|⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳
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Medicare Insurance

Steve Turner Insurance Specialist offers you, your family and your business the complete array of Insurance Services you need to protect and provide for their Medicare Insurance needs!

My goals are to (1) Listen to you tell me about your insurance needs, budget, and the outcome you require, and (2) Educate you on your various options, and (3) Setup the insurance plans you have selected and get your insurance coverage established.

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Not sure what what type of insurance is best for your personal, family, or business? No worries! Most of my clients aren’t sure when they first reach out to us. I’ll discuss with you all your insurance options pro’s and con’s so YOU can make the choices that fit your budget.

Tap the “+1.813.388.8373” button to call me now, or the “Book-A-Call” button to pick a time on my calendar for a chat. I look forward to answering your questions and helping you find the right insurance to fit your needs.

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Medicare Insurance

MEDICARE INSURANCE

Medicare Insurance

As a Florida-based independent insurance agent with extensive experience, my primary service is to act as your expert guide through the complex world of Medicare. We offer a comprehensive portfolio of plans, including Original Medicare support, a wide variety of Medicare Supplement (Medigap) plans, dozens of local Medicare Advantage (Part C) plans from top Florida carriers, and standalone Part D Prescription Drug Plans. Our service begins with a no-cost educational consultation to understand your unique healthcare needs, budget, and lifestyle. We then conduct a detailed market analysis of the plans available in your specific zip code, present you with the top 2-3 options that are the best fit, and provide full assistance with the enrollment process.

When choosing an agent, it is essential to ask if they are independent and how many insurance carriers they are appointed with in Florida; this ensures they are working for you, not for a single company. You must also inquire about their process for selecting a Part D plan, which should involve a personalized analysis of your specific medication list. The right agent is not a salesperson, but a long-term, trusted advisor who provides ongoing support year after year, helping you navigate annual changes and ensuring your plan always meets your needs.

Medicare Plans We Offer: A Florida Medicare Expert’s Guide to Choosing the Right Coverage for You

Navigating the maze of Medicare for the first time can feel as overwhelming as trying to drive through I-4 traffic during rush hour. You’re bombarded with mail, confusing television commercials, and advice from well-meaning friends and neighbors. It’s a world of Parts, Plans, and Periods, and making the wrong choice can be a costly and stressful mistake.

As an independent insurance agent who has spent many years specializing exclusively in helping Florida residents with their Medicare choices, I’ve seen this confusion firsthand. My mission is simple: to replace that confusion with clarity and confidence. My role is not to “sell” you a plan, but to serve as your dedicated, expert guide. Because I am an independent agent, I am not captive to any single insurance company. My loyalty is to you, my client. My job is to understand your unique needs and then search the entire market to find the plan that is truly the best fit for your health, your budget, and your lifestyle here in the Sunshine State.

This guide is designed to be your comprehensive resource. It will demystify the Medicare plans available to you as a Florida resident, explain our detailed service process, and, most importantly, arm you with the critical questions you must ask to choose not just the right plan, but the right agent to be your trusted partner for the years to come.

Part 1: Understanding Your Two Main Paths in Florida – The Foundational Choice

When you first become eligible for Medicare, you stand at a critical fork in the road. You must choose one of two main paths for your healthcare coverage. This is the most important decision you will make.

Path A: The Freedom Path – Original Medicare + Medigap + Part D

This is the traditional route and offers the greatest freedom and flexibility in choosing your healthcare providers. It’s a three-part combination.

  1. Original Medicare (Part A & Part B): This is your foundation provided by the federal government. Part A helps cover your inpatient hospital stays, and Part B helps cover your doctor visits and other outpatient medical services. While it provides good basic coverage, it has significant gaps, including deductibles and a 20% coinsurance for most services with no annual cap on your out-of-pocket spending.
  2. Medicare Supplement (Medigap) Plan: To fill those gaps, you purchase a Medigap plan from a private insurance company. Think of Original Medicare as a bucket with holes in it; a Medigap plan is the patch that covers those holes. It pays for some or all of your deductibles and coinsurance. The huge advantage of this path is that you can see any doctor or visit any hospital in the United States that accepts Medicare, with no network restrictions or referral requirements. This is the preferred choice for “snowbirds” or anyone who travels frequently.
  3. Part D Prescription Drug Plan (PDP): Since Original Medicare does not cover most prescriptions, you will also enroll in a standalone Part D plan from a private insurer.

