Medicare, made clear — right here in Florida
Turning 65, retiring, moving to Florida or reviewing the plan you have? Medicare comes with big decisions and unfamiliar terms. We'll walk you through it in plain language, with no pressure.
Start with the basics
Medicare is the federal health insurance program for people 65 and older and for some younger people with certain disabilities. It has several parts, and each one covers something different.
Hospital insurance
Generally helps cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
Medical insurance
Generally helps cover doctor visits, outpatient care, preventive services and medical equipment. Parts A and B together are called Original Medicare.
Medicare Advantage
Plans from private insurance companies approved by Medicare that provide your Part A and Part B coverage. Many include drug coverage and use provider networks.
Prescription drugs
Drug coverage from private insurance companies. Each plan has its own list of covered drugs, pharmacy network and costs.
Medicare Supplement
Private insurance that works alongside Original Medicare to help pay costs it doesn't, like deductibles and coinsurance. It can't be used with Medicare Advantage.
Two main paths through Medicare
Once you have Part A and Part B, most people choose one of these two routes.
Original Medicare + Supplement + Part D
- See any doctor or hospital nationwide that accepts Medicare
- A Medigap plan helps pay what Original Medicare doesn't
- A separate Part D plan covers prescriptions
- Usually a higher monthly premium, with more predictable costs
Medicare Advantage
- One plan from a private insurer covers Parts A and B
- Many plans include drug coverage
- Plans often use provider networks, so doctors matter
- Costs, networks and benefits vary by plan and ZIP code
So which path is right for you?
There's no one-size-fits-all answer — and that's exactly why we start with you.
We look at these details together before talking about any plan, so there are no surprises after you enroll.
- Your doctors, specialists and preferred hospitals
- The prescriptions you take
- The pharmacies you like to use
- How often you travel or spend time out of state
- Your budget and comfort with out-of-pocket costs
- Whether you may qualify for extra help paying costs
- The plans available in your ZIP code
When you can enroll or make changes
Missing your enrollment window can lead to lifelong penalties. Read our enrollment guide →
Not a national call center
Palm Beach County is home to all kinds of people. Some live here year-round, others split their time between Florida and another state. Some want the freedom to see a wide range of doctors, while others prefer a coordinated local care network.
That's why your Medicare guidance should start with your life — not a scripted sales pitch. And once you're enrolled, we're still here for questions and a review every fall.
Have a Medicare question?
A short call is all it takes. No pressure and no obligation — just straight answers from a licensed agent in your community.