Get Help Choosing the Right
Florida Medicare Plan — Without the Confusion
We check your doctors, prescriptions, and total out-of-pocket costs — then show you the best Florida Medicare plans for your situation, side by side.
🔒 No obligation · No spam · Local follow-up only
We work with all major Medicare carriers — not just one.
Medicare carriers we compare
We compare plans across all major Medicare carriers — based on your doctors, prescriptions, and total cost.
We work for you — not any one carrier.
Medicare Doesn’t Have to Be Confusing — If You Do This Right
There are multiple paths — each with different costs, coverage, and rules. Here’s a clear breakdown, or call us and we’ll walk you through it in one conversation.
Replaces Original Medicare with a private plan. Often includes dental, vision, and drug coverage. Offered by private carriers with network restrictions — your doctors must be in-network.
Learn More →Works alongside Original Medicare to cover deductibles, copays, and coinsurance. Use any doctor that accepts Medicare — no network restrictions. Predictable costs, higher premium.
Learn More →Standalone prescription drug coverage for Original Medicare or Medigap enrollees. Drug formularies change every year — an annual review can save you hundreds on your medications.
Learn More →Not sure which direction makes sense? Call today → and we’ll walk you through it.
Why Florida Families
Call Us First
We answer the phone
Call us and you reach a real licensed Florida agent — no call centers, no robots, no hold queues.
We explain everything in plain English
No jargon. We walk you through what each plan actually costs and covers — before you commit.
We check your doctors & prescriptions
We verify your specific providers and medications are covered before recommending any plan.
We stay with you after enrollment
Your dedicated account manager in our Lake Mary office is available for billing, claims, and anything that comes up — at no extra cost.
Work With a Licensed Nurse Who Specializes in Medicare
Before founding Insurance Advisors of Florida, Chad Garrell spent 10 years working as a licensed nurse — and still holds an active Florida nursing license today.
We don’t just compare premiums. We help you understand how your coverage actually works when you need care, so there are no surprises later.
Most agents sell plans. We make sure you understand them.
Once you’re enrolled, our local team is here year-round to help with billing, claims, and anything that comes up — at no extra cost.
☎Talk to a Licensed Medicare Specialist“Most clients get clear answers in a single 15-minute call — no paperwork, no pressure, no obligation.”
— Insurance Advisors of Florida • Licensed Medicare agents since 2006
☎Speak With a Licensed Medicare Agent Now
Medicare Advantage or Medicare Supplement — Which Is Right for You?
There’s no universal answer. It depends on how often you see doctors, which specialists you use, your prescription needs, and how much predictability you want in your costs.
How to Choose the Right Medicare Plan
Every Medicare decision comes down to four questions. Answer these in order and the right plan usually becomes clear.
Are your doctors and specialists in-network on the plan you’re considering? Medicare Supplement gives you freedom to see any Medicare-accepting doctor. Medicare Advantage requires staying in-network.
Drug formularies vary significantly between Part D plans. The right plan for your specific medications can save hundreds per year.
Monthly premium is not the whole picture. Factor in deductibles, copays, and out-of-pocket maximum. Medicare Advantage may have a lower premium but higher exposure if something serious happens.
Medicare Supplement gives you predictable costs and doctor freedom. Medicare Advantage gives you lower premiums with network structure. Neither is universally better — it depends on how you use healthcare.
Don’t Miss Your Medicare Enrollment Window
Your Initial Enrollment Period starts 3 months before your 65th birthday. Enrolling late can mean permanent premium penalties that follow you for life.
From First Call to Enrolled — In Three Steps
No paperwork before you’re ready. No pressure. One call is usually enough to get clear answers.
Call Us
Reach a licensed Florida Medicare agent right away. Tell us what you need — we listen before we recommend anything.
We Compare Everything
We check your doctors, prescriptions, and total costs across plan types — and show you your real options side by side.
Enroll with Confidence
We help you choose the right plan — and we do annual reviews every fall so your plan stays right year after year.
When You Call, You Reach a Real Licensed Medicare Agent
No call centers. No 1-800 numbers. A licensed Florida Medicare agent picks up — and your dedicated account manager stays with you for annual reviews.
Mon–Fri 8:30am–5:30pm ET • No cost • Annual reviews included
Florida Medicare FAQ
Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes dental, vision, and drug coverage — but requires staying in-network. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like deductibles and copays, with no network restrictions. The right choice depends on your doctors, budget, and how often you use healthcare.
Your Initial Enrollment Period starts 3 months before your 65th birthday and ends 3 months after. Missing this window can result in permanent late enrollment penalties.
Yes. We compare Part D plans based on your specific prescriptions to find the plan with the lowest total cost for your medications. Drug formularies change every year, so an annual review is always worth it.
No. Medicare agents are compensated by the insurance carriers, not by you. You pay the same premium whether you use an agent or enroll directly.
Yes. During the Annual Enrollment Period (Oct 15 – Dec 7) you can switch plans. We contact our clients every year before this window to review whether their current plan still fits.
The opposite. Every client is assigned a dedicated account manager in our Lake Mary, FL office. We also do proactive annual reviews every fall before the Annual Enrollment Period.
Speak With a Licensed Medicare Agent Now — Before You Miss a Deadline
⏱ Most calls answered in under 30 seconds.
Speak with a licensed Florida Medicare agent in minutes — not a call center, not a robot.
