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Medicare Part D 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 part D 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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Medicare Part D Insurance

MEDICARE PART D INSURANCE

Medicare Part D Insurance

As a Florida-based independent insurance agent with many years of experience, our most critical service regarding Medicare Part D is to act as your personal data analyst. Choosing the right prescription drug plan is a purely mathematical decision, and we are experts at solving that equation for you. Our service is not about recommending a plan with the lowest premium; it’s about finding the plan that results in the lowest total annual out-of-pocket cost based on your unique medication list. We offer a comprehensive analysis using the official Medicare.gov Plan Finder, a personalized review of plan formularies and pharmacy networks, and full enrollment assistance.

The single most important question you must ask any agent is: “What is your exact process for analyzing my specific list of medications to find the most cost-effective Part D plan?” A true expert will insist on getting your complete list of drugs, including dosages, and will use the official Medicare Plan Finder to generate a detailed cost comparison. They will also be fluent in the major changes to Part D for 2025, including the new $2,000 out-of-pocket cap. The right agent is not a salesperson; they are a diligent analyst who will provide an annual review to ensure you are always in the most cost-effective plan for your needs.

Medicare Part D Insurance Plans We Offer: A Florida Agent’s Guide to Choosing the Right Prescription Drug Coverage

Of all the components of Medicare, Part D—your prescription drug coverage—is often the most confusing, the most variable, and the most financially impactful part of your retirement healthcare. The monthly premium for one plan might be $15, while another is $80. One plan might cover your key medication for a $10 copay, while another doesn’t cover it at all. Choosing the wrong plan can easily cost you hundreds, if not thousands, of dollars in unnecessary prescription costs over the course of a year.

The good news is that with the right expert analysis, choosing a Part D plan can also be the easiest part of Medicare to get right.

As an independent insurance agent who has specialized in Florida’s Medicare market for many years, I’ve seen the profound impact a well-chosen drug plan can have on a retiree’s budget and peace of mind. I’ve also navigated every major change to the program, including the most significant and beneficial update in its history: the changes from the Inflation Reduction Act that take full effect in 2025.

My philosophy is simple: The Part D plan with the lowest premium is rarely the plan with the lowest total cost. Choosing the right plan is a math problem. Our service is to use our expertise and the official tools to solve that math problem for you. This guide will demystify Part D, explain the new rules for 2025, detail our analytical service, and arm you with the critical questions you must ask to choose the right agent to be your trusted partner.

Part 1: Demystifying Medicare Part D in 2025 – Your Prescription Drug Coverage

Before we discuss our services, it’s crucial to understand the fundamentals of Part D and the groundbreaking changes for 2025.

What is Medicare Part D?

Medicare Part D is the federal program designed to help Medicare beneficiaries with the costs of outpatient prescription drugs. It is not provided directly by the government. Instead, the coverage is offered through private insurance companies that have been approved by Medicare.1

Who Needs Part D Coverage?

Virtually everyone with Medicare needs to have “creditable” prescription drug coverage. If you go without it for 63 consecutive days or more after you are first eligible, you will likely incur a lifelong Late Enrollment Penalty that will be added to your monthly Part D premium for the rest of your life. This is why it’s so important to enroll in a drug plan when you first enroll in Medicare, even if you don’t currently take many prescriptions.

The Two Ways to Get Part D Coverage:

  1. A Standalone Prescription Drug Plan (PDP): This is a separate insurance policy you buy from a private carrier (like SilverScript, Wellcare, or Aetna) that works alongside your Original Medicare (Parts A and B).2 This is the path you would take if you choose to have Original Medicare with a Medigap plan.
  2. A Medicare Advantage Plan that Includes Drug Coverage (MAPD): This is the most common way to get drug coverage. The vast majority of Medicare Advantage (Part C) plans in Florida already have Part D coverage bundled into their all-in-one plan.

The BIG News for 2025: How the Inflation Reduction Act (IRA) Transformed Part D

The changes that take full effect in 2025 are the most significant improvements in the history of the program and provide a powerful new safety net for seniors.

  • A $2,000 Out-of-Pocket Cap: The dreaded “donut hole” is effectively gone. For the first time ever, your annual out-of-pocket spending on prescription drugs is capped. In 2025, once your out-of-pocket costs (what you pay for your deductible and copayments) reach $2,000, you will pay $0 for all of your covered prescription drugs for the rest of the calendar year.3
  • Monthly Out-of-Pocket Smoothing (The MOP Program): A new, optional program allows you to spread your out-of-pocket costs throughout the year in the form of a fixed monthly payment, protecting you from large, unexpected pharmacy bills.4
  • Continued Insulin Cap: The cost for a one-month supply of covered insulin products remains capped at $35.5
  • Free Vaccines: Adult vaccines recommended by the ACIP (like the shingles vaccine) are now covered at no cost.6

Part 2: The Anatomy of a Part D Plan – The Four Key Cost Factors

To solve the “math problem” of choosing the best plan, we must analyze four key components for every plan available to you.

