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We understand the importance of making informed decisions when it comes to your healthcare. Our mission is to provide you with comprehensive information and resources to navigate the complexities of Medicare, ensuring you have the tools to make choices that align with your health and well-being.
Life Protected Insurance Services operates in compliance with all relevant Florida state laws and regulations governing the sale and provision of insurance products. Our policies and practices are designed to adhere to the standards set by the Florida Office of Insurance Regulation. We offer a range of insurance products, including Term Life Insurance, Whole Life Insurance, Disability Insurance, and Medicare Supplement Insurance. Each type of insurance has specific terms, conditions, and exclusions that are outlined in the individual policy documents. All agents representing Life Protected Insurance Services in Florida are licensed by the Florida Department of Financial Services. They are qualified to provide information and assistance regarding our insurance products. Please read your insurance policy documents carefully. They contain essential information about coverage limits, premiums, exclusions, and your obligations as a policyholder. For any questions or clarifications, you can contact our customer service department. Premium payments are due as specified in your policy documents. Failure to pay premiums on time may result in the lapse or termination of your insurance coverage. We offer multiple payment options for your convenience. To file a claim, follow the instructions provided in your policy documents. You can also contact carrier claims department for assistance. The carriers strive to process claims promptly and fairly, in accordance with Florida state regulations. We are committed to protecting your privacy. Any personal information collected during the application or claims process is handled in accordance with our privacy policy, which complies with state and federal regulations. Insurance Fraud: It is a crime to provide false or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. Policy Changes: Any changes to your policy, including coverage adjustments, must be requested in writing and approved by the insurance company. Unauthorized changes are not valid. Thank you for choosing Life Protected Insurance Services. We provide you with reliable insurance products and excellent customer service. As a Florida insurance consumer, you have certain rights, including the right to receive clear information about your insurance coverage and the right to appeal claim decisions. For more information on your rights, you can contact the Florida Department of Financial Services or visit their website. You have the right to cancel your insurance policy within a specified period, as outlined in your policy documents, for a full refund of any premiums paid. After this period, the terms for cancellation and any potential refunds are detailed in the policy. For any questions, assistance, or to file a complaint, please contact our customer service department: Life Protected Insurance Services, LLC Phone: 1-888-286-9817 Email: support@life-protected.com Address: 4319 E 7th Ave Tampa, FL 33605
By clicking the Get Started button, I expressly consent by electronic signature to receive communications by telephone, by email, or by text message from Life Protected Insurance Services LLC at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. Text HELP to 855-490-8228 for assistance or reply STOP or OUT to opt-out or unsubscribe at any time.
I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions.
• Medicare Part A: Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.
• Medicare Part B: Covers outpatient care, doctor's services, preventive services, and some medical supplies.
• Medicare Part C (Medicare Advantage): Offers an alternative to Original Medicare (Parts A and B) and includes coverage for hospital (Part A) and medical (Part B) services, often with additional benefits such as prescription drug coverage (Part D), dental, vision, and wellness programs.
• Medicare Part D: Provides prescription drug coverage for Medicare beneficiaries.
The initial enrollment period begins three months prior to your birthday, the month of your birthday, and three months after your birthday. If you miss this seven-month window, you may have to wait for the Fall Open Enrollment Period which lasts from October 15 to December 7th each year.
The general enrollment period is for those already enrolled in a Medicare Advantage plan and is from January 1 to March 31. During this time, you can either change Medicare Advantage plans or switch to Original Medicare. Coverage begins the month after you sign up for the GEP.
If you delay signing up for Medicare, you may incur a late penalty adding 10% to your monthly Part B premium for every 12 months you wait. You can avoid the penalty if you’re still working and have health insurance based on that job. It is best to speak to a Medicare Specialist so you can avoid paying higher premiums.
Most people do not pay a premium for Medicare Part A if they or their spouse have paid Medicare taxes while working. There's no limit on out-of-pocket costs in Medicare (Part A and Part B). Medigap plans can help reduce the burden of out-of-pocket costs.
Medicare Part B and Part D have monthly premiums, deductibles, and co-payments.
Medicare Advantage plans may have additional premiums, deductibles, and co-payments, but they often include extra benefits not covered by Original Medicare. Medicare Advantage has a yearly limit on your out-of-pocket costs depending on your plan.
A Medigap policy is extra insurance from a private company that helps pay your out-of-pocket costs (such as your co-pay) for Original Medicare Part A and Part B. Policies are standardized and labeled A through N, and the basic benefits in each are the same. Most policies don't include prescription drug coverage.
Medicare Part B covers many preventive services, including annual wellness visits, flu shots, certain cancer screenings, and cardiovascular screenings.
By clicking the Get Started button, I expressly consent by electronic signature to receive communications by telephone, by email, or by text message from Life Protected Insurance Services LLC at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. Text HELP to 855-490-8228 for assistance or reply STOP or OUT to opt-out or unsubscribe at any time.
I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions.
By clicking the Get Started button, I expressly consent by electronic signature to receive communications by telephone, by email, or by text message from Life Protected Insurance Services LLC at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. Text HELP to 855-490-8228 for assistance or reply STOP or OUT to opt-out or unsubscribe at any time.
I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions.
By clicking the Get Started button, I expressly consent by electronic signature to receive communications by telephone, by email, or by text message from Life Protected Insurance Services LLC at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. Text HELP to 855-490-8228 for assistance or reply STOP or OUT to opt-out or unsubscribe at any time.
I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions.
By clicking the Get Started button, I expressly consent by electronic signature to receive communications by telephone, by email, or by text message from Life Protected Insurance Services LLC at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. Text HELP to 855-490-8228 for assistance or reply STOP or OUT to opt-out or unsubscribe at any time.
I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions.