Medicare Agents Miami Florida; How do seniors find the best Florida Medicare insurance plan options and costs? Start by speaking with at least one local Miami-area Medicare insurance agent. Here’s how to find one and questions to ask;
- Are you located in Florida? Where?
- How many years have you been selling Medicare plans?
- Do you offer both Medicare Advantage and Medigap?
- How many Medicare insurers are you ‘appointed’ with?
- Are you the person I call if I have future questions?
Find Medicare Agents Miami Florida
The American Association for Medicare Supplement Insurance makes available a free, online directory listing Find Miami Medicare agents. It’s free to access and completely private. You see listed agents and decide who you want to contact.
Facts About Medicare in Florida
- Nearly 5 million people are enrolled in Medicare in Florida.
- More than half of Florida Medicare beneficiaries select Medicare Advantage plans.
- Depending on where they live, some Florida residents can select from 100 different MA plans. Others have 25 to choose from.
- Florida residents also can use from multiple Medigap plans.
- Medigap prices can vary significantly (for identical plan coverage) making it important to compare.
Florida Medicare Advantage Plans
The number of available Medicare Advantage (MA) plans is based on where you live in Florida. In some Florida counties, residents can choose from more than 100 different Medicare Advantage (MA) plans (2023). Residents of other counties only have fewer than 25 options.
A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans.
Medicare Supplement (Medigap)
Different insurance companies offer Medigap insurance plan G options. Plan G is the most popular choice among those turning 65 and applying for Medicare Supplement.
Here is a partial listing of Medigap Insurers for Miami Florida (alphabetical)
- Aetna Health Insurance Company
- Aflac
- Allstate
- American Benefit Life Insurance
- AARP, Insured by UnitedHealthcare
- Cigna National Health Insurance
- Humana Insurance Company
- New Era Life
2023 Medigap Plan G Rates Miami Florida (Zip 33101)
Medicare agents Miami Florida can help you get the best Medigap insurance rates. As the chart shows, there is a big difference between the lowest and highest available rates.
The following are rates for a man turning 65 and selecting Medigap Plan G. Rates are reported as of March 20, 2023 and subject to change. Discounts or added premium fees are not included.
Lowest monthly premium: $240.52
Highest monthly premium: $413.13
2023 Medigap Plan G Rates for a female turning 65 (Miami, Florida – Zip Code 33101).
Lowest monthly premium: $230.97
Highest monthly premium: $359.24
Medigap Plan N Rates Can Help You Save
Increasingly, Florida seniors are consideriung Medigap Plan N as a way to reduce insurance costs. Ask your Medicare insurance agent for information.
Here are rates for a man turning 65 and selecting Medigap Plan N. Rates are reported as of March 20, 2023 and subject to change. Discounts or added premium fees are not included.
Lowest monthly premium: $198.00
Highest monthly premium: $319.60
2023 Medigap Plan N Rates for a female turning 65 (Miami, Florida – Zip Code 33101).
Lowest monthly premium: $172.00
Highest monthly premium: $277.91
Questions To Ask Medicare Agents Miami Florida
Medicare is a national program. Medicare plan options are local. The plans available in Miami may NOT be available elsewhere. Costs for Medicare coverage in Miami can vary.
When you call a toll-free number advertised on television, you have no idea who you are speaking with. It will be an agent. Even if the ad seems to imply that you are calling the insurance company. You can only get pricing and information by speaking with a licensed insurance agent. That’s the law.
So, here are questions to ask:
Where are you located? Are you in Florida? Medicare is complicated. As we said, the plan options can vary based on where you live. Agents staffing call centers are a great resource. But we believe smart seniors should also include at least one Medicare agent who is local.
How many years have you been selling Medicare plans? Experience matters when the options are so many and so complicated. We have nothing against new Medicare agents. They have to be well trained and could be your best resource. But if you were getting surgery, wouldn’t you ask about the doctor’s experience. Selecting a Medicare plan option can be just as vital to your future health.
Do you offer both Medicare Advantage and Medigap? Some agents do. Others don’t. That doesn’t mean one is better than the other. But an agent who only offers Medicare Advantage plan options obviously won’t tell you about benefits of Medigap (Medicare Supplement).
How many Medicare insurers are you ‘appointed’ with? Appointed is insurance industry jargon. It means the agent can sell you a particular company’s plan. And, get paid for doing that. Some Medicare agents are only appointed with 1 insurance company. Guess which plan they will push. Others are appointed with multiple insurers. It’s important to know how many. And, you can even ask which ones.
Are you the person I call if I have future questions? Thinking ahead is smart. Once you select a Medicare plan you will deal directly with the plan. But, undoubtedly questions will come up. Will you have to start over speaking with an anonymous agent at a Call Center. Having a relationship with a local Medicare agent can help make the process easier.
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