Path B: The All-in-One Path – Medicare Advantage (Part C)

This is a popular alternative that bundles all of your healthcare needs into a single, convenient plan.

  • What it is: A Medicare Advantage plan is offered by a private insurance company that has been approved by Medicare. When you enroll in one, you are still in the Medicare program, but you agree to receive your Part A and Part B benefits through this private plan instead of the federal government.
  • Key Features:
    • Bundled Coverage: Most plans include your hospital, medical, and prescription drug (Part D) coverage all in one.
    • Local Networks: These plans typically have a local network of doctors and hospitals, most commonly an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization).
    • Low Premiums: Many Medicare Advantage plans in Florida have a $0 monthly premium (you still must pay your Part B premium).
    • Extra Benefits: A major draw is that these plans often include routine dental, vision, and hearing coverage, as well as other perks like gym memberships (SilverSneakers), over-the-counter allowances, and transportation, which are not covered by Original Medicare.
    • Out-of-Pocket Maximum: Unlike Original Medicare, every Medicare Advantage plan has an annual maximum out-of-pocket limit, which protects you from catastrophic medical bills.

Part 2: A Deeper Dive into the Medicare Plans We Offer in Florida

As an independent agency, we are certified and appointed with a wide range of top-rated insurance carriers across Florida. This allows us to offer you a full spectrum of options to fit your specific needs.

A. Medicare Supplement (Medigap) Plans

Medigap plans are standardized by the federal government, which means that a Plan G from one company has the exact same medical benefits as a Plan G from any other company. The only difference is the price and the company’s reputation for service and rate stability. Our service is to help you find the most cost-effective plan from a highly-rated carrier. The most popular plans in 2025 are:

  • Plan G: The most comprehensive plan available to new Medicare beneficiaries. It covers virtually all of the gaps in Original Medicare except for the small annual Part B deductible.
  • Plan N: A great option that offers excellent coverage but with some small, predictable cost-sharing (e.g., a copay of up to $20 for a doctor visit) in exchange for a lower monthly premium than Plan G.
  • High-Deductible Plan G: This plan has a much lower premium, but you must first pay a higher annual deductible before the plan begins to cover your costs. It’s an excellent option for savvy consumers who are healthy and want to protect against catastrophic costs while keeping their monthly expenses low.

B. Medicare Advantage (Part C) Plans

The Medicare Advantage market in Florida is vibrant and highly competitive, with dozens of options in counties like Hillsborough, Pinellas, and Pasco. We are experts in the local networks and benefits of plans from all the major carriers. We offer:

  • HMO Plans: These often have the lowest premiums and richest extra benefits, but require you to use their network of providers and get referrals to see specialists.
  • PPO Plans: These offer more flexibility, allowing you to see both in-network and out-of-network providers (though your costs will be higher out-of-network).
  • Special Needs Plans (SNPs): We have deep expertise in these specialized plans:
    • Dual-Eligible SNPs (D-SNPs): For individuals who are eligible for both Medicare and Medicaid. These plans can coordinate benefits to dramatically lower healthcare costs.
    • Chronic Condition SNPs (C-SNPs): For individuals with specific chronic conditions like diabetes, cardiovascular disease, or COPD. These plans offer benefits tailored to managing that condition.

C. Part D Prescription Drug Plans (PDPs)

Choosing the right drug plan is a purely mathematical decision. The “best” plan is the one that covers your specific medications at the lowest total annual cost. Our service for this is crucial:

  • Personalized Drug List Analysis: We sit down with you and enter your exact list of medications and dosages into the official Medicare Plan Finder tool.
  • Total Cost Comparison: The tool then calculates your estimated total annual cost—including premiums, deductibles, and copayments at your preferred pharmacy—for every single Part D plan available in your area.
  • Data-Driven Recommendation: We present you with the top 2-3 plans that are the most cost-effective for you, allowing you to make an informed, data-driven decision.

