Medicare FAQs

Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger people who qualify due to a disability or specific medical condition. Medicare includes different parts that help cover hospital care, medical services, prescription drugs, and other healthcare needs.

There are two main ways to receive Medicare coverage: Original Medicare, which includes Part A and Part B, or Medicare Advantage, also known as Part C. Depending on the coverage you choose, you may also consider Medicare Part D for prescription drugs or Medicare Supplement Insurance, commonly called Medigap.

Marshall Insurance Medicare Solutions helps individuals understand their Medicare coverage options and make informed decisions based on their healthcare needs, doctors, prescriptions, location, and other important factors.

Medicare is generally available to people age 65 and older who meet Medicare eligibility requirements. Some people under age 65 may also qualify because of certain disabilities or medical conditions.

Your specific enrollment situation can depend on factors such as your age, work history, current health coverage, disability status, and whether you are receiving certain Social Security or Railroad Retirement Board benefits.

If you are approaching age 65 or are unsure when you qualify for Medicare, a licensed Medicare agent can help you understand the questions you should consider as you prepare for enrollment.

Medicare is divided into several parts that cover different types of healthcare services.

Medicare Part A is hospital insurance and helps cover inpatient hospital care, skilled nursing facility care, hospice care, and certain home health services.

Medicare Part B is medical insurance and helps cover services from doctors and other healthcare providers, outpatient care, durable medical equipment, home health care, and many preventive services.

Medicare Part C, commonly called Medicare Advantage, is an alternative way to receive Medicare benefits through a Medicare-approved private insurance company.

Medicare Part D provides prescription drug coverage.

Understanding how these parts work together is an important first step when comparing Medicare coverage options.

Each part of Medicare serves a different purpose.

Part A primarily helps cover inpatient hospital and related facility care. Part B helps cover physician services, outpatient care, preventive services, and other medically necessary services and equipment. Together, Parts A and B make up Original Medicare.

Part C is Medicare Advantage. Medicare Advantage plans are offered by Medicare-approved private insurance companies and provide an alternative way to receive Part A and Part B benefits. Most Medicare Advantage plans also include Part D prescription drug coverage.

Part D helps cover prescription medications and can be obtained through a standalone Medicare drug plan when using Original Medicare or through many Medicare Advantage plans.

Original Medicare is the traditional Medicare program administered by the federal government and consists of Medicare Part A and Medicare Part B.

With Original Medicare, you can generally use any doctor or hospital in the United States that accepts Medicare. Original Medicare covers many healthcare services, but it does not cover every healthcare expense.

People with Original Medicare may choose to add a standalone Medicare Part D plan for prescription drug coverage. They may also consider Medicare Supplement Insurance, or Medigap, to help with certain out-of-pocket costs associated with Original Medicare.

Medicare Part A is commonly referred to as hospital insurance. In general, Part A helps cover inpatient hospital care, care in a skilled nursing facility under qualifying circumstances, hospice care, and certain home health services.

The specific amount Medicare pays and what you may owe can depend on the service, benefit period, eligibility requirements, and other factors.

Understanding Part A is especially important for people who are turning 65 or enrolling in Medicare for the first time because it forms one of the two primary components of Original Medicare.

Medicare Part B is medical insurance. It helps cover medically necessary services and many preventive services.

Coverage can include services from doctors and other healthcare providers, outpatient care, durable medical equipment, certain home health services, ambulance services, screenings, vaccines, and other covered medical services.

Part B works together with Part A to form Original Medicare. If you choose Medicare Advantage instead, you must generally have both Part A and Part B to join a Medicare Advantage plan.

Medicare Advantage, also known as Medicare Part C, is an alternative way to receive your Medicare benefits through a Medicare-approved private insurance company.

Medicare Advantage plans provide Part A and Part B benefits and most plans also include Medicare Part D prescription drug coverage. Some plans may offer additional benefits that Original Medicare does not cover, such as certain dental, vision, or hearing benefits.

Plans can differ by service area, provider network, prescription coverage, costs, and benefits. Because available Medicare Advantage plans can vary by location, it is important to compare the options available where you live.

Medicare Part D is Medicare prescription drug coverage. It helps cover the cost of prescription medications and is offered through private insurance companies that follow Medicare rules.

If you have Original Medicare, you can choose a standalone Medicare drug plan. Most Medicare Advantage plans include prescription drug coverage as part of the plan.

Because formularies, covered medications, pharmacies, and costs can differ between plans, reviewing your current prescriptions is an important part of comparing Medicare coverage.

Medicare Supplement Insurance, commonly called Medigap, is additional insurance sold by private insurance companies that can help pay certain out-of-pocket costs associated with Original Medicare.

Depending on the Medigap plan, coverage may help with costs such as copayments, coinsurance, and deductibles. Medigap works with Original Medicare and is different from Medicare Advantage.

Modern Medigap policies do not include prescription drug coverage, so someone who wants prescription coverage while using Original Medicare and Medigap may also need to consider a separate Medicare Part D plan.