  1. The Monthly Premium: This is the fixed amount you pay each month to the insurance company to keep your plan active.7
  2. The Annual Deductible: This is the amount you must pay out-of-pocket for your drugs before the plan begins to pay its share.8 For 2025, the maximum allowable deductible is set by Medicare, but many plans offer a lower deductible, or even a $0 deductible for generic drugs.
  3. The Formulary (The Drug List): This is the most important part of the plan. The formulary is the list of all the prescription drugs that the plan covers.9 Drugs on the formulary are typically grouped into “tiers.”10
    • Tier 1: Preferred Generic Drugs (lowest copay)
    • Tier 2: Non-Preferred Generic Drugs
    • Tier 3: Preferred Brand-Name Drugs
    • Tier 4: Non-Preferred Brand-Name Drugs
    • Tier 5: Specialty Tier Drugs (highest cost)If a drug is not on a plan’s formulary, you will likely have to pay 100% of its cost.
  4. The Copayments or Coinsurance: This is the amount you pay for each prescription after you’ve met your deductible. It is determined by the tier your drug is on.

The “best” plan is the one where the sum of (Annual Premiums + Deductible + All of Your Copayments) is the lowest.

Part 3: Our Part D Analysis Service – A Data-Driven Approach to Finding Your Best Plan

Our service is designed to be a meticulous, analytical process that takes the guesswork out of choosing a plan.

  1. The Medication List Compilation: The accuracy of our analysis depends on the quality of your data. We work with you to create a complete and accurate list of all your current medications, including the exact drug name, the dosage, and the frequency you take it.
  2. The Preferred Pharmacy Check: The cost of your medications can vary depending on which pharmacy you use.11 We will ask you for your preferred pharmacies (e.g., Publix, Walgreens, CVS, or mail-order) so we can include this in our analysis.
  3. The Medicare.gov Plan Finder Analysis: We use the official, unbiased Medicare Plan Finder tool on the government’s website. This is the only tool that has all the up-to-date information for every single plan in your zip code. We meticulously enter your drug list, dosages, and preferred pharmacies into this tool.
  4. The Total Annual Cost Comparison: The Plan Finder then performs a complex calculation and provides us with a ranked list of all the available plans, sorted by the lowest total estimated annual cost. This number includes your premiums, your deductible, and all of your estimated copayments for the year.
  5. The Unbiased Recommendation & Enrollment: We will present you with a clear, easy-to-understand summary of the top 1-3 plans that are mathematically the best fit for you. We’ll explain the pros and cons of each, answer your questions, and then assist you with the entire enrollment process.
  6. The Critical Annual Review: A Part D plan’s formulary, premium, and copayments can change every single year.12 The plan that was best for you this year might be a terrible choice for you next year. A core part of our service is to proactively contact you every year during the Annual Enrollment Period (Oct 15 – Dec 7) to repeat this analysis and ensure you are always in the most cost-effective plan.

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

Choosing an agent to help with this important financial decision is critical. Use these ten questions to find a true expert.

1. “What is your exact process for helping me choose a Part D plan? Do you use the official Medicare.gov Plan Finder tool?”

  • Why it’s vital: This is the #1 qualifying question. The only correct answer is that they use the official government Plan Finder. Any agent who “eyeballs” it or uses their own proprietary tool is not performing a complete and unbiased analysis.

2. “Will you take the time to enter my entire list of medications, including the specific dosages and frequencies, to run a personalized comparison?”

  • Why it matters: This tests their diligence. A lazy agent might just ask for a few of your most expensive drugs. A true professional knows that accuracy depends on entering every single medication correctly.

3. “Can you explain the new $2,000 out-of-pocket cap for 2025 and how the ‘Monthly Out-of-Pocket Smoothing’ program works?”

  • Why it matters: This tests their knowledge of the most significant and current changes to the Part D program. An expert in 2025 will be able to explain these new benefits confidently and clearly.

4. “How do you help me understand a plan’s formulary, including potential restrictions like ‘Prior Authorization’ or ‘Step Therapy’?”

  • Why it matters: This tests their deeper knowledge. The best plan might still have rules. An expert will be able to identify these potential hurdles and explain what they mean for you.

