Medicare Enrollment for 2018, Medicare Information and Medicare Assistance & … Click to Learn More
We are the Local Independent Insurance Agency
serving Tampa Bay for over 16 years with A-Rated Insurance at Reasonable Prices
Artisan Insurance Team — Dedicated to Protecting Families
Our Team Protects Families – We do the extra-effort for the Best Tampa Insurance Services
Call us today for:
Health, Medicare or Life Insurance
to Save Money and Time
We have a Track Record of Delivering the Right Insurance
Artisan Insurance Group is an independent insurance agency. Richard Vazquez founded the agency on a philosophy of helping people with their insurance needs. We have been in Brandon for over 20 years with a great reputation (take a look at our Facebook Review Page) for solving insurance problems with quality insurance products at a reasonable price. Our team of experienced professionals are experts and use a variety of A-rated insurance companies to protect families as a priority.
We Seek to Understand Your Needs before Developing a Solution
Our first step is to understand your insurance needs and your financial goals. Our first priority is to seek and analyze “A” rated insurance policies with the proper coverage to meet your needs. Also, we know the best insurance must fit your budget and pay out when you need it with no if’s or but’s to prevent your claim. We offer the right insurance that is practical for your Florida life style. To get started and have us understand your needs, click on I Need A Policy. We will work with you to get the policy that best fits your needs, even if it means, we don’t get your insurance business. “Doing right for our clients!” that means more to Artisan Insurance than selling a policy. Learn more about us, click on “About Artisan Insurance”.
The Right Insurance to Protect against Loss
Today, every family needs an insurance expert to guide them through the complexity of choosing the correct policy to protect them at the lowest cost possible. Getting this consultation cannot be overstated and is essential for families to acquire the fiduciary instruments to compensate for loss and make them financially whole again in case of disaster or ill-fated circumstances. Insurance provides protection for families.
The Wrong Insurance can Cost You More
Bad things can happen to good people. Without the appropriate insurance, the extreme result can be bankrupt or the loss of everything you own. Our Artisan Insurance Team has the expertise and knowledge to assist you by providing indispensable information to select a right policy to solve your pressing insurance issues. For any stage of your life, whether you’re a young family starting out in life or retired, Artisan can help find the insurance you need. Call us for a complimentary consultation to talk with one of our experts.
Looking for Medicare Answers - We are the Trusted Source to Help You
We Provides Free Expert Assistance for Medicare & Medicare Insurance
Call Artisan Insurance Group (813) 654-8472 or click on our Medicare Assistance and Consultation online form to get answers to all your Medicare Questions. We are ready to assist you in Medicare Enrollment and helping you select the best Medicare Supplement and Medicare Advantage Insurance Policy to fit your health needs.
Medicare Open Enrollment for 2018 begins October 15, 2017
This open enrollment period may allows you to Get More from Medicare. To learn more about the benefits of changing plans, click on Medicare Open Enrollment
Our clients contact us because Medicare only covers 80% of Part B expenses and for Part D drug coverage.
We can save you money with your medical expenses from full featured plans with comprehensive coverage to plans with zero plan premiums.
We can explain your Medicare Options in plain English or Spanish. Let us help you by answering your Medicare questions and providing details important to you about:
- Medicare Supplement Insurance Plans
- Medicare Advantage Insurance Plans
- Medicare Part D Prescription Insurance Plans
With 16 years experience with insurance in Tampa Bay, We Can Help! - Call Artisan Insurance Group (813) 654-8472 or complete our online Medicare Assistance form. Make an appointment to visit our Brandon Office to discuss your Medicare Situation and Options with an expert.
Medicare Frequently Asked Questions
Health Insurance Talk for Seniors Made Easy
Medicare Supplement insurance policies (or Medigap) are sold by private companies. These plans can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. Supplements may also offer coverage for services that Original Medicare doesn't cover. Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance."