Original Medicare covers many medically necessary healthcare services, but it does not cover everything.

For example, Original Medicare generally does not cover most routine dental care, routine eye exams, dentures, hearing aids, or long-term custodial care. It also does not include a yearly out-of-pocket maximum for covered Part A and Part B services.

Some people therefore consider additional coverage such as Medicare Part D for prescription drugs or Medicare Supplement Insurance to help with certain out-of-pocket costs. Medicare Advantage plans may also offer additional benefits beyond those provided by Original Medicare, depending on the specific plan.

There is no single Medicare coverage choice that fits everyone. The options you consider can depend on your doctors, prescriptions, healthcare needs, budget, travel habits, preferred pharmacies, current insurance, and where you live.

When comparing Medicare coverage, it can be helpful to look beyond the monthly premium and consider provider networks, prescription drug coverage, deductibles, copays, coinsurance, out-of-pocket limits, and other plan rules or benefits.

Marshall Insurance Medicare Solutions helps people understand and compare Medicare coverage options available in their area. Our licensed Medicare agents serve the Treasure Coast, Palm Beach County, and other Florida communities, with personalized Medicare guidance available in English and Spanish.

Before turning 65, it is helpful to understand how Medicare works and the decisions you may need to make about your healthcare coverage. Medicare includes Part A for hospital insurance, Part B for medical insurance, Medicare Advantage (Part C), and Part D for prescription drug coverage. Medicare Supplement Insurance, also known as Medigap, is another option for people who choose Original Medicare.

Your Medicare decisions can depend on whether you are retiring, continuing to work, covered by an employer health plan, taking prescription medications, or seeing specific doctors and specialists.

Learning about your Medicare coverage options before your 65th birthday can give you more time to understand enrollment deadlines and compare the choices available to you.

It is a good idea to begin learning about Medicare several months before your 65th birthday. This gives you time to understand Medicare Parts A and B, Medicare Advantage, Medicare Part D, and Medicare Supplement options before you need to make coverage decisions.

You should also consider your current health insurance, retirement date, doctors, prescription medications, preferred pharmacies, healthcare needs, and budget.

If you are still working or covered through an employer, your Medicare enrollment decisions may be different from those of someone who is retiring at age 65. A licensed Medicare agent can help you identify the questions you should consider based on your situation.

For most people who become eligible for Medicare at age 65, the Initial Enrollment Period is a seven-month period. It generally begins three months before the month you turn 65, includes your birthday month, and continues for three months afterward.

Some people are automatically enrolled in Medicare, while others need to actively sign up. Your situation may also be different if you are still working and have qualifying employer-sponsored health coverage.

Because enrollment timing can affect when coverage begins and may affect whether late enrollment penalties apply, it is important to understand the rules that apply to your individual situation.

For people becoming eligible for Medicare at age 65, the Initial Enrollment Period generally begins three months before the month of their 65th birthday.

Starting the process before your birthday can give you time to understand Medicare enrollment and consider how you want to receive your Medicare coverage.

Before enrolling in additional coverage, it can be useful to prepare a list of your doctors, specialists, prescription medications, preferred pharmacies, and expected healthcare needs so you can make more informed comparisons.

Not everyone is automatically enrolled in Medicare at age 65.

Some people who are already receiving Social Security or certain Railroad Retirement Board benefits may be automatically enrolled in Medicare Part A and Part B. Other people may need to sign up for Medicare themselves.

Do not assume that turning 65 automatically completes your Medicare enrollment. Check your enrollment status and understand what actions may be required before your Initial Enrollment Period ends.

One of the first decisions is determining when you should enroll in Medicare Part A and Part B based on your eligibility and current health coverage.

You will also need to consider how you want to receive your Medicare benefits. One path is Original Medicare, consisting of Part A and Part B. Depending on your needs, you may also consider Medicare Part D prescription drug coverage and Medicare Supplement Insurance. Another path is a Medicare Advantage plan, which provides Medicare benefits through a Medicare-approved private insurance company.

Your doctors, prescriptions, healthcare needs, budget, travel habits, current insurance, and location can all be important factors when evaluating Medicare coverage options.

The Medicare Initial Enrollment Period is the first enrollment window available to most people who become eligible for Medicare at age 65.

It generally lasts seven months: the three months before the month you turn 65, your birthday month, and the three months after your birthday month.

Your Initial Enrollment Period is important because it gives you the opportunity to enroll in Medicare at the appropriate time. Depending on your circumstances, delaying certain Medicare coverage without qualifying for another enrollment opportunity may result in gaps in coverage or late enrollment penalties.

What happens after missing your Initial Enrollment Period depends on your circumstances and the type of coverage involved.

Some people may qualify for a Special Enrollment Period because they continued working and maintained qualifying employer-sponsored coverage. Others may need to wait for another applicable Medicare enrollment period, and late enrollment penalties can apply in certain situations.

Because Medicare enrollment rules depend on your specific circumstances, it is important to determine which enrollment period applies rather than assuming you can enroll at any time.

