Florida Blue Medicare Advantage Plans for 2021
You can request information on Florida Blue Medicare Advantage plans for 2021 and Florida Medicare Supplemental insurance in your own local area by entering your home ZIP code in the box at the top of this page. If you have questions or would like help signing up, be sure to give us a call.
We help Floridians and people from elsewhere around the country shop for Medicare plans from companies with top star ratings, such as Blue Cross and Blue Shield Association. We can give you some extra help when you’re shopping for your health options, such as BlueMedicare Complete or BlueMedicare Classic Plus.
Florida Blue Medicare Advantage Plans vs. Medigap
Florida Medicare Advantage plans are not the same as Medicare supplements. This is a quick comparison of the essential differences between Florida Medicare Advantage plans and Medicare supplements:
- A Supplement works with original Medicare to fill in the gaps for things that Medicare Part A and Medicare Part B do not fully cover. Some of these plans are cost-sharing Supplement plans, though, so you may still have some copays and other costs, depending on the plan that you choose.
- A Medicare Advantage plan becomes your new insurance policy, and you will use your private plan card instead of your Medicare card when you get health services.
- Both Supplements and MA plans are marketed by private insurers and regulated by both your state and Medicare.
- Part D prescription plans are never included in Supplements. If you want drug coverage to go with your Supplement, you have to buy one of the prescription drug plans that are available separately. You can specifically look for an Advantage plan with prescription drug coverage if you want the help with your medication costs that Part D plans (PDP) provide.
- With a Medicare Supplement plan, you do not have to worry about issues with out-of-network providers. If you choose an Advantage plan that is an HMO SNP, PPO or HMO plan, you do have to worry about network restrictions. For example, most Advantage plan members have to choose an in-network primary care doctor and other in-network health care providers.
- With a Medicare Supplement, you have to pay the Part B premium. Some companies that offer Advantage plans, however, pay for some or all of the Part B premium.
The right choice for you really does depend upon your budget, preferences, and location. For example, you can find Florida Blue Medicare Advantage plans for 2021 all over the state, but you will find that they are different in various regions, counties, and even ZIP codes. Differences may include the price, coverage levels, and even the exact benefits that they provide. Of course, many MA plans rely upon a network of medical providers, and affiliated doctors, hospitals, pharmacies, and therapists will vary by your area.
Best Florida Blue Medicare Advantage Plans in 2021
There are 3,527,830 Medicare recipients in Florida. Consider some interesting statistics about plan preferences in different areas from a spotlight produced by the Kaiser Family Foundation in 2013:
- Of the 405,000 recipients in Miami-Dade County, which includes Miami and Hialeah, 57 percent enrolled in a FloridaMedicare Advantage plan.
- In Broward County, which includes Fort Lauderdale, 51 percent of the 272,000 eligible seniors signed up for MA.
- Only thirty-five percent of recipients in Palm Beach County enrolled in MA plans.
The differences might be because of the average recipient’s budgets, preferences, or available networks in different counties. While Medicare Advantage plans in Florida typically have lower premiums, and some even require no additional premium, Florida Blue Medicare Advantage plans for 2021 might help reduce potential out-of-pocket costs more.
List of all the Medicare Advantage plans offered by Florida Blue:
- Florida Blue Medicare Advantage Choice Regional PPO Plan
- Florida Blue Value PPO
- Florida Blue Medicare Select (Local) PPO
- Florida Blue Medicare Classic & Premier HMO
- Blue Medicare Preferred HMO (Discontinued)
- Florida Blue Medicare Supplement Plans
Florida Medicare Beneficiaries by County
The Center for Medicare and Medicaid, CMS, provides information about the number of Medicare recipients by Florida county.
These are some 2012 enrollment figures for some other major counties in the state:
- Duval County, which includes Jacksonville, has 138,334 beneficiaries.
- Orange County, which contains Orlando, has 155,106 beneficiaries.
- Hillsborough County, which contains Tampa Bay, has 199,714 beneficiaries.
- Pinellas County, which contains St. Petersburg, has 225,337 beneficiaries.
- Leon County, which contains Tallahassee, has 35,741 beneficiaries.
Compare Medicare Advantage Plans in Florida
You can find Florida Blue Medicare Advantage plans for 2021 statewide, and these include both Medicare Advantage and supplements. However, the choices available in Miami and Hialeah may be different than the choices available to residents of Jacksonville, Fort Lauderdale, Orlando, Tampa, St. Petersburg, or even Pensacola. Additionally, any comparison of the variety of plans available in your local area will uncover some that suit your needs and budget better.
For example, relatively healthy and active seniors who live in an area with good network coverage might be perfectly satisfied with a PPO or HMO. Seniors with a severe or chronic health condition may save money by choosing a plan with higher premiums but more comprehensive coverage.
Shop Florida Blue Medicare Advantage Plan in 2021
You don’t have to shop for a health plan with an affordable monthly premium and good coverage on your own. Of course, you can look for information on medicare.gov. Additionally, we can help you look for a health insurance option from an insurance company like Blue Cross Blue Shield of Florida so that you can reduce your healthcare expenses.
No matter where in the state you live, our experienced and professional agents can help you out!