If you've received an invitation to a MASA seminar in Southwest Florida, your first question was probably: "What's the catch?" It's a fair question. When someone says "free lunch" or "free dinner," most Florida seniors have learned to be skeptical.

Here's the honest answer: Yes, the MASA seminar is genuinely free. No hidden fees. No mandatory purchase. No high-pressure sales tactics. Just straightforward education about a coverage gap that affects nearly every Medicare beneficiary in Florida.

What Exactly Is a MASA Seminar?

MASA stands for Medical Air Services Association — a membership program that covers emergency ground and air ambulance transportation costs that Medicare and most supplement plans don't fully pay.

The seminars are educational events hosted by licensed insurance agents like XactInsure to help Florida seniors understand why Medicare only covers 80% of approved ambulance costs, what the average air ambulance bill looks like ($30,000–$50,000+), how MASA membership fills that gap, and what the enrollment process looks like.

The short version

You come, you eat, you learn. There's no obligation to buy anything at the seminar. Most attendees leave with a clearer picture of their coverage.

What You'll Learn at the Seminar

1. The Medicare Ambulance Gap

Medicare Part B covers ambulance services, but only 80% of the Medicare-approved amount — after your deductible. If your supplement plan doesn't cover the remaining 20%, you're on the hook. For an air ambulance, that 20% can easily exceed $10,000.

2. What MASA Membership Covers

MASA Emergency Shield Plus membership covers air ambulance transport nationwide, ground ambulance transport, medical repatriation if you're hospitalized away from home, vehicle return assistance, and hospital-to-hospital transfers.

The Numbers That Surprise People Most

$32K
Avg air ambulance bill
80%
Medicare covers (best case)
$6K+
Potential out-of-pocket

Is There Any Pressure to Buy?

No. XactInsure seminars are education-first events. Our goal is to make sure you understand your options — not to pressure you into a purchase. That decision is always yours to make.

Who Should Attend?

These seminars are designed for Medicare beneficiaries in Lee, Collier, or Charlotte County, seniors who want to understand what Medicare doesn't cover, anyone who has received a large ambulance bill, and snowbirds who travel regularly.

Reserve Your Seat at a Free MASA Seminar

Limited seating available. No purchase required. Just bring your questions.

View Upcoming Seminars

Still have questions? Book a free one-on-one consultation with an XactInsure advisor.