Medicare Advantage Plans St. Augustine, FL
Welcome!
Today, we’re sharing important insights about Medicare Advantage Plans in St. Augustine, FL. If you’re new to Medicare, or just beginning to compare your coverage options, this guide will help you understand how Medicare Advantage works, what types of plans are available in St. Augustine, and how Medicare Advocates can support you in finding the right health insurance.
Key Medicare Terms You Should Know
- Medicare Beneficiary – recipients of Medicare, likely you.
- Original Medicare – Federal Medicare program including Medicare Part A (hospital) and Part B (medical).
- Medicare Advantage Plans (Part C) – Insurance coverage by private companies that bundle your parts A and B, often part D, and other benefits at no extra cost to you.
- Medicare Supplement Plans (Medigap) – Supplemental coverage to Original Medicare, which helps pay for some of your costs or additional coverage.
- Medicare Part D (Prescription Drug Coverage) – Covers prescription drugs. Most Advantage plans include Part D, but if you choose a Medicare Supplement, you’ll need to purchase a stand-alone Part D plan.
- Star Ratings – Medicare assigns plans a 1–5 star rating based on quality and performance.
- Health Maintenance Organization (HMO) Plan – A type of Medicare Advantage Plan that often boasts lower out-of-pocket costs, but requires you use in-network providers (except in emergencies) and referrals for specialist care.
- Preferred Provider Organization (PPO) Plan – A More provider flexibility, including some out-of-network coverage. Higher out-of-pocket maximums compared to HMO plans.
- Special Needs Plans (SNPs) – Designed for individuals with specific conditions or eligibility. There are 3 types of SNPs, D-SNPs (Dual-eligible Special Needs Plans) for those who qualify for both Medicare and Medicaid, C-SNPs (Chronic Special Needs Plans), for those who need extra care for chronic conditions, or I-SNPs (Institutional Special Needs Plans), for those who need long-term care or caregivers.
Medicare Advantage Plans in St. Augustine, FL
According to Medicare’s database, there are 63 Medicare Advantage Plans available in St. Augustine, FL, offered by 9 different insurance carriers.
Carriers available in St. Augustine include:
- Aetna Medicare
- CarePlus Health Plans, Inc.
- Devoted Health
- Florida Blue
- Florida Blue HMO
- Humana
- Simply Healthcare / SimplyHealthcare Plans, Inc.
- UnitedHealthcare
- WellCare
Of the 63 available plans:
- 40 plans are rated 4 stars or higher
- 55 plans include drug coverage
- 60 plans include dental, vision, and hearing (33 of these also include transportation and fitness benefits)
- 41 HMO plans and 22 PPO plans
- 18 D-SNP plans (for those with both Medicare and Medicaid)
- 5 C-SNP plans (for individuals with chronic conditions)
- 14 stand-alone Part D prescription drug plans
What are my expected costs?
Costs will vary depending on your Medicare coverage. A majority of these plans have no monthly premium associated with them. Annual deductibles range from $500 on a D-SNP plan to $10,100 on a PPO Plan with out-of-network care. The best way to know what you might expect to pay is to speak to a Medicare Advocate. Discuss with them your doctors, prescriptions, and other care needs, and we can match you with the plan that covers you. Our advocacy extends from your health to your annual savings.
How to Choose the Right Plan
There is no single “best” Medicare Advantage plan. The right plan depends on:
- Which doctors and hospitals you want access to
- Your prescription drug needs
- Your budget for premiums and copays
- Whether you want extra benefits like dental, vision, hearing, transportation, or fitness
At Medicare Advocates, our licensed agents compare all available options side by side, helping you find the plan that best fits your healthcare needs and financial situation.
How to Apply for Medicare Advantage Plans
You have several options when applying for coverage:
- Work with an independent Medicare broker (like Medicare Advocates in St. Augustine, FL) who can compare multiple carriers for you.
- Enroll directly with an insurance company, though this limits your ability to compare.
- Apply through Medicare directly on medicare.gov
Working with a trusted, independent resource like Medicare Advocates ensures you see all your choices, not just one company’s plans.
Medicare Supplement (Medigap) Plans in St. Augustine, FL
If you prefer Medicare Supplement coverage, the most common options are Plan G and Plan N. These plans are standardized, meaning benefits are identical across carriers. Typically, the only difference is the monthly premium. This makes it especially important to compare rates before enrolling. Often, Medicare Supplement covers what you would pay for healthcare services or the cost of your insurance coverage.
Why Work With Medicare Advocates St. Augustine, FL?
Choosing a Medicare plan can feel overwhelming, but you don’t have to go through the process alone. Our team at Medicare Advocates is here to guide you through every step, from comparing plans to enrollment. We provide unbiased, personalized recommendations so you can make the best choice for your healthcare and your budget.
Next Step: Call Medicare Advocates St. Augustine, FL today for a free consultation to find the best Medicare Plan for your needs.