Enrollment in Medicare Part A and Part B is handled through the Social Security Administration for most people. Some individuals are automatically enrolled, while others need to apply.

Once you understand your Part A and Part B enrollment, you can consider how you want to receive your Medicare coverage and whether options such as Medicare Advantage, Medicare Part D, or Medicare Supplement Insurance are appropriate to evaluate.

Marshall Insurance Medicare Solutions can help you understand Medicare coverage options, but enrollment in Original Medicare itself is handled through the appropriate federal agency.

Medicare Part A and Part B cover different types of healthcare services. Part A primarily helps cover inpatient hospital and related care, while Part B helps cover physician services, outpatient care, preventive services, durable medical equipment, and other covered medical services.

Together, Part A and Part B make up Original Medicare.

Having both Part A and Part B is also generally required to join a Medicare Advantage plan. Whether and when you should enroll in Part B can depend on factors such as your current employer coverage, so it is important to understand how the rules apply to your situation.

Medicare Part D provides prescription drug coverage. Whether you need to enroll when you first become eligible depends partly on whether you already have other prescription drug coverage that Medicare considers creditable.

If you choose Original Medicare and do not have other creditable prescription coverage, you may want to consider a standalone Medicare Part D plan. Many Medicare Advantage plans include prescription drug coverage.

Going without Part D or other creditable prescription drug coverage for too long after becoming eligible can result in a late enrollment penalty if you later enroll in Part D.

Yes. Speaking with a licensed Medicare agent before turning 65 can help you better understand Medicare terminology, enrollment periods, coverage options, and the questions you should consider before making Medicare decisions.

A Medicare agent can also help you think through factors such as your doctors, prescription medications, preferred pharmacies, healthcare needs, retirement plans, current insurance, and the Medicare coverage options available where you live.

Marshall Insurance Medicare Solutions helps people who are turning 65 and new to Medicare across the Treasure Coast, Palm Beach County, and other Florida communities. Personalized Medicare guidance is available in English and Spanish.

Medicare Advantage, also known as Medicare Part C, is another way to receive your Medicare Part A and Part B benefits. Medicare Advantage plans are offered by Medicare-approved private insurance companies that must follow Medicare rules.

Most Medicare Advantage plans also include Medicare Part D prescription drug coverage, and some plans may offer additional benefits beyond Original Medicare.

Plans can differ in costs, provider networks, prescription coverage, rules, and additional benefits. Because Medicare Advantage plans are offered by service area, the options available to you depend in part on where you live.

When you join a Medicare Advantage plan, you remain enrolled in Medicare, but you receive your Medicare-covered Part A and Part B services through the Medicare Advantage plan rather than through Original Medicare.

You must generally have both Medicare Part A and Part B to join a Medicare Advantage plan and continue paying your Medicare Part B premium.

Each plan can have its own costs, provider network, service area, prescription drug coverage, and rules for receiving healthcare services. This is why it is important to compare more than just the monthly plan premium when reviewing Medicare Advantage options.

Yes. Medicare Advantage is also known as Medicare Part C.

Medicare Advantage plans are offered by Medicare-approved private insurance companies and provide another way to receive your Medicare Part A and Part B benefits.

Many Medicare Advantage plans also include Part D prescription drug coverage and may offer additional benefits not included under Original Medicare. Specific benefits, costs, and availability depend on the individual plan and service area.

Medicare Advantage plans must cover the medically necessary services that Original Medicare covers, with limited exceptions such as certain hospice-related coverage that Original Medicare continues to handle.

Many Medicare Advantage plans also include Medicare Part D prescription drug coverage. Depending on the plan, additional benefits may be available for services such as certain dental, vision, hearing, fitness, or other healthcare-related benefits.

Coverage varies between plans, so it is important to review the specific plan's benefits, costs, provider network, prescription coverage, and rules before enrolling.

Many Medicare Advantage plans include Medicare Part D prescription drug coverage. These plans are commonly referred to as Medicare Advantage Prescription Drug plans, or MA-PDs.

Prescription coverage can differ significantly from one plan to another. Each plan may have its own formulary, pharmacy network, drug tiers, and cost-sharing requirements.

Before choosing a Medicare Advantage plan, review your current medications and preferred pharmacies to determine how they are covered under the plan you are considering.

Some Medicare Advantage plans offer additional benefits that Original Medicare generally does not cover, which may include certain dental, vision, or hearing services.

The type and amount of additional coverage can vary considerably between plans and locations. A plan may also have specific provider networks, coverage limits, copays, or other requirements for these benefits.

When comparing Medicare Advantage plans, consider the complete plan rather than choosing coverage based on one additional benefit alone. Your doctors, prescriptions, healthcare needs, costs, and provider network should also be part of the comparison.

Original Medicare consists of Medicare Part A and Part B and is administered by the federal government. With Original Medicare, you can generally use any doctor or hospital in the United States that accepts Medicare.

Medicare Advantage is offered by Medicare-approved private insurance companies and provides another way to receive Part A and Part B benefits. Medicare Advantage plans may use provider networks and most include Medicare Part D prescription drug coverage. Some plans also offer additional benefits not included with Original Medicare.

