Choosing the right Medicare plan isn’t just about checking a box — it’s about making sure your health care works for your life, your needs, and your budget.
With so many options and changing rules, finding the right coverage can feel confusing, but you don’t have to figure it out alone.
That’s where we come in. At Marketplace Insurance Advisors, we help people across Florida and in over 20 states throughout the country understand their options and enroll in the right health coverage. Our licensed agents specialize in helping you compare choices and avoid costly mistakes.
Medicare is a federal health insurance program primarily for adults aged 65 and older. Most people qualify if they are U.S. citizens or permanent residents who’ve worked and paid into Social Security for at least 10 years.
If you start receiving Social Security retirement benefits at least four months before your 65th birthday, you’ll be automatically enrolled in hospital and medical insurance when you turn 65.
More than 65 million Americans are enrolled in Medicare, including millions under age 65 with disabilities.
Once you qualify, there are several options to choose from. Each one comes with different costs and levels of coverage.
This includes Part A (hospital insurance) and Part B (medical insurance), and it’s managed by the federal government. Most people don’t pay a premium for Part A, but Part B has a standard monthly premium of $174.70 in 2025. You’ll also pay deductibles and 20% coinsurance for most services.
Also known as Part C, this is an alternative to Original Part A & B plans offered by private insurers.
These plans include everything Original coverage has and often add benefits like dental, vision, hearing, fitness programs, and sometimes Part D drug coverage.
Most plans use HMO or PPO provider networks. An HMO plan usually requires you to stick with in-network providers and get referrals for specialists. A PPO plan gives you more freedom to go out-of-network, but often at a higher cost.
In 2025, Florida residents can choose from 613 Part C plans, an increase from 592 in 2024. Depending on the county you live in, there are anywhere from 10 to 60 plan options available.
If you choose to stick with a Part & B plan, you’ll need a separate Part D plan to cover prescriptions. These are also offered by private insurers. In 2025, the base national premium is projected at $34.70, though costs vary depending on the plan and your income.
About 73% of all beneficiaries are enrolled in a Part D plan, either as standalone coverage or through Part C coverage.
Medigap plans help pay for out-of-pocket expenses like deductibles, copays, and coinsurance. You must be enrolled in Original coverage to purchase Supplemental Coverage. These plans are standardized, but premiums vary by provider and state.
In Florida, a popular plan like Medigap Plan G can cost between $120 and $180 per month, depending on your age and medical history.
Plan availability depends on where you live. Insurance companies contract with the federal government to offer Medicare Advantage and Part D plans, and what you’re offered depends on your ZIP code.
For example, South Florida counties like Broward and Palm Beach typically offer more Advantage plans than rural counties. That’s why reviewing your options each year is important. Insurers can change plan benefits, costs, or even pull out of your area.
Timing your enrollment is key. There are several important windows:
Missing your window can result in late enrollment penalties and gaps in coverage, so it’s best to plan ahead.
Choosing the right Medicare plan doesn’t have to be confusing. We help you review your options, compare costs, and get the coverage that meets your needs without paying more than necessary.
Here’s what you get when you work with us:
Annual reviews, so your plan keeps up with your needs
We’re based in Fort Lauderdale and serve people all across South Florida, including Miami, Boca Raton, and West Palm Beach. But we don’t stop there. Our licensed agents help clients in over 20 states nationwide.
We are committed to helping people from all walks of life find affordable health coverage that works.
If you’re ready to review your options, click here or give us a call at 888-537-2871. We’ll help you find a plan that fits your life and your budget.
Marketplace Insurance Advisors
Licensed in over 20 states
📍 Main Office: 1126 S Federal Hwy., Unit #848, Fort Lauderdale, FL 33316
📞 Call 888-537-2871
