Navigate Medicare Advantage, Supplement, and Prescription Drug plans with expert guidance. We compare plans from all major carriers to find the right fit for you.
Medicare is a federal health insurance program for individuals 65 and older, and certain people under 65 with disabilities or End-Stage Renal Disease.
Helps cover inpatient hospital stays, skilled nursing facility care, hospice services, and certain home health services when eligibility requirements are met.
Covers doctor visits, outpatient services, preventive care, and medically necessary treatments that help manage and monitor your health.
Offered by private insurers approved by Medicare. These HMO or PPO plans combine Part A and B into one plan, often with prescription drug coverage and additional benefits not in Original Medicare.
Helps cover the cost of prescription medications. These plans are offered by private insurers that partner with Medicare to provide drug coverage.
Your Initial Enrollment Period (IEP) starts 3 months before the month you turn 65, includes your birthday month, and extends 3 months after. Missing this window can result in lifetime late enrollment penalties.
Don't wait — book a consultation and we'll guide you through every step, deadline, and option.
Enroll, switch, or drop Medicare Advantage and Part D plans.
Switch Medicare Advantage plans or return to Original Medicare.
3 months before, your birthday month, and 3 months after.
Didn't enroll in Medicare when first eligible? You may face a permanent late enrollment penalty. Calculate your estimated penalty below.
Medical insurance (doctor visits, outpatient care)
The 2026 standard premium is $202.90. Adjust if your income-based premium differs.
Count each full 12-month period you were eligible for Part B but didn't enroll.
Your Monthly Penalty
$0.00
The Part B penalty is 10% of the standard premium for each full 12-month period you delayed enrollment. This penalty is permanent — it stays with you for as long as you have Part B.
Prescription drug coverage
The 2025 base beneficiary premium is $36.78. This is set by Medicare each year.
Count each full month you went without Part D or other creditable prescription coverage after your initial enrollment period ended.
Your Monthly Penalty
$0.00
The Part D penalty is 1% of the national base beneficiary premium multiplied by the number of full uncovered months. This penalty is permanent — even if you switch plans later, the penalty follows you.
These calculators provide estimates based on 2025 Medicare figures. Actual penalties may vary based on your specific circumstances and eligibility dates. For personalized guidance on Medicare enrollment and avoiding penalties, book a free consultation with one of our licensed agents.
Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes extra benefits like dental and vision. Medigap (Supplement) works alongside Original Medicare to cover deductibles and copays. We'll help you compare both to find what fits your needs.
No. Our consultations are completely free. We're compensated by the insurance carriers, so there's no cost to you for our expert guidance.
We work with all major Medicare carriers, giving you access to the widest range of plans. We'll compare options side by side so you can choose with confidence.
Both! We offer phone and video consultations for your convenience, or you can visit our office in Spring Hill, FL. Choose whatever works best for you when booking.
There may still be options available, including Special Enrollment Periods based on qualifying life events. Book a consultation and we'll review your specific situation.
Book a free consultation with Ricardo or Yenitzel today. We'll compare plans from all carriers and find the right coverage for you.