Medicare Insurance Help in Florida

You are eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) is a 7-month window starting 3 months before your 65th birthday month. You can also enroll during the Annual Enrollment Period (October 15 – December 7) each year.

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes dental, vision, and drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover cost-sharing like deductibles and copays. Each has pros and cons depending on your health needs.

Original Medicare does not cover routine dental or vision. However, many Medicare Advantage plans in Florida include dental, vision, and hearing benefits at no extra premium.

Medicare Part A is usually premium-free if you worked 40+ quarters. Part B has a standard premium of $174.70/month in 2024. Medicare Supplement premiums vary by plan and carrier. Medicare Advantage plans often have $0 monthly premiums.

Medicare Part D is prescription drug coverage. It can be added to Original Medicare as a standalone plan, or it may be included in a Medicare Advantage plan. Premiums and formularies vary by carrier.

Yes. During the Annual Enrollment Period (October 15 – December 7), you can switch between Medicare Advantage and Original Medicare, change Advantage plans, or change Part D drug plans. Changes take effect January 1.