Services
Know the difference between Medicare Advantage, Medicare Supplement, and Prescription Drug Plans (PDP).
Medicare can feel like a maze. Here are the three plans I help South Florida seniors choose between — and how I make picking one simple.
All-in-one coverage that travels with you.
Medicare Advantage (Part C) bundles your Part A, Part B, and usually Part D drug coverage into one plan — plus extras like dental, vision, hearing, and a monthly OTC allowance.
What it is
A private alternative to Original Medicare with an annual out-of-pocket cap. Most plans use a network — usually fine if your doctors are in it. Drug coverage is built in. Many include extras Original Medicare won't pay for: dental cleanings, eyeglasses, hearing aids, fitness memberships.
How I help
I'm appointed with every major Medicare Advantage carrier in South Florida — Humana, UnitedHealthcare/AARP, Aetna, Solis, Doctors Healthcare, Preferred Care, and more. I check your doctors and prescriptions against each plan and handle all the enrollment paperwork.
Predictable costs. Any doctor who takes Medicare.
A Medicare Supplement (Medigap) plan pairs with Original Medicare to cover what Medicare leaves you on the hook for — deductibles, copays, the 20% Part B coinsurance. You pay a monthly premium, but your medical bills are mostly handled. No networks, no referrals.
What it is
Standardized plans (Plan G, Plan N, others) sold by private carriers but identical in benefits — only the price differs. Use any provider that accepts Medicare nationwide. Best if you travel, want maximum freedom, or have providers outside Advantage networks. Drug coverage is separate (Part D).
How I help
Since the benefits are identical, all that matters is finding the lowest-priced carrier in your zip code — and predicting which carriers raise rates least over time. I quote every Medigap carrier licensed in Florida and pair it with the right Part D plan for your exact medications.
Lower copays. The plan that actually covers your meds.
Medicare Part D is prescription drug coverage. Every Part D plan has its own list of covered drugs and tiers — which is why the same prescription can cost $4 on one plan and $80 on another. The 2025 out-of-pocket cap is now $2,000 a year.
What it is
Stand-alone Prescription Drug Plans for people on Original Medicare or Medigap. Each plan has its own monthly premium, deductible, and tier-based copays. Picking the wrong plan can mean paying hundreds more per year for the exact same medications.
How I help
Bring me your medication list. I'll run every Part D plan in your zip code through Medicare's formulary checker and show you the total annual cost — premium plus copays — for each. We pick the one that costs least for your exact prescriptions.
Not sure which plan is right? Let's figure it out together.
A 30-minute call. Phone, video, or in your home. Hablamos español.
📞 (305) 979-6232
Book a free call