Mark, I am a licensed agent, but not licensed in Florida so not looking any benefit except to give you facts versus the information you are receiving which is not in your best interest. Medicare is very complicated and quite hard to understand and many people make decisions that is based on their perception and understanding, but in many cases is not correct. First, the person who advised you to buy the cheapest Plan F is exactly correct. Every Plan F is the same because the Medicare requires that every Plan F provide the exact same coverage, no exceptions from one carrier to another allowed. You only have a few decisions to make when choosing which insurance carrier you choose. What is their financial strength and all of the carriers approved in Florida are financial stable because the Fl Insurance Commissioner makes sure of that and all of the approved ones are. So what should you consider in making your decision, lowest cost and what has their premium increases been in the last five years. Based on premium increases, the last company I would even consider is BCBS of Florida. Not a personal bias, just the facts. United Health Care is a good company and AARP highly recommends, but if you read the fine print of AARP, you will find that they are supplementing the premium and it will increase in a few years to a higher premium than other insurance companies. REMEMEBER what I said above, all the benefits are exactly the same with all carriers. I recommend that you go to the Fla Dept of Insurance website and look at the approved carriers in Florida and choose and call the lowest two or three carriers and ask them what their rate increases have been for the last five years. Once you get this information, you will have what you need to make your decision. If you want to send me a private message, I will respond. I was hesitant to even respond to you because I will probably get a scolding from other people who read this, but I hate to see people make a decision on one of the most important decisions they have to make based on misinformation, not that the individuals offering it do not have good intentions, just bad facts and understanding. You only get one shot at 65 to make decision with no preexisting conditions or underwriting, so make sure it is a good one. I am 65 and have a Plan F so had to make that decision. Did not choose either Fla Blue or United Health Care.
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