Enrolling in a Medicare Supplement Plan Can Protect Your Finances

VERO BEACH, Fla. - April 9, 2013 - PRLog -- Medicare Advantage, (Part C) plans are run by private insurance companies who have a contract with Medicare to handle members' benefits and claims. Original Medicare, Part A (hospital) and Part B (doctors and outpatient services) only covers about 80% of these costs. There are annual deductibles, copayment and coinsurance for both parts and there is no coverage for prescription drugs.

The most popular Medicare Advantage plans are HMOs and PPOs, including Regional PPOs which have multi-county networks of medical providers:,doctors, hospitals, outpatient services, dentists, pharmacies,etc. and there are rules to follow about where you can obtain your care. HMO's do not have out-of-network coverage, and they usually require referrals by the primary care physcian to specialists. PPO's allow out-of-network services, at a higher copay, and they don't require referrals to a specialist.

Medicare Advantage plans often have low premiums- as well as "0" Monthly premium plans, in some areas. The plans usually include additional benefits such as dental, hearing and vision exams, wellness programs, gym memberships and prescription drug coverage.

Finally, there are no health questions to join. All Medicare beneficiaries, including people on Medicare, due to disability, are guaranteed acceptance. The only exception is a person with End Stage Renal Disease.

For free assistance with plan comparisons, selection and enrollment, contact Florida licensed, Medicare Agent Renee Lempert, www.floridaseniorsinsurance.com.

Disclaimer: Not Affiliated with the US Government or the Federal Medicare program.