Medicare · Licensed in Florida, Georgia & Texas
Medicare plans, explained in plain language.
I’m a licensed, independent Medicare agent serving all of Florida, Georgia and Texas. I compare Medicare Advantage, Medicare Supplement and Part D plans from several insurance companies and help you understand which options fit your doctors, prescriptions and budget. I also help you sign up for Parts A and B and check whether you qualify for Medicaid. My help is free.
5.0 from 56 Google reviewsThe 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.
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.
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.
Ankur was very helpful in helping me select my Medicare health plan. Also very professional and informative. Highly recommend him.
Ankur has made it so easy to sign up and to understand any and all changes, I was lost before I found his help, I highly recommend there services, they have the answers to all your needs
Referred to me by mom and now I will refer Ankur to anyone that needs help with their Medicare benefits. A pleasure !
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.
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.
Have questions about Medicare or your health insurance options? Let’s talk through your situation and see what options are available.
Free consultation. No obligation. No pressure.