Florida Medicare Online sponsored by Richard E Smith, Licensed Florida Insurance Broker
Richard E Smith
I’m licensed and reside in the state of Florida, so I only work with Florida residents. If you’re located in South Florida, please feel free to make an appointment to see me at my office.
The worldwide pandemic has changed the way we sell insurance, I’ve moved all of my client interactions online with virtual meetings and consultations.
If you have an internet-connected device with a camera and microphone, I host secure, online meetings via Zoom video conferencing or Gmail Meet.
I understand how important your Medicare needs are. As a broker, I represent multiple Medicare: Supplement (Medigap), Advantage (Part C), and Prescription Drug Plan (Part D) providers and work with America’s largest independent insurance agency. I don’t care who you go with, I just want you to have the best healthcare coverage at a price you can afford!
13791 Metropolis Ave, Fort Myers, FL 33912
Florida residents under age 65 seeking health insurance, please visit:
How May I Assist You Today?
I'm turning 65 and will be eligible for Medicare
I'm disabled and will be eligible for Medicare
Disabled Federal, State and local government employees who are not eligible for monthly Social Security or RRB benefits may get deemed entitlement to disability benefits and automatically entitled to Part A after being disabled for 29 months.
Individuals whose disability is Amyotrophic Lateral Sclerosis (ALS) are entitled to Part A the first month they are entitled to Social Security or RRB disability cash benefits. There is no waiting period.
SSA rules do not allow for child disability benefits to begin earlier than age 18. Therefore, Part A entitlement based on child disability benefit entitlement can never begin before the month the person attains age 20 (or age 18 if the individual’s disability is ALS).
I have a SEP
I have a chronic illness(es)
C-SNPs are SNPs that restrict enrollment to special needs individuals with specific severe or disabling chronic conditions, as defined by CMS. Medicare enrollees having multiple chronic conditions requiring coordination of care among primary providers, medical and mental health specialists, inpatient and outpatient facilities, and extensive ancillary services related to diagnostic testing and therapeutic management.
I receive partial or full Florida Medicaid Benefits
If you have Medicare and full Medicaid coverage, most of your health care costs are likely covered.
You can get your Medicare coverage through Original Medicare or a Medicare Advantage Plan (Part C). If you have Medicare and full Medicaid, you’ll get your Part D prescription drugs through Medicare. And, you’ll automatically qualify for Extra Help paying for your Medicare prescription drug coverage (Part D). Medicaid may still cover some drugs and other care that Medicare doesn’t cover.
I need a standalone Prescription Drug Plan
- You have other
- You get Extra Help
Generally, you’ll pay this penalty for as long as you have Medicare prescription drug coverage.
2 ways to get prescription drug coverage
- . These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
- like an HMO or PPO) or other that offers Medicare prescription drug coverage. You get all of your and coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan
Free AEP Medicare Coverage Virtual Consultation
Annual Enrollment Period (AEP) is here! Medicare subscribers have from October 15th to December 7th, 2020 to make changes to their Medicare Part C & Part D coverage for the following year.