Part 3: Our Service Process – A Partnership for Your Health and Wealth

Our goal is to build a lifelong relationship with our clients. Our service does not end once you enroll.

  1. The Educational Consultation: We start with a no-cost, no-obligation consultation to learn about you. We discuss your health needs, your retirement budget, your travel plans, and your priorities. Our first job is to educate you on your options.
  2. The Needs Analysis: We carefully gather your list of doctors, preferred hospitals, and all of your prescription medications.
  3. The Comprehensive Market Analysis: We use our expert tools and knowledge of the local Florida market to research all the plans available in your specific zip code that fit your needs.
  4. The Unbiased Recommendation: We present you with a clear, easy-to-understand comparison of the top 2-3 options that are the best fit for you. We explain the pros and cons of each, answer all of your questions, and provide our professional recommendation.
  5. Seamless Enrollment Assistance: Once you’ve made a choice, we handle the entire enrollment process for you, ensuring all paperwork is submitted correctly and on time.
  6. Lifelong Support: Our service continues for as long as you are our client. We are your first point of contact for any questions or issues with your plan. Each year, during the Annual Enrollment Period, we proactively reach out to you to conduct an annual review of your plan to ensure it’s still the best fit for the coming year.

Part 4: The Ultimate Vetting Checklist – 10 Questions to Ask Any Medicare Agent

Choosing the right agent is just as important as choosing the right plan. Here are the ten essential questions you should ask any agent you consider working with.

1. “Are you an independent agent, or are you a ‘captive’ agent who only works for one insurance company?”

  • Why it matters: This is the most important question. A captive agent can only offer you the products of their single employer. An independent agent works for you and can offer plans from a wide variety of companies.

2. “How many different insurance carriers are you certified and appointed with here in Florida?”

  • Why it matters: This speaks to the breadth of their portfolio. An agent who is only appointed with 2-3 companies has a limited toolkit. A well-established agent will be appointed with 10-20 or more of the major carriers in the state.

3. “What is your specific process for helping me choose a Part D prescription drug plan?”

  • Why it matters: A great agent will insist on running a personalized analysis based on your specific drug list using the Medicare Plan Finder. A lazy agent might just recommend a plan with a low premium, which could end up costing you thousands more in copayments.

4. “Is there any cost for your services?”

  • Why it matters: The answer should always be “no.” Agents are compensated directly by the insurance companies when they help a beneficiary enroll. You should never be charged a fee for an agent’s help.

5. “What happens after I enroll? What is your process for ongoing, annual support?”

  • Why it matters: This separates a transactional salesperson from a true relationship-focused agent. A great agent will proactively contact you each year to review your plan and ensure you have support when you need it.

6. “How do you help clients who are ‘snowbirds’ or travel frequently?”

  • Why it matters: This is a critical question for many Florida residents. An expert will be able to clearly explain the pros and cons of Medigap plans (which offer nationwide coverage) versus local PPO or HMO plans for frequent travelers.

7. “Can you help me determine if I might be eligible for financial assistance programs like Medicare Savings Programs (MSPs) or Extra Help?”

  • Why it matters: This tests if their knowledge goes beyond just the insurance products. A knowledgeable agent will be aware of these state and federal programs and can guide you on where to apply if you might be eligible.

8. “What is your specific experience with the Medicare Advantage plan networks right here in my county (e.g., Hillsborough, Pinellas, etc.)?”

  • Why it matters: This tests their local expertise. A great local agent will have on-the-ground knowledge of which hospital systems and major doctor groups are in-network with the most popular plans in your specific area.

9. “How do you stay up-to-date with the hundreds of annual changes to Medicare plans and rules?”

  • Why it matters: This tests their commitment to their profession. An expert will be able to tell you about their annual certification process, ongoing training, and the professional resources they use.

10. “Why should I work with you instead of just calling the 1-800 number I see on TV or enrolling directly with an insurance company?”

