Original Medicare only
Parts A & B
- Monthly premium
- Part B premium
- Doctor choice
- Any Medicare provider
- Referrals needed
- No
- Yearly out-of-pocket cap
- None
- Prescription drugs
- Not included
- Dental, vision, hearing
- Not included
Licensed Florida agents since 2011
Medicare, explained by neighbors who pick up the phone.
Free, no-pressure help comparing Medicare plans across Sarasota, Manatee and Charlotte counties.
- $0 cost for our help
- TTY 711
- Annual Enrollment opens Oct 15
"Explained Parts A through D better than any website."
6,400+Suncoast neighbors helped since 2011
- Florida licensed agencyFlorida agency license #L000000 (demo)
- AHIP certified advisorsRenewed for the 2027 plan year (sample)
- 14 carriers, one advisorAppointed with carriers, loyal to you
- 4.9 out of 5 ratingFrom 1,284 client reviews
- $0 for our helpCarriers pay us, your premium is the same
Our help costs you nothing. Not now, not later.
Carriers pay us when you enroll, and your premium is exactly the same as going direct. You keep a local advisor for as long as you have Medicare.
- No fees for quotes, enrollment or reviews
- Carrier-neutral advice across 14 carriers
- The same advisor in January and October
Coverage options we help you compare
Every plan type, explained without jargon. Choose one to see costs, what's included and common questions.
Parts A & BOriginal Medicare (Parts A & B)The federal foundation every other plan builds on.Best for: People who want nationwide provider freedom and plan to add a Supplement and Part D.Explore this plan
Part CMedicare Advantage (Part C)One card for hospital, medical and usually drugs, with extras built in.Best for: People who stay local most of the year, like predictable copays and want extra benefits.Explore this plan- MedigapMedicare Supplement (Medigap)Predictable costs and the freedom to see any Medicare provider.Best for: People who travel, see specialists often or want to budget with almost no surprises.Explore this plan
Part DPart D Prescription Drug PlansPharmacy coverage that fits the medications you actually take.Best for: Anyone on Original Medicare or a Supplement, even if you take few prescriptions today.Explore this plan
Part C SNPSpecial Needs Plans (SNPs)Advantage plans designed around specific health and income needs.Best for: People with both Medicare and Medicaid, or conditions such as diabetes, heart failure or COPD.Explore this plan
Extra benefitsDental, Vision & Hearing CoverageRoutine care Original Medicare does not pay for.Best for: People on a Medicare Supplement, or anyone who needs more dental coverage than their plan offers.Explore this plan
Supplement or Advantage? See the trade-offs.
The decision most people struggle with, side by side.
See the full comparison| Feature | Original Medicare onlyParts A & B | Medicare Supplement + Part DMedigap + drug plan | Medicare AdvantagePart C, usually with drugs |
|---|---|---|---|
| Monthly premium | Part B premium | Part B + Supplement + Part D | Part B, plan often $0 |
| Doctor choice | Any Medicare provider | Any Medicare provider | Plan network (HMO or PPO) |
| Referrals needed | No | No | Often, on HMOs |
| Yearly out-of-pocket cap | None | Effectively capped by plan | Yes, set by plan |
| Prescription drugs | Not included | Through Part D | Included in most plans |
| Dental, vision, hearing | Not included | Separate policy | Often included |
Swipe to see all three options
Medicare Supplement + Part D
Medigap + drug plan
- Monthly premium
- Part B + Supplement + Part D
- Doctor choice
- Any Medicare provider
- Referrals needed
- No
- Yearly out-of-pocket cap
- Effectively capped by plan
- Prescription drugs
- Through Part D
- Dental, vision, hearing
- Separate policy
Medicare Advantage
Part C, usually with drugs
- Monthly premium
- Part B, plan often $0
- Doctor choice
- Plan network (HMO or PPO)
- Referrals needed
- Often, on HMOs
- Yearly out-of-pocket cap
- Yes, set by plan
- Prescription drugs
- Included in most plans
- Dental, vision, hearing
- Often included
Turning 65 and how we work
7-month enrollment windowTurning 65? Here's your checklist.
Four simple milestones keep you on time and clear of lifelong penalties.
6 months before
Gather your details
Doctors, prescriptions, employer coverage letters and your Social Security login.
3 months before
Your window opens
Apply for Parts A and B so coverage can start on your birthday month.
