Medicare Supplement (Medigap) plans work with Original Medicare and help cover out-of-pocket costs like deductibles, copays, and coinsurance. Medicare Advantage plans are an all-in-one alternative to Original Medicare that often include extra benefits. As an independent broker, I help you compare both options side-by-side so you can choose what best fits your health needs and budget.

I provide personalized Medigap quotes from multiple highly rated carriers so you can compare premiums, benefits, and plan options (A, D, G, N, etc.). Rates are based on your age, gender, zip code, and tobacco use. I’ll show you the best value plans available in your area and explain household discounts or household rating where available.

Medicare Advantage plans often include $0 or low-premium options, plus extra benefits not available with Original Medicare alone — such as routine dental, vision, hearing, fitness programs (SilverSneakers), transportation to doctor visits, and even over-the-counter allowances. Some plans also include prescription drug coverage and additional wellness programs.

Original Medicare generally does not cover routine dental, vision, or hearing services. Most Medicare Advantage plans do include these important benefits. I help clients find plans with strong dental and vision coverage that fits their needs — whether you want comprehensive coverage or just basic preventive care.

You’ll always pay the Part B premium (usually deducted from Social Security). Medicare Advantage premiums can be $0 or low, while Medigap premiums vary by plan and carrier. I’ll show you total estimated out-of-pocket costs, including deductibles and copays, so there are no surprises. Factors like your zip code, health conditions, and chosen plan type all play a role.

Medicare Supplement plans work with any provider that accepts Medicare nationwide. Medicare Advantage plans usually have networks (HMO or PPO). I help you verify that your doctors and specialists are in-network and find plans with broad networks in the Northeast Florida area (St. Augustine, Jacksonville, Green Cove Springs, etc.).

Your Initial Enrollment Period is the best time (3 months before to 3 months after your 65th birthday). There are also Special Enrollment Periods for qualifying life events like moving or losing coverage. I guide clients through the process year-round to avoid late penalties and make sure you have the right coverage in place.

No. My services are completely free to you. I’m compensated by the insurance carriers when you enroll in a plan — it does not increase your premiums. As an independent broker licensed in Florida (and other states), my goal is to find the best plan for your individual situation, not to push any specific company.