|⏳ 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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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 Supplement Insurance

MEDICARE SUPPLEMENT INSURANCE

Medicare Supplement Insurance

As a Florida-based independent insurance agent with extensive experience, our primary service is to help you navigate the world of Medicare Supplement (or “Medigap”) Plans. These plans are not offered by Medicaid, but are private insurance policies designed to work with Original Medicare.1 We offer a comprehensive portfolio of plans from all the top-rated carriers in Florida, including the most popular options like Plan G, Plan N, and High-Deductible Plan G. Our service begins with a no-cost, educational consultation to help you understand how these plans provide predictable costs and unparalleled freedom of choice in your healthcare. We then conduct a detailed market and rate-stability analysis to find you the most cost-effective plan from a reputable carrier.

When choosing an agent for a Medigap plan, the most critical question you can ask is: “Since Medigap plans are standardized, how do you help me choose the best company for my needs?” An expert agent will explain that since a Plan G from one company is medically identical to a Plan G from another, the choice should be based on three factors: the company’s current price, its historical rate increase stability, and its financial strength rating. You must also inquire if they are an independent agent who can provide quotes from a wide variety of carriers, not just one or two.

Medicare Supplement Insurance Plans We Offer: A Florida Expert’s Guide to Freedom of Choice and Predictable Healthcare Costs

When you retire, the last thing you want is to worry about unexpected medical bills or to discover that your trusted doctor is suddenly “out-of-network.” For many Florida residents, the key to true peace of mind and control over their healthcare is a Medicare Supplement Insurance Plan, also known by the popular nickname, Medigap.

As an independent insurance agent who has spent many years specializing in these plans for Florida residents, I’ve seen the confidence and security they provide. A Medigap plan is for the individual who values predictability and freedom above all else.2 It is the answer to the uncertainty of Original Medicare’s out-of-pocket costs and the network restrictions of managed care.

However, the world of Medigap has its own complexities. With dozens of insurance companies offering what appear to be identical plans at different prices, how do you choose? This guide is my comprehensive blueprint for you. It’s designed to demystify Medigap, explain the specific plan options we offer, and arm you with the critical questions you must ask to choose not just the right plan, but the right long-term insurance carrier and the right expert agent to be your guide.

Part 1: What is a Medicare Supplement (Medigap) Plan? – The Foundation of Predictable Coverage

Before we explore the specific plans, it’s crucial to understand what a Medigap plan is and how it works. A Medigap plan is a private insurance policy that you purchase to work alongside your Original Medicare (Part A and Part B).3 Its sole purpose is to pay for the “gaps” in coverage that Original Medicare leaves behind.4

How It Works: The “Pays Second” Model

The process is seamless. You will have your red, white, and blue Medicare card and a separate ID card from your Medigap insurance company.5 When you visit any doctor or hospital in the U.S. that accepts Medicare:

  1. You show both cards.
  2. The provider bills Medicare first.
  3. Medicare pays its share (typically 80% of the medical bill).
  4. Medicare then automatically forwards the remaining bill to your Medigap plan.
  5. Your Medigap plan pays its share (often the remaining 20%).6

The “Gaps” a Medigap Plan Fills:

Original Medicare has significant out-of-pocket costs with no annual limit. Medigap plans are designed to cover these specific costs, including:

  • The large Part A hospital deductible (approximately $1,680 in 2025).
  • Daily hospital coinsurance for extended stays.
  • The 20% coinsurance for virtually all Part B doctor’s services and outpatient care.
  • Skilled Nursing Facility coinsurance.7
  • Foreign travel emergency care.8

The Power of Standardization: A Plan G is a Plan G

This is the most important concept to understand about Medigap. The plans are standardized by the federal government and are identified by letters (A, B, C, D, F, G, N).9 This means that a Plan G from one insurance company has the exact same medical benefits as a Plan G from any other company. This makes it easy to compare plans, because if you’ve decided on a Plan G, your decision simply comes down to choosing the best company.

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

As an independent agency, we are appointed with dozens of top-rated Medigap carriers in Florida. This allows us to find the best value for you. While there are several plan letters, for new Medicare beneficiaries in 2025, the conversation almost always centers on three excellent options.

A. Plan G: The Gold Standard

Plan G has become the most popular and comprehensive plan for new Medicare beneficiaries.

  • What It Covers: Plan G covers every single gap in Original Medicare, except for the small, annual Part B deductible (approximately $250 in 2025).10 Once you have paid that deductible once per year out-of-pocket, Plan G covers 100% of all your Medicare-approved expenses for the rest of the year. This includes the Part A deductible and all of the 20% coinsurance for your doctor bills.
  • Best For: Individuals who want the highest level of coverage, the most predictable costs, and virtual elimination of medical bills. You pay a higher monthly premium in exchange for this comprehensive peace of mind.