  • Why it matters: This asks them to directly state their value proposition. A great agent will explain that they provide a personalized, local touch, a wide range of choices, and serve as your personal advocate for life, which is something a call center or a single company cannot offer.

Part 5: Red Flags vs. Green Lights – Making Your Final Choice of Agent

🚩 Major Red Flags to Run From 🚩

  • High-Pressure Sales Tactics: Anyone who tells you that you “must sign up today.”
  • Represents Only One Company: They are a captive agent, not an independent broker.
  • Dismisses Your Doctors or Drugs: An agent who says “don’t worry, your doctor is probably in the network” without verifying it.
  • Cannot Clearly Explain the fundamental differences between Medigap and Medicare Advantage.

✅ Bright Green Lights to Look For ✅

  • An Educational, Patient Approach: They focus on teaching you your options, not selling you a plan.
  • Represents a Wide Range of Carriers: They are truly independent and can offer you a real choice.
  • Performs a Detailed, Personalized Needs Analysis, especially for your prescriptions.
  • Commits to a Lifelong Relationship with ongoing annual reviews and support.

Your Final Decision

Choosing your Medicare plan is one of the most important healthcare and financial decisions you will make in your retirement. But you do not have to navigate this complex journey alone. Your retirement should be about enjoying the Florida sunshine, spending time with family, and pursuing your passions—not stressing over insurance paperwork and network directories.

By partnering with a knowledgeable, independent agent, (Steve Turner, of SteveTurnerInsuranceSpecialist.com), you gain a trusted advisor who can simplify the process, provide you with the best options the market has to offer, and serve as your advocate for years to come. I welcome the opportunity to be that partner for you.

Medicare INSURANCE AGENT AND BROKER NEAR ME

Medicare Insurance

As your Insurance Agent and Broker serving you, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Medicare Advantage and Medicare Supplement agent, I take the burden off your shoulders by doing a thorough needs analysis and researching the benefits best suited to you and your needs.

I can help you save on severe medical emergencies and find a plan that offers low- to no-cost doctor visits, prescription medication, and extra benefits such as dental, vision and hearing, gym membership, and over-the-counter items. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Medicare is constantly changing, and I work tirelessly to stay informed about the latest developments in the market. Not a year goes by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals must understand each type of benefit or program’s provisions, advantages, and limitations to meet economic security.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Medicare Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

Steve Turner, your Helpful Licensed Agent and Broker

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FAQ

Medicare Insurance

Medicare is a federal health insurance program primarily for people aged 65 or older, though it also covers younger individuals with certain disabilities or End-Stage Renal Disease. Think of it not as a single plan, but as a system with different components you’ll choose from. Its foundation is Original Medicare, which consists of Part A (Hospital Insurance) and Part B (Medical Insurance). This combination covers a large portion of your hospital and doctor-related expenses but leaves significant cost-sharing gaps. To manage these gaps and get additional coverage, you will then choose a path: either adding a Part D (Prescription Drug) plan and a Medigap policy to Original Medicare, or opting for a Part C (Medicare Advantage) plan from a private insurer, which bundles all these benefits together.

This is the most critical question, as missing your deadline can lead to lifelong penalties. Your main enrollment window is your Initial Enrollment Period (IEP). This is a 7-month period that begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. For example, if your birthday is in May, your IEP runs from February 1st to August 31st. If you’re already receiving Social Security or Railroad Retirement Board benefits before you turn 65, you’ll be automatically enrolled in Parts A and B. Otherwise, you must enroll yourself during your IEP. I cannot stress this enough: mark this 7-month window on your calendar. Missing it can cause gaps in coverage and lead to permanent financial penalties.

Of course, this is the core of the whole system.