5. “Is there any cost for this detailed analysis and your enrollment help?”

  • Why it matters: The answer must be “no.” Agents are compensated directly by the insurance companies. You should never be charged a fee for an agent’s help with your Part D plan.

6. “What ongoing support do you provide if I run into an issue at the pharmacy, or if my medication needs change mid-year?”

  • Why it matters: This separates a transactional salesperson from a long-term advisor. You want an agent who will be your advocate when you need them.

7. “What is your proactive process for contacting me each year during the Annual Enrollment Period to review my drug plan?”

  • Why it matters: This tests their commitment to ensuring you are always in the right plan. A great agent will have a system in place for these critical annual reviews.

8. “Are you an independent agent who is certified and appointed with all, or at least most, of the major Part D carriers in Florida?”

  • Why it matters: This ensures they can enroll you in whichever plan is mathematically the best for you, without bias.

9. “What is your experience helping clients with very high-cost, specialty tier drugs?”

  • Why it matters: This tests their expertise in the most complex and expensive cases. They should be able to discuss strategies like applying for financial assistance from manufacturers or foundations.

10. “Why is it so important that I review my Part D plan every single year, even if my medications haven’t changed?”

  • Why it matters: This tests their core philosophy.
  • A great answer is: “Because the plans themselves change every year. Your plan’s premium, deductible, formulary, and copayments are only locked in for one calendar year. The best plan this year is very often not the best plan next year, and a simple review can save you a significant amount of money.”

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

🚩 Major Red Flags to Run From 🚩

  • Recommends a plan based only on the monthly premium. This is the biggest sign of an amateur.
  • Does not use the official Medicare.gov Plan Finder to run a personalized analysis.
  • Doesn’t ask for your complete and detailed list of medications.
  • Rushes the process or pressures you into making a quick decision.
  • Cannot clearly explain the new 2025 Part D rules like the $2,000 cap.

✅ Bright Green Lights to Look For ✅

  • Insists on getting your complete drug list before making any recommendation.
  • Their entire process is built around finding the lowest total annual out-of-pocket cost.
  • They are fluent in the Medicare.gov Plan Finder and use it as their primary tool.
  • They have a proactive system for conducting annual reviews during AEP.
  • They act as your personal data analyst and long-term advisor.

Your Final Decision

Your prescription drug coverage is a critical component of your health and financial well-being in retirement. Choosing the right Part D plan is a decision that can save you thousands of dollars and provide invaluable peace of mind, especially with the powerful new protections in place for 2025. This is not a decision to be made lightly or based on a catchy commercial.

By partnering with a knowledgeable, independent agent who is dedicated to a meticulous, data-driven process, you gain a powerful advocate. You ensure that you are not just buying a plan, but that you are enrolled in the single most cost-effective solution for your unique needs. Let us run the numbers for you, so you can focus on your health.

Medicare Part D INSURANCE AGENT AND BROKER NEAR ME

Medicare Part D 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

EMAIL ME MOBILE / TEXT

FAQ

Medicare Part D Insurance

Medicare Part D is the part of the Medicare program that provides insurance coverage for outpatient prescription drugs. It is not provided directly by the government but through private insurance companies that have been approved by Medicare. Think of it as your essential coverage for the medications you pick up at a pharmacy. Because Original Medicare (Parts A and B) does not cover most self-administered prescriptions, Part D is a critical component for managing your healthcare costs in retirement. You can get this coverage either through a standalone Prescription Drug Plan (PDP) that works alongside Original Medicare, or as part of a Medicare Advantage (Part C) plan that bundles medical and drug coverage together.

In my experience, almost every single person with Medicare should enroll in a Part D plan as soon as they are first eligible. The reason is the Late Enrollment Penalty (LEP). If you go for 63 consecutive days or more without creditable drug coverage after your Initial Enrollment Period ends, you will be charged a penalty if you decide to enroll later. This penalty is not a one-time fee; it is a percentage added to your monthly Part D premium for the rest of your life. Enrolling in a low-cost plan when you’re first eligible—even if you don’t take many prescriptions now—is a crucial step to avoid this permanent penalty down the road.

You have two main paths to get your prescription drug coverage, and the path you choose will depend on how you decide to receive your medical benefits.

  • A Standalone Prescription Drug Plan (PDP): If you choose to have Original Medicare (Parts A and B), often paired with a Medigap plan, you will need to enroll in a separate, standalone Part D plan from a private insurer. This plan will have its own premium and ID card that you use only at the pharmacy.
  • A Medicare Advantage Plan that includes Drug Coverage (MAPD): If you choose to get your benefits through an all-in-one Medicare Advantage (Part C) plan, the vast majority of these plans already include prescription drug coverage. This is a convenient option that bundles all your benefits under a single plan and a single ID card.

