Fort Myers Insurance Agent - Medicare and Life

Call : (239) 288 - 0880

Medicare Supplemental Insurance

Choosing a Medicare insurance product is an important part of turning 65 and becoming eligible for Medicare coverage. It is difficult to understand how Medicare works and what traditional Medicare covers and does not cover. Medicare supplemental insurance comes in a variety of different plans starting with Plan A and ending with Supplement Plan F. Mr. Speas our insurance agent will explain Medicare in its simplest terms and provide you with coverage options that can fit your budget.

Video of Mr. Van "Reed" Speas II

Telephone:    239.288.0880
FAX: 239.275.9967            
E-mail: Reed@1floridainsurance.com

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Florida State Insurance and Federal NASD Licenses held by Mr. Speas

Florida 2-15: Life and Health Insurance License

License # W029777 - www.MyFloridaCFO.com

NASD series 7: General Securities Representative

NASD series 63: Uniform Securities Agent

NASD series 55: Equity Trader Limited Representative

www.FINRA.org

Commonly Asked Medicare Supplement Questions and Answers

1. Q = I am thinking about moving to South Carolina , if I buy a Medicare Supplement from United American Insurance Company can I take it with me when I move?

A= Yes you can keep your Medicare Supplement from United American anywhere you move.

2. Q = If I am visiting my family in Ohio will my Florida Medicare supplement cover any medical expenses I may have while in Ohio ?

A = Yes, the Medicare Supplement Policy that you purchased here in Fort Myers, FL will cover you anywhere in the United States and some plans even have emergency protection while traveling abroad.

3. Q = Do I have to enroll for Medicare Part D at the same time as I purchase my Medicare Supplement?

A = You are not required to enroll in a Medicare Part D program when you purchase a supplement. Although if you do not have a " form of prescription drug coverage" when you first have Medicare Part B then you may be susceptible to a late enrollment penalty. Most people will enroll in a Medicare Part D program when they enter Medicare.

4. Q = We currently have a Minnesota Medicare supplement policy and we are moving to Fort Myers, Florida permanently this November. Do we need to get a Florida Medicare Supplement Policy or can we transfer our policy from Minnesota ?

A = You will need to get a Florida Medicare Supplement Policy, many of the Medicare supplement providers are state run organizations and they are not transferable to Florida. Although some can be transferred to Florida for and higher premium.

E-mail Questions and Answers:

Question:

Sent: Wednesday, November 09, 2011 4:33 PM
To: Reed@1floridainsurance.com
Subject: Medigap Coverage

Hello Reed:

Found your web site informative on Medicare Coverage.  My wife and I are both 64 with birthdays in January (my wife) and April (me).  Looks like Medigap plan F is the best for flexibility.  We are residents of SW Florida and here 6.5 months and in Minnesota 5.5 months.  We are currently covered by Anthem but wonder if plan F is any less expensive with Humana, Aetna, Mutual of Omaha for the same coverage..  Also interested in your advice regarding Part D coverage (we have minimum chronic medications) and the expense of supplemental Dental/Vision coverage.

Thanks.

Tom and Vickie

Answer:

Sent: Monday, November 14, 2011 9:17 AM
To: 'Tom & Vickie'
Subject: RE: Medigap Coverage

Tom and Vickie,

I am pleased that you found my website informative, and thank you for contacting me.  When I comes to the prices of a Medicare Supplement Plan F United American and GerberLife have some of the most competitive prices and I will be happy to do a side by side comparison for you. 

When it comes to Medicare Part D I offer my clients a service where I will compare the different plans to your drug formulary and recommend the Part D provider that will offer you the lowest price.  BCBSF, WellCare, and Humana are the most common Part D providers that I recommend , but it depends on your specific drug formulary.  I also review your Part D on a yearly basis as the specifics of each Part D plan change each January, 1st. 

I do offer Dental/Vision and will be happy go over the details of each. 

I will be sending you an e-mail with Quotes from:United American, Humana, Mutual of Omaha, GerberLife for your comparison in a subsequent e-mail.  Give me about 5 minutes to set up the quote and I will have it sent out. 

Please give me a call and we can set up an appointment to go over the details.

Your Boynton Beach Insurance Agent,

Van “Reed” Speas II
Online & Interactive Manager – Insurance Agent
W - 239.288.0880