The two options can also differ in costs and how you access healthcare services, so the right considerations depend on your individual healthcare and coverage needs.

Medicare Advantage and Medicare Supplement Insurance, also called Medigap, are two different approaches to Medicare coverage.

Medicare Advantage is an alternative way to receive your Medicare Part A and Part B benefits through a Medicare-approved private insurance company. Medicare Supplement works alongside Original Medicare and can help pay certain out-of-pocket costs associated with Original Medicare.

You cannot use a Medigap policy to pay Medicare Advantage plan costs. When comparing Medicare Advantage and Medicare Supplement, consider factors such as doctors, prescriptions, travel, costs, provider access, and your healthcare needs.

Many Medicare Advantage plans use provider networks. Depending on the plan type, the network can affect which doctors, specialists, hospitals, and other healthcare providers you can use and what you may pay for their services.

For example, HMO and PPO Medicare Advantage plans can have different rules for receiving care within or outside their networks.

Before enrolling, check whether your current doctors, specialists, hospitals, and other important healthcare providers participate in the plan's network.

Possibly, but it depends on whether your doctor participates in the Medicare Advantage plan you are considering and on the plan's rules for receiving care.

Provider networks can differ between plans, even within the same geographic area. A doctor who participates in one Medicare Advantage plan may not participate in another.

Before enrolling or changing plans, check each important doctor and specialist against the plan's current provider information. Marshall Insurance can help you understand how to verify provider participation when comparing Medicare Advantage options.

Yes. Medicare Advantage plans are offered within specific service areas, so available plans can differ by county and location.

Someone living on Florida's Treasure Coast may have different Medicare Advantage options than someone living in another part of Florida. Options can also vary among Martin County, St. Lucie County, Indian River County, Palm Beach County, and other areas.

This is one reason local Medicare plan comparisons should use your actual residential location rather than assuming the same plans and benefits are available everywhere in Florida.

Yes. Marshall Insurance Medicare Solutions can help you understand and compare Medicare Advantage plans available in your service area based on factors that matter to you.

A Medicare Advantage comparison can include plan costs, doctors and specialists, provider networks, prescription medications, pharmacies, healthcare needs, and available plan benefits.

Our licensed Medicare agents serve Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities. Personalized Medicare guidance is available in English and Spanish.

Medicare Supplement Insurance is private insurance designed to work with Original Medicare. It can help pay certain out-of-pocket costs that Original Medicare does not pay, such as some copayments, coinsurance, and deductibles.

Medicare Supplement policies are also commonly called Medigap policies. To purchase a Medigap policy, you generally need to have Medicare Part A and Part B.

Medigap is different from Medicare Advantage. It supplements Original Medicare rather than replacing the way you receive your Original Medicare benefits.

Medigap is another name for Medicare Supplement Insurance. These policies are sold by private insurance companies and are designed to help cover certain costs left after Original Medicare pays its share for covered healthcare services.

Medigap works alongside Medicare Part A and Part B. Depending on the standardized plan, it may help with certain deductibles, copayments, coinsurance, and other eligible out-of-pocket expenses.

Medigap does not replace Original Medicare and is not the same as a Medicare Advantage plan.

Yes. Medicare Supplement Insurance and Medigap refer to the same type of coverage.

The term "Medigap" describes how this additional insurance can help cover certain gaps in the costs associated with Original Medicare. Policies are sold by private insurance companies and work with Medicare Part A and Part B.

When comparing Medigap plans, it is important to understand both the standardized benefits and the premiums charged by the insurance companies offering the policies.

With Original Medicare and Medigap, Medicare generally pays its approved share first for covered healthcare services. Your Medigap policy can then help pay certain remaining eligible costs according to the benefits of your policy.

Because Medigap supplements Original Medicare, you continue using Original Medicare as your primary Medicare coverage.

For healthcare providers, one important advantage of Original Medicare with Medigap is that you can generally see any doctor or hospital in the United States that participates in Medicare, subject to Medicare's coverage rules.

Depending on the standardized Medigap plan, Medicare Supplement Insurance may help pay certain Original Medicare out-of-pocket expenses, such as copayments, coinsurance, and some deductibles.

The exact benefits depend on the Medigap plan you select. Not every standardized Medigap plan covers the same combination of costs.

When comparing Medicare Supplement plans, consider both the policy's standardized benefits and the premium charged by the insurance company.

Medicare Advantage and Medigap work very differently.

Medicare Advantage is another way to receive your Medicare Part A and Part B benefits through a Medicare-approved private insurance company. Medicare Advantage plans may have provider networks, plan-specific costs, and additional benefits, and most include Medicare Part D prescription drug coverage.

Medigap works alongside Original Medicare and helps pay certain eligible out-of-pocket costs that Original Medicare does not pay. Prescription drug coverage is not included in modern Medigap policies, so beneficiaries who want drug coverage generally consider a separate Medicare Part D plan.

