Office Hours: Monday – Friday: 9:00 AM – 5:00 PM
Medicare Solutions Made Simple
Navigating Medicare can be one of the most confusing aspects of reaching age 65. With
multiple parts, enrollment periods, and countless plan options, it's easy to feel overwhelmed. Our Medicare specialists take the complexity out of the process, helping you understand your options and choose the coverage that best fits your healthcare needs and budget.
Medicare Services
Medicare Advantage Plans
Medicare Advantage plans, also known as Medicare Part C,
are an alternative way to receive Medicare benefits. These
plans are offered by private insurance companies approved by
Medicare and often include additional benefits beyond Original
Medicare, such as prescription drug coverage, dental,vision,
and wellness programs.
Our Medicare Advantage specialists will help you compare plans available in your area, understand the differences in coverage and costs, and determine if a Medicare Advantage plan is the right choice for your healthcare needs and budget. We'll
walk you through network restrictions, out-of-pocket costs, and additional benefits to ensure you make an informed decision.
Medicare Serives
Medicare Advantage Plans
Medicare Advantage plans, also known as Medicare Part C, are an alternative way to receive Medicare benefits. These plans are offered by private insurance companies approved by Medicare and often include additional benefits beyond Original Medicare, such as prescription drug coverage, dental, vision,
and wellness programs.
Our Medicare Advantage specialists will help you compare plans available in your area, understand the differences in coverage and costs, and determine if a Medicare Advantage plan is the right choice for your healthcare needs and budget. We'll walk you through network restrictions, out-of-pocket costs, and
additional benefits to ensure you make
an informed decision.
Medicare Supplement Plans
Medicare Supplement Insurance, also called Medigap, helps fill the gaps in Original Medicare coverage. These standardized plans help pay for costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles.
We'll help you understand the different Medigap or Medical Supplement plans available, explain how they work with Original Medicare,and help you choose the plan that provides the right level of coverage for your situation. Our team will also help you understand the best time to enroll to avoid medical underwriting and higher premiums.
Prescription Drug Plans
Medicare Part D provides prescription drug coverage to help lower your prescription drug costs and protect against higher costs in the future. With dozens of plans available in most areas, choosing the right Part D plan requires careful analysis of your current medications and pharmacy preferences.
Our prescription drug plan specialists will review your current medications, analyze available plans in your area, and help you find a plan that covers your drugs at the lowest possible cost.We'll also help you understand the coverage gap and how it might affect your costs throughout the year.
Prescription Drug Plans
Medicare Part D provides prescription drug coverage to help lower your prescription drug costs and protect against higher costs in the future. With dozens of plans available in most areas, choosing the right Part D plan requires careful analysis of your current medications and pharmacy preferences.
Our prescription drug plan specialists will review your current medications, analyze available plans in your area, and help you find a plan that covers your drugs at the lowest possible cost.We'll also help you understand the coverage gap (donut hole) and how it might affect your costs
throughout the year.
How We Work with You
Step 1: Free Consultation
We begin with a consultation to understand your current situation, needs, concerns, and goals. This initial meeting is always free and without obligation, giving you the opportunity to get to know us and understand how we can help.
Step 2: Analysis and Research
Based on our free consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 3: Personalized Services
We'll present you with personalized recommendations that fit your needs and budget. We'll explain each option in detail, answer all your questions, and help you understand the benefits and limitations of each choice.
Step 4: Implementation
Based on our free consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 5: Ongoing Support
Our relationship doesn’t end once your policy is
active. We offer ongoing support, annual reviews, and guidance to ensure your coverage keeps up with life’s changes.
How We Work with You
Step 1: Initial Consultation
We begin with a consultation to understand your current situation, needs, concerns, and goals. This initial meeting is always free and without obligation, giving you the opportunity to get to know us and understand how we can help.
Step 2: Analysis and Research
Based on our initial consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 3: Personalized Services
We'll present you with personalized recommendations that fit your needs and budget. We'll explain each option in
detail, answer all your questions, and
help you understand the benefits
and limitations of each choice.
Step 4: Implementation
Based on our initial consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 5: Ongoing Support
Our relationship doesn’t end once
your policy is active. We offer ongoing support, annual reviews, and guidance to ensure your coverage keeps up
with life’s changes.
Learn About More Services
Financial Planning Services
Planning for retirement and managing your financial future requires careful consideration of multiple factors, including income needs, healthcare costs, inflation, and market volatility. Our financial planning services are designed to help you build a secure financial foundation that provides peace of mind throughout your retirement years.
Insurance Protection Services
Life is unpredictable, and having
the right insurance protection is essential for safeguarding your assets and providing financial security for your loved ones. Our comprehensive insurance services are designed to protect you against life's unexpected events while fitting comfortably within your budget.
The American Senior Advantage
Independent Agency Benefits
As an independent agency, we're
not limited to products from a
single insurance company. This independence allows us to shop multiple carriers and find the best coverage at the most competitive rates. We work for you, not the insurance companies.
Industry Expertise and Experience
With over 20 years of experience in this industry, our team has the knowledge to guide you through even the most complex insurance decisions. We stay current with industry change to provide you with
accurate, up-to-date
information.
Personalized Recommendations
We believe that every client deserves individual attention and customized solutions. We take the time to
understand your unique situation
and provide recommendations
that are tailored specifically to
your needs and goals.
Local/Native Industry Knowledge
As Florida natives, we understand the unique insurance challenges and
opportunities in our state. From
hurricane preparedness to Medicare regulations, we know what matters
most to Florida residents.
Transparent Communication
We believe in honest, traightforward communication. We'll explain everything in plain English, answer all your questions, and ensure you understand exactly what you're purchasing and why it's the
right choice for you.
Answers to Common Insurance Questions
Q: What's the difference between an independent agent and a captive agent?
An independent agent represents multiple insurance companies and can shop the market to find the best coverage for your needs. A captive agent represents only one insurance company and can only offer products from that company.
Q: How often should I review my insurance coverage?
A: You should review your insurance coverage annually or whenever you experience a major life change, such as marriage, divorce, the birth of a child, buying a home, or retirement.
Q: What factors affect my insurance premiums?
A: Insurance premiums are based on various factors including your age, health, driving record, credit score, location, coverage amounts, and deductibles. The specific factors vary by type of insurance.
Q: When should I sign up for Medicare?
A: You should sign up for Medicare during your Initial Enrollment Period, which begins three months before the month you turn 65. Delaying enrollment may result in late enrollment penalties.
Q: Can I keep my employer health insurance instead of enrolling in Medicare?
A: If you're still working and have employer health insurance, you may be able to delay Medicare enrollment without penalty. However, the rules vary depending on the size of your employer, so it's important to understand your specific situation.
Q: What's the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage is an alternative way to receive Medicare benefits through private insurance companies, while Medicare Supplement (Medigap) works alongside Original Medicare to help pay for costs that Medicare doesn't cover.
Q: How much life insurance do I need?
A: The amount of life insurance you need depends on your income, debts, final expenses, and your family's future financial needs. A common rule of thumb is 10-12 times your annual income, but your specific needs may be different.
Q: Can I get life insurance if I have health problems?
A: Yes, there are life insurance options available for people with health problems, including simplified issue and guaranteed issue policies. However, these policies may have higher premiums or lower benefit amounts.
Q: What happens if I stop paying premiums on my life insurance policy?
A: The consequences of stopping premium payments depend on the type of policy you have. Term life insurance will simply end, while permanent life insurance may have options such as using cash value to pay premiums or converting to a reduced paid-up policy.