B. Plan N: The Smart Cost-Sharing Option

Plan N is a fantastic option for those who want excellent coverage but are willing to share a small, predictable portion of their costs in exchange for a lower monthly premium.11

  • What It Covers: Plan N provides the same coverage as Plan G for major hospital costs. For outpatient services, it still covers the 20% coinsurance, but you agree to pay a small copayment for doctor and emergency room visits (up to $20 for an office visit and up to $50 for an ER visit that doesn’t result in an inpatient admission).12 It also does not cover Part B excess charges (which are rare in Florida).
  • Best For: Individuals who are relatively healthy, want to save money on their monthly premiums, and are comfortable with small, predictable copayments for their routine medical care.

C. High-Deductible Plan G: The Catastrophic Coverage Option

This plan offers the same comprehensive benefits as a standard Plan G, but with a key difference.

  • How It Works: You must first pay a higher annual deductible out-of-pocket (approximately $2,800 in 2025). This deductible includes all of your Medicare Part A and B deductibles and coinsurance. After you have met that deductible, the plan then pays 100% of all your Medicare-approved costs for the rest of the year.
  • Best For: Healthy, savvy consumers who can comfortably afford the deductible and want a much lower monthly premium while still having a rock-solid safety net against a catastrophic health event.

What About Plan F?

You may have heard about Plan F, which was formerly the most popular plan. Due to a federal law change (MACRA), Plan F is only available to individuals who were eligible for Medicare before January 1, 2020. If you are turning 65 in 2025, you are not eligible to purchase Plan F.

Part 3: Our Service Process – A Data-Driven Approach to Choosing Your Carrier

Since Medigap plans are standardized, choosing the right company is a critical financial decision. Our expert service is designed to help you make the best long-term choice.

  1. The Educational Consultation: We start with a no-cost, no-obligation meeting to educate you on your options, focusing on a clear comparison between the Medigap path and the Medicare Advantage path.
  2. The Comprehensive Needs Analysis: We take the time to listen to your health needs, your budget, and your risk tolerance to help you decide which plan letter (G, N, etc.) is the best fit for you.
  3. The Unbiased Market & Rate Analysis: This is our core service. We use our specialized software to instantly compare the current monthly premiums for your chosen plan from dozens of top-rated insurance carriers in your specific Florida zip code.
  4. The Rate Stability Consultation: We don’t just show you the cheapest price today. A low introductory rate is meaningless if it’s followed by large rate increases year after year. We provide you with the historical rate increase data for the top carriers, helping you choose a company known for stable and predictable pricing. We also review the financial strength ratings (from A.M. Best) of each company.
  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 relationship doesn’t end there. We are your advocate. If rates increase significantly in the future, we can help you shop the market again to find a better value.

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

Choosing the right agent is crucial. Here are the ten essential questions you should ask.

1. “Since Medigap plans are standardized, what is your specific process for helping me choose the best company for my Plan G?”

  • Why it matters: This is the #1 expert question for Medigap. A great agent will immediately start talking about comparing carriers based on price, rate increase history, and financial ratings. A less experienced agent will not have a good answer.

2. “Are you an independent agent, and how many different Medigap carriers are you appointed with in Florida?”

  • Why it matters: An independent agent can provide you with quotes from across the entire market to find the best price. A captive agent can only offer you their company’s product, which may not be the most competitive.

3. “Can you provide me with the historical rate increase data for the top 2-3 carriers you are recommending?”

  • Why it matters: This tests their commitment to your long-term financial health. An agent who is truly looking out for you will want you to choose a company with a history of stable rates.

4. “What is the ‘guaranteed issue’ right, and how does it apply to me during my Medigap Open Enrollment Period when I first turn 65?”

  • Why it matters: This tests their knowledge of the most important Medigap enrollment rule. They should be able to clearly explain that during this one-time, six-month window, you can buy any Medigap plan from any company, regardless of your health history.13

5. “Is there any cost for your services, either now or in the future?”

  • 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.

6. “How do you help me choose a separate Part D prescription drug plan to go with my Medigap policy?”

  • Why it matters: A Medigap plan does not include drug coverage.14 A great agent will have a meticulous, data-driven process for helping you find the most cost-effective standalone Part D plan based on your specific medication list.

7. “What is your experience with the different household discounts that various carriers may offer?”

  • Why it matters: This is a nuanced, expert question. Many companies offer a discount (typically 5-12%) if you and your spouse both enroll. A knowledgeable agent will factor this into their cost analysis for you.

8. “What ongoing support do you provide after I’m enrolled, especially if my plan’s rates increase significantly in a few years?”

  • Why it matters: This tests their commitment to a long-term relationship. A great agent will proactively help you shop the rate again in the future to ensure you always have the best value.