  • Part A (Hospital Insurance): This covers inpatient hospital stays, care in a skilled nursing facility (after a hospital stay), hospice care, and some home health care. Most people get Part A premium-free if they or their spouse paid Medicare taxes for at least 10 years.
  • Part B (Medical Insurance): This covers doctor visits, outpatient care, medical supplies, and preventive services (like flu shots). You will pay a monthly premium for Part B.
  • Part C (Medicare Advantage): These are “all-in-one” plans offered by private insurance companies that are approved by Medicare. They bundle Parts A, B, and usually Part D into a single plan. They often have networks (like an HMO or PPO) and may include extra benefits not covered by Original Medicare.
  • Part D (Prescription Drugs): This is your prescription drug coverage. It’s offered by private insurance companies as a standalone plan to complement Original Medicare or is included in most Medicare Advantage plans.

This is the most significant choice you will make. Think of it as choosing between freedom and structure.

  • Original Medicare (Parts A & B) offers you the freedom to see any doctor or visit any hospital in the U.S. that accepts Medicare, with no network restrictions or referral requirements. However, it has significant cost-sharing gaps (deductibles and 20% coinsurance with no annual cap). To cover these gaps, most people purchase a separate Medigap policy and a Part D drug plan.
  • Medicare Advantage (Part C) provides a more structured, all-in-one approach. These plans are managed by private insurers and usually have a local network of doctors and hospitals (HMOs or PPOs). They must cover everything Original Medicare does and often include drug coverage (Part D) and extra benefits like routine dental, vision, and hearing care. Your out-of-pocket costs are capped annually, but you generally must use their network providers for care.

A Medigap plan is a secondary insurance policy you can buy from a private company that helps pay for the “gaps” in Original Medicare. Think of Original Medicare as a bucket with holes in it representing deductibles, copayments, and coinsurance. A Medigap policy is like a patch that fills those holes, significantly reducing or even eliminating your out-of-pocket costs.

For example, after you pay your Part B deductible, Medicare covers 80% of your doctor bills; a Medigap plan can cover the remaining 20%. This provides predictable, stable healthcare costs and protects you from catastrophic expenses, but you will pay a separate monthly premium for this peace of mind. Medigap plans only work with Original Medicare, not Medicare Advantage.

The cost has several components. For most people in 2025:

  • Part A Premium: $0 for most people. If you don’t qualify for premium-free Part A, the monthly cost can be substantial.
  • Part B Premium: Everyone pays a standard monthly premium, which is set by the government each year (in 2025, it’s projected to be around $178). Higher-income earners pay more due to IRMAA (see question #13).
  • Deductibles & Coinsurance (Original Medicare): You’ll have a deductible for Part A (for each hospital stay) and an annual deductible for Part B. After the Part B deductible is met, you are generally responsible for 20% of the cost of most medical services, with no annual limit.
  • Plan Premiums: If you choose a Medicare Advantage (Part C) plan, a Part D drug plan, or a Medigap policy, you will likely pay an additional monthly premium to the private insurance company that offers the plan.

This is a very common situation and the answer is: it depends on your employer’s insurance.

  • If you work for a company with 20 or more employees and are covered by their group health plan, you can generally delay enrolling in Part B (and Part A, if you don’t qualify for it premium-free) without penalty. Your employer’s plan will be your primary insurance.
  • If you work for a company with fewer than 20 employees, you will almost certainly need to enroll in Medicare Parts A and B when you turn 65. In this case, Medicare will become your primary insurer, and your employer’s plan will be secondary. It is absolutely critical to speak with your HR department to understand how your employer’s plan works with Medicare. Making the wrong choice can lead to significant penalties and coverage gaps.

Medicare penalties are serious because they are not a one-time fee; they are typically added to your monthly premiums for the rest of your life.

  • Part B Penalty: This is the most common. If you don’t enroll in Part B during your Initial Enrollment Period (and you don’t qualify for a Special Enrollment Period, like from having employer coverage), your monthly premium will increase by 10% for each full 12-month period you could have had Part B but didn’t.
  • Part D Penalty: If you go without creditable drug coverage for 63 consecutive days or more after your initial enrollment period is over, you may owe a late enrollment penalty. The penalty is calculated as 1% of the national base beneficiary premium for each full month you were eligible but didn’t join a plan. These penalties are designed to encourage people to enroll when they first become eligible, and they underscore the importance of understanding your deadlines.

