🎉 Thank you!
Here are your personalized 2026 Medicare options:
What Happens Next?
Your local licensed agent will contact you within 24 hours to review your personalized Medicare options and help you find the best plan for your needs and budget.
📞 Call (772) 874-3224 NowSpeak with a licensed Medicare specialist today
⏰ Annual Enrollment Period ends December 7, 2025 - Don't wait!
Medicare Disclaimer: We may not offer every plan available in your area. We partner with multiple insurance carriers, which offer Medicare products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
Medicare Basics - What is Medicare?
Medicare is federal health insurance for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. Understanding your Medicare options is crucial for making the right healthcare decisions.
What Does Medicare Cover?
🏥 Medicare Part A (Hospital Insurance)
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health care
Cost: Most people pay no premium for Part A if they or their spouse paid Medicare taxes while working.
👩⚕️ Medicare Part B (Medical Insurance)
- Doctor visits and outpatient care
- Medical equipment and supplies
- Preventive services
- Mental health services
Cost: Standard monthly premium in 2024 is $174.70, with annual deductible of $240.
Medicare Enrollment Periods
Initial Enrollment
3 months before your 65th birthday, your birthday month, and 3 months after
Open Enrollment
October 15 - December 7 each year to change Medicare Advantage and Part D plans
Special Enrollment
Available if you qualify due to certain life events like moving or losing coverage
How to Enroll in Social Security & Medicare Parts A & B
🏛️ Social Security Enrollment
- Online: Create account at SSA.gov
- Phone: Call 1-800-772-1213
- In Person: Visit local SSA office
- Best Time: 3 months before your 62nd birthday (earliest) or up to 4 months after your desired start date
Note: You can apply for Social Security benefits as early as age 62, but full retirement age varies based on your birth year.
🏥 Medicare Parts A & B Enrollment
- Automatic: If receiving Social Security, you're automatically enrolled
- Online: Apply at Medicare.gov
- Phone: Call 1-800-MEDICARE
- In Person: Visit local Social Security office
Important: If you don't want Part B, you must actively decline it to avoid premiums.
⚠️ Important Enrollment Deadlines
- Medicare: Enroll during your 7-month Initial Enrollment Period to avoid late penalties
- Part B Penalty: 10% penalty for each 12-month period you delay enrollment
- Social Security: Benefits are permanently reduced if you claim before full retirement age
Official Medicare Resources
Get official information and enroll in Medicare Parts A & B:
Medicare Plan Options
Choose the Medicare coverage that's right for you
Medicare Advantage
All-in-one plans that include Parts A, B, and often D, with additional benefits like dental and vision.
Learn More →Medicare Supplement
Medigap policies that help cover out-of-pocket costs not covered by Original Medicare.
Learn More →Medicare FAQ
Get answers to common Medicare questions from licensed Florida specialists
Do I have to sign up for Medicare if I'm not retiring?
If you're still working at 65 and have creditable employer health coverage, you may be able to delay Medicare enrollment without penalty. However, if your employer has fewer than 20 employees, Medicare becomes primary and you should enroll.
Important: You must enroll within 8 months of losing employer coverage to avoid penalties.
Do I have to have Medicare if I have Employer Coverage?
It depends on your employer's size. The rules differ based on the number of employees your company has.
20+ Employees
Employer plan is primary, can delay Medicare
Fewer than 20
Medicare is primary, should enroll
When can I enroll in Medicare?
There are several enrollment periods throughout the year when you can sign up for Medicare coverage.
Initial Enrollment
3 months before/after 65th birthday
Open Enrollment
October 15 - December 7
Special Enrollment
Qualifying life events
What's the difference between Medicare Advantage and Medicare Supplement?
These are two completely different approaches to Medicare coverage:
Medicare Advantage
- ✅ Replaces Original Medicare
- ✅ Often includes extras
- ❌ Network restrictions
Medicare Supplement
- ✅ Works with Original Medicare
- ✅ No networks
- ✅ Predictable costs
What happens if I miss my Medicare enrollment deadline?
Missing your Initial Enrollment Period can result in permanent late enrollment penalties that you'll pay for as long as you have Medicare.
Part B Penalty: 10% for each 12-month period you could have had Part B but didn't enroll.
Part D Penalty: 1% of the national base premium for each month without creditable coverage.
Can I keep my current doctor with Medicare?
Your ability to keep your current doctor depends on which type of Medicare coverage you choose.
✅ Original Medicare + Supplement
See any Medicare-accepting doctor nationwide
⚠️ Medicare Advantage
Must use plan's network providers
How much does Medicare cost in Florida?
Medicare costs vary depending on which parts you choose and your income level.
Part A
Usually free if you paid Medicare taxes
Part B
$174.70/month in 2024 (standard premium)
Supplements
Varies by plan type and age
Ready to Learn More About Medicare?
Our licensed Medicare specialists will help you understand your options and find the right coverage.
Comprehensive Medicare Resources
Everything you need to understand and navigate Medicare successfully
Medicare FAQ
Get answers to the most frequently asked Medicare questions, from eligibility to enrollment, costs to coverage options.
✅ 25+ common questions answered
✅ Expert insights and tips
✅ Updated for 2024 changes
Enrollment Guide
Step-by-step instructions for enrolling in Medicare, including deadlines, required documents, and avoiding penalties.
✅ Complete enrollment timeline
✅ Required documents checklist
✅ Penalty avoidance strategies
How-To Guide
Practical guides for using your Medicare benefits effectively, finding providers, and navigating common situations.
✅ Using your benefits effectively
✅ Finding Medicare providers
✅ Claims and billing guidance
