Florida Insurance One Agency

Florida Insurance One AgencyFlorida Insurance One AgencyFlorida Insurance One Agency

Florida Insurance One Agency

Florida Insurance One AgencyFlorida Insurance One AgencyFlorida Insurance One Agency

Insuring a Bright Future

Insuring a Bright Future Insuring a Bright Future Insuring a Bright Future

The Right Plan at the Right Price !

Contact Us

(904) 385-8333

Insuring a Bright Future

Insuring a Bright Future Insuring a Bright Future Insuring a Bright Future

The Right Plan at the Right Price !

Contact Us

(904) 385-8333

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

Medicare Annual Election Period Ends Dec 7th * Call us to Check you have the Best Plan!

About Us

How We Can Help

Our Company

Principal Agent: Lisa Longwell

Phone:  (904) 385-8333

FAX:      (800) 867-6773

Email: Lisa@FloridaInsuranceOne.com


  

Our Company

How We Can Help

Our Company

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.

How We Can Help

How We Can Help

How We Can Help

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, 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. 

Plans

Medicare

Individual & Family

Prescription Drug

Medicare Plans in Florida

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! 

Learn More

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.   

Learn More

Individual & Family

Individual & Family

Individual & Family

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.  

Learn More

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! 

Learn More

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.

Learn More

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).

Find a Plan

Medicare

What Is Medicare

  1. Medicare is the federal health insurance program for People who are 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) 

 There are two parts of Medicare: Part A and Part B

  • Part A provides inpatient/hospital coverage.
  • Part B provides outpatient/medical coverage. (Part A & Part B are what is known as "Original Medicare")
  • Part C offers an alternate way to receive your Medicare benefits (Medicare Advantage Plan).
  • Part D provides prescription drug coverage.


When Am I Eligible 

  • Medicare eligibility begins for most people at age 65. However, individuals who have been entitled to Social Security disability for at least  24 months also qualify.  
  • Many people confuse their Medicare Eligibility date with their Social Security retirement age. They are different. A person can apply for full retirement income benefits at around age 67. This is considered their retirement age. However, this does not affect the age at which they qualify for Medicare.  
  • There is no such thing as a Medicare retirement age. The normal Medicare eligibility age for Medicare is age 65, whether you have retired or not. You can qualify for Medicare coverage at age 65 (or older) if you are a U.S citizen or a permanent resident and you’ve lived here continuously for 5 years or more.

Medicare Supplements

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. 

Medicare Advantage (Part "C")

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. 

Prescription Drug "Part D"

Medicare Part D Drug Plan

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 may incur late penalties when you enroll later

How Medicare Part D Works

  1. Annual Deductible In 2023, the allowable maximum Part D deductible is $505. 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. After that, you enter initial coverage.
  2. Initial Coverage During this stage of Part D drug coverage, you will pay a copay for your medications based on the drug formulary. Each drug plan will separate its medications into tiers.  Each tiers has a copay amount that you will pay. (For example, a plan might assign a $7 copay for a Tier 1 generic medication. Maybe a Tier 3 is a preferred brand name for a $40 copay, and so on).  The insurance company tracks the spending by both you and the insurance company until you have together spent a total of $4,660 in 2023.
  3. The Coverage Gap After you’ve reached the initial coverage limit for the year, you enter the "coverage gap". During the gap, you will pay only 25% of the retail cost of your medications. Your gap spending will continue until your total out of pocket drug costs have reached $7,400 in 2023.
  4. Catastrophic Coverage  Minimum cost-sharing under catastrophic coverage benefit: $4.15 for generic/preferred multi-source drug and $10.35 for all other drugs for 2023.

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, Golden Rule, PCHS and Aetna 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.

Indemnity Plans

Predictable Set Dollar Benefits.  You’ll know exactly what the plan will pay to your provider for each covered office visit, test, hospitalization, and more. Then combine this with your in-network discounts to help you stretch your benefits further 

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. 

Contact Us

A Licensed Agent will Contact you About your Insurance or Medicare Options

Attach Files
Attachments (0)

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

This is a solicitation for insurance

Florida Insurance One Agency

176 Afton Lane, Saint Johns, Florida 32259, United States

(904) 385-8333

Hours

Today

Closed

Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Closed

 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. 


Copyright © 2020 800-867-6733 - All Rights Reserved.

  • Home

Powered by GoDaddy Website Builder

Medicare Cost Decrease

  • The standard monthly premium for Medicare Part B enrollees will be $164.90 for 2023, a decrease of $5.20 from $170.10 in 2022. 


  • The annual deductible for all Medicare Part B beneficiaries is $226 in 2023, a decrease of $7 from the annual deductible of $233 in 2022.