No, it does not. Original Medicare (Parts A and B) does not include coverage for most outpatient prescription drugs. This is one of the biggest and most important gaps in the system. To get this coverage, you have two options. You can either purchase a standalone Part D Prescription Drug Plan from a private insurance company, which will work alongside your Original Medicare benefits.

Or, you can enroll in a Medicare Advantage (Part C) plan, as most of these plans already include prescription drug coverage as part of their bundled benefits. Going without creditable drug coverage can result in a lifelong late enrollment penalty, so securing a drug plan is essential.

This is another critical gap in coverage. Original Medicare (Parts A and B) does not cover most routine dental care (like cleanings, fillings, or dentures), routine eye exams for glasses, or hearing aids. It will cover these things only when they are deemed medically necessary, such as cataract surgery or a jaw surgery performed in a hospital.

This is one of the primary reasons many people choose a Medicare Advantage (Part C) plan. The vast majority of these private plans offer some level of routine dental, vision, and hearing benefits as a way to provide more comprehensive coverage and attract members. If these benefits are important to you, a Medicare Advantage plan is likely your best path.

Yes, you are not locked into your initial choice forever. The most important time of year for this is the Annual Enrollment Period (AEP), which runs from October 15th to December 7th every year. During AEP, you can make a variety of changes for the upcoming year.

You can switch from Original Medicare to a Medicare Advantage plan, switch from one Medicare Advantage plan to another, or switch back from Medicare Advantage to Original Medicare (and pick up a Part D plan). You can also change your Part D prescription drug plan. This is your annual opportunity to review your coverage and ensure it still meets your health and financial needs for the year ahead.

IRMAA stands for Income-Related Monthly Adjustment Amount. In simple terms, it’s a surcharge that higher-income beneficiaries pay in addition to their standard Part B and Part D premiums. The Social Security Administration determines if you owe IRMAA based on the modified adjusted gross income reported on your IRS tax return from two years prior.

For example, for your 2025 premiums, they will look at your 2023 tax return. There are several income brackets, and the higher your income, the higher the adjustment amount. If you’ve had a life-changing event that caused your income to decrease (like retirement or the death of a spouse), you can appeal your IRMAA determination.

There are several programs designed to help. For healthcare costs, there are Medicare Savings Programs (MSPs). These are state-run programs that can help pay for your Part A and/or Part B premiums, deductibles, and coinsurance. Eligibility is based on your income and assets.

For prescription drug costs, there’s a federal program called Extra Help (also known as the Part D Low-Income Subsidy). This program helps pay for the monthly premiums, annual deductibles, and copayments related to a Medicare Part D plan. Many people qualify for these programs and don’t even realize it. I highly recommend contacting your local State Health Insurance Assistance Program (SHIP) to see if you are eligible for assistance.

This is a very common point of confusion. The answer is no. Medicare is an individual insurance program, not a family plan. Your eligibility is based on your own age (or disability status) and work history. When you enroll in Medicare at 65, your younger spouse will not be covered by your plan. They will need to maintain their own health insurance through their employer or the marketplace until they become eligible for Medicare themselves upon turning 65. Planning for this potential gap in coverage is a critical part of a couple’s retirement strategy.

This depends on the path you choose.

  • If you have Original Medicare, the process is straightforward. You can simply call your doctor’s office and ask, “Do you accept Medicare?” or “Are you a participating provider with Medicare?” Most doctors in the U.S. do. You can also use the “Physician Compare” tool on the official Medicare.gov website.
  • If you choose a Medicare Advantage (Part C) plan, the process is different and more restrictive. These plans have specific networks of doctors (HMOs or PPOs). You must consult the insurance company’s provider directory for your specific plan to see if your doctor is “in-network.” Going out-of-network with these plans can be very expensive or may not be covered at all, so verifying your doctor’s participation is a critical step before enrolling.

This is another area where your initial choice makes a huge difference.

