Serving all of Florida (754) 216-7275
MEDICARE
Medicare Guidance for Florida Residents
Find Medicare options that simplify your care and keep your health fully supported across Florida.
WHAT YOU CAN EXPECT
Our Promises to You
Medicare shouldn’t feel confusing. Here’s what you can count on every time we talk.
Plain-English Explanations
We break everything down clearly so you always understand your options.
No High-Pressure Sales
You set the pace; we’re here to guide, not push.
Multiple carriers, not one
We compare top companies side by side so the differences are obvious.
Support when life changes
Retiring, moving, or switching doctors? I help you adjust your coverage anytime.
HOW WE HELP
How we help you choose the right plan
A simple 3-step process that keeps things clear and focused on you.
Step 1
We listen first
We start with what matters most — your doctors, medications, and budget.
Step 2
We compare options
Side-by-side comparisons make benefits, networks, and costs easy to see.
Step 3
We enroll together
When you're ready, we complete enrollment and confirm approval.
MEDICARE OPTIONS
Coverage we help Florida seniors compare
Whether you're new or reviewing your plan, we show how each option fits your needs.
MEDICARE ADVANTAGE
Medicare Advantage plans
All-in-one plans with medical, drug coverage, and extra benefits.
MEDIGAP
Medicare Supplement
Helps pay deductibles and coinsurance for more predictable costs.
PART D
Prescription drug plans
Stand-alone drug plans matched to your medications.
DSNP
Medicare & Medicaid (DSNP)
Extra-benefit plans for people who qualify for both programs.
ENROLLMENT HELP
Initial & special enrollments
Turning 65 or retiring? We help you time enrollment correctly.
ANNUAL REVIEW
Year-round plan checkups
We review your plan yearly to keep coverage aligned with your needs.
PLAN COMPARISON
Explore Your Medicare Options
A quick side-by-side look at how each option works — from doctor access to costs and extra benefits.
$0 Premium Plans
Many Florida counties offer zero-premium Advantage options.
Doctor Network Matching
Plans checked against your preferred doctors & specialists.
Extra Benefits
OTC credits, dental, vision, transportation & more.
Drug Coverage
Most MA plans include Part D automatically.
OOP Safety
Plans include a yearly cap that protects you from high medical bills.
Feature | Advantage Plan | Original Medicare |
|---|---|---|
Monthly Premium
| Many $0 premium options available | Part B premium + optional Medigap |
Extra Benefits
| Dental, vision, hearing, OTC funds, transportation | None included |
Out-of-Pocket Limits
| Yes — yearly cap protects your costs | No annual limit — costs can keep adding up |
Drug Coverage | Usually included — built-in Part D | Not included — requires separate Part D plan |
Doctor Access | Use in-network doctors (HMO/PPO) | Any Medicare-accepting doctor nationwide |
HMOs offer lower costs with structured networks. PPOs provide more flexibility to visit out-of-network doctors.
PLAN COMPARISON
Explore Your Medicare Options
A quick side-by-side look at how each option works — from doctor access to costs and extra benefits.
$0 Premium Plans
Many Florida counties offer zero-premium Advantage options.
Doctor Network Matching
Plans checked against your preferred doctors & specialists.
Extra Benefits
OTC credits, dental, vision, transportation & more.
Drug Coverage
Most MA plans include Part D automatically.
OOP Safety
Plans include a yearly cap that protects you from high medical bills.
Feature | Advantage Plan | Original Medicare |
|---|---|---|
Monthly Premium
| Many $0 premium options available | Part B premium + optional Medigap |
Extra Benefits
| Dental, vision, hearing, OTC funds, transportation | None included |
Out-of-Pocket Limits
| Yes — yearly cap protects your costs | No annual limit — costs can keep adding up |
Drug Coverage | Usually included — built-in Part D | Not included — requires separate Part D plan |
Doctor Access | Use in-network doctors (HMO/PPO) | Any Medicare-accepting doctor nationwide |
HMOs offer lower costs with structured networks. PPOs provide more flexibility to visit out-of-network doctors.
FAQ
Medicare Frequently Asked Questions
Quick answers to common questions from clients across Florida.
No. Medigap plans only work with Original Medicare. Medicare pays first, then your supplement helps cover your share.
Yes. Companies can raise rates as you age or as costs change. Comparing multiple carriers up front can help you choose wisely.
No. You can’t use Medigap with a Medicare Advantage plan. You choose either Original Medicare + Medigap, or a Medicare Advantage plan.
There are specific enrollment periods and special situations when you can change. I’ll review your timing and what’s possible for your situation.
WHAT OUR CLIENTS ARE SAYING
What Floridians are saying
Real people across Florida who wanted simple, honest insurance help.
★★★★★
“He explained every Medicare option clearly and helped me feel confident.”
Janet R.
Fort Lauderdale, FL
★★★★★
“We compared several plans and ended up with better coverage for our budget.”
Marcus B.
Hollywood, FL
★★★★★
“I liked that he represented multiple carriers. No pressure — just clarity.”
Linda S.
Pompano Beach, FL
What Medicare Doesn't Cover
Original Medicare covers a lot — but not everything. Without a supplemental plan (Medigap), you'll still be responsible for several out-of-pocket costs that can add up quickly.
Common Expenses Without Supplemental Insurance
Part A deductible: $1,676 for each hospital stay
Part A coinsurance: $419/day for extended hospital stays
Part B deductible: $257 per year
Part B coinsurance: 20% of the cost for most services (no annual cap)
Excess charges: If your doctor doesn’t accept Medicare assignment
Foreign emergency care: Not covered outside the U.S.
💡 A Medigap plan can help cover many of these expenses — protecting your savings and giving you predictable healthcare costs.