Original Medicare
Original Medicare includes Part A hospital insurance and Part B medical insurance. It provides the foundation for many Medicare coverage arrangements.
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MEDICARE COVERAGE GUIDANCE
Find Medicare Coverage That Fits Your Needs
Understanding Medicare can feel complicated. HMR OF CENTRAL FLORIDA LLC. can help you learn about coverage options and connect with a licensed insurance professional who can explain plans available in your area.
- ✓ Explore Medicare coverage options
- ✓ Get guidance from a licensed insurance professional
- ✓ Compare options based on your needs
- ✓ No obligation to enroll
✓ LICENSED INSURANCE GUIDANCE
Need Help Understanding Your Options?
Connect with HMR OF CENTRAL FLORIDA LLC. to discuss Medicare coverage options available to you.
Licensed Assistance
Get help from a licensed insurance professional.
Compare Your Options
Understand coverage options available in your area.
No Obligation
Get information before deciding what is right for you.
MEDICARE COVERAGE OPTIONS
Understand the Different Ways You May Get Medicare Coverage
Medicare coverage can be structured in different ways. Learning how each option works can help you have a more informed conversation with a licensed insurance professional.
Medicare Advantage
Medicare Advantage plans are offered by private insurers and can combine Part A, Part B and, in many cases, Part D prescription drug coverage in one plan.
Explore Options →Medicare Supplement
Medicare Supplement Insurance, also called Medigap, works with Original Medicare and may help pay certain costs that Original Medicare does not fully cover.
Learn More →Prescription Drug Plans
Medicare Part D helps cover prescription medications. It may be available as a standalone plan or as part of certain Medicare Advantage plans.
Explore Options →Coverage, premiums, benefits, costs, eligibility and availability vary by plan, carrier, service area and individual circumstances.
MAKE AN INFORMED DECISION
What Should You Consider When Comparing Medicare Options?
Your healthcare needs, preferred doctors, prescription medications, budget and lifestyle can all affect which coverage arrangement may be appropriate for you.
1
Your Doctors & Providers
Consider the providers and healthcare facilities you want access to and whether a plan's network includes them.
2
Your Prescription Drugs
Review whether your medications are covered and how plan formularies, pharmacies and costs may affect you.
3
Your Budget
Compare premiums, deductibles, copayments, coinsurance and other potential out-of-pocket costs.
4
Your Lifestyle & Priorities
Think about the benefits, flexibility and coverage features that matter most to you.
MEDICARE ADVANTAGE PLAN TYPES
Medicare Advantage Plans Can Come in Different Forms
Medicare Advantage plans vary by carrier, county and plan design. Some common plan types include HMO, PPO, PFFS and Special Needs Plans.
HMO Plans
Health Maintenance Organization plans generally use a network of providers and may require coordination through a primary care provider.
PPO Plans
Preferred Provider Organization plans generally offer network flexibility, with costs often differing between in-network and out-of-network care.
PFFS Plans
Private Fee-for-Service plans have their own rules for how providers and members share costs for covered services.
Special Needs Plans
SNPs are designed for people who meet specific eligibility requirements and may be tailored to particular healthcare needs.
HOW IT WORKS
Get Guidance Without Having to Figure Everything Out Alone
HMR OF CENTRAL FLORIDA LLC. can help you understand your Medicare choices and review available options with you.
1
Tell Us About Your Needs
Complete the short contact form with your basic information so an agent can understand how to assist you.
2
Review Available Options
A licensed insurance professional can explain coverage options that may be available based on your location and eligibility.
3
Compare What Matters
Ask questions about benefits, provider networks, prescription coverage and potential costs.
4
Decide With Confidence
Review your choices and decide whether a particular plan is right for you.
FREQUENTLY ASKED QUESTIONS
Medicare Questions? Start Here.
Here are answers to some common questions people have when exploring Medicare coverage.
No. HMR OF CENTRAL FLORIDA LLC. is an insurance agency and is not
affiliated with or endorsed by the U.S. government or the federal
Medicare program.
Medicare insurance agents must be licensed and certified as
required in the states and plans where they conduct business.
Ask your agent about their licensing and the plans they represent.
Original Medicare generally does not include standard outpatient
prescription drug coverage. Prescription drug coverage may be
available through a standalone Medicare Part D plan or through
certain Medicare Advantage plans that include drug coverage.
Medicare Advantage is an alternative way to receive Medicare
benefits through a private Medicare-contracted plan. Medicare
Supplement Insurance works alongside Original Medicare and may
help pay certain Medicare cost-sharing amounts.
Medicare enrollment and plan-change opportunities depend on your
circumstances and applicable enrollment periods. You may qualify
for an Initial Enrollment Period, Annual Enrollment Period or a
Special Enrollment Period depending on your situation.
No. Requesting information or speaking with an agent does not by
itself require you to enroll in a Medicare plan.
READY TO EXPLORE YOUR OPTIONS?
Let's Talk About Medicare Coverage Options Available to You
Complete the form and a licensed insurance professional can contact you to discuss your Medicare questions and available options.
✓ Licensed Assistance
✓ Personalized Guidance
✓ No Obligation
✓ Local Options
Get Personalized Medicare Guidance
Enter your information below and we'll help you get started.
Important Medicare Disclaimer
HMR OF CENTRAL FLORIDA LLC. is not connected with or endorsed by the U.S. government or the federal Medicare program. This website is an insurance marketing website and is intended for solicitation of insurance. We do not offer every plan available in your area. Information about plans, benefits, premiums, copayments, coinsurance, deductibles, networks, eligibility and availability may vary by plan, carrier, county and individual circumstances.
Enrollment in a Medicare plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or are in your Initial Enrollment Period. Plan availability and enrollment depend on applicable Medicare rules and plan contract renewal.
Plan & Carrier Information
HMR OF CENTRAL FLORIDA LLC. may represent Medicare Advantage organizations and Medicare Part D sponsors that have contracts with Medicare or are otherwise approved to offer applicable Medicare products. Not every plan or benefit is available in every area, and not all plans offer all benefits described on this website.
Benefits and coverage may vary by carrier and location. Limitations, exclusions, provider networks, formularies and other restrictions may apply. Every year, Medicare evaluates plans based on a five-star rating system.
SMS Privacy & Terms
If you provide your telephone number and consent to receive communications, HMR OF CENTRAL FLORIDA LLC. may contact you regarding your inquiry and related insurance services. Message frequency varies and message/data rates may apply. You may opt out by replying STOP and request help by replying HELP.
Need More Information?
For information about all Medicare options available to you, you may also contact Medicare directly at 1-800-MEDICARE or visit Medicare.gov. You can also contact your local State Health Insurance Assistance Program (SHIP).