  • Original Medicare provides excellent coverage when traveling within the United States and its territories. You can see any doctor or visit any hospital that accepts Medicare, anywhere in the country. However, it provides almost no coverage for healthcare received outside of the U.S.
  • Medicare Advantage plans have more varied rules. Your plan’s service area is typically your local county or region. For travel within the U.S., most plans are required to cover emergencies and urgent care outside of their network, but routine care may not be covered. For travel outside the U.S., many Medicare Advantage plans offer emergency coverage as an added benefit, which is something Original Medicare lacks. Some Medigap plans also offer foreign travel emergency benefits.

This is a critical financial planning question. Once you are officially enrolled in any part of Medicare (including Part A), you are no longer legally allowed to contribute new money to your HSA. If you do, you could face tax penalties. However, the money that is already in your HSA is yours to keep, and you can continue to use it, tax-free, to pay for qualified medical expenses.

This includes paying for your Medicare premiums (except for Medigap premiums), deductibles, and copayments for medical care, dental services, and vision care. It’s a great tool to have in retirement, but the contribution rules change the moment you’re on Medicare.

These are the two most common types of networks you’ll encounter with Medicare Advantage plans.

  • HMO (Health Maintenance Organization): These plans are generally more restrictive. You are required to use doctors, hospitals, and specialists within the plan’s specific network. You must also select a Primary Care Physician (PCP), and you will typically need a referral from your PCP to see a specialist. Going out-of-network for non-emergency care is usually not covered at all. HMO plans often have lower monthly premiums.
  • PPO (Preferred Provider Organization): These plans offer more flexibility. You have a network of “preferred” providers, and your costs will be lowest when you use them. However, you have the option to go “out-of-network” to see other doctors, though your out-of-pocket costs will be higher. You typically do not need to select a PCP or get referrals to see specialists.

Choosing a Part D plan is a highly personal decision because the best plan for you depends entirely on the specific medications you take. The monthly premium is only one small part of the cost. You must also consider the plan’s deductible, its formulary (the list of covered drugs), and the copayments for your specific prescriptions.

The best way to do this is to use the official Plan Finder tool on Medicare.gov. You can enter your specific list of medications and dosages, and the tool will calculate your estimated total annual cost—including premiums, deductibles, and copays—for every plan available in your area. This is the only way to accurately compare plans and find the one that is most cost-effective for you.

For many people, the answer is a resounding yes. While you can do all the research yourself, the Medicare system is complex, and a good independent agent can be an invaluable guide.

An independent agent like Steve Turner (https://SteveTurnerInsuranceSpecialist.com) is not tied to a single insurance company; they are contracted with multiple carriers. This means their goal is to help you find the best plan for your needs from all available options, not just to sell you one specific product. They can help you navigate the Original Medicare vs. Medicare Advantage decision, Medicare Supplement, compare Medigap and Part D plans, and ensure you don’t miss any critical deadlines. Their services are provided at no cost to you, as they are compensated by the insurance companies.

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CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

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The United States: Facts and Top Visitor Sites

The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:

Facts about the USA

The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.

Key U.S. Statistics and Economic Overview

The United States is a global leader in population, economy, and innovation, attracting people from all over the world.

  • Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
  • Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
  • National Parks: 63 national parks across the nation.
  • Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
  • Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
  • Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
  • Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
  • Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
    • Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
    • Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
    • Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
    • Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
  • Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019. 

Top Places for Visitors to Explore in the USA

The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.

  • New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
  • The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
  • Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
  • Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
  • Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
  • Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
  • San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
  • Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
  • Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
  • New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.

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MEDICARE STATEMENT

The Medicare Annual Enrollment Period is October 15th to December 7th. Steve Turner is not connected with or endorsed by the United States Government or the Federal Medicare Program. Some plans may not be available in your area, and any information I provide is limited to those offered. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

There’s no one-size-fits-all answer. Carefully evaluate your health status, anticipated medical needs, prescription drug usage, budget, preferred doctors and hospitals, and tolerance for network rules. During the Medicare Annual Enrollment Period (October 15th to December 7th), thoroughly research the specific plans available in your Florida county using the Medicare Plan Finder on Medicare.gov, compare their costs and benefits, and consider seeking free, personalized counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program.