Medicare Plans in Florida: Compare Advantage, Medigap & Part D
Welcome to Medicare, Made Clear
The right fit starts with straight talk. Here you can compare options side by side and get help choosing the best Medicare Advantage plan in Florida, Florida Medicare supplement plans, and Medicare Part D plans in Florida. Whether you live in
Fort Lauderdale,
Davie, or
Sunrise, we check doctors, prescriptions, and costs so your plan supports everyday life.
Compare Florida Medicare Plans at a Glance
A quick side-by-side to ground your choice.
- Medicare Advantage (Part C): All-in-one coverage built on networks; many plans bundle drugs and extras like dental/vision/hearing. Typical costs show as copays and an annual out-of-pocket max.
- Medigap (Medicare Supplement): Pairs with Original Medicare for predictable costs and nationwide flexibility; drugs handled by separate Part D. Premiums vary by plan letter (commonly G or N).
- Part D (Prescription Drug Plans): Stand-alone drug coverage with formularies, preferred pharmacies, and tiers; total cost = premium + deductible (if any) + copays/coinsurance. We walk you through each calculation during your initial consultation.
- Providers & Access: Advantage uses HMO/PPO networks in your county; Medigap follows Original Medicare nationwide; Part D depends on plan formularies and pharmacy contracts.
- What this means in Broward County:
We map your Floridian providers and prescriptions to each option so you see the true, all-in monthly picture.
Medicare Advantage in Florida
Find balance between benefits, networks, and budget.
Many residents prefer Medicare Advantage for bundled benefits, including dental, vision, hearing, and fitness options. At
Green Bee Insurance, we
confirm your doctors and hospitals, estimate total annual costs, and compare HMO vs PPO designs across Broward County so your routine stays simple.
Medigap (Medicare Supplement)
Predictable costs and flexible access.
Medigap plans help cover deductibles and coinsurance under Original Medicare. We’ll compare common choices like Plan G and Plan N, outline premium differences, and show how a separate Part D plan completes your coverage—useful for frequent travelers or those who want broad provider access across Florida.
Part D Prescription Drug Coverage
Your medications, matched to the right plan.
Drug costs vary by formulary, pharmacy choice, and tiers. We run your medication list through multiple Part D plans, look for preferred pharmacy savings, and estimate total annual costs—so you know what you’ll pay before you switch.
When to Enroll
Timing matters for coverage and cost.
Annual Enrollment (AEP) runs Oct 15–Dec 7 each year. You can switch Medicare Advantage and Part D plans during this window, with coverage generally starting Jan 1. Special Enrollment Periods may apply for moves, plan changes, or other qualifying events. If you’re new to Medicare, your Initial Enrollment Period spans seven months around your 65th birthday.
Medicare Learning Center
Learn fast, choose confidently. These quick guides explain Florida-specific rules and the tradeoffs between Medicare Advantage, Medigap, and Part D—plus how IRMAA and enrollment windows work in Broward County communities like Fort Lauderdale, Davie, and Sunrise.
IRMAA and Income-Based Premiums
Know when income affects what you pay.
IRMAA may increase premiums for Parts B and D based on your reported income. We explain how Social Security determines amounts, how appeals work after a life-changing event, and what to consider when
coordinating health coverage with retirement income decisions.
For Neighbors Across the Panhandle
From network checks to Part D pharmacy choices, small differences add up. If you’re comparing plans in communities such as Fort Lauderdale, Davie, or Sunrise, we’ll verify providers and map costs for your ZIP code before you enroll.
FAQs: Your Florida Medicare Questions—Answered
What’s the difference between Advantage and Medigap?
Medicare Advantage combines Parts A and B (often drugs) in a network-based plan. Medigap works with Original Medicare to reduce out-of-pocket costs and uses nationwide access; add a separate Part D plan for prescriptions.
Do Advantage plans include dental and vision?
Many Advantage plans offer supplemental benefits such as dental, vision, hearing, and fitness. Availability and limits vary by plan.
When is Open Enrollment?
Open Enrollment runs Oct 15–Dec 7 each year. Changes typically start Jan 1 of the following year.
Can I change Part D plans each year?
Yes. During AEP you can compare drug plans, review formularies, and switch to one that better fits your medications.
What is IRMAA?
IRMAA is an income-based premium adjustment for Medicare Parts B and D. If your income changes, you may request a review.