Your doctors, prescriptions, travel habits, healthcare needs, budget, and preferences are important considerations when comparing Medicare Advantage and Medigap.

Medigap policies are designed to work with Original Medicare, not Medicare Advantage.

If you have a Medicare Advantage plan, a Medigap policy cannot be used to pay your Medicare Advantage deductibles, copayments, or coinsurance.

If you are considering changing between Medicare Advantage and Original Medicare with Medigap, it is important to understand the applicable enrollment rules and whether you are eligible to purchase the Medigap policy you want before making changes to existing coverage.

Medigap policies sold today do not include Medicare prescription drug coverage.

If you have Original Medicare and a Medigap policy and want prescription drug coverage, you can generally consider a separate Medicare Part D prescription drug plan.

Because Part D plans can differ in covered medications, formularies, pharmacy networks, and costs, your prescription needs should be reviewed separately when comparing Medicare coverage.

Medigap itself does not provide prescription drug coverage. If you use Original Medicare with Medigap and want Medicare prescription drug coverage, you may consider enrolling in a standalone Medicare Part D plan.

Whether and when you should enroll can depend on whether you have other creditable prescription drug coverage.

Going without Part D or other creditable prescription coverage for too long after becoming eligible can result in a Part D late enrollment penalty if you enroll later.

Your Medigap Open Enrollment Period is an important time to consider Medicare Supplement coverage. This six-month period generally begins the first month you have Medicare Part B and are age 65 or older.

During this period, federal protections provide greater flexibility to purchase available Medigap coverage regardless of certain health conditions.

Outside your Medigap Open Enrollment Period, your ability to purchase or change a policy may depend on your circumstances, applicable guaranteed-issue rights, state rules, and the insurance company's underwriting requirements.

In many situations, you can keep an existing Medigap policy when moving to another state because Medigap policies generally are not based on provider networks in the same way many Medicare Advantage plans are.

However, moving can affect factors such as your policy premium, and you may want to explore whether other Medigap options are available in your new area.

Before changing or dropping an existing Medigap policy, understand whether you will be able to obtain the new coverage you want. Marshall Insurance can help new Florida residents understand Medicare coverage considerations after relocating.

Yes. Marshall Insurance Medicare Solutions can help you understand Medicare Supplement, also known as Medigap, and how it works alongside Original Medicare.

Our licensed Medicare agents can help you compare Medicare coverage considerations based on factors such as your healthcare needs, current coverage, budget, prescriptions, travel preferences, and location.

Marshall Insurance serves Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities, with personalized Medicare guidance available in English and Spanish.

Medicare Part D is Medicare prescription drug coverage. It helps cover the cost of prescription medications and is offered by private insurance companies that follow Medicare rules.

If you have Original Medicare, you can enroll in a standalone Medicare Part D prescription drug plan. Many Medicare Advantage plans include Part D prescription drug coverage as part of the plan.

Because prescription drug plans can differ in the medications they cover, pharmacy networks, drug tiers, and costs, comparing Part D coverage is an important part of reviewing your Medicare options.

Medicare Part D plans cover prescription medications according to each plan's formulary, which is the plan's list of covered drugs.

Medicare requires Part D plans to cover a broad range of prescription medications, including protected classes of drugs. However, the specific medications, drug tiers, cost-sharing requirements, and coverage rules can differ between plans.

Before selecting coverage, review your current prescriptions against the plan's formulary and check how each medication is covered.

People with Original Medicare who want Medicare prescription drug coverage can generally consider a standalone Medicare Part D plan. Many people enrolled in Medicare Advantage receive prescription drug coverage through their Medicare Advantage plan.

If you already have prescription coverage from another source, it is important to determine whether that coverage is considered creditable prescription drug coverage.

Going without Part D or other creditable prescription coverage for too long after becoming eligible can result in a Medicare Part D late enrollment penalty if you enroll later.

Start by making a complete list of the prescription medications you currently take, including the exact drug name, dosage, quantity, and frequency.

You can then compare that list with the formulary of each Medicare Part D or Medicare Advantage plan you are considering. You should also review the medication's drug tier, applicable coverage rules, pharmacy network, and estimated costs.

Because two Medicare plans may cover the same prescription differently, reviewing your actual medication list is more useful than choosing coverage based only on a plan's premium.

You can check a Medicare plan's formulary to determine whether your prescription medications are included on its current list of covered drugs.

In addition to checking whether the medication appears on the formulary, review its drug tier and whether requirements such as prior authorization, step therapy, or quantity limits may apply.

Your pharmacy can also affect what you pay. When comparing Medicare prescription coverage, review both your medications and the pharmacies you prefer to use.

A formulary is the list of prescription drugs covered by a Medicare drug plan.

Medicare Part D and Medicare Advantage plans with prescription drug coverage organize covered medications into different tiers. The tier assigned to a medication can affect how much you pay.

A formulary may also include coverage requirements for certain medications. Reviewing the formulary is therefore an important part of comparing Medicare prescription drug coverage.

