local SSA office or enroll online or over the phone.
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the RRB at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Just know that you may have a lot of Medicare plan options and it’s natural to be overwhelmed. Don’t be afraid to ask for help when it comes to picking the type of Medicare insurance plan that may be right for you. That’s what I’m here to do, so feel free to reach out. Learn more about me by accessing my profile below by following the link beside my photo. You can also use one of the other links down below to request a phone conversation or an email containing personalized information for you. Scroll up and use the Compare Plans button on this page to browse available Medicare plan options in your area.