Monthly Archives: February 2014

Broward County High Deductible Plan F

From: Dr. ****** [mailto:*********]
Sent: Sunday, February 23, 2014 3:22 PM
Subject: question

I live in Broward County (zip code 33026), and I will be turning 65 in July. From what I understand, I will probably be able to enroll a  Medicare plan by late April for a July 1 effective date.

Would you know if there is any Medicare supplement plan that offers the F HIGH DEDUCTIBLE plan for Broward County? I have been unable to determine that by searching the web. Your site was very helpful with the general info.

Thank you.



Sent: Monday, February 24, 2014 3:38 PM
To: ‘Dr. ********’
Subject: RE: question

Yes, you will be in Medicare open enrollment starting April 1st. (I can write supplement policies up to 6 months before your 65 birthday, if you would like to get it taken care of now)
Yes, the company that I prefer to write my Medicare Supplement Policies with, ******* ******* Insurance, offers a High Deductible Plan F for Broward County area code 33026. They price of this policy is $69 monthly. Please give me a call at 239-288-0880 to discuss the details.
We also offer an attached savings account that pays 3% interest, to protect you from having pay the whole deductible at one time. This is a great feature for our clients on a fixed income.
Your Insurance Agent,
Van “Reed” Speas II
License # W029777
Online & Interactive Manager – Insurance Agent
W – 239.288.0880


From: Dr. ******** [mailto:**********]
Sent: Monday, February 24, 2014 5:27 PM
Subject: RE: question from ************


The United American F high ded. sounds like a fantastic price.  I was considering Blue Cross PPO ($127 month premium for $3200 max out of pocket a good Rx coverage). But traditional Medicare would give me lots of freedom.

I am working part-time in my psychology practice, and I took early SS, so the out of pocket would not be an issue I’d be concerned about until the day I can’t work anymore.

If I go with United American supplement, I’d need a part D plan as well. I’ve looked at many online, entered my prescriptions. The ones I found that seems best for my prescriptions seems to be Cigna Secure Extra ($58.60 month) and found the United American Part D Select ($36.60 month with $310 deductible) to be  equally good.

I will look forward to speaking with you. If you let me know the cost of the full part F, I can decide what I prefer, so when I call you we are ready for me to enroll.

Thank you.


When choosing between a Medicare Supplement Plan F and an Advantage Plan like BCBS PPO, The flexibility to get the treatment you want and need is worth its weight in gold. No networks or recommendations needed with a supplement plan. I only recommend Advantage Plans for those who simply cannot afford a Supplement Policy.
I will be happy to analyze the different part D plans for you when you are ready to get signed up. I also provide all my clients with a review of their part D plans each year during the open enrollment period from Oct 15 – Dec 7, to ensure they are paying the least amount possible for their Rx drugs.
Please let me know if you would like to get signed up now or I should call in April.
Your Fort Myers Insurance Agent,
Van “Reed” Speas II
License # W029777
Online & Interactive Manager – Insurance Agent
W – 239.288.0880