Medicare prescription costs can vary because plans can have different formularies, drug tiers, deductibles, copays, coinsurance, pharmacy networks, and coverage rules.

The pharmacy you use can also affect your costs. Some plans may have different cost-sharing arrangements at pharmacies within their network.

This is why a plan that works well for one Medicare beneficiary may not provide the same prescription costs for another person taking different medications.

Start by reviewing the notice from your Medicare plan and checking the plan's current formulary. In some circumstances, formularies can change, and plans must follow Medicare rules regarding formulary changes and beneficiary notifications.

Depending on your situation, you may be able to discuss an alternative covered medication with your healthcare provider or request a formulary exception from your plan.

Do not stop or change a prescribed medication solely because of an insurance coverage issue without discussing the medical implications with your prescribing healthcare provider.

First, determine why your prescription costs have changed. Factors can include changes to the plan's formulary, drug tier, pharmacy network, deductible, cost sharing, or the medications you take.

You can review whether your preferred pharmacy is still cost-effective under your plan and discuss medically appropriate alternatives with your healthcare provider when applicable.

It may also be useful to review your Medicare coverage during an enrollment period when plan changes are permitted. A Medicare plan review can help you compare how available plans cover your current prescriptions.

A licensed Medicare agent can help you compare how available Medicare plans cover the prescription medications you provide for the comparison.

This may include checking whether medications appear on a plan's formulary, their drug tiers, applicable coverage requirements, and pharmacy considerations.

You should provide an accurate and current medication list when comparing Medicare plans because prescription coverage can significantly affect your overall healthcare costs.

Yes. Reviewing your prescription medications as part of your annual Medicare plan review can be useful because both your medications and Medicare plan coverage can change.

A plan may make permitted changes to its formulary, drug tiers, pharmacy arrangements, or cost-sharing structure from one plan year to another. Your own prescriptions may also change during the year.

Before deciding whether to keep or change your Medicare coverage, compare your current medication list with the coverage available for the upcoming plan year.

Yes. Marshall Insurance Medicare Solutions can help you review Medicare prescription coverage as part of a broader Medicare plan comparison.

Our licensed Medicare agents can help you compare available Medicare coverage using your current prescriptions, preferred pharmacies, doctors, healthcare needs, location, and other important plan considerations.

Marshall Insurance serves Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities, with personalized Medicare guidance available in English and Spanish.

Choosing Medicare coverage starts with understanding your healthcare needs and how you prefer to receive your care. Important factors can include your doctors and specialists, prescription medications, preferred pharmacies, healthcare usage, budget, travel habits, and where you live.

You should also consider whether you prefer Original Medicare, potentially combined with Medicare Part D and Medicare Supplement Insurance, or a Medicare Advantage plan.

Rather than focusing on one feature, compare the overall coverage, costs, provider access, prescription coverage, and plan rules that apply to you. A licensed Medicare agent can help you understand and compare Medicare options available in your area.

When comparing Medicare plans, consider more than the monthly premium. Depending on the type of coverage, important factors may include deductibles, copays, coinsurance, provider networks, prescription drug coverage, pharmacy networks, out-of-pocket limits, and plan-specific rules.

You should also check whether your doctors and specialists participate in the plan and how your current prescription medications are covered.

Because healthcare needs are different for every person, a useful Medicare plan comparison should be based on your individual situation rather than on one benefit or cost alone.

Start by identifying what matters most for your healthcare. Make a list of your doctors, specialists, hospitals, prescription medications, preferred pharmacies, expected healthcare services, travel habits, and budget.

Then compare how the Medicare coverage options available to you address those needs. Someone who values broad provider access may evaluate coverage differently from someone whose priorities include specific prescriptions, additional plan benefits, or predictable costs.

Marshall Insurance Medicare Solutions can help you understand the differences between available Medicare coverage options so you can make an informed decision.

No. The monthly premium is only one part of the potential cost of Medicare coverage.

Depending on your coverage, you may also have deductibles, copays, coinsurance, prescription costs, and other out-of-pocket expenses. Medicare Advantage plans also have annual limits on what you pay for covered Medicare services, and those limits can vary by plan.

A plan with a lower monthly premium is not automatically the most appropriate option for every person. Compare the total structure of the coverage and how you expect to use healthcare services.

Your access to doctors can depend on the type of Medicare coverage you choose.

With Original Medicare, you can generally see any doctor or hospital in the United States that accepts Medicare. Medicare Advantage plans may use provider networks, and the rules for receiving out-of-network care vary by plan type.

Before enrolling in a Medicare plan, check your primary care doctor, specialists, hospitals, and other important healthcare providers. This can help reduce unexpected provider-access or cost issues later.

Prescription coverage can differ significantly between Medicare plans. A medication may be covered differently depending on the plan's formulary, drug tier, pharmacy network, and coverage requirements.

Create an accurate list of your prescriptions, including drug names, dosages, quantities, and frequency. Then compare how each plan covers those medications and whether your preferred pharmacies participate in the plan's network.

