If you are on Medicare and live in Miami-Dade County you have more 2013 Medicare Advantage plan options than most people. There are 47 Advantage plans with drug coverage available and 7 plans without drug coverage.
If you are only interested in Part D coverage there are 34 plans available. Having this many choices means it is vitally important to compare Medicare Advantage plans to be certain that you are getting the best Medicare plan for your situation.
The amount of Medicare Advantage plan options compared to less populated areas only fuels the feeling held by many dwelling in rural areas that the lack of choice means a lack of fairness.
Narrowing your options
The task is not as daunting as it may seem. Assuming you are interested in enrolling in an Advantage plan,you can eliminate the plans without drug coverage if you don’t already have credible coverage from another source. Many veterans have access to VA drug benefits and some people have drug coverage available from a former employer. These people can choose a plan without drug benefits.
It should be noted that you are no longer able to choose a medical-only Medicare Advantage plan and purchase a stand-alone Part D plan. Only if you have credible coverage from another source should you choose a plan without drug coverage.
Most all Medicare advantage plans in Miami-Dade County are available without a monthly premium. AARP Medicare Complete offers a HMO, HMO-POS and Regional PPO plan in Miami which do not require a premium.
Some plans with the highest monthly premium include:
- Humana Choice PPO – $42/Month
- Humana Choice Regional PPO – $85/month
- Humana Gold Choice PFFS – $102/month
All types of Medicare Advantage plans are available in Miami-Dade, including; Private fee-for-service (PFFS) plans, PPO plans, Regional PPO plans, HMO plans and HMO-POS plans. Understanding the differences in the types of plans available is essential to getting the best plan for your situation.
Take some time to learn about the plans available by accessing information online. Request enrollment kits from the plans that seem like they would be your best options and pay particular attention to provider directories and the plan formularies. With all the Medicare advantage plans available in Miami-Dade County you should be able to find a plan that will meet your needs.