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.
The providers bill Medicare and Medigap covers the gaps in Medicare. Medicare pays their part (generally 80%) and sends the remainder of the bill to the Supplement.
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 an 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.
Many Advantage plans offer prescription drug coverage and reduce expenses by providing coverage networks (list of doctors and hospitals that work with the plan and can change anytime, including mid-year).
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
FAQs
Q: When can I enroll or change plans?
A: There are different times of the year you may change plans, it depends on the type of plan Medigap vs Advantage, and or life events. For Advantage plans, the Annual Enrollment is from October 15th to December 7th. For Medigap plans, you could enroll anytime of the year.
Q: Can I change plans anytime?
A: You can change Medigap plans anytime in the year (pending underwriting). For Advantage plans, you have 2 opportunities to enroll. During Annual enrollment October 15th to December 7th and during the Open Enrollment Period from January 1 to March 31.
Q: Will a Medigap plan pay my Part B deductible?
A: Plan coverage varies, usually the Part B deductible is not covered unless you are "grandfathered-in" to a Plan F (also referred to as the Cadillac plan).
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, yes. For Advantage plans we must check the plan directory and also recommend calling the doctor's office to confirm. Advantage plan networks are subject to change anytime in the year.
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
Not affiliated with Medicare.gov, SSA, CMS, or HHS.
Coverage varies by ZIP code; we can’t offer every plan.
Top 3 Worst Mistakes to Avoid When Turning 65
Top 3 Worst Mistakes to Avoid When Turning 65.
Turning 65 is a major milestone—and for many, it’s when Medicare decisions begin.
These are the top 3 mistakes I see people make at this stage. Unfortunately, by the time we connect, some have already been enrolled for years and are stuck with avoidable lifetime penalties or limited coverage options.
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.