Medicare Coverage Made Simple for Florida Seniors

Original Medicare includes Part A (hospital) and Part B (medical) and allows you to see any provider that accepts Medicare. Medicare Advantage plans are offered by private insurance companies, serve as an alternative to Original Medicare, and may include prescription drug coverage and additional benefits not covered under Original Medicare. Plan options, costs, and coverage vary by carrier and location.

Original Medicare generally does not cover most outpatient prescription drugs. Beneficiaries can obtain drug coverage through a standalone Part D prescription drug plan or a Medicare Advantage plan that includes prescription drug coverage.

Medicare Part A primarily covers inpatient hospital stays, skilled nursing facility care when Medicare criteria are met, hospice care, and certain home health services.

Medicare Part B covers doctor visits, specialist care, preventive services, outpatient medical treatment, laboratory work, and durable medical equipment such as walkers and wheelchairs.

Most people receive Part A without a monthly premium if they have sufficient work history. However, most beneficiaries pay a monthly premium for Part B, and some may also pay premiums for Part D, Medicare Advantage, or Medicare Supplement plans.

With Original Medicare, you can generally see any doctor who accepts Medicare. With Medicare Advantage, coverage depends on the plan's network, so it is important to verify that your doctors and specialists participate before enrolling.

Most people can enroll during their Initial Enrollment Period, which begins three months before their 65th birthday month, includes their birthday month, and continues for three months afterward.

Medicare is a federal health insurance program primarily for individuals age 65 and older or those with certain disabilities. Medicaid is a state-administered program based largely on income and financial eligibility. Some individuals qualify for both programs.

Original Medicare does not have a standard annual out-of-pocket maximum. Medicare Advantage plans are required to include an annual maximum out-of-pocket limit that helps protect members from excessive medical costs.

Yes — no charge, ever. Choosing an independent insurance broker gives you side-by-side plan comparisons across multiple carriers and personalized guidance tailored to your needs. Because an independent broker represents multiple carriers, they can focus on finding a plan that fits your specific health needs and budget — rather than being limited to one company's offerings. I do the research for you, explain your options in plain language, and stay available year-round — long after enrollment is over. Broker services are typically available at no direct cost to you.

Yes. Beneficiaries may have opportunities to change plans during the Annual Enrollment Period (October 15 – December 7), the Medicare Advantage Open Enrollment Period (January 1 – March 31), or during certain Special Enrollment Periods when qualifying events occur.