We answer the 25 most common Medicare questions from Florida seniors in 2026. From carrier exits to enrollment periods to plan comparisons — everything you need to know.
1. Is there really no cost to use your service?
Correct. Licensed insurance agents are compensated directly by the insurance carriers, not by you. You never pay a fee for consultation, plan comparison, or enrollment assistance.
2. My Humana plan is being cancelled. What do I do?
You have three options: enroll in a different Medicare Advantage plan, return to Original Medicare, or use your Guaranteed Issue right to purchase Medigap without medical underwriting. Call (435) 612-1009 for personalized guidance.
3. What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare through a private insurer with network restrictions. Medicare Supplement works alongside Original Medicare, covering cost-sharing gaps, with no network restrictions and no referrals required.
4. When is the Annual Enrollment Period?
AEP runs October 15 through December 7. Changes take effect January 1. If your plan is being cancelled, you may have a Special Enrollment Period outside this window.
5. Can I get Medigap if I have pre-existing conditions?
If your Medicare Advantage plan is being non-renewed, you have Guaranteed Issue rights — insurers cannot deny you or charge more based on health history during this period.
6. What is a D-SNP?
A Dual Eligible Special Needs Plan is a Medicare Advantage plan for people with both Medicare and Medicaid. D-SNPs offer extra benefits like free groceries, transportation, and OTC allowances.
7. Do you help Spanish-speaking seniors?
Sí. Ofrecemos asistencia completa en español. Llámenos al (435) 612-1009.
8. What is the Medicare Part B deductible in 2026?
The Medicare Part B deductible is $257 in 2026. Plan G covers everything except this deductible.
9. What is the new $2,000 drug cap?
Starting in 2026, Medicare Part D beneficiaries pay no more than $2,000 out of pocket for covered prescription drugs per year.
10. What is Florida's birthday rule for Medigap?
Florida law allows you to switch to a Medigap plan with equal or lesser benefits without underwriting during the 30 days following your birthday each year.
11. Does Medicare cover dental?
Original Medicare does not cover routine dental. Many Medicare Advantage plans include dental benefits. Medigap does not include dental — you need a separate dental plan.
12. What is issue-age pricing?
Florida requires Medigap insurers to price based on your age at enrollment, not your current age. Buying Medigap at 65 locks in a lower base premium for life.
13. Can I keep my doctors when I switch plans?
With Medigap, yes — any Medicare-accepting provider is covered. With Medicare Advantage, you must verify your doctors are in the new plan's network.
14. What is the Medicare Advantage Open Enrollment Period?
The OEP runs January 1 through March 31. You can switch Medicare Advantage plans or return to Original Medicare during this period.
15. Is Moffitt Cancer Center covered by Medicare?
Moffitt accepts Original Medicare and most Medigap plans. For Medicare Advantage, verify current network participation — Moffitt dropped Humana MA in July 2026.
16. What is the Part A deductible in 2026?
The Medicare Part A deductible is $1,676 per benefit period in 2026. Plan G and Plan N both cover this deductible.
17. Do you cover all 67 Florida counties?
Yes. We help Medicare beneficiaries across all 67 Florida counties. Call (435) 612-1009.
18. What is Extra Help for Part D?
Extra Help (Low Income Subsidy) is a federal program that helps pay Part D premiums, deductibles, and copays for qualifying low-income beneficiaries.
19. Can I have both Medicare Advantage and Medigap?
No. Medigap works with Original Medicare only. If you are enrolled in Medicare Advantage, you cannot use a Medigap plan.
20. What happens if I miss the enrollment deadline?
Missing AEP means waiting until next year. Missing your Guaranteed Issue window means facing medical underwriting for Medigap. Act before deadlines.
21. What is a Medicare MSA plan?
A Medical Savings Account plan combines a high-deductible Medicare Advantage plan with a savings account. CMS deposits money into the account annually to help pay costs before the deductible is met.
22. Does Medicare cover home health care?
Medicare covers skilled home health care (nursing, physical therapy) when ordered by a doctor and provided by a Medicare-certified agency. It does not cover custodial home care.
23. What is the Medicare Part B premium in 2026?
The standard Medicare Part B premium is $185/month in 2026. Higher-income beneficiaries pay more through IRMAA surcharges.
24. Can I enroll in Medicare if I am still working?
If you have employer coverage through active employment, you can delay Part B without penalty. Once employment ends, you have an 8-month SEP to enroll.
25. How do I get started?
Call (435) 612-1009 or complete the form below. A licensed Florida Medicare agent will contact you within 24 hours at no cost to you.