This is the most important and beneficial change to the program in its history. Thanks to the Inflation Reduction Act, for the first time ever, there is a hard cap on your out-of-pocket drug spending. As of January 1, 2025, the absolute most you will pay for your covered prescription drugs in a calendar year is approximately $2,000. Once your out-of-pocket spending (what you pay for your deductible and copayments) reaches this cap, you will pay $0 for your prescriptions for the rest of the year. This is a monumental change that provides a crucial financial safety net against catastrophic drug costs, especially for those who take expensive specialty medications.

The new cap simplifies your costs significantly. Throughout the year, you will pay your plan’s normal costs—your deductible and your copayments/coinsurance for each prescription you fill. Your plan will track how much you have spent out-of-pocket. Once the total amount you have personally paid reaches the annual cap (around $2,000 for 2025), the plan’s computer system will automatically recognize this. For every subsequent covered prescription you fill for the remainder of the calendar year, your cost at the pharmacy will be $0. This cap resets on January 1st of the next year. This protection is automatic and applies to all Medicare Part D plans, both standalone and those included in Medicare Advantage plans.

This is a nuanced but important question. Technically, the four phases of Part D coverage (Deductible, Initial Coverage, Coverage Gap, and Catastrophic Coverage) still exist on paper. However, the financial sting of the old system is gone. In the past, when you entered the Coverage Gap or “Donut Hole,” your costs would suddenly increase. Now, with the new $2,000 annual cap, you are protected. So while you may still technically enter the “Coverage Gap” phase, your costs will not change unpredictably, and you will never face the unlimited spending that used to exist in the “Catastrophic” phase. For all practical purposes, the Donut Hole as a source of financial hardship has been eliminated.

This is another new, beneficial feature for 2025, designed to make your costs more predictable. The Medicare Prescription Payment Plan allows you to “smooth” your out-of-pocket costs throughout the year. If you know you will have high drug costs, you can opt into this program with your Part D plan. The plan will then bill you for your out-of-pocket costs in fixed, predictable monthly installments instead of you having to pay large, variable amounts at the pharmacy each time you fill a prescription. The total you pay for the year will be the same, but it protects you from having to pay, for example, a single $500 bill at the pharmacy in one month.

There are three primary costs you need to analyze when comparing plans:

  • The Monthly Premium: This is the fixed amount you pay to the insurance company each month to keep your plan active.
  • The Annual Deductible: This is the amount you must pay out-of-pocket for your drugs before the plan starts to pay its share. In 2025, the maximum allowable deductible is set by Medicare, but many plans offer lower deductibles.
  • Copayments or Coinsurance: This is your share of the cost for each prescription after you’ve met your deductible. It can be a fixed amount (e.g., a $10 copay) or a percentage of the drug’s cost (e.g., 25% coinsurance). These costs will vary based on the plan’s formulary and which tier your drug is on.

The formulary is the complete list of all the prescription drugs covered by a specific Part D plan. This is the most critical part of any plan, and every plan’s formulary is different. The drugs on the formulary are typically grouped into tiers. The tiering system determines your copayment. A typical tier structure looks like this:

  • Tier 1: Preferred Generic Drugs (lowest copay)
  • Tier 2: Non-Preferred Generic Drugs
  • Tier 3: Preferred Brand-Name Drugs
  • Tier 4: Non-Preferred Brand-Name Drugs
  • Tier 5: Specialty Tier Drugs (highest cost) When choosing a plan, it is essential to check its formulary to ensure all of your medications are covered and to see which tier they are on, as this will dictate your costs.

This is the most critical piece of advice I can give. A Part D plan is an annual contract. This means the insurance company can, and often does, change the three most important parts of the plan every single year: the monthly premium, the formulary (which drugs are covered), and the copayments. The plan that was the most cost-effective for you this year could be a terrible and expensive choice for you next year if they drop one of your key medications or change its tier. The Annual Enrollment Period (Oct 15 – Dec 7) is your chance to re-evaluate and switch. Failing to review your plan annually is one of the costliest mistakes a person on Medicare can make.

The only way to do this accurately is to perform a personalized, data-driven analysis. The “best” plan is not the one with the lowest premium; it’s the one with the lowest total annual out-of-pocket cost. The process involves using the official Medicare Plan Finder tool on the Medicare.gov website. You must enter your specific list of medications, including the exact names, dosages, and frequencies, along with your preferred pharmacy (like Publix or Walgreens here in Florida). The tool will then calculate your estimated total annual cost—including your premiums, deductible, and all of your copayments—for every single plan available in your zip code, allowing you to make a purely mathematical decision.

