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 Plan complements original Medicare. Any caregiver that accepts Medicare will accept Medicare Supplement Plan, they only need to bill Medicare. MediGap plans, cover the gaps in 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 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”.
MAPD's are alternative to Original Medicare. All-in-one coverage from private, Medicare-approved insurers.
Includes hospital, medical and prescription coverage. Great for bundled benefits like dental, vision, or hearing. But are more restrictive than MediGap Plans.
Standalone Part D Plans
Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare and a MediGap.
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.
Income Related MONTHLY Adjustment Amount
- Income-Based Medicare Surcharge: extra charge added to your standard monthly premiums for Medicare Part B (medical insurance) and Medicare Part D (prescription drug coverage).
Late Enrollment Penalty
Late enrollment penalties in Medicare can increase your monthly premiums for Parts B and D if you don't sign up when first eligible.