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on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Medicare Supplement (Medigap) Plans

Medicare Supplement plans are also called "Medigap" plans and can be purchased only if an individual has Original Medicare (Parts A and B). Medigap plans are insurance policies you buy from a private insurance company that pay for some or all the cost sharing, or gaps in coverage, such as deductibles, copays and coinsurance not covered by Original Medicare. Except in three states (Massachusetts, Minnesota, and Wisconsin), Medicare Supplement policies are available in standard types or plans. Each plan is named with a letter of the alphabet. Don't confuse plans A, B, C and D with Parts A, B, C and D of Medicare.

Please contact us at 877-734-3884 (TTY: 711) for more information about Medicare Supplement plans and for quotes on particular plans from specific carriers. Depending on your state of residence, we represent many of the carriers offering these plans. Availability and pricing vary by state of residence and other factors listed below.

Medicare Supplement plans are different than Medicare Advantage plans and a beneficiary can NOT have both types of plans.

Medicare Supplement plans presently available for purchase don't offer coverage for outpatient prescription drugs (nor does Original Medicare), so you must purchase separate Medicare drug coverage (Part D) if you want such coverage.

Medicare Supplement plans are identified by letters (Plans A, B C, D, F, G, K, L, M and N) except in Massachusetts, Minnesota, and Wisconsin. (Plans Hi Deductible F and Hi Deductible G are variants of plans F and G respectively that have annual deductibles. Standardized plans may also be offered in what is called a Medicare SELECT version.)

Note: Plans C, F and Hi Deductible F are no longer available to Medicare-eligibles born January 1,1955 or later who first become eligible for Medicare Part A December 1, 2019 or later. Plan G offers the most benefits to such beneficiaries, and a new Plan Hi Deductible G is now available. Individuals with birthdays before January 1, 1955 who first became eligible for Medicare Part A BEFORE January 1, 2020 are still permitted to purchase Plans C, F, or Hi Deductible F.

Each Medicare Supplement plan with the same letter must offer the same basic benefits, no matter what insurance company sells it.

Medicare Supplement policies sold by insurance companies differ by cost, underwriting criteria, value added benefits, and customer service. Premiums generally vary by age, sex, tobacco usage and zip code. Some carriers have a single "unisex" rate for both genders, and some have separate rates for males and females.

Medicare Supplement insurance companies must follow federal and state laws. A Medicare Supplement policy covers only one person. If a married couple wants Medicare Supplement coverage, they must buy separate Medicare Supplement policies.

Depending on the state, some carriers offer a discount if both spouses purchase a policy (this is called a "spousal discount") from that carrier, and a few carriers offer a "household discount." A "household discount" reduces the premium for a single policyholder if that person lives with a person of a certain age (usually age 60 or older); rules differ between carriers regarding whether that other person must purchase a policy, and some carriers have additional requirements to qualify for a household discount.

Neither type of discount is available in some states.

Some carriers offer a discount if premiums are paid by electronic funds transfer.

The 2023 version of Choosing a Medigap Policy: A Guide to Insurance for People with Medicare is the current and official government publication that explains Medigap policies. This publication is updated annually after the changes to Medicare for the next year are announced.

Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY 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 separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) 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-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles 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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877-734-3884 (TTY 711)