Reviewing prescriptions is especially important because a plan with an attractive premium may not necessarily provide the prescription coverage that works well for your medication needs.

Yes. Medicare Advantage and Medicare Part D plan availability can depend on your service area, so available options may differ based on where you live.

For example, Medicare beneficiaries in Martin County, St. Lucie County, Indian River County, and Palm Beach County may not necessarily have the same Medicare plan options available to them.

When comparing Medicare plans in Florida, use your actual residential location so you are reviewing coverage available in your service area.

Yes. Medicare coverage is individual rather than a family or couple policy, so spouses do not have to choose the same Medicare coverage.

One spouse may have different doctors, prescriptions, healthcare needs, or coverage preferences than the other. As a result, the Medicare option that works for one spouse may not necessarily fit the other spouse's needs.

Couples can review their Medicare options together while still evaluating each person's healthcare needs individually.

An independent Medicare broker may be able to represent and discuss plans from multiple insurance carriers, depending on the carriers and plans the broker is authorized to offer.

Working with an independent Medicare broker can make it easier to review multiple available options while considering your doctors, prescriptions, healthcare needs, costs, and location.

Marshall Insurance Medicare Solutions is an independent Medicare insurance agency that helps beneficiaries understand and compare Medicare coverage options available to them.

Bring information that helps your Medicare agent understand how you actually use healthcare.

A useful Medicare plan comparison appointment may include:

• Your Medicare card or Medicare information
• Information about your current Medicare coverage
• A current list of prescription medications, including dosage and frequency
• Your preferred pharmacies
• A list of your doctors and specialists
• Hospitals or healthcare systems that are important to you
• Questions or concerns about your current coverage
• Information about upcoming healthcare needs you already know about

The more accurate your information is, the more useful your Medicare coverage comparison can be.

The answer depends on the type of Medicare coverage you have.

If you have Original Medicare, ask your doctor or healthcare provider whether they accept Medicare and whether they accept the Medicare-approved amount as payment in full, also known as accepting assignment.

If you have a Medicare Advantage plan, check whether your doctor participates in the plan's provider network. Because network participation can vary between plans, verify your providers before enrolling or changing Medicare coverage.

You can check the Medicare Advantage plan's provider directory or contact the plan directly to determine whether your doctor is currently listed as an in-network provider.

It is also a good idea to contact the doctor's office and ask whether they currently participate in the specific Medicare Advantage plan you are considering.

When checking providers, use the exact plan information rather than asking only whether the doctor "accepts Medicare." A provider may accept Original Medicare but not participate in the network of a particular Medicare Advantage plan.

If a healthcare provider leaves your Medicare Advantage plan's network, your plan may notify you depending on the circumstances and Medicare requirements.

Your options can depend on your plan type, the provider involved, the care you are receiving, and when the network change occurs. You may need to choose another in-network provider or determine whether your plan provides applicable out-of-network coverage.

If you are receiving ongoing treatment, contact your plan promptly to understand your coverage and continuity-of-care options.

A doctor leaving your plan's network does not automatically mean you can change Medicare plans at any time.

Whether you can switch plans depends on the Medicare enrollment period available to you and whether your circumstances qualify you for a Special Enrollment Period or another opportunity to change coverage.

If keeping a particular doctor is important to you, review your available Medicare plan options during an applicable enrollment period and verify the doctor's network participation before making a change.

Start by making a list of the doctors, specialists, hospitals, and other healthcare providers that are important to you.

When comparing Medicare Advantage plans, check each provider against the plan's current network information. You should also consider the plan's costs, prescription drug coverage, pharmacy network, benefits, and other rules rather than selecting a plan based on one provider alone.

Marshall Insurance Medicare Solutions can help you understand how to verify your doctors while comparing Medicare coverage options available in your area.

Yes. If you regularly see specialists, checking their participation can be just as important as checking your primary care doctor.

Depending on the Medicare Advantage plan, you may need to use specialists within the plan's network. Some plan types may also require referrals before you see certain specialists.

When comparing Medicare plans, include all healthcare providers who are important to your care, particularly specialists you see regularly or for ongoing treatment.

Yes. Medicare Advantage provider networks can change, and a healthcare provider's participation in a particular plan may also change.

This is one reason it is useful to review your Medicare coverage regularly rather than assuming that your doctors, hospitals, and specialists will always participate in the same plan.

When reviewing your Medicare coverage for an upcoming year, check your important providers along with your prescriptions, pharmacies, costs, benefits, and other plan changes.

Yes. A licensed Medicare agent can help you understand how to check whether your doctors, specialists, hospitals, and other healthcare providers participate in Medicare plans you are considering.

Provide your agent with accurate information about the healthcare providers that are important to you so those providers can be considered as part of your Medicare plan comparison.

Marshall Insurance Medicare Solutions helps beneficiaries compare Medicare coverage across the Treasure Coast, Palm Beach County, and other Florida communities. Our licensed Medicare agents can help you review provider-network considerations along with prescriptions, costs, benefits, and other important coverage factors.

