FLOIR medigap-faqs-2026.pdfAgent Comment: This educational consumer guide from the Florida Office of Insurance Regulation outlines vital regulatory protections for Medicare beneficiaries. In particular, Question #8 regarding Guaranteed Issue rights and trial periods covers critical rules that dictate when a carrier must accept an enrollment without underwriting. Because state regulations and network trial timelines are highly precise, it is incredibly important to review these guidelines with a licensed professional to ensure your core benefits remain permanently protected.
Carriers Represented (Medicare Advantage & Medicare Supplement Plans)
I am licensed to represent and assist you with Medicare Advantage (Part C), Prescription Drug (Part D), and Medicare Supplement (Medigap) plans from the following insurance companies:
Aetna Medicare & Aetna Signature Medicare Supplement – Comprehensive regional networks offering HMO and PPO plans with bundled prescription drug coverage, alongside Aetna Signature Medicare Supplement policies (insured by Aetna Health and Life Insurance Company) providing robust, standardized Medigap Plan G, Plan N, and High-Deductible protection options.
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).
Humana – Highly recognized, broad consumer network footprint offering diverse HMO and PPO plans emphasizing dedicated wellness guidance and competitive supplemental rewards, alongside dependable, standardized Medicare Supplement options.
Cigna Healthcare / HealthSpring – Coordinated care networks designed to manage and optimize your personalized healthcare goals.
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 Info@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. Medicare Supplement policies are subject to state regulatory parameters and underwriting rules.
Aetna: Aetna Medicare is an HMO, PPO plan with a Medicare contract. Enrollment in Aetna Medicare depends on contract renewal. Medicare Supplement plans are underwritten by Aetna Health and Life Insurance Company (AHLIC).
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.
Humana: Humana is a Coordinated Care HMO and PPO organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. Humana Medicare Supplement plans are underwritten by Humana Insurance Company.
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.
Page updated
Report abuse