If you are older than 65 and you need a health insurance plan in Florida, then Medicare can be a good option for you. Medicare is a federal health insurance program for qualified citizens who meet the eligibility requirements. With a Medicare plan in place, you can receive coverage for various services.
In this article, we’ll explain the eligibility requirements for Medicare in Florida.
Medicare Eligibility in Florida
For most people in Florida, Medicare eligibility begins when they turn 65, allowing them to enroll in Original Medicare during their Initial Enrollment Period. The Initial Enrollment Period starts three months before you turn 65 and ends three months after your 65th birthday. Not only can you enroll during this period, but if you have paid up to 40 quarters (ten years) of Medicare taxes while employed, you can qualify for premium-free Part A.
Apart from qualification due to age, you can also qualify for Medicare in Florida if you receive disability benefits or you have certain health conditions. If you receive disability benefits from the Social Security Administration, you qualify for automatic enrollment in Medicare if you have received disability benefits for 24 months.
If you also have a health condition such as Amyotrophic Lateral Sclerosis, you qualify for Original Medicare the month you start receiving disability benefits. People with End-Stage Renal Disease in Florida will qualify for Medicare if they need regular dialysis or a kidney transplant.
Medicare Options in Florida
Do you live in areas like Pace or Pensacola? If so, there are certain Medicare options for you. Original Medicare consists of Medicare Part A and Part B. Part A covers inpatient hospital care such as skilled nursing facility care, certain home health services, hospice care, and other health services. Part B covers outpatient healthcare costs such as preventive care, ambulance rides, and durable medical equipment.
Medicare Part C is also available in Florida. It serves as an alternative for Original Medicare as it combines Medicare Part A and Part B coverage, in addition to other healthcare services. Part D is also available and it offers prescription drug coverage. If you need help with your out-of-pocket costs from Original Medicare, you can also purchase a Medicare Supplement plan.
If you need more information or help with understanding Medicare plans or want to determine your eligibility, contact us at 334-441-3905 today.