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Medicare · Florida, Georgia & Texas
Medicare plans, explained in plain language.
I compare Medicare Advantage, Medicare Supplement and Part D plans from several insurance companies and help you choose what fits your doctors, prescriptions and budget. I’m licensed and appointed for Medicare plans in Florida, Georgia and Texas. My help is free.
Or call (904) 612-3757 to schedule.
5.0 from 63 Google reviewsUpdated for 2027 Annual Enrollment · Reviewed October 2026
Ankur Mehta is a licensed, independent insurance agent. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
The basics
The four parts of Medicare.
Part AHospital insurance
Inpatient hospital stays, skilled nursing facility care after a qualifying hospital stay, hospice and some home health care.
Part BMedical insurance
Doctor visits, outpatient care, lab work, preventive services and medical equipment.
Part CMedicare Advantage
Private plans that bundle Parts A and B, and usually D, into one plan with its own network and costs.
Part DPrescription drugs
Drug coverage from private plans. Each plan has its own list of covered drugs and pharmacy network.
Your plan options
The Medicare plans I help you compare.
After Parts A and B, you choose how the rest of your coverage works. These are the main options.
Medicare AdvantagePart C
All-in-one plans from private insurance companies that replace Original Medicare. Most use an HMO or PPO network, have copays, and cap your yearly out-of-pocket costs for covered services. Many include drug coverage plus dental, vision and hearing benefits.
Medicare SupplementMedigap
Policies that work alongside Original Medicare to pay some or all of your deductibles, copays and coinsurance. You can see any doctor or hospital in the U.S. that accepts Medicare. Plans are standardized by letter, such as Plan G and Plan N, so the benefits of each letter are the same from company to company; the price is what differs.
Part D drug plansPrescription coverage
Stand-alone drug plans that pair with Original Medicare and a Supplement. Each plan has its own drug list, tiers and pharmacy network. In 2026, your out-of-pocket costs for covered drugs are capped at $2,100 for the year, rising to $2,400 in 2027.
Special Needs PlansSNPs
Medicare Advantage plans built for specific groups: Dual Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid, Chronic Condition plans (C-SNPs) for conditions such as diabetes or heart failure, and Institutional plans (I-SNPs) for people living in a nursing home. I check whether you qualify.
Carriers
Medicare plans from many companies, compared in one place.
See all 23 insurance company logos
I work with Aetna, Ameritas, Ambetter, Anthem Blue Cross and Blue Shield, AvMed, CarePlus, Cigna, Devoted Health, Florida Blue, Freedom Health, Gold Kidney Health Plan, HealthSpring, Health First, Humana, Molina, Oscar, Optimum HealthCare, Simply Healthcare, Solis Health Plans, Ultimate Health Plans, UnitedHealthcare, Wellcare and Wellpoint. Not every carrier offers every plan type in every county. I’ll compare the plans available in your county and explain the differences.
Free help getting started
More than plan comparisons.
These services are free, whether or not you enroll in a plan through me.
Parts A and B enrollmentSigning up for Original Medicare
I help you apply for Medicare Parts A and B, pick the right start date and complete the forms you need if you’re leaving employer coverage.
Medicaid eligibility reviewHelp with costs
I check whether you may qualify for Medicaid, a Medicare Savings Program that helps pay your Part B premium, or Extra Help with prescription costs.
Plan review every yearAnnual check-in
Each fall I compare your current plan with next year’s options and make sure it still fits your doctors, prescriptions and budget.
Compare
Medicare Advantage or Medicare Supplement?
One of the most important Medicare decisions is choosing how you receive your Medicare coverage. Here’s how the two paths differ.
| Medicare Advantage (Part C) | Original Medicare + Supplement | |
|---|---|---|
| How it works | An all-in-one plan from a private insurance company that replaces Original Medicare. | Original Medicare pays first, and a Medigap policy helps pay what’s left. |
| Doctors | Usually a network (HMO or PPO). Check that your doctors are included. | Any doctor or hospital in the U.S. that accepts Medicare. |
| Monthly premium | Often low or $0, on top of your Part B premium. | You pay a premium for the Supplement, plus Part B. |
| Costs when you get care | Copays and coinsurance, up to a yearly out-of-pocket maximum. | Most costs are covered, depending on the plan letter you choose. |
| Prescriptions | Most plans include Part D drug coverage. | Add a separate Part D plan. |
| Extras | Many plans include dental, vision and hearing benefits. | Generally not included. |
| Travel | Coverage outside your area may be limited to emergencies. | Works anywhere in the U.S. that accepts Medicare. |
Plan benefits, premiums and networks vary by plan and by county. I’ll show you the actual plans available where you live.
Medicare enrollment
When you can enroll or change plans.
