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Medicare Health Plans

Find the right plan that's affordable for you. We offer multiple choices for medicare plans.

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Medicare Advantage Plans

Health Maintenance Organization (HMO) Plans | Preferred Provider Organization (PPO) Plans | Private Fee-for-Service (PFFS) Plans | Special Needs Plans (SNPs)

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Medicare Gap Plans A - N

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance."

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Welcome To Medicare Solutions Partner

We’re the premier resource for medicare solutions for seniors.  We offer multiple medicare plans that allow you to shop the various plans on one website to save you time to make an informed decision on the right medicare plan for you. Listed below are some of the services we offer to help you search for the right medicare plan.

Emergency Services

Find what emergency services your medicare plan covers.

Qualified Doctors

Find the doctors in your selected plan.

24/7 Supports

Access information online 24/7/365.

Online Appointment

Speak to one of our licensed insurance specialist.

Appointment Form

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Medicare Solutions

 

At Medicare Solutions Partners, we offer the highest rated Centers for Medicare & Medicaid Services (CMS) star rating plans.  The CMS is part of the U.S. Department of Health and Human Services.  CMS oversees many federal healthcare programs.  Our primary focus is to inform you which are the best plans based on CMS  standards and allow you to choose the best plan for you.  Listed below are the various Medicare Solutions that your plan could or could not cover.  Be sure to speak to one of our licensed health insurance agents to help you select the best and the right plan for you.

Medicare Part A

Medicare Part A is sometimes called “Hospital Insurance.” In general, it covers inpatient care in hospitals, care in skilled nursing facilities, home health services, and hospice care. It can even help cover nursing home care (as long as it is not custodial or long-term care).

Medicare Part B

Medicare Part B generally covers two main types of service. The first is medically necessary services and supplies that are needed to treat or diagnose your medical condition. These must also meet accepted standards of medical practice. The second type of service that Medicare Part B covers is preventive services to help discover issues early when treatment is most likely to work best. For example, some shots and vaccines are covered.

Medicare Part C

Medicare Advantage plans allow you to receive your benefits from a private insurance company approved by Medicare. If you have Medicare Part A and Medicare Part B, you can receive your benefits from a Medicare Advantage plan.

Medicare Part D

Medicare Part D prescription drug coverage helps beneficiaries pay for covered prescription drugs bought at certain centers, including retail locations and pharmacies. This benefit could help reduce prescription drug costs significantly.

Medicare Advantage

Medicare Advantage plans may offer additional benefits that may not be available through Medicare Parts A and B. Medicare Advantage plans are offered through private insurance companies and can be customized for your own unique needs. There are different types of Medicare Advantage plans: Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNP), Medicare Medical Savings Account Plans (MSA) and HMO Point of Service Plans (HMOPOS).

Medicare Supplement

Medigap is Medicare supplement insurance, which can help pay for health care costs that Medicare Parts A and B don’t cover. You will usually have to have Medicare Part A and Part B to buy a  Medigap policy. 

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Medicare Prescription Drug Plans

Each Medicare drug plan is required to give at least a standard level of coverage set by Medicare. The Medicare Prescription Drug Plans can vary the list of prescription drugs they cover (called a formulary) and how they place drugs into different “tiers” on their formularies.

The majority of  Medicare drug plans have their own list of covered drugs, called a formulary. Plans cover both generic and brand-name prescription drugs. The formulary includes at least 2 drugs in the most commonly prescribed categories and classes. This helps make sure that people with different medical conditions can get the prescription drugs they need. All Medicare drug plans generally must cover at least 2 drugs per drug category, but plans can choose which specific drugs they cover.

 

The formulary might not include a specific drug you use. However, in most cases, a similar drug should be available. If you or your prescriber (your doctor or other health care provider who’s legally allowed to write prescriptions) believes none of the drugs on your plan’s formulary will work for your condition, you can ask for an Exception.

A Medicare drug plan can make some changes to its drug list during the year if it follows guidelines set by Medicare. Your plan may change its drug list during the year because drug therapies change, new drugs are released, or new medical information becomes available.

Plans may immediately remove drugs from their formularies after the Food and Drug Administration (FDA) considers them unsafe or if their manufacturer removes them from the market. If you’re currently taking these drugs, you’ll get information about the specific changes made afterwards.

Medicare Solutions

At Medicare Solutions Partners we offer eight 5 Star Plans for Medicare, which are the following: 1) Careplus Health Plans, Inc.; 2) Florida Blue HMO; 3) Healthspring of florida, Inc.; 4) Healthsun Health Plans, Inc.; 5) Capital Health Plan; 6) Freedom Health Plan; 7) Optimum Healthcare, Inc.; 8) Ultimate Health Plans.

Medicare Eligibility

It’s important to know when you’re eligible for Medicare and what to do if you are.

Well Experienced Doctors in Your Plan

Find a provider for Medicare Advantage Plans with a provider network.

What Are the Cost of Prescriptions

Estimate your drug costs for plans with Part D coverage for prescription drugs.

Our Services

Medicare

Generally, a medicare health plan is offered by a private company and is contracted to provide Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) benefits.
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Medicare Advantage

Medicare Advantage Plans provide all of your Part A and Part B benefits. It also includes or offers a Health Maintenance Organizations (HMO’s), Preferred Provider Organizations (PPO’s), Private Fee-for -Service Plans, Special Needs Plans and Medicare Medical Savings Account Plans.
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Medicare Supplement Plans

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original medicare doesn’t cover, such as Copayments, Coinsurance and Deductibles.

Prescription Drugs

Each Medicare Prescription Drug plan must give at least a standard level of coverage setg by Medicare.  Plans can vary with the list of prescription drugs they cover, which is called a formulary and how they p0lace drugs into different “tiers” on their formularies. Each provider will usually provide a list of covered prescriptions drugs, generic drugs and tiers.

