Medicare Advantage Plans
Lee County Area
Disclaimer: " We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 27 products in your area." Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
medicare-101-2026-content-en.pptxJohn_Riker_medicare_flyer (1).pdfOfficial Medicare & Regulatory Resources
Visit Medicare Online: www.medicare.gov
Call Medicare Support: 1-800-MEDICARE (1-800-633-4227)
Find Free Local Counseling: State Health Insurance Assistance Program (SHIP) at www.shiphelp.org
Verify Insurance Licensing: National Association of Insurance Commissioners (NAIC) State Department Directory at content.naic.org
Carriers Represented (Medicare Advantage Plans)
I am licensed to represent and assist you with Medicare Advantage (Part C) and Prescription Drug (Part D) plans from the following insurance companies:
Aetna Medicare – Comprehensive regional networks offering HMO and PPO plans with bundled prescription drug coverage. (Note: Aetna Medicare Supplement plan options are featured on a separate section of this website).
UnitedHealthcare – Nationwide provider networks with robust ancillary dental, vision, and hearing benefits. (Note: UnitedHealthcare Medicare Supplement plan options are featured on a separate section of this website).
Cigna Healthcare / HealthSpring – Coordinated care networks designed to manage and optimize your personalized healthcare goals. (Note: Cigna HealthSpring Medicare Supplement plan options are featured on a separate section of this website).
SCAN Health Plan – Highly rated, not-for-profit Medicare Advantage plans focused on helping older adults stay independent.
Imperial Health Plan of California – Dedicated clinical networks managing coordinated outcomes throughout California.
Optimum HealthCare – Specialized HMO and chronic care infrastructure built extensively for regional beneficiary needs.
Freedom Health – Value-driven HMO and PPO plans boasting strong supplemental allowances and wellness benefits.
Devoted Health – All-in-one healthcare plans emphasizing dedicated clinical guidance and competitive personal allowances.
Wellcare Plans of Florida – Specialized prescription drug alignments and diverse network options under the Centene portfolio.
Wellpoint – Consumer-centric regional plans prioritizing accessible preventive care and deep local network partnerships.
Simply Healthcare – Regionally tailored plans offering specialized managed care benefits built around local provider choices.
Molina Healthcare – Focused managed care solutions specializing in high-utility, coordinated government-sponsored health benefits.
Required Compliance & Underwriting Disclosures
Agent Credentials: Serviced by licensed agent John Riker (NPN: 615671). For inquiries or policy service, please contact John.riker@fullfinancialagency.com.
State & Area Availability Notice: All insurance plans, product features, and carrier representations are strictly subject to the carrier being approved and the specific plan being approved for sale in the state of purchase. Benefits, premiums, copayments, and network availability vary by geographic area, state, and zip code.
Aetna: Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollment in Aetna Medicare depends on contract renewal.
UnitedHealthcare: Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.
Cigna Healthcare / HealthSpring: Cigna Healthcare is a Medicare Advantage organization with a Medicare contract. Enrollment in Cigna Healthcare depends on contract renewal.
SCAN Health Plan: SCAN Health Plan is an HMO plan with a Medicare contract. Enrollment in SCAN Health Plan depends on contract renewal.
Imperial Health Plan: Imperial Health Plan of California, Inc. is an HMO plan with a Medicare contract. Enrollment in Imperial Health Plan depends on contract renewal.
Optimum & Freedom Health: Optimum HealthCare, Inc. and Freedom Health, Inc. are HMO and PPO organizations with a Medicare contract. Enrollment depends on contract renewal.
Devoted Health: Devoted Health is an HMO and PPO plan with a Medicare contract. Enrollment in Devoted Health depends on contract renewal.
Wellcare: Wellcare plans are insured through WellCare Health Plans, Inc., a subsidiary of Centene Corporation, under a Medicare Advantage contract. Enrollment depends on contract renewal.
Wellpoint & Simply Healthcare: Wellpoint and Simply Healthcare health plans are Medicare Advantage organizations with Medicare contracts. Enrollment in these health plans depends on contract renewal.
Molina Healthcare: Molina Healthcare is a Health Plan with a Medicare contract. Enrollment in Molina Healthcare depends on contract renewal.
