NEW - Changes to the Prescription Drug Plans for 2025 Part D benefits
About Us
Best Medicare Insurance in Florida
Best Medicare Insurance in Florida
Best Medicare Insurance in Florida
Principal Agent: Lisa Longwell
Phone: (904) 385-8333
FAX: (800) 867-6773
Email: Lisa@FloridaInsuranceOne.com
Insurance Brokers
Our Company
Best Medicare Insurance in Florida
Best Medicare Insurance in Florida
As the principal agent I bring with me over 30 years of experience in human resource management, extensive experience with Medicare and other Insurance products and a lifetime career in customer service.
Specializing in Medicare products we will help you choose the best products for your needs, show you how to utilize those products to maximize your coverage and gain the most protection.
With a collective background and a passion for helping people make great choices at the right price, it is my reason for joining the Insurance industry.
I understand that everyone has different insurance needs. That is why I am committed to provide you an individualized plan with the highest level of customer service every time.
How We Can Help
Best Medicare Insurance in Florida
How We Can Help
Florida Insurance One is an Independent Insurance Agency that specializes in: Medicare Supplements, Medicare Advantage, Dual Special Needs Plans "DSNP", Prescription Drug Plans, Hospital Indemnity Plans, Dental and Vision, we also offer Individual & Family, Life Insurance and Annuities, and HEALTHCARE.GOV.
We represent a number of carriers that include Aetna, UnitedHealthcare®, BCBS - Florida Blue, Devoted, Humana, Wellcare, United American, Mutual of Omaha, Physicians Mutual, Cigna, and the MarketPlace aka Healthcare.gov and others.
Plans
Medicare
Individual & Family
Prescription Drug
We offer Medicare Supplements (aka "Medigap") and Medicare Advantage Plans. These plans offer different methods to pay for medical coverage that best fits your lifestyle. Some Advantage plan Premiums you won't believe, and Part B Premium Reductions!
Prescription Drug
Individual & Family
Prescription Drug
Medicare Prescription Drug Plans are also called Part D benefits, an optional US federal-government program to help you pay for prescription drug insurance premiums.
Individual & Family
Individual & Family
Individual & Family
Are you without Healthcare Coverage, between jobs or been laid off; waiting for employer benefits; part-time or temporary; or recently graduated, these Plans may be Right for You.
Dental & Vision
Dental & Vision
Individual & Family
Find Out How Affordable Your Plan could be with a No-Obligation Quote. Choose the Right Plan for Your Budget and Needs. Skip Large Out-Of-Pocket Expenses Later!
Ancillary
Dental & Vision
Healthcare.gov
Ancillary Benefits can help cover Deductibles, Co-pays, Emergency Costs, Accidents, or Unexpected Out-of-Pocket Expenses and lower your financial burden. See the Different Types of Plans we offer.
Healthcare.gov
Dental & Vision
Healthcare.gov
HEALTHCARE.GOV is a federal health plan exchange, also called the Marketplace where you can buy a Health Insurance Plans. Exchanges are set up by the Affordable Care Act (ACA).
Prescription Drug "Part D"
What Is Part D
Part D, is simply insurance for your medication needs. You pay a monthly premium to an insurance carrier for your Part D plan. In return, you use the insurance carrier’s network of pharmacies or mail order to purchase your prescription medications. Rater than paying full price, you will pay a copay or percentage of the drug’s cost. The insurance company will pay the rest.
When Am I Eligible for Part D
You are eligible for Medicare Part D as long as you are actively enrolled in either Part A and/or B. You must also live in the Part D plans’s service area. Though Medicare Part D is voluntary, we strongly recommend it if you have no other drug coverage. "Part D" provides you insurance against future catastrophic medication costs. It will also help give you lower co-pays on medications you take now.