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.

The Part D Late Enrollment Penalty (LEP) is a lifelong penalty added to your monthly premium if you go without creditable drug coverage for 63 consecutive days or more after you are first eligible for Medicare. The penalty is calculated as 1% of the national base beneficiary premium for every full month you were without coverage. For example, if you waited 20 months to enroll, your penalty would be 20% of the base premium, added to your plan’s premium every month, for the rest of your life. The only way to avoid it is to enroll in a Part D plan during your Initial Enrollment Period, unless you have other “creditable” coverage, such as from the VA or an employer.

If your drug is not on your plan’s formulary, your first step should be to talk to your doctor. They may be able to prescribe a different, therapeutically similar drug that is on the formulary. If no alternative is medically appropriate, you have the right to request a formulary exception. This is a formal process where you and your doctor ask the plan to cover the drug for you. Your doctor will need to provide a statement explaining why the non-formulary drug is medically necessary for your treatment. The plan will review the request and make a decision. If they deny it, you have the right to appeal their decision.

These are two common formulary restrictions that plans use to manage costs.

  • Prior Authorization (PA): This means that before the plan will cover a specific, often expensive, medication, your doctor must first get approval from the insurance plan. Your doctor will need to submit documentation to show that the drug is medically necessary for your condition.
  • Step Therapy: This requires you to first try a more common or less expensive drug to treat your condition. If that drug doesn’t work for you, the plan will then “step up” and approve coverage for the more expensive medication your doctor originally prescribed. It’s important to check if any of your medications have these restrictions when choosing a plan.

Most Part D plans have a network of pharmacies. You will generally need to use a pharmacy that is in your plan’s network to have your prescriptions covered. Within that network, plans often have “preferred” pharmacies where your copayments will be lower, and “standard” pharmacies where your copayments may be slightly higher. Before enrolling in a plan, it is crucial to check its pharmacy network to ensure your preferred local pharmacy or a convenient mail-order option is included and, ideally, is a “preferred” partner to maximize your savings.

Yes, absolutely. The primary program is called Extra Help, also known as the Part D Low-Income Subsidy (LIS). This is a federal program that helps people with limited income and assets pay for their Part D premiums, deductibles, and copayments. If you qualify for Extra Help, your drug costs can be significantly reduced, often to just a few dollars per prescription. You can apply for Extra Help through the Social Security Administration. Many people who qualify are unaware that this program exists, and it can be a financial lifesaver.

This is another major benefit from the Inflation Reduction Act. If you use insulin and are enrolled in a Part D plan, your out-of-pocket cost for each covered insulin product is capped at $35 for a one-month supply. This cap applies throughout all phases of your Part D coverage, including during the deductible phase. This means that even if you haven’t yet paid your annual deductible, your insulin will still only cost you a maximum of $35 per month. This applies to a wide range of insulin products on each plan’s formulary and is a critical benefit for the millions of people with diabetes on Medicare.

Yes. This is another excellent new benefit that took effect recently. All adult vaccines that are recommended by the Advisory Committee on Immunization Practices (ACIP) are now covered by Part D at no cost to you. This means there is no deductible and no copayment for these vaccines. The most common and important vaccine in this category is the shingles vaccine (Shingrix), which can be very expensive. Other covered vaccines include the Tdap (tetanus, diphtheria, pertussis) vaccine. This change makes it much easier and more affordable for seniors to stay up-to-date on these important preventive health measures.

This is a common and challenging situation. If your doctor prescribes a new medication mid-year, the first step is to check if it is on your current plan’s formulary. If it is, you will simply start paying the designated copayment. If it is not on the formulary, or if it is a very expensive specialty drug, you may face significant costs. In most cases, you cannot switch your Part D plan outside of the Annual Enrollment Period. Your primary recourse would be to work with your doctor to file a formulary exception to try and get the drug covered. This highlights the importance of choosing a plan with a broad and stable formulary during AEP.

In my 10+ years of experience, the answer is almost always no. This is the single biggest and most costly mistake that people make when choosing a Part D plan. A plan with a $15 premium might have a high deductible and high copayments for your specific drugs, while a plan with a $50 premium might have a lower deductible and much lower copayments. For many people, the slightly more expensive premium plan can end up saving them hundreds or thousands of dollars over the course of the year. The only way to know for sure is to do a full analysis of the total estimated annual cost.

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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STEVE TURNER INSURANCE SPECIALIST

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Medicare Part D Insurance

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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.