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Medicare Overview

Background on Medicare

Medicare is a federal health insurance program that pays for a variety of health care expenses. It's administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS). Medicare beneficiaries are typically senior citizens age 65 and older. Adults with certain approved medical conditions (such as Lou Gehrig's disease) or qualifying permanent disabilities may also be eligible for Medicare benefits.

Similar to Social Security, Medicare is an entitlement program. Most U.S. citizens earn the right to enroll in Medicare by working and paying their taxes for a minimum required period. Even if you didn't work long enough to be entitled to Medicare benefits, you may still be eligible to enroll, but you might have to pay more.

There are four different parts to the Medicare program. Parts A and B are often referred to as "Original" Medicare or "Fee for Service" Medicare. Medicare Part C, or Medicare Advantage, is private health insurance. Part D is outpatient drug coverage and is offered through private insurance carriers.

You can learn more about Medicare at, which is the official site of CMS. Medicare & You 2022 is the official government handbook with information about Medicare.

What You Need to Decide

Your biggest decision, and the one to make first, is whether you want Original Medicare (Part A and Part B) or Medicare Advantage (Part C). They cover the same basic services, but they work differently. Your choice depends on what you need.

Once you decide, you'll have other choices to make:

If you choose Medicare Advantage, you'll have to pick a particular plan and decide whether or not you want a plan that includes coverage for outpatient drugs:


If you choose Original Medicare, you have more choices to make:

  • You can elect to stay in Part A and B ("Original" Medicare) only.
  • You can choose to supplement Original Medicare (Parts A and B) with a Medicare Supplement (also called "Medigap") plan. Medicare Supplements are standardized in all states except MA, MN, and WI. There are 10 basic standardized plans as well as the Hi Deductible F variation that apply if you were born before January 1, 1955 and became eligible for Part A of Medicare before 2020. Beginning January 1, 2020 if your birthdate is January 1, 1955 or later and you have not previously become eligible for Part A through disability, you won't be able to buy Medicare Supplement plans that offer no deductibles (i.e. Plan C or F), and instead of Plan Hi Deductible F you'll be able to buy the new Plan Hi Deductible G. Depending on your state, zip code, and carrier, one or more of the standardized plans may be available in a Medicare Select version.

You'll also need to decide whether you want a Medicare Part D Prescription Drug plan to cover your outpatient medications.

The following chart outlines your choices. You can obtain additional information by looking at the Medicare Supplement Plans, Medicare Advantage Plans, and Part D Prescription Drug Plans pages, as well as this You Tube video.



2022 Schedule
Affordable Care Act Open Enrollment

Open enrollment for 2022 ACA plans runs from November 1, 2020 through January 15, 2022 on the federal facilitated marketplace.
You do not need to have a “qualifying life event”
to qualify during open enrollment.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2022 Schedule
Medicare Annual Enrollment Period

Medicare Annual Enrollment begins October 15, 2021 and
ends December 7, 2021 for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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