Missing an enrollment window can mean waiting months for coverage or paying a late penalty that lasts for life.
| Enrollment period | When | What you can do |
|---|---|---|
| Initial Enrollment Period | 7 months: the 3 months before the month you turn 65, your birthday month, and the 3 months after | Sign up for Parts A and B, and choose a Medicare Advantage or Part D plan. |
| Annual Enrollment Period | October 15 – December 7 | Switch, join or drop a Medicare Advantage or Part D plan. Changes start January 1. |
| Medicare Advantage Open Enrollment | January 1 – March 31 | If you’re in a Medicare Advantage plan, switch to another one or return to Original Medicare, once. |
| General Enrollment Period | January 1 – March 31 | Sign up for Parts A and B if you missed your Initial Enrollment Period. Coverage starts the next month, and late penalties may apply. |
| Medigap Open Enrollment | 6 months, starting the month you’re 65 or older and enrolled in Part B | Buy any Medicare Supplement policy sold in your state without answering health questions. |
| Special Enrollment Periods | After certain life events | Retiring from employer coverage, moving and some other changes let you enroll or switch outside the usual windows. |
Turning 65? See my step-by-step Medicare timeline. Getting ready for Annual Enrollment? Read my 7-step Annual Enrollment checklist.
Working past 65
Still working at 65? Compare before you decide.
Many people keep their employer health plan after 65, and sometimes that’s the right choice. Other times Medicare costs less or covers more. The rules depend on the size of your employer, so I’ll look at both options with you before you decide.
Employer with 20 or more employeesYour employer plan pays first
You can usually wait to sign up for Part B, with no penalty, while you or your spouse are still working and covered by that plan. Many people still take premium-free Part A.
Employer with fewer than 20 employeesMedicare usually pays first
You generally need to sign up for Parts A and B when you’re first eligible, or your employer plan may not pay your claims. Check with your benefits office, and I’ll help you confirm.
Health Savings Account (HSA)Plan ahead
You can’t add money to an HSA once you have any part of Medicare. Part A can start up to 6 months before the date you sign up, so stop HSA contributions 6 months before you enroll.
Prescription coverageIs it creditable?
If your employer drug coverage is at least as good as Medicare’s (creditable), you can wait to join a Part D plan. Your plan mails a yearly notice that tells you. Keep it.
When you stop workingYou have 8 months
After your job or your employer coverage ends, whichever comes first, you have an 8-month Special Enrollment Period to sign up for Part B without a penalty. COBRA and retiree coverage don’t extend this deadline. To avoid a Part D penalty, join a drug plan within 63 days after your employer drug coverage ends.
Employer plan or Medicare: what I compare.
| Staying on your employer plan | Switching to Medicare | |
|---|---|---|
| Monthly cost | Your share of the premium, which can go up when you cover a spouse. | The Part B premium ($202.90 in 2026), plus a Supplement or Medicare Advantage plan and Part D. |
| Deductibles and out-of-pocket costs | Your plan’s deductible, copays and yearly out-of-pocket limit. | A Supplement covers most costs. A Medicare Advantage plan has copays and a yearly out-of-pocket limit. |
| Doctors | Your employer plan’s network. | Any doctor that accepts Medicare with a Supplement, or the plan’s network with Medicare Advantage. |
| Prescriptions | Your employer plan’s drug list and pharmacy costs. | A Part D or Medicare Advantage drug list, with a yearly cap on covered drug costs ($2,400 in 2027). |
| Spouse and children | Can often stay on your plan. | Medicare covers only you. A spouse under 65 needs their own coverage. |
Every employer plan is different. Bring your plan’s benefit summary and I’ll compare it with Medicare for you, free.
Your protections
Guaranteed issue rights and your Medicare Advantage trial period.
Outside your Medigap Open Enrollment Period, Medicare Supplement companies can usually ask health questions and may turn you down. In the situations below, federal law gives you a guaranteed issue right: the company must sell you certain Medicare Supplement plans, cover your pre-existing conditions and can’t charge you more because of your health. Most of these rights end 63 days after your other coverage ends, so call me as soon as you know about a change.
You tried Medicare Advantage at 65Medicare Advantage trial period
If you joined a Medicare Advantage plan when you first became eligible for Medicare at 65, you can switch to Original Medicare within the first 12 months and buy any Medicare Supplement plan sold in your state.
You left a Supplement to try Medicare AdvantageTrial right
If you dropped a Medicare Supplement to join a Medicare Advantage plan for the first time, you can go back within the first 12 months. You can get your old policy back if the company still sells it, or buy certain other Supplement plans.
Your employer or union coverage endsGuaranteed issue right
If you have Original Medicare and the employer or union coverage that pays after Medicare ends, you can buy certain Supplement plans. For most people new to Medicare, that includes Plans A, B, D, G, K and L.
Your Medicare Advantage plan leaves or you moveGuaranteed issue right
If your plan stops serving your area or leaves Medicare, or you move out of its service area, you can return to Original Medicare and buy certain Supplement plans.