Solicitation Notice: This is a solicitation of insurance, and a licensed agent/producer may contact you
FLOIR medigap-faqs-2026.pdfNavigating Medicare Trial Rights, Florida’s Premium Trap, and the Rate Review Process
1. The Federal Safety Net: Medicare Advantage Trial Rights
Federal law protects Medicare beneficiaries who want to test the waters of a Medicare Advantage (Part C) plan, offering two distinct 12-month windows:
Federal Trial Right #1 (Turning 65): If you enroll in a Medicare Advantage plan when you first become eligible for Medicare at age 65, you have a 12-month trial period. If you change your mind within that first year, you can drop the plan, return to Original Medicare, and buy any standardized Medigap policy (such as Plan G or N) from any company in your state. The insurer cannot deny you coverage or charge you more based on your health history.
Federal Trial Right #2 (Switching from Medigap): If you already have a Medicare Supplement (Medigap) policy and drop it to try a Medicare Advantage plan for the very first time, you also get a 12-month trial period. If the plan does not fit your needs, you have the right to switch back to Original Medicare within that year. You are guaranteed the right to buy back your exact same Medigap policy from your previous insurance company (or a standardized alternative if your original policy is no longer sold). No health screenings or medical underwriting are allowed.
2. The Florida Exception: The "Issue-Age" Premium Trap
While federal law guarantees you can buy a policy back under Trial Right #2 without health screenings, it does not protect your previous premium rate in Florida. Florida law mandates that all Medigap policies use issue-age pricing, meaning your baseline premium is locked into the age you are when the contract is issued. Under this definition, your premium cannot increase simply because you have a birthday or get older.
However, if you drop a Medigap policy you bought at age 65, try Medicare Advantage ten years later, and then use Trial Right #2 to return to Medigap at age 75, you are treated as a brand-new applicant. The insurance company must legally take you back, but they will issue a completely new policy contract. Because your new "issue age" is 75, your baseline rate is re-calculated at that older bracket. As a result, your new monthly premium will be substantially higher than the rate you gave up. In Florida, "testing" Medicare Advantage later in life carries a severe, permanent financial penalty if you choose to return to a supplement.
3. How Premium Increases Actually Work in Florida (The OIR Process)
It is important to note that "issue-age" does not mean "fixed-for-life." While Florida policies cannot increase due to your personal aging, carriers can and do raise premiums for an entire class of policies to keep up with economic inflation, rising medical care costs, and overall group claims experience.
However, carriers cannot implement these hikes at will:
Mandatory State Approval: Before any rate increase can take effect, the insurance carrier must formally apply to the Florida Office of Insurance Regulation (OIR) and obtain explicit, legal approval.
A Lengthy Bureaucratic Process: The OIR review process is rigorous and highly time-consuming. State actuaries must thoroughly audit the carrier’s financial filings and historic loss ratios to ensure the requested increase is justified and not predatory.
Delayed Implementation: Because this administrative review takes months to finalize, a carrier's premium rates often lag significantly behind the actual real-time claims environment. Policyholders are shielded from sudden, erratic price spikes, but it also means that when an OIR-approved increase finally lands, it reflects cumulative data and losses built up over prior years.
There is not a one size feets all for medical insurance coverage. Insurance coverage helps to gain access to care and avoid costly gaps of out of pocket expenses and, lifetime penalties for not having prescription coverage. Your individual needs, location, preferred doctors, specialists, prescriptions, hospitals, primary care, urgent care, current health conditions, desires for new doctors, hospitals help an insurance specialist find the plans that more closely match your needs. No plan is #1 or best. No insurance will cover everything and, neither will Medicare. If you have assets, uncovered medical expenses from short term instances to long term periods, can devastate one's finances. The abilities to obtain food and safe housing are considerations- do you have or have you applied for Medicaid coverage and in what State. Do you have problems in a substantive way and been diagnosed by a medical professional with 2 of the following: eating, bathing, transferring yourself across a room or residence, dressing yourself, going to the bathroom and suffer chronic incontinence. Or, have you had any diagnoses of dementia or Alzheimer's?
A prerequisite for Medicare Advantage is that you be Enrolled in Part A (Hospital Insurance) and Part B (Medical Insurance) and that you continue to be enrolled in both. You also must permanently reside in the specific county or geographic service area covered by the plan. A strategic review of you and your loved one's coverage with a licensed professional can assist you in find options tailored to your needs.
The 8 Instrumental Activities of Daily Living
Managing Finances
Managing Medications
Transportation
Shopping
Meal preparation
Housework
Communication
Managing Technology
Freedom Health- Medicare Educational
John Riker Medicare 101 - Freedom Health 08272026.pptxPage updated
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