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From Palm Beach County, FL

Enroll in a Medicare Plan
From Palm Beach County, FL

Questions? Call us at:

Hours: 8 a.m. to 8 p.m., 7 days a week.

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What is Medicare?

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Medicare Resources

In South Florida, most Medicare Advantage plans include prescription drug coverage and have no additional premiums. Our licensed, certified agent represents most PPO and HMO Medicare Advantage Plans and Medicare Supplements (Medigap Plans) that are available in South Florida.

Questions? Call us at:

Hours: 8 a.m. to 8 p.m., 7 days a week.

Medicare advantage enrollment
Drug coverage Martin County
Medicare plans Palm Beach County
Medicare part d
Medicare part a
Medicare part c

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Complete this form and a local sales agent will contact you.

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By submitting this form, you agree that a South Florida Medicare sales representative may contact you about Medicare Advantage or Part D plans.

Medicare Resources has all of the most current Medicare information

A handy link to an unabridged PDF version of the Medicare and You handbook

Resources to help paying for Medicare costs

A guide to Medicare savings programs

Resources to help pay for prescription drugs

What is Medicare?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure
    requiring dialysis or a transplant, sometimes called ESRD)

The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Medicare Advantage Plans)

A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include:

  • Health Maintenance Organizations
  • Preferred Provider Organizations
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

If you’re enrolled in a Medicare Advantage Plan:

  • Most Medicare services are covered through the plan
  • Medicare services aren’t paid for by Original Medicare
    Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Part D (prescription drug coverage)

Part D adds prescription drug coverage to:

  • Original Medicare
  • Some Medicare Cost Plans
  • Some Medicare Private-Fee-for-Service Plans
  • Medicare Medical Savings Account Plans

These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare prescription Drug Plans.

Medicare Supplement Insurance (Medigap)

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap policies are sold by private insurance companies. Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here’s what happens:

  • Medicare will pay its share of the Medicare-approved amount for
    covered health care costs.
  • Then, your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. A Medicare Advantage Plan is a health plan; not an insurance policy. Those plans provide Medicare benefits, while a Medigap policy supplements your Original Medicare benefits.

(This is a very important distinction and Jeff Rothstein will fully explain what this means during a no cost, complementary Medicare Review)

Important Information for Medigap Policies

1. You must have Medicare Part A and Part B.

2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy. But, make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.

3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.

4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.

5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.

6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

7. Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

For a No Cost or Obligation Medicare Quote

Contact Information

South Florida Medicare is a locally run business helping seniors understand their Medicare rights, benefits, and options. There is no cost for our services. Please contact us today to speak to a local Medicare advocate and get the coverage you deserve.

Address: 9193 Pecky Cypress Lane Boca Raton, FL 33428

Phone: (561) 268-0697