If you are turning 65, disabled or already have Medicare, we can guide you to find the best plan that fits your needs in your area. Every year you can check and make a change to your Medicare plan.
Medicare Advantage Plans (Part C)
Once you have Medicare with Part A (Hospital) and Part B (Medical), you qualify for a Medicare Advantage Plan (Part C) with drug coverage (Part D). Most Medicare Advantage Plans are HMOs (you need referrals to see specialists) and PPOs (you don’t need referrals to see specialists).
Medicare Advantage plans available in Central Florida typically include coverage for primary care visits, specialist consultations, hospitalization, therapies, laboratory services, medical equipment, and preventive exams. These plans often include prescription drug coverage (Part D) and may offer additional benefits like dental, vision, and hearing.
Medicare Supplement (Medigap) Plans
Medigap is supplemental insurance sold by private companies that helps fill the “gaps” in Original Medicare. These policies can help pay for copayments, coinsurance, and deductibles that Original Medicare does not cover. Medigap plans are standardized and identified by letters (Plan A through Plan N). Unlike Medicare Advantage, Medigap policies do not include prescription drug coverage — you would need a separate Part D plan.
In Florida, Medigap plans are widely available and can be a good option if you want the freedom to see any doctor or specialist who accepts Medicare.
Medicare Part D: Prescription Drug Coverage
Medicare Part D helps cover the cost of prescription medications. Even if you don’t take many prescriptions now, enrolling in Part D when you’re first eligible can help you avoid late enrollment penalties later. Part D plans are offered by private insurance companies and each plan has its own list of covered drugs (formulary).
Our licensed bilingual brokers can help you compare Part D plans available in Florida to find one that covers your medications at the lowest cost.
Frequently Asked Questions About Medicare
When can I enroll in Medicare in Florida?
Your Initial Enrollment Period (IEP) begins three months before your 65th birthday and ends three months after. If you miss your IEP, the General Enrollment Period runs from January 1 to March 31 each year. Special Enrollment Periods (SEPs) may be available if you have qualifying life events such as losing employer coverage or moving.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) replaces Original Medicare and usually includes drug coverage, but may have network restrictions. Medigap supplements Original Medicare, covering costs like copays and deductibles, and allows you to see any Medicare-accepting provider. Your choice depends on your budget, health needs, and whether you prefer network flexibility.
Do I need Part D if I have Medicare Advantage?
Most Medicare Advantage Plans include prescription drug coverage (MAPD). If your plan includes Part D, you do not need a separate stand-alone Part D plan. If you have Original Medicare, you should enroll in a stand-alone Part D plan to avoid late enrollment penalties.
Can I get Medicare if I’m under 65?
Yes. You may qualify for Medicare before age 65 if you have received Social Security Disability Insurance (SSDI) for 24 months, or if you have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD).
How does a licensed bilingual broker help with Medicare enrollment?
A licensed broker helps you compare plans from multiple carriers at no extra cost to you. Our agents at Insurance Pro Florida are bilingual (English/Spanish) and can explain your options, estimate costs, and help you enroll in a plan that fits your healthcare needs and budget. Call us at 321-677-2157 for a free consultation.
Ready to find the right Medicare plan? Call 321-677-2157 or request a free quote today. Our licensed bilingual brokers are here to help.
{ “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [ { “@type”: “Question”, “name”: “When can I enroll in Medicare in Florida?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Your Initial Enrollment Period (IEP) begins three months before your 65th birthday and ends three months after. If you miss your IEP, the General Enrollment Period runs from January 1 to March 31 each year. Special Enrollment Periods (SEPs) may be available if you have qualifying life events such as losing employer coverage or moving.” } }, { “@type”: “Question”, “name”: “What’s the difference between Medicare Advantage and Medigap?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Medicare Advantage (Part C) replaces Original Medicare and usually includes drug coverage, but may have network restrictions. Medigap supplements Original Medicare, covering costs like copays and deductibles, and allows you to see any Medicare-accepting provider. Your choice depends on your budget, health needs, and whether you prefer network flexibility.” } }, { “@type”: “Question”, “name”: “Do I need Part D if I have Medicare Advantage?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Most Medicare Advantage Plans include prescription drug coverage (MAPD). If your plan includes Part D, you do not need a separate stand-alone Part D plan. If you have Original Medicare, you should enroll in a stand-alone Part D plan to avoid late enrollment penalties.” } }, { “@type”: “Question”, “name”: “Can I get Medicare if I’m under 65?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Yes. You may qualify for Medicare before age 65 if you have received Social Security Disability Insurance (SSDI) for 24 months, or if you have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD).” } }, { “@type”: “Question”, “name”: “How does a licensed bilingual broker help with Medicare enrollment?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “A licensed broker helps you compare plans from multiple carriers at no extra cost to you. Our agents at Insurance Pro Florida are bilingual (English/Spanish) and can explain your options, estimate costs, and help you enroll in a plan that fits your healthcare needs and budget. Call us at 321-677-2157 for a free consultation.” } } ] }
TTY 7-1-1