Medicare Employer Coverage
Primary vs. Secondary Medicare Coverage
Health Insurance Coverage for Small Businesses, Individuals, & Families
Whether shopping for health insurance coverage or employer coverage for your small business, yourself, or your family, hunting down the right insurance plan is not only frustrating and time-consuming, but can be a daunting experience if dealing with the wrong insurance agency. Let our award-winning agents help you find the ideal employer coverage for your needs.
With over two decades of experience, our staff is ready to find you the best Medicare coverage and Medicare benefits at the lowest possible rate, and that’s the great thing with Florida Medicare Expert — not only do we excel in both Medicare coverage and Medicare benefits, we’re also the top local health insurance agency in Florida. Our staff gathers the best information and options for your health insurance plan or for small businesses all in one place, including major medical, PPO’s, HSA, and more!
Medicare and Employer Coverage
Medicare employer coverage is a type of employer health insurance plan that is offered by employers to their employees who are eligible for Medicare. This type of employer coverage can help bridge the gap between what Medicare covers and what employees need to pay out of pocket for their medical care.
In general, Medicare and employer coverage is available to individuals who are aged 65 or older and have worked for an employer who offers health insurance to their employees. In addition, some individuals with disabilities may also be eligible for this type of coverage.
One of the benefits of Medicare and employer insurance coverage is that it can help individuals save money on their healthcare costs. Medicare Part A, which covers hospital stays, is typically provided at no cost to most beneficiaries. However, Part B, which covers outpatient care, physician services, and other medical services, requires individuals to pay a monthly premium. With both Medicare coverage and employer insurance, the employer coverage may pay all or part of this premium, which can help reduce the overall cost of employer coverage for the employee.
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What Can I Expect from Employer Insurance Coverage?
In addition, both Medicare and employer coverage may also provide additional benefits beyond what is covered by traditional Medicare. For example, some plans may offer prescription drug coverage, dental and vision benefits, and other services that are not covered by Medicare and employer coverage.
It is important to note that not all employers offer employer coverage and benefits like prescription drug coverage. In addition, the cost of employer coverage of these plans can vary depending on the employer and the specific plan being offered. It is important for individuals to carefully review the details of their employer coverage to understand what is covered and what their out-of-pocket costs may be.
It’s important not to delay Medicare enrollment — make sure you sign up for Medicare before you incur a late enrollment penalty. During your initial enrollment period, you will be able to sign up for Medicare, discuss your employer health benefits with your insurance agent, determine what Medicare pays and what your group health plan pays, and whether or not you should sign up for Medicare or stick with your coverage through your employer.
Overall, Medicare employer coverage can be a valuable option for individuals who are eligible as long as you sign up before incurring a late enrollment penalty. By providing additional employer coverage and reducing out-of-pocket costs, this type of plan can help individuals better manage their healthcare expenses and maintain their overall health and well-being. Remember though you cannot contribute to a Health Savings Account.
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Our agents take pride in our extensive knowledge and experience in the world of insurance. Our exceptional personalized service doesn’t just end with top options and advice; once your policy is in place, our agents will consistently review your plan to ensure you’re receiving exactly what you need, all at the best possible rate. Although we are local to Coral Springs and Parkland, our agents are ready to assist you, regardless of location
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Whether you’re a small business, self-employed, an individual, or a family in Florida, you’ve experienced the frustrations of rising health insurance costs, but we have good news! The perfect health insurance plan is out there for you and we will help you find it! We know how important it is to stay within or under budget, especially with these unprecedented times, and getting stuck with the wrong insurance plan can be costly and aggravating. We help you find affordable, quality health insurance.
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