Birthday month
Choose your coverage
Pick a Supplement and Part D, or a Medicare Advantage plan.
After enrolling
Check your cards
Confirm your effective dates and cancel any marketplace plan.
About an hour of your timeHow working with us goes
No sales pitch. A clear plan, and a local advisor who stays with you.
A relaxed first conversation
We learn about your doctors, prescriptions, travel and budget. Phone, video, our office or your kitchen table.
An honest side-by-side
We compare the plans we offer in your county and show total yearly cost, not just the premium.
Enrollment done with you
We handle the application and confirm your ID cards and start dates arrive.
A review every fall
Each October we recheck your plan against next year's changes. Still free.
Trusted by 6,400 Suncoast neighbors
Real words from clients in Sarasota, Venice, Bradenton and beyond. Filter by the topic that matters to you.
Read all 1,284 reviews- Turning 65
Marisol sat at our kitchen table and explained Parts A through D better than any website. We left with a plan and zero stress.
Carol and Jim Beckwith - Medicare Advantage
We moved from New Jersey and my old plan stopped working here. They found a plan with my new cardiologist in one afternoon.
Luis Echeverria - Medicare Supplement
Dwayne compared six Plan G carriers and showed me their rate history. I am saving $38 a month for the same coverage.
Doreen Pascoe - Turning 65
I was about to take COBRA. Kenji explained why that would have cost me a Part B penalty. Grateful doesn't cover it.
Harold Nakamura - Part D
My inhaler was costing $140 a month. After Kenji ran my list, I switched plans and now pay $47.
Bernadette Oyelaran - Medicare Advantage
Patient, honest and they actually came out to Englewood. The only wait was for the carrier to mail my card.
Frank Dellorusso - Medicare Supplement
Emmanuel called me in October before I even remembered it was enrollment time. That kind of follow-up is rare.
Maureen Kilbride - Medicare Advantage
The seminar at the community center was clear and nobody pushed us. We booked a follow-up on our own.
Reggie and Ann Talbot - Part D
They helped my mother apply for Extra Help. Her drug costs dropped to a few dollars a month.
Sunita Mehra
No-cost services
Three ways to get free Medicare help this fall
There is never an obligation to enroll, and nothing to pay.
See seminar dates
Free serviceAnnual plan review
We recheck your doctors, prescriptions and total costs against next year's plan changes.
Free seatMedicare 101: Turning 65 in Florida
Tuesday, Oct 6 at the Gulf Gate library meeting room, Sarasota. Coffee is on us.
Free checkPrescription cost check
Send us your drug list and we estimate your yearly cost on the Part D plans we offer.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Local to the Suncoast
Plans are priced by county, so local knowledge matters. Meet us at the office, a library near you or your kitchen table.
All locationsMedicare help in Sarasota
- Downtown office and Gulf Gate library meeting room
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Sarasota County
Medicare help in Bradenton
- Bradenton library community room
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Manatee County
Medicare help in Venice
- Venice community center meeting room
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Sarasota County
Medicare help in Lakewood Ranch
- Lakewood Ranch library meeting room
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Manatee & Sarasota counties
Medicare help in North Port
- North Port library meeting room
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Sarasota County
Medicare help in Englewood
- Englewood community center
- Mon-Fri 8am-8pm, Sat 9am-2pm ET
- Home visits across Sarasota & Charlotte counties
Questions we answer every day
Can't find yours? Call and ask. There are no silly Medicare questions.
Your Initial Enrollment Period is seven months long: the three months before your 65th birthday month, your birthday month, and the three months after. Use our IEP calculator on the Turning 65 page to see your exact dates.
It depends on your doctors, travel, budget and health. Supplements offer freedom and predictable costs with a higher premium. Advantage plans have lower premiums and extras, with networks and copays. Our comparison page lays it out side by side.
No. We are paid by the insurance carriers when you enroll, and your premium is the same whether you use us or go directly to the carrier.
If you go without Part B or qualifying employer coverage after your IEP, you pay 10 percent more for each full 12-month period you could have had Part B. The penalty lasts as long as you have Part B.
No. We are appointed with 14 carriers and do not offer every plan available in your area. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE.
Talk to a local advisor today
Free, no-pressure help comparing the plans we offer in your county. Most calls take about 20 minutes.
Licensed agents. TTY 711. Mon-Fri 8am-8pm, Sat 9am-2pm ET.
