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We make Medicare Advantage easier to understand and easier to choose.
Expert Guidance Navigating Medicare for Florida Residents
Medicare decisions can impact both your healthcare access and long-term costs. Our team specializes in helping individuals understand their Medicare options and enroll in coverage that fits their medical needs, lifestyle, and budget.
With decades of experience supporting individuals enrolled in Medicare in South Florida, our team understands how plans vary by location, provider networks, and available benefits. We guide you through your choices clearly and honestly.
Personalized Service: In-Person, Online, or Over the Phone
Everyone prefers a different level of support. That’s why we offer flexible appointments—whether you want to meet in person, talk by phone, or review options online at your convenience.
Work with Licensed Medicare Agents You Can Trust
Our licensed Medicare insurance agents stay current on plan changes, enrollment rules, and benefit updates, ensuring you receive accurate guidance every step of the way.
Key Benefits of Medicare Advantage (Part C) Plans
Reliable All-in-One Coverage for Your Health and Lifestyle
Low or $0 Monthly Premiums Based on Your Location
Comprehensive Dental, Vision, and Hearing Benefits
Focus on Wellness with Preventive Care and Physical Exams
Convenient Virtual Medical and Mental Health Visits
Extra Rewards, Wellness Programs, and OTC Allowances
Understanding Your Medicare Options
Original Medicare: Fee-for-Service Hospital and Medical Insurance
Miami-Dade County
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). You can visit any provider that accepts Medicare, but deductibles and coinsurance apply as services are used.
Medicare Advantage: Private All-in-One Insurance Solutions
Medicare Advantage in Florida is offered by private insurance companies and typically includes Parts A, B, and D. These Part C plans often use HMO or PPO networks and may include additional benefits not covered by Original Medicare.
Part D: Prescription Drug Coverage and Costs
Part D helps cover prescription medication costs. It can be purchased separately or included as part of a Medicare Advantage plan, depending on your coverage choice.
Medicare Advantage Eligibility & Enrollment Periods
Medicare Advantage enrollment isn’t open year-round, which makes timing just as important as plan choice. Knowing when you’re eligible helps you avoid gaps in coverage and unnecessary penalties.
Are You Turning 65 or Newly Eligible for Medicare?
Most people become eligible for Medicare at age 65. This is often the best time to review plan options and enroll without penalties.
Enrolling with a Qualifying Disability or Life Event
Individuals under 65 with qualifying disabilities or specific medical conditions may also be eligible for Medicare and Medicare Advantage coverage.
Options for Retirees Losing Employer-Sponsored Coverage
If you’re retiring or losing employer health insurance, you may qualify for a Special Enrollment Period to enroll in a Medicare Advantage plan.
Moving Outside Your Plan Service Area or Switching Plans
Relocating or experiencing other qualifying life events may allow you to change plans outside standard enrollment windows.
Our agents help you understand enrollment timelines, eligibility rules, and deadlines so you don’t miss important opportunities.
Trusted Medicare Insurance Carriers We Represent
We work with a wide range of trusted Medicare insurance carriers to offer plan options that fit different healthcare needs and budgets.
Frequently Asked Questions About Medicare Advantage
Original Medicare is a government-run fee-for-service program, while Medicare Advantage plans are offered by private insurers and bundle multiple benefits into one plan.
Many Medicare Advantage plans include prescription drug coverage, though not all plans do.
This depends on the plan type. HMO plans may require referrals, while PPO plans often allow more flexibility.
Most beneficiaries must continue paying their Medicare Part B premium, even if they enroll in a Medicare Advantage plan. Although some specific plans offer benefits to help cover this cost.
Medicare Advantage plans typically use provider networks, so coverage may be limited to in-network providers.
Missing an enrollment period may result in delayed coverage or late enrollment penalties, depending on your situation.
Original Medicare generally does not cover routine dental or vision exams, which is why many people choose Medicare Advantage plans.