- Be aware that if you do not enroll in Part D and you have no other creditable coverage, you will incur late penalties when you enroll later
How Medicare Part D Works - 2025
- Annual Deductible: NEW for 2025, the allowable maximum Part D deductible is $590. Plans may charge the full Part D deductible, a partial deductible, or waive the deductible entirely. You will pay the network discounted price for your medications until your plan calculates that you have satisfied the deductible. (Deductible Stage)
- After that, you enter the next coverage stage. MAX Out-of-Pocket: Prescription costs are Capped at $2,000 for 2025. That is down from $8,000 in 2024. Drug plan formulary's Tier pricing may have changed this year. In this stage you are charged a co-pay amount per medication depending on the Tier level of your drug. The accummulation of your deductible, copay and out-of-pocket, up to the $2,000 will be your total spend for the year. (Initial Stage)
- NO MORE Coverage Gap - aka, The Donut Hole" This point on and drug cost will be $0 (ZERO DOLLARS) (Catastrophic Stage)
Individual & Family
Types of Plans
In today's market there is a number of different options for Families and Individuals:
- STM "Short Term Medical" and "Tri-Term Medical" plans. Most have a Deductible & co-pay you can choose that best fits you finances.
- They offer Doctor Visits, Wellness Visits, Hospital - In Patient & Out Patient and Emergency coverage. You have the option to keep the coverage for as short or as long of a period as you needed.
- These plan are PPO's "Preferred Provider" plans where you have a network pf doctors to choose from. Some of the networks include, UnitedHealthOne Golden Rule, PCHS, Aetna, and Cigna to name a few.
Call NOW for a Quote ! (904) 385-8333
Dental & Vision & Ancillary Plans
Dental and Vision
Dental and Vision
Dental and Vision
We offer Dental Plans that begin coverage immediately and some with waiting periods. Some of the carriers include Cigna, Delta Dental, Aetna, UnitedHealthcare®, Humana, National General, .
Ancillary Plans
Dental and Vision
Dental and Vision
Ancillary Benefits refer to benefits, (usually fixed amount payments) that are used to supplement health insurance to help cover your deductibles, out-of-pocket expenses and co-pays.
Ancillary Plans
Hospital ProtectorGuard Plans
ProtectorGuard Plans offer coverage with simple, straight-forward benefits for Doctor Visits, In-Patient Hospital Stays, Surgical Services, Wellness/Preventative Care, Out-Patient Services and more.
Hospital Indemnity Plans
Predictable Set Dollar Benefits. You’ll know exactly what the plan will pay to you or your provider for each covered expense - hospitalization deductible, ambulance/emergency room, outpatient rehabilitation, skilled nursing and more. This combined with a Medicare Advantage Plan can help cover most of your costs.
Accidental Fixed and AD&D Plans
Accident Fixed-Benefit coverage pays cash right to you, helping you catch up financially from days off work and pay expenses other plans don’t, like auto and medical deductibles. You get a set cash benefit for each covered injury or service — multiple benefits that really add up.
Critical Illness Plans
Critical Illness insurance can pay you cash for a qualifing serious illness. You can use the cash however you want - for bills, livinig expenses, out-of-pocket medical costs, and more. So you'll be able to focus on treatment and recovery.
Life Insurance
Term life insurance offers the financial protection your loved ones need in the event of your death to protect your family’s finances. Lump-sum cash benefit. The money is paid to your beneficiary and can be used as they wish.
Cancer & Heart/Stroke Plans
With Cancer and Heart/Stroke coverage, you get cash benefits when you need them most, so you can concentrate on recovery without worrying about your bills piling up. Your Cancer and Heart/Stroke plan will pay cash benefits for a number of common, diagnoses.
BIG Drug Plan Changes
DONUT HOLE ELIMINATED
- In 2025, the Coverage Gap phase (commonly known as the “donut hole”) is eliminated.
OUT OF POCKET (OOP) - MAX
- There is a maximum $2000 Out-Of-Pocket spending on covered drugs for Part D enrollees. (made up of: Deductible; Copays; & other payments made on their behalf.
NEW OPTION ON WAY TO PAY
- Have the option to set up monthly installment payments with the Carrier rather than paying for expensive drugs all at once