Medicare Help in Tampa
Medicare has four parts and dozens of plan choices in Hillsborough County. Our licensed agents explain Parts A, B, C and D in plain language, compare Medicare Advantage and Medigap options, check that your doctors and prescriptions are covered, and enroll you — at no cost to you.
Medicare tiene cuatro partes y docenas de opciones en el condado de Hillsborough. Nuestros agentes licenciados le explican las Partes A, B, C y D en español, comparan planes Medicare Advantage y suplementarios, y lo inscriben sin costo.
Turning 65
We map your Initial Enrollment Period so you avoid late-enrollment penalties.
Medicare Advantage
Part C plans with dental, vision, hearing, transportation and OTC allowances.
Medigap Supplements
Plan G, Plan N and other supplements that cover what Original Medicare leaves behind.
Part D Drug Plans
We run your prescription list to find the lowest total yearly drug cost.
Dual Eligible / Extra Help
Have Medicare and Medicaid? We check you into the right D-SNP plan and Extra Help.
Annual Review
Plans change every year — we review your coverage each fall during Annual Enrollment.
Frequently Asked Questions
When should I sign up for Medicare?
Your Initial Enrollment Period starts three months before the month you turn 65 and ends three months after. If you are still working, we can explain how to delay Part B without a penalty.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) bundles your coverage through a private plan, often with extra dental, vision, and OTC benefits. A Medigap supplement pays the gaps in Original Medicare and pairs with a standalone Part D drug plan.
Does it cost anything to use your agents?
No. Medicare plan guidance is free to you — we are compensated by the carriers.
Can I change my plan?
Yes. Annual Enrollment runs October 15 to December 7, with a Medicare Advantage Open Enrollment window January 1 to March 31 and Special Enrollment Periods for qualifying events.
Which Medicare carriers do you offer in Tampa?
We work with Humana, Aetna, UnitedHealthcare, Devoted, Cigna, Optimum/Freedom and other plans available in Hillsborough County.
What are the Medicare enrollment periods?
Your Initial Enrollment Period is the seven months around your 65th birthday. Annual Enrollment runs October 15 to December 7, Medicare Advantage Open Enrollment runs January 1 to March 31, and Special Enrollment Periods open after qualifying events like moving or losing employer coverage.
Do I need a Part D drug plan if I do not take any medications?
Usually yes. If you go without creditable drug coverage you can owe a late enrollment penalty for life once you do need it. A low-cost Part D plan is normally cheaper than the penalty.
What are Medicare Savings Programs and Extra Help?
They are state and federal programs that pay some or all of your Part B premium and lower your prescription costs if your income and assets are limited. We screen you for both at no charge and can file the application with you.
What is a dual-eligible (D-SNP) plan?
A Dual Eligible Special Needs Plan is for people who have both Medicare and Medicaid. These plans often add dental, vision, hearing, transportation, and an over-the-counter allowance at no extra premium.
Can you help me if I am turning 65 soon?
Yes. Come see us about three months before your birthday month so we can compare plans, check that your doctors and prescriptions are covered, and get your enrollment submitted on time.