Hospital insurance
Part A is the hospital insurance part of Original Medicare.
MEDICARE / LOCAL GUIDANCE
Medicare guidance
that starts with you.
Turning 65, retiring or reviewing your current coverage? Understand your options before deciding what comes next.
Talk with a Medicare agentSTART WITH THE BASICS
Understand the parts.
Then consider your options.
We help you connect the terminology to the decisions you actually need to make.
Medical insurance
Part B is the medical insurance part of Original Medicare.
Prescription drug coverage
Part D helps cover prescription drugs. The medications and pharmacies you use matter when comparing plans.
TWO WAYS TO RECEIVE MEDICARE BENEFITS
Different paths.
Important tradeoffs.
Part A + Part B
You can generally use doctors and hospitals that accept Medicare throughout the United States.
- A separate Part D plan can add prescription drug coverage.
- A Medigap policy can help with certain costs Original Medicare does not pay.
- Original Medicare alone has no annual out-of-pocket limit.
Coverage through a private plan
Medicare-approved private plans provide your Part A and Part B benefits. Most also include prescription drug coverage.
- Provider networks and prior authorization may apply.
- Plans have a yearly limit for covered Medicare medical services.
- Costs and additional benefits vary by plan.
Coverage overview: Compare options at Medicare.gov
A CLOSER LOOK
Look beyond
the premium.
Your doctors, prescriptions, travel habits, healthcare needs and budget all deserve a place in the conversation.
Compare my optionsMedicare Advantage
We review the plans we represent with your providers, medications, pharmacies, copays, deductibles, medical out-of-pocket limits and coverage rules in mind.
Medicare Supplement / Medigap
Medigap works with Original Medicare, not Medicare Advantage. Your ability to buy a policy without medical underwriting depends on timing and applicable rights. The federal six-month Medigap Open Enrollment Period generally starts when you are 65 or older and first enrolled in Part B.
Prescription drug coverage
We review your actual medication list and preferred pharmacies, not just the plan’s monthly premium. Part D includes an annual out-of-pocket limit for covered Part D drugs; the amount is updated each year.
Special Needs Plans and Medicaid
Special Needs Plans are Medicare Advantage plans designed for people who qualify based on Medicare and Medicaid eligibility, certain chronic conditions, or institutional care needs. We can help you understand whether an option may fit your circumstances.
People with both Medicare and Medicaid are often called dual eligible. How benefits work together depends on your eligibility level and the available plan.
ENROLLMENT IS ABOUT TIMING, TOO
The right conversation.
Before the deadline.
Different situations have different enrollment rules. We help you understand which ones apply.
Initial enrollment
Approaching Medicare eligibility or leaving employer coverage? Start by reviewing your eligibility and the enrollment steps for your situation.
October 15
– December 7
Review Medicare Advantage and prescription drug plan options for the following year.
Special enrollment
Moving, losing certain coverage or another qualifying circumstance may create an additional enrollment opportunity. We can help check.
Enrollment reference: Medicare.gov enrollment information
A FEW COMMON QUESTIONS
Let’s clear
things up.
Individual circumstances matter. These are starting points, not a personalized coverage recommendation.
Can I keep seeing my doctors?
We review your providers against the coverage you are considering. Original Medicare and Medicare Advantage have different provider-access rules. Participation should be verified before enrollment.
Are Medicare Advantage and Medigap the same?
No. Medicare Advantage is a way to receive your Medicare benefits through a private plan. Medigap supplements Original Medicare and does not supplement Medicare Advantage.
Should I review a plan I already like?
A review helps us consider changes to your needs and plan details. It does not mean you need to switch plans.
Can I change coverage at any time?
Not necessarily. Enrollment periods and eligibility rules matter, and Medigap has its own purchase protections and underwriting considerations. We can review your situation before you make a change.
What is Medicare Advantage Open Enrollment?
January 1 through March 31 is a separate enrollment period for people already enrolled in Medicare Advantage. Eligible members may make one permitted change, such as switching Medicare Advantage plans or returning to Original Medicare with an opportunity to add Part D coverage. It is not an enrollment window for everyone. See the Medicare.gov enrollment explanation .
YOUR NEXT STEP
Your Medicare questions.
A local place to start.
Talk through your options with Insure Orlando.