Medicare
A Local Medicare Insurance Agent You Can Trust
What is Medicare?
Medicare Part A
Part A (Hospital Insurance):
Covers hospital stays, skilled nursing facilities, hospice, and home health care—typically premium-free if you or your spouse paid Medicare taxes while working.
Medicare Part B
Part B (Medical Insurance):
Helps with doctor visits, outpatient care, durable medical equipment, preventive services, vaccines, and annual wellness visits.
Medicare Part D
Part D (Drug coverage):
Covers prescription drugs either added to Original Medicare or included in most Medicare Advantage plans.
Your Coverage Options
Before choosing a plan, we want to be sure you know the difference between your many options; In particular, how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ.
Medicare Supplement (Medigap)
A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement, which pays their part. It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP).
Why choose this? Predictable costs, nationwide coverage, and freedom to visit any provider who accepts Medicare
MEDICARE ADVANTAGE PLANS
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. All-in-one coverage from private, Medicare-approved insurers. Includes Parts A, B, and usually D. Great for bundled benefits like dental, vision, or hearing. Rates and availability vary by region.
Standalone Part D Plans
Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary).
faq's
Q: When can I enroll or change plans?
A: You have an Initial Enrollment Period near your 65th birthday and Annual Election (Oct 15–Dec 7). You may qualify for Special Enrollment Periods if your situation changes.
Q: Can I change plans anytime?
A: Outside those periods, changes apply only under certain circumstances—like moving, losing coverage, or special qualifiers.
Q: Will a Medigap plan pay my Part B deductible?
A: Plan coverage varies. We’ll compare options that best suit your budget and coverage needs.
Q: Are services like dental, vision, hearing included?
A: Typically, only Medicare Advantage plans include these extras—Original Medicare does not.
Q: Can I stay with my own doctor?
A: With Original Medicare + Medigap and Part D, yes. With Advantage plans, choose one with in-network providers that fit your needs.
Q: Do you offer all plans in Florida?
A: We represent 11 major insurers and 75+ plans in your area. We’ll ensure you hear about every suitable option.
Disclosures
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Not affiliated with Medicare.gov, SSA, CMS, or HHS.
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Coverage varies by ZIP code; we can’t offer every plan.