NEW - Changes to the Prescription Drug Plans for 2024
The Right Plan at the Right Price !
Principal Agent: Lisa Longwell
Phone: (904) 385-8333
FAX: (800) 867-6773
As the principal agent I bring with me over 30 years of experience in human resource management, extensive experience with Medicare and other 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.
Florida Insurance One is an Independent Insurance Agency that specializes in: Medicare Supplements, Medicare Advantage, Prescription Drug Plans, Dental and Vision, we also offer Individual & Family and Employer health plans, Life Insurance and Annuities.
We represent a number of carriers that include Aetna, UnitedHealthcare®, BCBS - FLorida Blue, Humana, Wellcare, United American, Mutual of Omaha, Cigna, and the MarketPlace aka Healthcare.gov and others.
Call us for your FREE Medicare Consultation there is never a fee to help you to make the right choice.
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!
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.
Are you without Health 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.
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 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 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).
There are two parts of Medicare: Part A and Part B
When Am I Eligible
A Medicare Supplement is a type of health insurance sold by private insurers to cover the gaps in Medicare and what you must pay out of pocket. This is what is referred to as a “Medigap Plan.” Medigap policies give you freedom to choose your own doctor. Once insured, you can never be dropped due to health reasons.
If you have a "Medigap" policy, Medicare Part A and Part B will first pay its share of your medical expenses, then your policy will step in and pay its share. This is usually the remainder of your bill. However, it depends on which policy you choose.
If you choose a Supplement you will need to consider purchasing a separate Part D Drug Plan.
A Medicare Advantage Plan is a private health insurance plan approved by Medicare, (like an HMO or PPO), your providers are network based . It is another Medicare health plan choice you may have as part of Medicare. Some Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs.
If you choose an Advantage Plan you get your Part A, B and D benefits from the Medicare Advantage plan instead of traditional Original Medicare.
Medicare Advantage plans were created as an alternative to original Medicare and Medigap. In return, the plan will deliver all of your Part A and Part B services.
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.
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.
" NEW FOR 2024 - THIS WHERE YOUR COSTS STOPS! No more 5% Catastrophic Stage "
In today's market there is a number of different options for Families and Individuals:
Call NOW for a Quote ! (904) 385-8333
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 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.
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.
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.
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 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.
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.
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.
This is a solicitation for insurance
176 Afton Lane, Saint Johns, Florida 32259, United States
Monday - Friday: 9am - 6pm
Saturday: 10am - 2pm
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options.
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