Are you on Medicare? Are you nearing the age of eligibility for Medicare? You must get the right plan to supplement your health insurance.
With Medicare, you get excellent coverage, but there are gaps you must fill in. Some plans cover the gaps. You must find the right one.
Understanding how these plans work can be hard. You don’t have to worry, as this guide will explain everything. It’ll discuss United American plans available in Florida.
Read this guide to learn more about the plans and their coverage.
What Are United American Plans For
United American is an insurance company that sells Medicare Supplement policies in Florida. The Florida State Board of Insurance allows it to sell these policies in Florida.
These policies, which are also called Medigap policies, are sold to seniors. Older adults with Medicare benefits are eligible for these plans.
The policies offer seniors coverage that they don’t have in the original Medicare benefits. This means seniors will receive coverage for hospital and doctor bills.
You might be asking, “Are premiums for the United American Medicare plans expensive?” Insurance premiums are worrisome for a lot of people.
The reality is that many seniors who live on a tight budget worry about high premiums. The good news is that these plans have an affordable monthly premium.
Eligibility for United American Medicare Plans
United American Medicare plans are available to a certain group of individuals. Florida Medicare beneficiaries who are 65 and older are eligible. These individuals must have Medicare Part B coverage.
Floridians who have Part B coverage and are about to turn 65 have guaranteed issue rights. This prevents these individuals from being turned down by this company.
There’s no need to worry about your policy being canceled. It’ll be renewed as long as you pay the premiums without issue.
The United American plans are available in most major cities in Florida. These cities include Miami, Orlando, and West Palm Beach.
Medigap Plan A & Medigap Plan B
Medigap Plan A covers Medicare Part A coinsurance payments. It kicks in once original Medicare benefits coverage is over. It also covers Medicare Part B copayment or coinsurance expenses.
This plan covers the first three pints of blood used in a medical procedure. If you need to pay for hospice care coinsurance expenses, it’ll cover it.
Medigap Plan B covers most of the areas that Medigap Plan A covers. This plan covers primary healthcare costs. If you need more than basic coverage for inpatient costs, this plan is for you.
Medigap Plan C & Medigap Plan D
Medigap Plan C covers Part A hospice care coinsurance payment. It also covers Medicare Part A and Medicare Part B deductible costs.
Skilled nursing facility care coverage falls under this plan. It also extends benefits for foreign travel emergency coverage.
Medigap Plan D offers coverage for Part A deductible. It doesn’t cover Part B deductible, nor does it cover excess charges from Part B.
Medigap Plan F
Medigap Plan F offers comprehensive coverage. It covers the gaps left by Medicare Parts A and B.
The bad thing about this plan is the price. Is it a good idea to buy this supplemental plan? Most people don’t mind paying for the higher monthly premium, as the benefits outweigh the cost.
The good thing is it doesn’t leave you with extra expenses to pay. It covers inpatient and doctor costs that remain after Medicare pays its share.
You should know that this specific plan is being phased out. It’s not a good plan for people who can’t afford the high premiums.
Medigap Plan G
Medigap Plan G is like Plan F. Beneficiaries who have Plan G must pay their Medicare Part B deductible. This is an out-of-pocket expense that you must consider.
The premiums and deductibles are lower. These two factors make Medigap Plan G more attractive.
Medigap Plan N
Medigap Plan N is one of the newest supplemental plans. This policy does have a copayment.
The copay for office visits can be as high as $20. If you have to go to the emergency room, you might have a copay of up to $50.
Is there a negative associated with this plan? Yes, there’s one. It doesn’t cover Part B excess charges.
Do you consider yourself a healthy person? If you believe you are, this might be the right plan for you. The copays can add up to savings because of the lower premiums.
The Features of United American Plans
The plans that United American offers have certain features that make them appealing. Each policy is risk-free. You can try it for 30 days and if you don’t like it you can cancel it and receive a full refund.
Are you a frequent traveler? These plans are great for travelers. The plans offer nationwide coverage, so there’s no need to change them.
Do you hate facing restrictions? These plans have no networks. You can see any doctor who accepts your United American plan.
Get the Right United American Plan Now
If you’re a Medicare recipient, you need to buy a plan to supplement it. United American offers several different plans that can meet your healthcare needs.
Consider how much you can pay in premium and how much coverage you need. You can buy a United American Medigap plan that’s right for you.
Have any questions about our plans? Contact us to get all your questions answered. We offer free consultations.