First-time Medicare
Turning 65 or newly eligible? We walk through Parts A, B, C, and D, your Initial Enrollment Period, and how to avoid late-enrollment penalties.
- Parts A & B basics
- Initial Enrollment Period
- Avoiding penalties
Services
Medicare and ACA help, from someone who works the plans every year.
Licensed in Florida and appointed with most carriers. Compare your options side by side and choose with confidence.
Annual Enrollment reviews
Each AEP (Oct 15–Dec 7), plan benefits, networks, and drug formularies change. We compare your current plan against the year’s options.
- Plan & benefit comparison
- Drug formulary review
- Cost & coverage check
Medicare Advantage (Part C)
Compare Medicare Advantage plans from multiple carriers, including HMO and PPO options and extra benefits.
- HMO & PPO options
- Extra benefits
- Network & drug coverage
Medicare Supplement (Medigap)
Understand Medigap plans that help cover the gaps in Original Medicare, with standardized plan letters explained plainly.
- Standardized plan letters
- Gap coverage
- Predictable costs
Part D drug coverage
Check your prescriptions against each plan’s formulary so the drugs you actually take are covered at a fair cost.
- Formulary checks
- Tier & cost review
- Pharmacy networks
ACA / Marketplace
Not yet on Medicare? Shop and compare Affordable Care Act Marketplace plans with a licensed agent, including subsidy questions.
- Marketplace plans
- Subsidy & savings
- Network comparison
Not sure where you fit? Start with a consultation.
A no-obligation call to review where you are and what your options look like this year.