Medicare Made Clear
Advantage, Supplement & Part D — Compared for You
Your doctors and medications drive the recommendation — never a sales quota.
Advantage, Supplement/Medigap and Part D — matched to your doctors, your medications, and your budget. Free guidance, zero pressure.
Your doctors and medications drive the recommendation — never a sales quota.
Medicare Advantage (Part C) bundles hospital, medical and usually drugs into one plan, often at a $0 premium, with network rules. A Supplement (Medigap) pairs with Original Medicare to cover its gaps, with broad doctor access and a higher monthly premium. Neither is 'better' — the right answer depends on your doctors, medications and how you use care.
5.19M Floridians on Medicare · 611 MA plans available in 2026 (up from 592) · average MA premium $2.11 (down from $4.09) · $0-premium MA and Part D options exist in most counties. Source: CMS state fact sheets, Sept 26, 2025.
Turning 65 opens your 7-month Initial Enrollment Period. Medicare Open Enrollment runs Oct 15 – Dec 7 each year; MA Open Enrollment runs Jan 1 – Mar 31. Certain life changes open Special Enrollment Periods.
Real prices, instant enrollment — or call/text 561-339-0727 and we do it together.
Inpatient stays, skilled nursing, hospice. $0 premium for most people (prepaid through payroll taxes).
Doctors, outpatient care, equipment. Standard premium $202.90/mo in 2026; higher earners pay more (IRMAA).
Private all-in-one plans bundling A + B, usually drugs and extras — often $0 premium, with networks.
Drug coverage, standalone or built into Advantage. 2026 out-of-pocket drug cap: $2,100/yr. Skipping it can mean lifelong penalties.
Neither is "better" — your doctors, medications, travel and budget decide. We run this comparison against every carrier we represent, free: 561-339-0727.
3 months before your birthday month, the month itself, 3 after. Enroll on time to avoid lifelong penalties.
Anyone on Medicare can join, drop or switch Advantage & Part D plans for Jan 1. Your annual review window.
Already on Advantage? One switch to another MA plan or back to Original Medicare.
Moving, losing coverage, your plan leaving your area and more open special windows any time of year.
Three prescriptions, a cardiologist she wants to keep, and a 7-month enrollment window she doesn't want to get wrong.
Hypothetical example, not a real client or a guaranteed result. See all three scenarios →
Many MA plans have a $0 monthly premium — you still pay your Part B premium, and costs come as copays when you use care. We compare total expected cost, not just premium.
Only if they're in the plan's network. We verify your doctors and hospitals against each plan before you enroll.
Part D formularies differ widely. We run your exact medication list through each plan's formulary — this is often where the biggest savings hide.
Carrier availability varies by state and eligibility — we confirm what you can actually get at quote.
Free, in your language, across every carrier.
“The right Medicare answer is never the plan with the biggest TV budget. It's the plan that has your doctors, covers your medications, and fits how you actually use care.”
Important Medicare disclosure: We do not offer every plan available in your area. Currently we represent 17 organizations which offer [number] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.