Your Medicare Broker in South Florida
Navigate Medicare across Florida with a local medicare broker you can call for clear, side-by-side choices. Whether you’re new to Medicare, moving plans near Fort Lauderdale or Boca Raton, or reviewing coverage along the Boynton Beach 441 corridor, we help you line up benefits with your doctors, prescriptions, and budget - without unnecessary complexity.
Local Guidance for MA, Medigap & Part D
Get straight answers and organized comparisons that fit real life in South Florida. We walk through Medicare Advantage plans, Medicare Supplement, and Part D plans, explain costs and networks, and flag timing rules so you can enroll with confidence. Annual check-ins keep things current when carriers, drug lists, or premiums change across Miami, Coral Gables, Weston, Delray, and West Palm Beach.
Advantage vs Supplement vs Part D - What Fits You
Medicare isn’t one size fits all. If you want built-in extras and managed care, Medicare Advantage plans (HMO/PPO) may fit—just confirm networks for your physicians and hospitals. Prefer broad provider access with predictable costs? Medicare Supplement pairs with Original Medicare; add Part D plans for prescriptions. We’ll check formularies and pharmacies across the state so refills stay simple.
Key Dates: AEP, OEP, and Special Enrollment
Timing matters. The Annual Enrollment Period runs Oct 15–Dec 7; many changes take effect Jan 1. The Medicare Advantage Open Enrollment Period runs Jan 1–Mar 31 for one plan switch if needed. Moving between counties, losing employer coverage, or other qualifying events can open a Special Enrollment window. We’ll confirm what applies to you and map the steps from quote to enrollment.
What We Review Together: Doctors, Drugs, Costs
01.
Doctors and hospitals
network status in Miami-Dade, Broward, and Palm Beach
02.
Prescription drugs
formulary tiers, preferred pharmacies, mail-order options
03.
Total cost view
premiums, deductibles, copays, and out-of-pocket caps
04.
Extras that matter
dental, vision, OTC allowances, transportation, fitness
05.
Annual review
re-shop during AEP or OEP if your needs or plans change
Fill the Gaps: Hospital & Critical Benefits
Some people choose extra protection for hospital stays or critical diagnoses alongside Medicare. Ask us about hospital indemnity and other supplemental choices to help with costs not covered by medical benefits.
Medicare Made Practical: Common Questions
What’s the difference between Medicare Advantage and Medicare Supplement?
Advantage combines Part A, Part B, and often Part D in one plan with a provider network and an annual out-of-pocket maximum. Supplement (Medigap) works with Original Medicare to reduce medical costs and is used with a separate Part D plan for prescriptions.
When can I change plans?
Most people change during AEP (Oct 15–Dec 7). If you enroll in a Medicare Advantage plan and need a different fit, OEP (Jan 1–Mar 31) allows one switch. Certain life changes can qualify you for a Special Enrollment Period.
How do drug formularies affect me?
Formularies list covered medications and tiers that drive copays. We’ll run your list, compare Part D plans, and check preferred pharmacies across South Florida to keep refills easy.
What costs should I compare beyond the premium?
Look at deductibles, copays, coinsurance, and the out-of-pocket maximum (for Advantage). For Supplement, compare plan letters and carrier pricing; add a Part D premium and drug costs.
Do you provide an annual review?
Yes. We offer yearly check-ins to confirm networks, prescriptions, and costs still fit—then re-shop if a better option appears for the next plan year.
