We do not offer every plan in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-Medicare to get information on all of your options.


Take Our Medicare Quiz

Which government agency administers the Medicare program?

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Which of the following sells Medigap insurance?

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What does Part A Cover?

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What is the Part B deductible?

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What does Part D Cover?

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When on Medicare, is there a copay if you go into a hospital?

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Is there a premium for Part A?

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Is there a premium for Part B?

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Does Medicare cover routine dental?

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Does Medicare cover routine eyewear?

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What is the co-insurance you pay?

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What is Medicare Part C?

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Do you know what a 5 STAR Plan means?

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Medicare Part A

Part A of Medicare is basically what pays for hospitalization.

In general, Part A covers:

Medicare Part B

What is Medicare Part B?

Part B covers 2 types of services

Part B of Medicare is commonly referred to as the doctor’s portion:

Some examples of what Part B covers are:


How do Medicare Advantage Plans work?

A Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. 

These “bundled” plans include Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).


What Medicare Part D drug plans cover?

All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes,” like drugs to treat cancer or HIV/AIDS. A plan’s list of covered drugs is called a “formulary,” and each plan has its own formulary. Many plans place drugs into different levels, called “tiers,” on their formularies. Drugs in each tier have a different cost. For example, a drug in a lower tier will generally cost you less than a drug in a higher tier.

Medicare Supplments

What's Medicare Supplement Insurance (Medigap)?

Medigap is Medicare Supplement Insurance that helps fill “gaps” in 

Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

Frequently Asked Questions

First what is it? Medicare is a national health program in the United States. Medicare started in 1965 under the Social Security Administration which is now administered by the Centers for Medicare and Medicaid Services.

Depending on how much you have paid into Social Security for Medicare will determine what your costs will be for Medicare insurance.

If you answer YES to any of the following statements complete the PERMISSION TO CONTACT FORM at the top of this page. I will provide a FREE in-home, telephone or online consultation that I am certain will make this a less stressful time for you.

  1. I am confused about the Medicare Part D Rx Drug Program.
  2. I am turning 65 next 6 months, or I will be retiring soon and would like some help reviewing my options.
  3. My coverage seems too expensive and would like an objective analysis.
  4. I am a year or 2 away from turning 65 and need health insurance coverage.

Click on any of the following Frequently asked questions for your answers:

Answer: Good question. There is no one best plan for you and that is why as a broker I can be very valuable to you. I represent various Medicare Supplement prescription drug companies, and Medicare Advantage companies. My job is to help you determine the protection that fits your needs and budget. Many times, someone will want a special doctor and working with an agent that represents only 1 or 2 companies may not be able to find a plan that has the doctor or hospitals you want.



Medications costs can also vary substantially from company to company. That’s another reason why I represent 20 different companies for Medicare insurance products. You will not get this type of service from a one company agent. You will get what they have and not know what other companies can offer you.


My free consultation includes side by side comparison of the benefits and prescription drug costs using the tools available on the website.


If you enroll in one of the plans I offer, there is NO CHARGE to you. Brokers are paid a standardized fee for Medicare Advantage plans directly from the insurance carriers.

Answer: Most people sign up for both Part A (Hospital Insurance) and Part B (Medical Insurance) when they’re first eligible (usually when they turn 65). Generally, there are risks to signing up later, like a gap in your coverage or having to pay a penalty. However, there are situations when it might make sense to sign up later.

Answer: When you turn 65 you are in your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after you turn 65. You cannot be rejected during that time as long as you are new to Medicare.

Answer: There are many different options for you to consider and for you to sort through all the options is a bit overwhelming. If you will send me an email giving me permission to contact you (see below), I will be glad to meet with you in person, by telephone or online and provide you with a FREE consultation.


I would also be willing to give you the names of some of my customers you can call so you can find out for yourself the type of work I do.

Answer: Depending on the size of your group plan, you may or may not want to enroll in a Medicare plan just yet. First you will want to get a letter from your employer stating that your Rx plan with your employer is Credible Coverage. That is to say your group plan must be equivalent to the (Part D plan) prescription drug plans available to you through Medicare insurance carriers. In addition, you will need to know if you should enroll in Part B or wait until you leave the group plan. Doing the wrong thing here can cost you in 2 ways, a lifetime penalty or unnecessary Part B premiums.

Answer: For the rest of your life. You do not want to be assessed a penalty.

Answer: Yes.


Complete the PERMISSION TO CONTACT email below.


How do you know what is best for you?

There is much more to learn about Medicare and the best way to get this knowledge is from an exert like me. If you would like a free consultation to allow me to answer all your questions and review the plans I represent, please complete the “PERMISSION TO CONTACT FORM”

Clear Signature

I understand that the person who will be discussing plan options with me may be compensated based on my enrollment in a plan.

What can I do about all the insurance agents that are calling me and all the mail I am getting?

Answer – Insurance agents are not allowed to cold call you regarding Medicare insurance unless you give them permission in advance to talk to you. That’s why you get all these mailers. If you are 64 years old, you will be receiving 50 -60 pieces of mail during this period.

No wonder you don’t know what to do. When you return one of those mailers, that says to that company/agent you have given them permission to contact you.

If an agent knocks on your door and wants to talk to you about Medicare and you did not give them permission to contact you, you can ask them to leave, that you did not give them permission to contact you.

This is not how I do business. I have been licensed as a life and health agent in the state of Florida for over 30 years. I am currently authorized to represent 9 companies for Medicare insurance. You will appreciate the time saved by not having to meet multiple agents. Additionally, you will benefit by receiving an unbiased comparison of all the options I offer.

Prevent Unwanted Telemarketing Calls:

Due to the many abuses that agents are making buy calling people eligible for Medicare and asking them about their Medicare coverage with the idea in mind to ultimately talk to you about Medicare Advantage Plans is prohibited.

In order for an agent to talk to you about Medicare Advantage or Stand-Alone Prescription Drug Plans you must give them permission in advance in writing, a text message, or an email before they can even approach you to discuss these plans. Once you give them permission to talk to you, they must have you complete what is called a “Scope of Appointment” form. When you complete the Scope of Appointment form they can only discuss with you what you initial on the form. They are not permitted to discuss life insurance or annuities with you unless you give them permission to come back at a later date to discuss other insurance plans. Without a signed Scope of Appointment form they are not permitted to discuss these plans with you.

For them to even pick up the phone and call you they need your permission to call, and the only way to do that is if you give them permission in advance by completing a return mailer, returning an email or text. When you complete one of these you are completing a form called “Permission To Contact”.

Some agents think by discussing Medicare Supplement policies with you negates the permission requirement, but when discussing Medicare Supplement Plans with you they also need to discuss Prescription Drug Plans which are also under the requirement to get permission in writing before they talk to you.

For plan year 2023 agents will be required to record all telemarketing calls with new prospects for Medicare Advantage and Prescription Drug Plans in an effort to reduce this telemarketing abuse.


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