Would You Like to use a Medicare Broker near you in Florida to show you how to sign up for medicare? Using a broker is extremely important before turning 65 or if you are retiring and leaving your company health plan.

If yes, I am your Florida Medicare Broker to help you know when and how to sign up for Medicare, review Medicare Options, and Choose and Enroll in a Medicare Plan. With my help I will Make Medicare Easy!

A Medicare Agent-Broker Near You to Trust

My clients appreciate my honest recommendations and truthful service in finding a Medicare plan that best fits their needs and budget.

I pledge to treat you as a family member and Make Medicare Easy!

Here’s When & How to Sign Up for Medicare and What you Need to Know about Medicare

When and How do I sign up for Medicare?

When does your Medicare start?

You should begin preparing to enroll in Medicare three or four months before you turn 65. Three months before you turn 65 begins your Initial Medicare Enrollment Period (IEP). You may also apply for a Medicare Card as many as four months before you turn 65, which is recommended. The sooner you receive your Medicare card, the sooner you can apply for Medicare, effective the first day of the month you turn 65. (If you turn 65 on the first day of the month, then the effective date is the first day of the previous month – call me to clarify further)

Getting an early start to sign up for Medicare is essential, as this process can take up to six weeks or longer. A Medicare card is necessary to apply for a Medicare Plan.

What is the Initial Medicare Enrollment Period (IEP)?

The IEP is seven months long, beginning in the third month before you turn 65, your birth month, and three months after your month.

This seven-month period is a special election period that enables you to apply for your Medicare card, research Medicare, and enroll in a Medicare plan.

If you miss your Initial Enrollment Period (IEP) for Medicare, you can still enroll during the Medicare General Enrollment Period every year from January 1 to March 31. You can enroll in Medicare Part A and B during this time.

What if I am employed during my IEP?

If you continue to work after your 65th birthday, and you have creditable insurance from your employer, then your IEP is delayed until you no longer have creditable insurance coverage (you retire and lose your employer’s insurance).

Creditable coverage for Medicare is health insurance or prescription drug coverage that meets or exceeds Medicare’s minimum standards. Health insurance Creditable coverage can apply to Part A, Part B, or both. It can include health insurance from your employer, your spouse’s employer, a group health plan, or a government-sponsored plan.

If an employer has fewer than 20 employees, generally, you will need to enroll in Medicare during your Initial Enrollment Period.

If you have health coverage through a spouse’s employer, what you can do will depend on the employer’s rules.

Before signing up for Medicare, you must talk with your employer’s benefits manager. You need to understand if your employer’s insurance qualifies as creditable coverage that could allow you to delay Medicare and find out how Medicare and your employer’s coverage may work together.

Can I delay applying for Medicare Part A and Part B?

If you continue working past age 65 and your employer provides credible health insurance coverage, you may delay applying for Medicare. Typically, Part A will be required as it corresponds with your employer’s insurance coverage.  Your employer may have applied for Part A for you. You need to check with your employer about your insurance coverage.

How do I sign up for a Medicare card?

You have three main choices when applying for Medicare. 

1. Go to the Social Security Website to apply for a Medicare Card.

Apply for both Part A and Part B, OR

Apply for Part B only because you are leaving a company Group plan and already have Part A.

The button below is a good video on how to apply for a Medicare card using the Social Security Website. Please make sure you return to this page after reviewing this video.

2. Telephone Social Security at (800) 772-1213 or find your local SS office & make an appointment

3. You can use me to help you sign up for Medicare online.  We do this virtually while you are at home. Just telephone me at (561) 559-7153, and I’ll explain.

How to Determine Your Medicare Start Date

Your Medicare start date begins on the first day of your birth month when you become 65. This will be the third month of your Initial Medicare Enrollment Period, IEP. However, there is one exception:

If your birthday is on the first day of the month, your start date will be the first day of the previous month.  So, if the date of your birth was June 1, then your start date for Medicare will be on May 1.

NOTE: If you miss your enrollment on day one of the third month of IEP, you still can enroll to be effective in months 4, 5, or 6. Applications must be received during the month before the first day of the Effective month.

Understand Medicare and Your Options

There are two primary choices with Medicare:

Government-Run Medicare

Government-run and controlled Medicare includes Medicare Part A and/or Part B (sometimes called Original Healthcare), operated solely by the U.S. government.

Part A (Hospital) covers inpatient care in hospitals, critical access hospitals, and skilled nursing facilities. Hospice care and some home health care.

Part B (Medical) helps cover medically necessary services like doctor visits and tests, outpatient care, home health services, durable medical equipment, other medical services, and some preventive services.

Medicare Part A and Part B cover approximately 80% on average of individual health care but do not cover the 20% of uncovered Original Medicare or the cost of prescriptions.

Private Insurance Companies to the Rescue:

While Original Medicare does not cover prescriptions and approximately 20% of Original Medicare services, private insurance companies have provided policies to help clients manage these health expenses. Insurance companies handle These policies separately and provide policies that help reduce healthcare expenses:  Prescription Drug Plans (PDP, also known as Part D) and Supplement (Medigap) plans.