9. “Can you explain the difference between ‘attained-age,’ ‘issue-age,’ and ‘community-rated’ policies and which are most common in Florida?”

  • Why it matters: This is an advanced question that tests their deep product knowledge. They should be able to explain how the different rating methods affect your future premiums.

10. “Why should I work with you instead of just calling a big insurance carrier directly?”

  • Why it matters: This asks them to directly state their value proposition. A great agent will explain that a carrier can only sell you their own product, while they can act as your unbiased advocate and comparison shopper across the entire market.

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

🚩 Major Red Flags to Run From 🚩

  • Pushes One Specific Company: They are likely a captive agent or are pushing the product with the highest commission.
  • Doesn’t Mention Rate Increase History: They are focused on making the easiest sale today, not on your long-term costs.
  • Cannot Clearly Explain why a Plan G is a Plan G, regardless of the company.
  • Doesn’t Have a Clear Process for helping you with your separate Part D drug plan.

✅ Bright Green Lights to Look For ✅

  • Takes an Educational Approach, focusing on teaching you your options.
  • Their analysis is focused on rate stability and company ratings, not just the initial price.
  • Represents a Wide Range of Top-Rated Carriers and provides you with a full market comparison.
  • Acts as a true long-term advisor, committed to helping you manage your coverage for years to come.

Your Final Decision

A Medicare Supplement plan offers the ultimate in predictability, financial security, and freedom of choice for your healthcare in retirement. It allows you to budget for your healthcare with confidence and to see any doctor you choose, anywhere in the country.15

While the benefits of the plans are standardized, the quality and long-term cost of the insurance companies that offer them are not. By partnering with a knowledgeable, independent agent who is dedicated to your best interests, you gain a powerful advocate. You get an expert who can not only help you find the best value today but can also help you manage your coverage to ensure it remains the best value for all the years to come. Your retirement should be worry-free; we’re here to help make sure your healthcare is too.

Medicare SUPPLEMENT INSURANCE AGENT AND BROKER NEAR ME

Medicare Supplement Insurance

As your Medicare Supplement 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 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 find a Medicare Supplement plan that gives you peace of mind knowing you have predictable out-of-pocket expenses, and you can choose any doctor or specialist that accepts Medicare Nationwide.

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 Supplement 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 Supplement Insurance

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. Your Medigap policy is guaranteed renewable as long as you pay your premium. [Medicare Supplement Insurance]

Once you buy a policy, you’ll keep it as long as you pay your Medigap premiums. All standardized Medigap policies are automatically renewed yearly, even if you have health problems. [Medicare Supplement Insurance]

If you have a higher income, you’ll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the extra amount the “income-related monthly adjustment amount.” Here’s how it works: Part B helps pay for your doctor’s services and outpatient care. [Medicare Supplement Insurance]

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B. [Medicare Supplement Insurance]

You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can’t start earlier than the month you turn 65. [Medicare Supplement Insurance]

During your Medicare Supplement Open Enrollment Period, an insurance company can’t refuse to sell you a policy based on your pre-existing condition. It can’t charge you more than someone without health problems. After your Open Enrollment Period ends, you may be subject to medical underwriting. [Medicare Supplement Insurance]

With Medicare Supplement Plan F, you get the most complete coverage available. And because Plan F also covers costs over Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor’s office care. [Medicare Supplement Insurance]

There is no limit on how much cash you can have with Medicare Part A. You must have paid taxes for 40 quarters (10 years) during your working lifetime, and you must be age 65 unless otherwise qualified due to a disability eligible for social security. [Medicare Supplement Insurance]

If you earn more than $103,000 ($206,000 if you’re married), you pay higher monthly rates for Medicare Parts B and D. For 2024, your costs for Medicare Parts B and D are based on your 2022 tax return income. [Medicare Supplement Insurance]

The sale of your home could affect your Medicare Part B and Part D premiums if a significant capital gain increases your modified adjusted gross income (MAGI) above certain thresholds. [Medicare Supplement Insurance]

Income-Related Monthly Adjustment Amounts (IRMAA) explained

  • Depending on your income, your monthly Medicare Part B or Part D premiums may be higher due to an Income-Related Monthly Adjustment Amount (IRMAA)
  • Part B IRMAA started in 2007 as a result of the Medicare Modernization Act of 2003
  • Part D IRMAA started in 2011 as a result of the Affordable Care Act of 2010

Eligible Income

  • Medicare defines the income used to determine IRMAA as “adjusted gross income plus any tax-exempt interest.”
  • Also known as Modified Adjusted Gross Income
  • Examples include:
  • Wages
  • Social Security Benefits
  • Capital Gains
  • Dividends & Pensions
  • Rental Income
  • Tax-deferred distributions from 401(k)s or IRAs

[Medicare Supplement Insurance]

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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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Medicare Supplement Insurance

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.