Understanding Florida Medigap Insurance

As soon as you turn 65 as a citizen of the United States who has paid his taxes for more than five years, you are automatically enrolled in for Medicare. While some people prefer to get comprehensive insurance from a private company, most senior citizens in Florida would be more than happy to supplement their Medicare Part A or B plan with Florida Medigap insurance that provides them coverage in areas where their basic Medicare plan does not provide coverage.

Out-of-pocket expenses (or ‘gaps’ as they’re also known) such as copayments, coinsurance, and deductibles which Hospital Insurance (Medicare Part A) or Medical Insurance (Medicare Part B) does not cover can also be taken care of by your Medicare Supplemental Insurance Florida policy as well.

Another important aspect for most senior citizens is taking care of their failing eye sight which might result in the need to cover expenses that might be related to eye examinations as well as the purchase of contact lens, sunglasses or eye glasses. Depending on the type of plan that you choose, this can be covered by individual vision insurance that can cover expenses partially or fully with or without copayments as well.

There are as many as twelve Medigap plans available from A to L, with Plan A being the most basic of them all while Plan L provides most coverage benefits than others. Just remember to not buy a Medigap plan when offered to do so if you are already enrolled in a Medicare Advantage Plan.