Why Snowbirds Should Consider Humana Full Access PPO for Medicare Coverage in Florida

Introduction

Florida is a popular destination for snowbirds—those who migrate to warmer climates during the winter months. If you're a snowbird spending at least one month in Florida, and are maintaining a permanent residence, it's essential to consider your Medicare coverage options. One of the most popular choices available is the Humana Full Access Giveback PPO, which offers extensive benefits and flexibility that surpasses coverage in many other states.

Why Change Your Medicare Coverage to Humana Full Access PPO?

1. Flexibility to Travel: The Humana Full Access PPO allows you to be outside of the service area for up to 12 months. This is perfect for snowbirds who split their time between Florida and another state. You can receive care from any Medicare-approved doctor, whether in or out of Humana's network, without needing a referral.

2. Comprehensive Coverage: Humana Full Access PPO plans include all the benefits of Medicare Parts A and B, and many plans also cover prescription drugs. Additionally, these plans often provide extra benefits such as dental, vision, and hearing coverage.

3. Cost Savings: Florida does not tax Social Security income, making it a tax-friendly state for retirees. By updating your Social Security address to Florida, you can take advantage of this benefit without needing to be an official resident.

4. Nationwide Access: With the travel benefit, you can access doctors across all 50 states as long as they accept Medicare. Florida offers some of the best healthcare facilities and services in the nation, and with Humana Full Access PPO, you can access top-tier medical care while enjoying the flexibility to travel.

Common Misbelief

There is a common misbelief that you have to be an official state resident or live in Florida for 6 months and 1 day to change your Medicare coverage. However, this is not the case. As long as you are a permanent resident that can be proved through paying utility bills throughout the year, then you are eligible to have a plan in that area. You can update your Social Security address to Florida and take advantage of the benefits without needing to meet these residency requirements. Here is a great video by SSA on how to update your address: video

How to Change Your Medicare Coverage

Changing your Medicare coverage to Humana Full Access PPO is straightforward. You can enroll in a Medicare Advantage plan during the annual enrollment period or special enrollment periods if you qualify. Here are the steps:

1. Contact Me: Contact me to help compare your current plan to the plans that we offer in your Florida county.

2. Informed Decision: After reviewing your options, make an informed decision on what plan will work best for you and help you save money.

3. Update Your Address: Ensure your Social Security address is updated to your Florida address. This can be done online through your mySocialSecurity account.

Conclusion

For snowbirds spending time in Florida, switching to Humana Full Access PPO for Medicare coverage offers unparalleled benefits and flexibility. With comprehensive coverage, cost savings, and superior healthcare options, it's a smart choice for those looking to make the most of their time in the Sunshine State.

Update

Several people have asked for additional confirmation that this strategy is fully compliant with Medicare regulations. To address this, I’ve documented the specific Medicare laws and highlighted the relevant sections within the Evidence of Coverage for this particular plan.

Documentation

Medicare Plan Review

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