Happy Halloween
MedicareYour doctors, your prescriptions, your county. We compare every plan available to you and tell you plainly which one wins.
Part C, Part D, Medigap and the annual review that keeps them right.
Bundles hospital, medical and usually drug coverage, often with dental, vision and transport extras.
Standalone drug coverage. The right plan depends entirely on which drugs you actually take.
Pays the gaps Original Medicare leaves. Higher premium, far fewer surprises, any doctor who takes Medicare.
Plans change every year. We re-run the comparison each fall and tell you when staying put is the right call.
Change Advantage or Part D plans for January 1.
One switch allowed if you are already in an Advantage plan.
Your first window. Missing it can cost a lifetime penalty.
Moving, losing employer coverage, or a late general sign-up.
Missing a window can mean a lifetime late-enrollment penalty. We track your dates so you do not have to.
Have these ready for your review and the comparison takes minutes, not weeks.
Medicare Advantage is set county by county, so the plan that wins in Hialeah can lose in Houston. We compare yours by phone, by video or at our Miami office.
No. Our service is free to you.
We check each doctor against the plan network before you enroll, and again at renewal: networks change every year, quietly.
If you go 63 days or more without creditable drug coverage after becoming eligible, Medicare adds a permanent surcharge to your Part D premium. It does not go away.
Usually only during AEP (Oct 15 to Dec 7) or, if you are already in an Advantage plan, once during MA OEP (Jan 1 to Mar 31). Some life events open a Special Enrollment Period.
No cost, no obligation. We compare your options and explain them in simple terms, in English or Spanish.