RESOURCES

Frequently Asked Questions and Answers

FAQs

  • Medicare Advantage is an alternative to Original Medicare provided by private health insurance companies who are approved by CMS. Medicare Advantage is also known as Medicare Part C.

    These plans give you the same coverage as Original Medicare, but may also include prescription drug coverage (Medicare Part D) and may even include additional extra benefits which are not covered by Original Medicare.

  • Most people become eligible for Medicare when they turn 65. If you are 65 or older then you are eligible.

    Additionally, some younger people are eligible, including those with disabilities, permanent kidney failure, or Lou Gehrig’s disease.

  • While everyone’s circumstances are different, it is recommended that you enroll in a Medicare plan during your Initial Enrollment Period, which begins 3 months before your 65th birthday and ends 3 months after your birth month.

    If you are still working and have credible coverage, you may not have to enroll in Part B. Contact us to review your situation. There can be benefits to enrolling in a Medicare plan when you become eligible.

    Those who do not enroll when they turn 65 may experience a gap in coverage and may incur penalties for the remainder of their coverage once they do enroll.

  • We offer a variety of resources for learning more. Explore our resource articles.

    Still have questions? Our Licensed Sales Representatives are always available to answer your questions. Complete the Contact Form to request a call back from one of our local licensed insurance agents.

  • Original Medicare (Parts A & B) does not cover dental, vision, or hearing care.

Getting Started FAQs

  • You’ll never receive a bill for our support or pay to talk to one of our licensed insurance agents.

    Our licensed Insurance Agents may receive compensation from the health plan for your enrollment.

  • All our Licensed Insurance Agents must complete federally-mandated, Medicare-specific training every year. We must also complete annual certification with each of the carriers whose plans we represent.

  • We serve all of Florida’s major regions, including the Tampa Bay Area, Southwest Florida, Orange County, the Space Coast, the Palm Coast, the Treasure Coast, Miami-Dade, the Panhandle, and everywhere in between.

  • We’ve likely have a licensed insurance agent who lives in your own backyard!

    Our licensed insurance agents benefit from our state-wide coverage and resources while having specialized knowledge of local Medicare plans, healthcare systems, and community resources.

    Find the licensed insurance agent who is closest to you.

  • We believe you should have access to Licensed Insurance Agents who can provide you with resources to compare, buy, and enroll in the health insurance plan that suits your needs.

    We are not a faceless call center or a transactional agent who will sign you up and never return your calls. Our sole purpose is to provide you with a licensed insurance agent who will be with you through your journey.

Costs FAQs

  • It is possible that you are overpaying for your health insurance coverage. Plans change as well as your personal coverage needs. It’s important to review your plan each year to make sure you’re paying for just the right amount of coverage for your needs.

    Here are some questions to consider when reviewing your Medicare expenses:

    Would you rather pay a higher premium or higher out of pocket costs for copays and deductibles?

    Are you currently seeing a specialist or care provider who is out of network?

    Would you save money bundling all of your healthcare coverage under one plan rather than having separate plans for health, prescription drug, and other healthcare needs?

    A short meeting with a local licensed insurance agent could help you determine if there’s a cost-effective Medicare plan out there which is suited for you.

  • Medicare Advantage plan or a Medicare Supplement (Medigap) plan can help cover your out of pocket expenses, such as copayments, coinsurance, and deductibles.

    You may contact your local State Medicaid to see if you qualify for assistance based on income and assets.

  • Depending on your situation, you may be eligible for extra help programs. There are a variety of Medicare savings programs available, including programs to help cover your Medicare part B premium and prescription drug costs. To find out if you qualify for a money-saving program, we’d be happy to help. Please complete our Contact Form to request a call from one of our local licensed insurance agents.

Licensed insurance Agents FAQs

  • When you meet with one of our licensed agents they will take time to get to know you and learn about your needs to determine how they can help you.

  • During your initial meeting, they will do their best to understand your needs. In order to do so, they will likely ask you a variety of questions regarding your healthcare needs.

    Simply put, we want to know what Insurance you have now, what you enjoy in your current plan, what you would like at add or alter. This will help us to find a health plan that suits your needs. Examples are:

    Outside of medical coverage, do you need vision, hearing, or dental coverage?

    Do you have a set budget for your Medicare coverage?

    Would you prefer to pay a high monthly premium or have a high deductible?

    Would you prefer to continue seeing your same doctors or are you willing to see a different doctor?

    Do you split your time between residences?

    Are you still working?

    Do you plan to travel?

    “Not all plans offer all these benefits. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply.”

  • As you prepare for your appointment, it is helpful to gather informative documents to equip your agent with all the information they need in order to help you find the right plan.

  • No. There is no obligation to enroll in a plan when you meet with our Licensed Sales Agent.

  • Yes! We’ll not only help you find the plan for your needs, we’ll also help you enroll in whichever plan you choose.

    Your licensed Sales Agent will answer any questions you may have in the future.