While the government operates Original Medicare with Part A and Part B, a Medicare-eligible citizen is encouraged to purchase a Prescription Drug Plan (PCP) and a Supplement (Medigap) plan to help cover medical expenses. These plans have separate premium structures depending on the services provided. Careful attention should be given to determine which plan or plans best fit the needs and budget before purchasing.

Note: If a person has a company health plan that is not creditable (see above), delayed enrollment in the Prescription Drug Plan could result in future penalties.

Medicare Advantage Plans are a Private Insurance Option

The Medicare Advantage Plan is separate from Original Medicare, Prescription Drug Plan, and Supplement Plan.

Medicare Advantage Plans are private insurance plans. You cannot have a Supplement (Medigap) Plan and a Medicare Advantage Plan at the same time. Also, with a Medicare Advantage Plan, you must sign up for Medicare with both Part A and Part B. Medicare provides financial support to the insurance companies that offer Medicare Advantage plans. By receiving support from the government, the insurance company includes this support in determining the policy’s premium.

Medicare Advantage Plans may include Prescription Drug Coverage (PDP)

Also, Medicare Advantage Plans have low premiums (Mostly zero) and provide additional benefits such as hearing, dental, vision, and other benefits that a Medicare Supplement Plan does not.

For a more detailed review of your Medicare Options, click the button below:

A Brief Review of What Was Presented

Medicare is a complex and multifaceted program with many different plans and options. Understanding the various Medicare plans and options can be overwhelming, especially for seniors new to the program. However, working with a Medicare broker in Florida can make the process easier and less confusing.

You must sign up for Medicare before enrollment in Original Medicare, a Prescription Drug Plan, a Supplement Plan, or a Medicare Advantage Plan.

There are four main parts to Medicare: Parts A, B, C, and D. Part A covers inpatient hospital care, skilled nursing care, hospice care, and home health care. Part B covers doctor visits, outpatient care, medical supplies, and preventive services. Part C, also known as Medicare Advantage, is an alternative to traditional Medicare that allows you to receive your benefits through a private insurance company. Part D covers prescription drugs.

A Medicare broker can help you understand the differences between these plans and options and choose the one that best meets your needs and budget. They can also help you understand the costs and benefits of each plan and compare different options side-by-side.

How I will help you as a Medicare Broker & Agent

As your Medicare Broker

As your Medicare Broker, I offer up to 72 Medicare Plans from 6 to 8 insurance companies. This provides you with a very large selection of plans and options.

As your Medicare Broker & Agent

I will help you sign up for Medicare and review your current healthcare coverage and needs, as well as your budget and preferences. Based on this information, I will recommend a Medicare Plan that best meets your needs and budget. I will also help you understand the costs and benefits of each plan, including deductibles, copayments, and out-of-pocket limits.

Once you have selected a plan, as your agent, I will help you enroll and guide you through the enrollment process. I will also provide ongoing support and assistance throughout the year and help you change your coverage as needed.

Conclusion and final thoughts

In conclusion, working with me as your Medicare broker in Florida can be crucial. Navigating the complexities of Medicare, from signing up for Medicare to making informed decisions about your healthcare coverage, can be very challenging.

As your Medicare broker agent, I will provide valuable guidance and support. I will also help you save time and money while ensuring you receive the necessary coverage.

As a senior in Florida, you deserve the best Medicare advice for good health and financial prudence. I offer this to you as your insurance broker and will treat you as family.

I am your local FL reputable and experienced Medicare Broker near you, as close as your telephone and internet, and ready to provide you with the best service possible.

If you’re ready to use me and My Medicare Search services, fill out your Start Here information to Get Free Medicare Assistance Now. Or call me with any questions at (561) 559-7153

You will benefit from using My Medicare Search

If you live in Florida and are eligible for Medicare, I hope you realize the great benefits of having Medicare insurance by now.

As your available Medicare Broker, I again encourage you to contact me so you can receive the Medicare plan with the right coverage and extra benefits.

My Medicare Search uses the latest technology to make servicing clients even more accessible than in the past. No visits are required either for the agent to go to the client’s home or for the client to come to the agent’s office. For each Florida, My Medicare Search uses a virtual visit with the client using their computer, tablet, and telephone. It’s like being in my office but with you at home.

Communication by computer and telephone are two separate connections used for added security. First, a telephone connection is established between the client and the agent.

Second, the client’s computer, laptop, or tablet is connected to the agent’s computer screen through the Internet. Using separate systems, telephone for sound and computer (Internet) for visual, two levels of security are provided with separate video and audio connections.

This makes it double easy. You don’t have to straighten up your house; I won’t be there. You don’t have to dress up. I won’t see you. It’s just more accessible and more efficient all around.

My clients appreciate this secure and convenient way of serving you: the efficiency of separate telephone and online services. 

My goal is to serve you by offering the best service and educating you about your Florida Medicare options so that you can make the right decision that fits your needs and budget.

Get Started Now…..Please send me your Contact Info so we can make Medicare EASY!

There’s no obligation and no charge for my free services.

(561) 559-7153

What Do You Have To Lose? Get Started Now…

Complete the below “Start Here” form:

(561) 559-7153

The following statement is now required by the Government: “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.”   (Although I do not offer all plans in your county, I am able to include many of these other plans for your review)