Medicare is federal health insurance for most people 65+ and some under 65 with disabilities. It has four parts:
Part A (Hospital): Inpatient hospital, skilled nursing facility, some home health and hospice. Usually premium-free if you paid Medicare taxes.
Part B (Medical): Doctor visits, outpatient care, labs, preventive services. Monthly premium; late enrollment penalties may apply if you delay without other creditable coverage.
Part C (Medicare Advantage): Private plans that bundle Parts A and B, often Part D and extras. You still pay your Part B premium. See next section.
Part D (Prescription Drugs): Private drug plans with pharmacy networks and formularies. Penalties can apply if you go without creditable drug coverage after eligibility.
Eligibility: Most qualify at 65 (based on work record) or after 24 months of SSDI or with ESRD/ALS. Enrollment timing matters—see Enrollment Periods below.
Costs at a glance: Part A deductible, Part B premium and deductible, and cost-sharing (copays/coinsurance). Advantage plans have max out-of-pocket limits; Medigap helps pay Original Medicare’s gaps. Drug costs vary by plan tier and pharmacy.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Part A (Hospital): Inpatient hospital, skilled nursing facility, some home health and hospice. Usually premium-free if you paid Medicare taxes.
Part B (Medical): Doctor visits, outpatient care, labs, preventive services. Monthly premium; late enrollment penalties may apply if you delay without other creditable coverage.
Part C (Medicare Advantage): Private plans that bundle Parts A and B, often Part D and extras. You still pay your Part B premium. See next section.
Part D (Prescription Drugs): Private drug plans with pharmacy networks and formularies. Penalties can apply if you go without creditable drug coverage after eligibility.
Eligibility: Most qualify at 65 (based on work record) or after 24 months of SSDI or with ESRD/ALS. Enrollment timing matters—see Enrollment Periods below.
Costs at a glance: Part A deductible, Part B premium and deductible, and cost-sharing (copays/coinsurance). Advantage plans have max out-of-pocket limits; Medigap helps pay Original Medicare’s gaps. Drug costs vary by plan tier and pharmacy.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Advantage plans are offered by private insurers and include all Part A and B benefits, often with Part D and extras like dental/vision/hearing, OTC allowances, and fitness perks. Most use networks (HMO, PPO) and a referral/authorization process.
Highlights: Monthly premiums can be low; one member ID card; predictable copays; annual maximum out-of-pocket (MOOP) for Part A/B services.
Considerations: Network and prior authorization rules; costs can vary by service; providers and drug formularies may change annually.
Good fit: You prefer managed care with networks and built-in extras.
Next step: We’ll check your doctors, drugs, and preferred pharmacies across multiple carriers serving Central Florida.
Highlights: Monthly premiums can be low; one member ID card; predictable copays; annual maximum out-of-pocket (MOOP) for Part A/B services.
Considerations: Network and prior authorization rules; costs can vary by service; providers and drug formularies may change annually.
Good fit: You prefer managed care with networks and built-in extras.
Next step: We’ll check your doctors, drugs, and preferred pharmacies across multiple carriers serving Central Florida.
Medigap plans work with Original Medicare (Parts A & B) to help pay deductibles, coinsurance, and copays. Benefits are standardized by plan letter (e.g., G, N) and accepted by any provider that takes Medicare—no networks.
Highlights: Broad nationwide access; predictable, low out-of-pocket costs for covered services; portability when you travel or move.
Considerations: Monthly premiums; separate Part D is needed; medical underwriting may apply if you enroll outside your Medigap Open Enrollment or guaranteed-issue rights.
Good fit: You want maximum provider freedom and predictable costs.
Timing: Best time is your 6-month Medigap Open Enrollment (starts when Part B is active). Certain events create guaranteed-issue rights.
Highlights: Broad nationwide access; predictable, low out-of-pocket costs for covered services; portability when you travel or move.
Considerations: Monthly premiums; separate Part D is needed; medical underwriting may apply if you enroll outside your Medigap Open Enrollment or guaranteed-issue rights.
Good fit: You want maximum provider freedom and predictable costs.
Timing: Best time is your 6-month Medigap Open Enrollment (starts when Part B is active). Certain events create guaranteed-issue rights.
Part D plans vary by formulary (covered drugs), tiers, and preferred pharmacies. Costs include premiums, deductibles, and copays/coinsurance by tier, and may change annually.
What matters: Your exact medications, dosage, and preferred pharmacy. We run comparisons to identify lower-cost options and avoid coverage gaps.
Tip: Review your Part D annually during AEP to capture savings.
What matters: Your exact medications, dosage, and preferred pharmacy. We run comparisons to identify lower-cost options and avoid coverage gaps.
Tip: Review your Part D annually during AEP to capture savings.
IEP (Initial Enrollment Period): 7-month window around your 65th birthday (or Part B start) to enroll in A and/or B and select Part D or an Advantage plan.
AEP (Annual Election Period): Oct 15–Dec 7. Switch Medicare Advantage and/or Part D plans for Jan 1 start.
OEP (Open Enrollment Period): Jan 1–Mar 31. If you’re on an MA plan, you can make one change to another MA plan or go back to Original Medicare (with or without Part D).
SEPs (Special Enrollment Periods): Triggered by events like losing employer coverage, moving, Extra Help, or plan/contract changes. Timelines vary—ask us for guidance.
Examples: Retiring mid-year? You may get an SEP to enroll in Part B and a drug plan. Moving counties? You may change MA or Part D.
AEP (Annual Election Period): Oct 15–Dec 7. Switch Medicare Advantage and/or Part D plans for Jan 1 start.
OEP (Open Enrollment Period): Jan 1–Mar 31. If you’re on an MA plan, you can make one change to another MA plan or go back to Original Medicare (with or without Part D).
SEPs (Special Enrollment Periods): Triggered by events like losing employer coverage, moving, Extra Help, or plan/contract changes. Timelines vary—ask us for guidance.
Examples: Retiring mid-year? You may get an SEP to enroll in Part B and a drug plan. Moving counties? You may change MA or Part D.
We make Medicare simple and local:
- Personal review of your needs, doctors, and medications
- Side-by-side plan comparisons across multiple carriers
- Provider and drug lookup to avoid surprises
- Enrollment support and annual reviews at no cost
Yes, Medigap does not include drug coverage. You’ll typically pair Medigap with a standalone Part D plan to avoid penalties and to cover prescriptions.
Sometimes. If you’re outside guaranteed-issue rights, you may need medical underwriting for Medigap. We’ll review your timing and options.
If you delay Part B without creditable coverage, a permanent penalty may be added to your Part B premium. Certain SEPs can prevent it.
Each plan’s formulary lists covered drugs by tier with different copays or coinsurance. Preferred pharmacies can also reduce costs.
Many MA plans include limited dental, vision, or hearing benefits. Details vary by plan and county; we’ll compare options for you.
MOOP is the annual maximum out-of-pocket for Part A/B services on MA plans. It caps your medical spend for the year.
We verify your providers and facilities in-network for MA plans, or confirm they accept Medicare for Medigap.
Have questions or ready to compare plans? Call (352) 342-4567 or email Tifiany@Huntingtoninsurancellc.com.
No-cost consultations. Local guidance from Huntington Insurance LLC.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
No-cost consultations. Local guidance from Huntington Insurance LLC.
Not connected with or endorsed by the U.S. government or the federal Medicare program.