Insurance companies can sell you only a "standardized" policy identified in most states by letters (like Medigap Plan A, C or F and more). For example, all Plan F and Plan C Medigap policies cover skilled nursing facility care coinsurance. However, a Medigap Plan A does not provide that supplemental coverage. Some of the Medigap supplemental policies also cover 80% of foreign travel exchange (up to plan limits). Even though coverage is “standardized” across insurance carriers, the price for these plans can vary from company to company. If you’re considering a standardized Medicare supplement, you should work with an independent agent to find the best Medigap supplemental policy for your needs, while taking customer service and price into consideration.
Some Medigap policies sold in the past covered prescription drugs, but standardized Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, and you’re on Original Medicare you should strongly consider adding a Medicare Prescription Drug Plan (Part D) as soon as you are eligible.
The “best” Medicare Supplement plan (Medigap) may be different for each person. One of the most popular, most comprehensive, and most costly supplements is Medigap Plan F. This plan is scheduled to phase out in the year 2020. Your independent insurance agent can assist you in selecting the right supplement for your needs and find your own “best” option.
Types of Medicare Advantage Plans, where available, may vary from county to county within each state. There may be several companies to choose from. The different types of Medicare Advantage plans are:
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- Private Fee-for-Service (PFFS) Plans
- Special Needs Plans (SNPs)
- HMO Point of Service (HMOPOS) Plans: An HMO Plan that may allow you to get some services out-of-network for a higher cost.
- Medical Savings Account (MSA) Plans: A plan that combines a high deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year.
If you’re eligible or receiving both Medicare Part A and Medicare Part B, you qualify for Medicare Advantage plans offered in your area. Specific enrollment periods apply.
If you have other coverage, such as through a work plan or TRICARE, you should consider your options carefully before making any changes. For example, a company plan may offer coverage to retirees that meets or exceeds requirements for “creditable coverage” under Medicare rules. To remain on TRICARE for Life after age 65, eligible members generally must pay a Medicare Part B premium.
You may be charged an ongoing penalty if you don’t obtain creditable drug coverage as soon as you are eligible for Medicare. The late enrollment penalty is an amount added to your Medicare Part D monthly premium. You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your Initial Enrollment Period is over, you go without one of these:
- A Medicare Prescription Drug Plan (Part D)
- A Medicare Advantage Plan (Part C) (like an HMO or PPO)
- Another Medicare health plan that offers Medicare prescription drug coverage
- Creditable prescription drug coverage
Yes, but make sure it has creditable coverage so that you aren’t penalized later. Social Security also has a quick enrollment that allows you to apply for Medicare ONLY, and delay other Social Security benefits for people still working.
Yes, you can APPLY at any time, but you may not be accepted by the insurance carrier. It’s IMPORTANT to note that your acceptance is guaranteed on your choice of supplements available to you during a specific period 3 months before the month you turn 65, through the 3 months following your birth month. You may apply for supplements outside this window, but you may not be accepted. It’s important to take advantage of this window of opportunity that is only available once in your lifetime.
If you have TRICARE and are turning 65, then you will need to pay the Part B premium to stay on TRICARE for Life. Usually, TRICARE becomes the second payer after Medicare. If you have employer-sponsored group coverage, you can delay your Part B coverage, however, you won’t have TRICARE coverage if you don’t have Medicare Part B.
We highly encourage you to talk with a reputable agent if someone is recommending that you exchange your TRICARE for a Medicare Advantage plan. Don’t make changes that affect your TRICARE benefits.
People who qualify for both Medicare and Medicaid may receive additional assistance in paying their Medicare premiums. If you have special health needs or are eligible for both Medicare and Medicaid, we recommend working with an independent agent who can assist in obtaining a plan that meets your specific needs.
Medicare doesn't cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you're in a hospital. Part A can pay for if you need to have emergency or complicated dental procedures, even though the dental care isn't covered. Your independent agency can assist you with a range of dental insurance and discount plans for your dental health needs year-round.
Medicare doesn't cover routine eye exams (sometimes called "eye refractions") for eyeglasses or contact lenses. Medicare Part B (Medical Insurance) covers some preventive and diagnostic eye exams:
Tampa Bay’s Local Independent Insurance Agency
We solve real insurance problems that deal with your most important assets (Health, Home, and Life) to help you achieve a better quality of life.