Medicare Plans for Tampa, Florida
We comparison shop the top insurance carriers, plans and pricing. Get the best coverage at the lowest prices!
We make Medicare easy! Contact us now to speak with an agent.
What to expect when you talk with an agent?
- Answer a few questions on your specific needs.
- Discuss the carriers and plans that match your needs
- Set up an in person appointment or you can do it all by phone.
- Review your options and sign up with the insurance company and plan of your choice
Looking for the Best Medicare Plans in Tampa Florida?
Compare plans from top carriers:
Overwhelmed by the Medicare Choices?
We can provide you with personalize guidance. Navigating the complexities of Medicare can be confusing. We can help comparison shop plans and help you every step of the way through enrollment and beyond.
Expert Guidance
As an independent insurance agent we specialize in navigating the complexities of the various plans and options.
Enrollment Assistance
Medicare enrollment can be complex and overwhelming. We can assist with every step of the process, making it easy for you.
Cost Savings
We can help clients find Medicare plans at competitive prices and uncover potential savings clients may miss on their own.
Ongoing Support
We provide ongoing support and assistance with any questions or concerns that arise regarding your Medicare coverage.
Understanding Medicare Coverage
Step 1: Enroll in Original Medicare When You Become Eligible
Original Medicare Includes:
Medicare Part A
Hospital Insurance
Medicare Part B
Medical Insurance
What You Need to Know:
- You will pay a monthly or quarterly premium.
- Freedom to see any doctor who accepts Medicare and those visits covered by Medicare.
- Coverage for inpatient hospital stays and costs associated with hospital care. For example, skilled nursing care facility, home nursing care, hospice care etc.
- Some durable medical equipment such as wheel chairs, hospital beds, power scooters and more.
Important Tip!
Original Medicare typically only covers about 80% of approved costs for Medicare-covered services and supplies. The remaining 20% is usually the responsibility of the the beneficiary!
Step 2: Choose Medigap Coverage
Now You Need to Select Medicare Coverage that Helps You Cover that 20%
Congratulations on understanding Medicare Parts A and B!
Now, it’s time to make another important decision. You have the option to get additional coverage that is offered by private insurance companies, often called Medicare Advantage (Part C) or a Medicare Supplement Insurance (Medigap) plan. These options can help cover costs not included in Original Medicare, like; copayments, coinsurance, and deductibles.
This is where working with an insurance broker like MRS Insurance is the best choice when it comes to purchasing your insurance plans. We can comparison shop carriers, provide personalized advice, expert guidance, and assistance in navigating complex insurance products to help save you the most money.
Additional Coverage Options
Option # 1 - Medicare Supplement Plus Prescription Drug Plan
Medicare Supplement Plan
Medicare Part A
Hospital Insurance
Medicare Part B
Medical Insurance
Medicare Supplement Plan
Also known as Medigap (A- N)
What You Need to Know:
- Any doctor that accepts Medicare, no network restrictions.
- Pay a premium and deductible.
- Multiple plans to choose from, each offers a different level of coverage.
- Some routine services not covered, such as dental, vision or hearing.
- May require medical underwriting if not enrolled during the initial enrollment period.
- You can add Medicare Part D Prescription Drug Coverage (to prevent being penalized).
Medicare Part D
Medicare Part D
Prescription Drug Coverage
What You Need to Know:
- Helps pay for prescription drugs
- You pay a premium, deductible and copay for your prescriptions.
- We shop the plan according to your current prescriptions.
- If you don't have Part D, you can be penalized.
Option # 2 - Medicare Advantage (Medicare Part C)
Medicare Advantage Plans
Medicare Part C
Requires Medicare Part A and Part B
Note: At MRS-Insurance we look at plans that include your prescriptions (Medicare Part D).
What You Need to Know:
- Part C = A + B (Original Medicare) + D (Prescription Drug Plans)
- Medicare Advantage, also known as Part C, combines hospital (Part A) and medical (Part B) coverage.
- Generally requires the use of in-network doctors and providers for most services, may require referrals.
- Plans typically offer a max out-of-pocket expenses compared to Original Medicare.
- Additional benefits can include dental, vision, hearing, OTC, silver sneakers and even health and fitness benefits.
Choosing the Wrong Plan Initially Can Cost You!
It’s crucial to sign up for the right Medicare coverage plan initially because the choices you make when first enrolling can have significant implications for your healthcare coverage and costs in the future. Here’s Why:
- Locking in Benefits: When you initially enroll in Medicare Supplement Insurance (Medigap) plan, you may have access to certain benefits or pricing structures that could change if you switch plans later.
- Coverage Gaps: Delaying enrollment in Medicare coverage can leave you vulnerable to coverage gaps, where you may not have adequate protection against high medical costs.
- Financial Considerations: The cost of Medicare Advantage plans, Medicare Supplement Insurance plans, and prescription drug plans can vary significantly.
It’s important to choose the right plan when you initially enroll, there can be potential problems with switching plans later.
Most Popular Medicare Plans in Tampa Florida
Searching for the best Medicare plans with the highest ratings in Tampa? As an Independent Medicare Insurance Broker Tampa, we specialize in helping you comparison shop the top Medicare plans Tampa Florida has to offer. Whether you’re exploring Medicare Advantage plans comparison, seeking affordable Medicare insurance plans, or need Medicare enrollment help during open enrollment, we’ve got you covered.
Let us guide you through the options available in Tampa, Florida, to find the plan that fits your unique needs—whether it’s a Medicare supplement insurance policy or a cost-effective Advantage plan. With our expertise as an independent Medicare advisor, we’ll ensure you get personalized advice and the most value from your coverage. Contact us today and discover why we’re the go-to Medicare Insurance Broker Tampa residents trust for stress-free healthcare solutions!
Request a Free Quote
We can help clients save money and get better coverage on their Medicare Plans!
Expert Comparison Shopping
We will compare quotes from different insurance carriers to help find the best Medicare plan for you. We do the hard work, discovering lowest cost plans with the best coverage.
Personalized Service
We don't believe in one-size-fits-all solutions. Our agents are here to understand your unique needs and provide personalized recommendations tailored to you.
No Obligation, No Pressure, No Cost
We believe in transparency and putting you in control. Requesting a quote is commitment-free. Review your personalized quote at you own pace with no pressure.
Fast and Easy Process
Experience our commitment to quick and hassle-free quotes, ensuring a streamlined and efficient path to receive personalized insurance options.
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Located in Tampa Bay Area? Although we are licensed in several states, we have agents in Hillsborough, Pasco, Pinellas, Polk, Sumter County and more to serve you.
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