FLORIDA INSURANCE BENEFITS
Life • Health • Retirement
FLORIDA INSURANCE BENEFITS
Life • Health • Retirement
Florida Insurance Benefits
Medicare that fits your doctors, meds, and budget.
Compare Medicare Advantage, Supplement (Medigap), and Part D plans from 15+ Florida carriers. Local, licensed, and we can meet in person.
All your Medicare choices in one place.
We compare Advantage, Supplement, and drug plans in your county — and tell you what actually fits your doctors and meds.
Medicare Advantage (Part C)
$0 plans in many Florida counties, bundled drug, dental, vision, and over-the-counter benefits.
Medicare Supplement (Medigap)
Predictable costs. Keep Original Medicare and add extra protection — Plan G, Plan N, or F.
Part D Drug Plans
We run your prescriptions to make sure they’re covered and find the lowest pharmacy in your area.
Compare the 3 most popular Medicare Supplement plans.
These are the plans we explain the most in Florida: Plan G, Plan N, and (for eligible folks) Plan F. We’ll price all 3 for you.
Plan G
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Full inpatient hospital coverage (after Part B deductible)
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Part B coinsurance covered
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You pay the small Part B deductible each year
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Foreign travel emergency included
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Best mix of coverage + rate
Plan N
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Lower premium than Plan G
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Small office copays ($20) and ER copays
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Doesn’t cover Part B excess charges
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Still strong hospital & Part A coverage
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Best if you want lower monthly cost
Plan F
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Most comprehensive (pays Part B deductible)
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Very predictable out-of-pocket
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Usually the highest premium of the 3
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Great if you want zero surprises
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Call to see if you qualify in FL
3 steps to a Medicare plan
Sign Up for Parts A & B
Enroll in Original Medicare (Parts A and B) through Social Security. This is your foundation for coverage.
Choose Additional Coverage
Decide if you want a Medicare Advantage Plan (Part C) for bundled benefits or a supplement (Medigap) with a separate drug plan (Part D).
Utilize Your Benefits
Use your coverage to access a wide network of doctors and hospitals. Your plan helps pay for costs, protecting your health and finances.
Medicare help for every situation.
Turning 65, retiring, moving to Florida, or just not happy with your current plan — we make it easy.
Turning 65
We explain Part A, B, Advantage, and Medigap — without the jargon.
Retiring / Losing Group
We explain Part A, B, Advantage, and Medigap — without the jargon.
Already on Medicare
Annual reviews to make sure your doctors and drugs are still covered.
What Florida Medicare clients are saying.
Real seniors who wanted a clear Medicare explanation — not a sales pitch.
★★★★★
“He explained every Medicare option in plain English and told me which one worked with my doctor in Broward.”
Janet R.
Fort Lauderdale, FL
★★★★★
“I was moving to Florida and didn’t know my plan wouldn’t work here. He found me a plan that covered my meds.”
Michael B.
Boynton Beach, FL
★★★★★
“I like that they’re independent. I actually got to see multiple carriers and pick what I wanted.”
Linda S.
Pompano Beach, FL
Get answers before you enroll.
These are the questions Florida people ask us the most when comparing Medicare.
Advantage (Part C) is a private plan that bundles benefits; Supplement (Medigap) sits on top of Original Medicare for more predictable costs. We help you pick one.
That’s the first thing we check. We run your doctors and prescriptions against the plans in your county before we recommend anything.
Most of the time, yes. Florida has different plans and networks. We’ll match you to the best plan for your new county.
No. Our help is free — we’re paid by the carriers. You get the same plan you’d get by calling the company, plus local help.
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.