Medicare · Florida
Have You Looked at the Medicare Booklet the Government Sends You?
Most folks I talk to haven't opened it. That's not a criticism. It's a thick stack of paper written in insurance language. It's not designed to be easy.
Here's what I tell folks: Medicare isn't one decision. It's several, made in a specific order, and the sequence matters. What you choose in the first seven months after you turn 65 sets the foundation for everything that follows.
That's what we're here to help you with. No cost. No obligation. Monday through Saturday.
Service area: Florida residents statewide
Independent advisors. We work for you, not the insurance companies.
Serving Medicare beneficiaries in Florida.
How Medicare Works, the Short Version
Medicare is federal health insurance for adults 65 and older. It has four parts, and understanding how they fit together is the foundation for every good coverage decision.
Part A: Hospital
Hospital stays, skilled nursing, hospice. Most people who worked at least 10 years pay no monthly premium for it.
Part B: Medical
Doctor visits, outpatient care, preventive services. Standard premium $202.90 per month in 2026.
Part C: Advantage
Medicare Advantage. Bundles Parts A, B, and usually D into one private plan.
Part D: Drugs
Prescription drug coverage. Separate, or bundled into a Medicare Advantage plan.
The 80/20 Gap
The Part Most Folks Miss
Here's what most folks don't realize until it's too late: Original Medicare covers about 80 percent of your medical costs. The other 20 percent, the copays, coinsurance, and deductibles, is yours. That's not a rounding error. If you have a hospital stay or a serious diagnosis, that 20 percent adds up fast.
That's why most people add either a Medicare Advantage plan or a Medicare Supplement policy on top of Parts A and B. Which path makes sense depends on your situation: your doctors, your prescriptions, your budget, how much you travel. There's no universal right answer.
Your Two Main Paths
Most people add one of these two approaches on top of Original Medicare. You choose one path, not both. The right one depends entirely on your doctors, your budget, and how you like to get care.
Medicare Advantage (Part C)
A private plan that replaces Original Medicare and usually bundles your hospital, medical, and drug coverage into one plan. Plans are built around a network of doctors and hospitals, and your monthly premium and out-of-pocket costs vary by plan. Some plans include benefits beyond Original Medicare, but what's included, and what it costs, varies a lot by plan and by county. The only way to know what a specific plan covers is to compare the plans actually available where you live. Often a fit for folks who want their coverage in one plan and are comfortable using a network.
Medicare Supplement (Medigap)
A private policy that sits on top of Original Medicare and covers much of the 20 percent it leaves behind. Higher monthly premium, but you can see any doctor in the country who accepts Medicare, with no networks and no referrals, and your out-of-pocket costs are highly predictable. Often a fit for folks who want maximum flexibility and cost certainty and will pay a bit more each month to get it.
A 2-Minute Guide
Medicare in Plain English
Victor explains how the four parts fit together and the two main paths, in about two minutes.
Independent
Why an Independent Advisor Matters
When you call a Medicare carrier directly, you're speaking to someone whose job is to sell you that carrier's plans. That's not a knock on them. It's just the reality.
When you work with Nexus, you're talking to an independent advisor. We represent the major Medicare carriers active in your Florida county. We compare them and tell you what the numbers actually look like for your specific situation.
A carrier's agent shows you their plans. We show you the market. A carrier's agent moves on after you enroll. We review your coverage every fall. And we're paid the same by the carriers, not by you. Your premium is identical whether you work with us or go direct, so there's no reason not to have someone independent in your corner.
Medicare Questions We Hear Every Week
When should I start thinking about Medicare?+
Ideally 3 to 6 months before you turn 65, or before you retire, whichever comes first.
Is Medicare automatic when I turn 65?+
If you're already receiving Social Security, Parts A and B enroll automatically. If not, you need to actively sign up.
Can I have both Medicare Advantage and a Medigap plan?+
No. These are two separate approaches. You choose one path.
What if my doctors don't accept my Medicare plan?+
That's one of the most important things to verify before you enroll. We check your specific doctors against every plan's network before we make a recommendation.
How often should I review my Medicare coverage?+
Every year during Annual Enrollment, October 15 through December 7.
Get the Free Medicare Enrollment Checklist
A simple checklist of what to do and when, so you don't miss a deadline or a decision. Then we'll go through your options together.
Medicare Doesn't Have to Feel This Complicated.
Give us a call. We'll go through your options together, no pressure and no jargon. Just an honest conversation about what fits your situation.