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3 items to consider before buying a Medicare Supplement Plan in Naples, Florida


If you are a resident of Naples, Florida, you already know you are a step ahead of the rest of the country in finding the ideal place to live and retire.  Much of the amenities and services in Naples, cater to a more "mature" clientele - making Naples an ideal living location for seniors.

What you don’t need, is for your relatively ideal lifestyle to be hampered by a Medicare supplement insurance choice that was not well thought out.  Consider these 3 key steps to acquiring a first-rate Medicare Supplement plan:

1.  Know Medicare eligibility requirements.

First off, you must be covered by Medicare before you can qualify for a Medicare insurance supplement plan.  (Also known as Medigap plans. ) Not everyone initially qualifies.  Please give us a call for more information on this.

2.  Know what Medigap options are available to you.

If you are covered by Medicare, you are faced with a host of supplement options.  Medicare supplement plans are offered in specific benefit packages that are signified by letters of the alphabet.  For example: Medicare Supplement Plan A, Medicare Supplement Plan N, Medicare Supplement plan G.  The benefits of these plans are standardized by law.  So, no matter which insurance company is issuing the plan, the benefits for each plan type are generally the same.  Consequently, a Medicare Supplement Plan F offered by Cigna, is required to provide the same general benefits as a Medicare Supplement Plan F issued by Humana, or Mutual of Omaha.  There are also Medicare Advantage plans.  The benefit structure of these type of Medicare supplement plan options are entirely different.  They generally provide comprehensive coverage at a lower cost.  However, they are likely to have more restrictions on usages and networks.  Be sure you fully understand how Medicare Advantage plans work, before signing up for one.

3.  Know what you can afford.

Whether you reside in Naples, or anywhere else, when considering a Medicare Supplement plan, you must take into account your long-term financial budget.  You can expect the monthly premium for your Medicare Supplement plan to trend upward in price.  Therefore, you need to have a good idea as to what your financial position will be for the foreseeable future.

All of these issues should be discussed with a Medicare Supplement Insurance specialist.  We are happy to help.  Give us a call today.