Turning 65 is an exciting milestone that brings new opportunities, including eligibility for Medicare. If having the freedom to choose any doctor, hospital, or facility that accepts Medicare nationwide is important to you, consider the “3-card setup.” This approach involves:
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Retaining Your Original Medicare Card (Part A and Part B)
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Purchasing a Florida Blue Medicare Supplement Plan (Plan G)
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Enrolling in the Florida Blue Premier Rx Prescription Drug Plan
Understanding the 3-Card Setup
1. Original Medicare (Part A and Part B):
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Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.
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Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
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With Original Medicare, you can see any doctor or hospital in the U.S. that accepts Medicare.
2. Florida Blue Medicare Supplement Plan G:
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Comprehensive Coverage: Plan G is one of the most extensive Medigap plans available, covering most out-of-pocket costs not paid by Original Medicare, except for the Part B deductible.
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Key Benefits:
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Medicare Part A Coinsurance and Hospital Costs: Covers coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted.
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Medicare Part B Coinsurance or Copayment: Covers the 20% coinsurance for outpatient services not paid by Medicare.
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Blood: Covers the first three pints of blood needed for a medical procedure.
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Part A Hospice Care Coinsurance or Copayment: Covers hospice care costs.
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Skilled Nursing Facility Care Coinsurance: Helps pay for coinsurance costs associated with skilled nursing facility care.
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Medicare Part A Deductible: Covers the deductible for Part A hospital services.
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Medicare Part B Excess Charges: Covers the difference if a doctor charges more than Medicare-approved amounts.
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Foreign Travel Emergency: Provides coverage for emergency medical care during foreign travel (up to plan limits).
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Nationwide Access: No network restrictions—you can visit any provider that accepts Medicare without referrals.
3. Florida Blue Premier Rx Prescription Drug Plan:
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Extensive Medication Coverage: Offers comprehensive coverage for prescription drugs, helping to manage and reduce medication costs.
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Wide Pharmacy Network: Access to a broad network of pharmacies, including mail-order options for convenience.
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Formulary Inclusivity: Covers a wide range of medications to meet diverse health needs.
Alternative Option: For those with extensive medication requirements, Florida Blue also offers the Complete Rx Plan which may provide enhanced coverage for high-cost or specialized medications.
Benefits of This Setup
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Freedom of Choice: See any doctor, hospital, or facility nationwide that accepts Medicare without worrying about network limitations.
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Predictable Healthcare Costs: Medigap Plan G minimizes unexpected out-of-pocket expenses, offering financial peace of mind.
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Comprehensive Coverage: Combined, these plans cover most healthcare costs, reducing the risk of significant medical bills.
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Flexibility: Ideal for travelers or those splitting time between different states, ensuring consistent coverage everywhere in the U.S.
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Enhanced Prescription Coverage: The Premier Rx Plan helps manage prescription costs effectively, important for maintaining health on a fixed income.
Why Choose This Setup When Turning 65
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Maximized Benefits: You receive the robust coverage of Original Medicare enhanced by Medigap Plan G and comprehensive drug coverage through the Premier Rx Plan.
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Simplicity: Manage your healthcare with ease using three coordinated cards, each serving a specific purpose.
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No Referrals Needed: Access specialists directly without the need for primary care referrals.
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Nationwide Coverage: Maintain consistent healthcare access regardless of where you are in the country.
The Fuller Insurance Health Team Recommendation
Our team highly recommends the Medicare Supplement Plan G due to its extensive coverage and value for those seeking comprehensive healthcare options. We’re committed to helping you navigate your Medicare choices with personalized assistance tailored to your needs.
We’re Here to Help
Navigating Medicare can be complex, but you don’t have to do it alone. The Fuller Insurance Team is here to provide detailed explanations and guide you through the enrollment process. We offer assistance:
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In Person
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By Phone
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Through Online Web Meetings
Contact Us Today
Ensure you have the coverage that best fits your lifestyle and healthcare needs. Reach out to the Fuller Insurance Team to explore your options and secure your healthcare future.
Please note: Plan details and availability are subject to change annually. It’s essential to review the most current information for the 2025 plan year.
Medicare & You Handbook