Dental Plans

We Offer Dental Plans That Make You Smille.  A healthy smile is an important part of your overall health and wellness plan.  If you’re searching for a dental plan to protect your smile, then Medicare Solutions Partner gives flexible options to fit your needs with the freedom to choose any provider and with no health questions on the application. You can select a General Dentist, Endodontics, Oral Surgery, Orthodontics, Periodontics, and Prostohodontic. You can choose from simple dental only plans to comprehensive dental protection with vision and hearing benefits.

Testimonials

News & Events

What’s New for Medicare in 2019

 

Medicare Solutions Partner informs us that Medicare has rate changes and plan changes every year, some of the changes like the expansion of the diabetes prevention program are narrow and impact a subset of Medicare beneficiaries, while other changes like the addition of the Medicare Advantage Open Enrollment Period impact a larger group of Medicare beneficiaries. Regardless of how big or small the change are, as Medicare beneficiary it’s important to stay up-to-date. Here’s what you should expect in 2019.

Increased Medicare costs

2019 Medicare Part A and Part B cost-Service, 2018 costs, 2019 Part A premium < 7.5 years $ 422 $ 437 7.5 - 10 years $ 232 $ 240 Hospital deductible $ 1,340 $ 1,364 Hospital copayment 61-90 days $ 335 $ 341 91-150 days $ 670 $ 682 Skilled Nursing facility copay $ 167.50 $ 170.50 Part B premium $ 134 $ 135.50 Part B deductible $ 183 $ 185

There will be various increases across the board for Medicare Parts A & B, including a 3 – 4% increase in Part A premiums, a 2% increase in the Part A deductible and copayments, and a 1% increase in Part B’s deductible and premium.

New Enrollment Periods

2019 will mark the return of an Medicare Advantage Open Enrollment Period (MA OEP) which provides additional opportunities to change your Medicare Advantage plan outside the Annual Election/Open Enrollment Period (October 15 – December 7). The annual Medicare Advantage Open Enrollment Period (MA OEP), which runs from January 1 to March 31 allows anyone enrolled in a Medicare Advantage plan on January 1 the opportunity to change plans.

There is also an individualized Medicare Advantage Open Enrollment Period that’s limited to new Medicare beneficiaries with both Medicare Part A and B. These individuals have a three-month MA OEP to switch plans. Both the individual and the annual Medicare Advantage Open Enrollment Period allow Medicare beneficiaries already enrolled in a Medicare Advantage plan a one-time election or opportunity to either:

 

  • Switch to a different MA plan, OR
  • Switch from a Medicare Advantage plan to Original Medicare and a standalone Part D plan.

Medicare also added and made changes to several other special enrollment periods that you could learn more about in the National Council on Aging’s Medicare Advantage: Special Enrollment Periods fact sheet.

Enhanced Medicare Advantage Benefits

Medicare’s 2018 Open Enrollment Period marked the beginning of an ongoing changes to Medicare Advantage (MA) plans that include additional supplemental benefits designed to diagnose, treat, or prevent health conditions. In the past, MA supplemental benefits were required to be “primarily health related” and typically related to dental, hearing or vision benefits. Now benefits can range from transportation services, meals deliveries, or even home and bathroom safety devices. These are just a few examples of the services that were added to plans during the open enrollment period. Expect for more MA plans to be offering these services and more in 2019 and beyond.

Opioid prescription limitations

More than 17% of Americans had at least one opioid prescription filled in 2017 and it’s estimated that about 25% of them misused the medication. The opioid epidemic is impacting millions of lives every year, so preventive measures are being put in place on all fronts to reduce the impact. Medicare has joined the fight and created 3 new provisions that help identify and reduce the risk of older adults abusing opioids.

  • Opioid prescription limitations & checks for all Part D enrollees – requires Part D sponsors to limit initial opioid prescription fills for the treatment of acute pain to no more than a 7-day supply. Part D sponsors must also implement a flag at 90 MME (morphine milligram equivalent) per day, so when a beneficiary’s reaches that limit the pharmacist must consult with the prescriber, document the discussion, and if the prescriber confirms intent, use an override code that specifically states that the prescriber has been consulted.
  • Limitations on Part D enrollees considered “at risk” for prescription drug abuse – Part D plan sponsors must establish a drug management program for beneficiaries deemed at risk for prescription drug abuse. “At-risk beneficiaries” are identified as those that take a specific dosage of opioids and/or obtain them from multiple prescribers and multiple pharmacies. Plans may utilize a “lock in” provision to limit at-risk beneficiaries’ access to coverage of frequently abused drugs to a selected prescriber(s) and/pharmacy(ies) after case management with the prescribers and beneficiaries.
  • Limitation of the Part D Special Enrollment Period for LIS and dual eligibles – This rule changes the Special Enrollment Period (SEP) for dual eligibles and Part D Low Income Subsidy (LIS) beneficiaries from monthly to quarterly during the first nine months of the year.

Part B step therapy

Medicare Advantage plans now have the option of applying step therapy for physician administered and other Part B drugs. Medicare Part B’s step therapy requires enrollees to try one or more similar, lower cost drugs to treat their condition before the plan covers a higher priced medication. Plans requiring step therapy must offer drug management care coordination programs. Incentives such as gift cards may be offered to encourage participation in beneficiary engagement programs.

 

You can expect all of these changes to take effect January 1, 2019, but don’t worry, you’re not alone in figuring out all this information. We’ll have several blog posts in the new year expanding on most of these topics. As always, we plan to keep you updated on all things Medicare. Happy New Year!