Your Supplement company fails or misleads youGuaranteed issue right
If your insurance company goes bankrupt, or it broke the rules or misled you, you can buy another policy.
These are the federal protections. Timing and plan choices depend on your situation, and some states add more. Source: Choosing a Medigap Policy (Medicare.gov).
Updated for 2027
2026 and 2027 Medicare costs at a glance.
These are the standard amounts set by Medicare. The 2027 Part D amounts are official. The remaining 2027 amounts are coming soon and will be posted here as soon as Medicare announces them, usually in November. Higher-income beneficiaries pay more for Part B and Part D (IRMAA).
| Cost | 2026 amount | 2027 amount |
|---|---|---|
| Part B standard monthly premium | $202.90 | Coming soon |
| Part B yearly deductible | $283 | Coming soon |
| Part A hospital deductible | $1,736 per benefit period | Coming soon |
| Part A hospital coinsurance | $434 a day for days 61–90; $868 a day for lifetime reserve days | Coming soon |
| Skilled nursing facility coinsurance | $217 a day for days 21–100 | Coming soon |
| Part A premium | $0 for most people who worked and paid Medicare taxes for at least 10 years | Coming soon |
| Part D out-of-pocket cap | $2,100 for covered drugs | $2,400 for covered drugs |
| Part D maximum yearly deductible | $615 | $700 (some plans charge less or no deductible) |
Sources: CMS 2026 Medicare Parts A & B premiums and deductibles and Medicare.gov 2026 Medicare costs. 2027 Part D amounts: CMS CY 2027 Rate Announcement.
Avoid costly mistakes
What I check before you enroll.
Late penalties
Signing up for Part B or Part D late, without other creditable coverage, can mean a penalty that lasts for as long as you have that coverage.
Your doctors
I confirm your doctors and hospitals are in the plan’s network before you choose a Medicare Advantage plan.
Your prescriptions
I run your exact medications and pharmacy through each plan, so you see what you’ll really pay.
Yearly changes
Plans change every year. Each fall I review your Annual Notice of Change with you and compare it to what’s new.
Questions
Common Medicare questions.
Does it cost anything to work with you?
No. My help is free. I’m paid by the insurance companies, and your premium is the same whether you enroll with me or on your own.
Can I keep my doctors?
With a Medicare Supplement plan, you can see any doctor who accepts Medicare. With Medicare Advantage, most plans use a network, so I check your doctors against each plan before you choose.
When can I change my Medicare plan?
Most people switch during Annual Enrollment, October 15 to December 7. If you’re in a Medicare Advantage plan, you can also make one change from January 1 to March 31. Some life events, like moving or losing other coverage, open a Special Enrollment Period.
Do I need a Part D plan if I don’t take any medications?
Often, yes. If you go without Part D or other creditable drug coverage when you’re first eligible, you may pay a late enrollment penalty for as long as you have Part D.
When is the best time to buy a Medicare Supplement plan?
Your Medigap Open Enrollment Period lasts six months and starts the month you’re 65 or older and enrolled in Part B. During that window, insurance companies can’t turn you down or charge you more because of your health.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage plans replace Original Medicare with an all-in-one plan from a private insurance company, usually with a provider network, copays and a yearly out-of-pocket limit, and often drug, dental and vision coverage. A Medicare Supplement (Medigap) policy works alongside Original Medicare to help pay deductibles and coinsurance, lets you see any provider nationwide who accepts Medicare, and is usually paired with a separate Part D drug plan.
Can you help me sign up for Medicare Parts A and B?
Yes, at no cost. I’ll walk you through applying for Parts A and B, including the timing and forms if you’re leaving employer coverage, so your coverage starts on time.
Could I qualify for Medicaid or extra help with costs?
Possibly. I review your situation for Medicaid, Medicare Savings Programs and Extra Help with drug costs. If you qualify, it can lower your premiums and out-of-pocket costs and open up more plan choices.
I’m still working at 65. Do I need to sign up for Medicare?
It depends on the size of your employer. If your employer has 20 or more employees, you can usually wait to sign up for Part B without a penalty while you’re covered by your job’s plan. If it has fewer than 20, Medicare usually pays first, so you generally need Parts A and B. I’ll compare your employer plan with Medicare and help you pick the right timing.
Can I switch from Medicare Advantage back to a Medicare Supplement?
Sometimes. If you joined Medicare Advantage when you first became eligible at 65, or you left a Supplement to try Medicare Advantage for the first time, you have a 12-month trial period to go back with a guaranteed issue right. Outside those rights, you may have to answer health questions. I’ll check your options before you make a change.
Do you only work with people in Florida?
No. I’m licensed in Florida, Georgia and Texas, and I help clients throughout all three states.
Free consultation
Let’s make Medicare simple.
You don’t have to figure everything out on your own.
Whether you’re turning 65, reviewing your current plan, retiring or helping a family member, let’s talk through your situation and the options available to you.
Free consultation. No obligation. No pressure.