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What's Medicare?
Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).
What's a Medigap policy?
A Medigap policy is an insurance policy that helps supplement Original Medicare and is sold by private companies. A Medigiap policy can help pay some of the remaining health care costs that Original Medicare doesn't pay for covered services and supplies, like copayments, coinsurance, and deductibles. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. These are "gaps" in Medicare coverage.
Why is it important to buy a Medigap policy when I'm first eligible?
When you're first eligible, you have the right to buy any Medigap policy offered in your state. In addition, you generally will get better prices and more choices among policies.
Can I buy a Medigap policy if I lose my health care coverage?
Yes, you may be able to buy a Medigap policy. Because you may have a guaranteed issue right to buy a Medigap policy, make sure you keep these: • A copy of any letters, notices, emails, and/or claim denials that have your name on them as proof of your coverage being terminated. • The postmarked envelope these papers come in as proof of when it was mailed.
What's Medicare SELECT?
Medicare SELECT is a type of Medigap policy sold in some states that requires you to use hospitals and, in some cases, doctors within its network to be eligible for full insurance benefits (except in an emergency).
Can I switch to a different Medigap policy?
In most cases, you won't have a right under federal law to switch Medigap policies, unless you're within your 6‑month Medigap Open Enrollment Period or are eligible under a specific circumstance for guaranteed issue rights. However, in Florida you can switch Medigap policies at any time during the year. You may be subject to medical underwriting. Contact Gary at 954.532.2060 today to find out your options.
Q: ARE DENTAL IMPLANTS COVERED?
A: Yes, on certain plans. Call or contact us for more info.
Q: CAN I PURCHASE A DENTAL PLAN ANYTIME THROUGHOUT THE YEAR?
A: YES.
Q: DO YOU HAVE PPO'S AVAILABLE?
A: YES.
Q: CAN I GO TO ANY DENTIST IN FLORIDA WITH MY PPO?
A: Yes, most dentists accept the PPO plans.
Q: ARE EXAM'S, X-RAY'S, AND CLEANINGS COVERED AT 100%?
A: Yes, THAT IS REFERRED TO AS THE PREVENTATIVE BENEFIT AND IS COVERED AT 100% ON MOST PLANS.