Yes, Medicare beneficiaries can change certain Medicare coverage during specific enrollment periods.

Depending on your current coverage and circumstances, you may be able to switch Medicare Advantage plans, move between Medicare Advantage and Original Medicare, or change Medicare prescription drug plans.

The changes available to you depend on the enrollment period and your individual situation, so it is important to confirm which Medicare enrollment opportunity applies before making a change.

There are several Medicare enrollment periods when eligible beneficiaries may be able to change coverage.

Medicare's annual Open Enrollment Period runs from October 15 through December 7. During this period, people with Medicare can make certain changes involving Medicare Advantage and Medicare prescription drug coverage.

The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. Certain life events may also qualify you for a Special Enrollment Period at other times of the year.

If you are eligible to make a change during an applicable Medicare enrollment period, you can compare Medicare Advantage plans available in your service area and enroll in a different plan that meets your needs.

Before changing plans, compare your doctors, specialists, hospitals, prescriptions, pharmacies, premiums, copays, deductibles, provider networks, out-of-pocket limits, and other plan benefits or rules.

Do not cancel existing coverage simply because you are considering another plan. First understand the enrollment process, when the new coverage would begin, and how the change affects your current coverage.

Start by identifying what is not working for you. Common concerns can involve costs, prescription coverage, provider networks, access to doctors or specialists, pharmacies, or changes in plan benefits.

Then review what your current plan covers and compare available alternatives during an enrollment period when you are permitted to make changes.

A Medicare plan review can help you understand your current coverage and compare it with other Medicare options available in your area.

An increase in your premium or copays may be a reason to review your Medicare coverage, but it does not necessarily give you the right to change plans immediately.

Generally, you must make changes during an applicable Medicare enrollment period unless you qualify for a Special Enrollment Period or another permitted enrollment opportunity.

If your plan announces cost changes for the upcoming year, review those changes along with your healthcare usage, doctors, prescriptions, provider network, and other benefits before deciding whether to keep or change your coverage.

A change in prescription coverage can be an important reason to review your Medicare plan, but it does not automatically mean you can switch plans at any time.

First, check your plan's current formulary and contact the plan to understand your coverage options. Depending on the circumstances, you may be able to discuss a covered alternative with your healthcare provider or request a formulary exception.

During an applicable enrollment period, you can also compare other Medicare plans based on how they cover your current prescriptions and preferred pharmacies.

A provider leaving your Medicare Advantage plan's network does not automatically create an opportunity to switch plans in every situation.

Your options depend on the circumstances and the Medicare enrollment rules that apply to you. Medicare provides Special Enrollment Periods for certain qualifying events, and some significant provider-network changes may create additional options in specific circumstances.

Contact your plan to understand your immediate provider options and determine whether you have an enrollment opportunity before making changes to your coverage.

Before changing Medicare plans, review the complete coverage rather than focusing on a single premium, benefit, or advertisement.

Important factors can include:

• Monthly premiums
• Deductibles
• Copays and coinsurance
• Annual out-of-pocket limits when applicable
• Primary care doctors
• Specialists and hospitals
• Provider networks
• Prescription medications
• Drug formularies and tiers
• Preferred pharmacies
• Additional plan benefits
• Service area and plan rules

Also consider healthcare needs you expect to have during the upcoming year. A detailed comparison can help you understand the differences between your current coverage and another Medicare option.

Medicare health and drug plans can change from one year to the next. Your own healthcare needs can change as well.

Plans may make changes to costs, coverage, prescription formularies, provider networks, service areas, or other plan features for the upcoming year. Your doctors, medications, pharmacies, or healthcare priorities may also be different from when you originally enrolled.

An annual Medicare plan review can help you determine whether your current coverage continues to meet your needs or whether it may be useful to compare other available options.

Yes. Medicare health and prescription drug plans can make changes for a new plan year.

If you are enrolled in a Medicare plan, your plan sends an Annual Notice of Change, commonly called an ANOC, each fall. This document explains changes to your coverage, costs, and other plan details that will generally take effect in January.

Reviewing your Annual Notice of Change is important even if you have been satisfied with your current Medicare plan.

An annual Medicare plan review should consider both changes to your current plan and changes in your personal healthcare needs.

Review your premiums, deductibles, copays, coinsurance, provider network, doctors, specialists, hospitals, prescription formulary, medication costs, pharmacies, and other important plan benefits or rules.

Also review your Annual Notice of Change and compare it with your current doctors, prescriptions, and expected healthcare needs for the upcoming year.

Yes. Marshall Insurance Medicare Solutions can help you review your current Medicare coverage and compare Medicare options available in your service area.

Our licensed Medicare agents can consider factors such as your doctors, specialists, prescription medications, preferred pharmacies, healthcare needs, plan costs, provider networks, and other important coverage considerations.

Marshall Insurance serves Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities. Personalized Medicare guidance is available in English and Spanish.

The Medicare Initial Enrollment Period is generally your first opportunity to enroll in Medicare when you become eligible.

For most people becoming eligible at age 65, this period lasts seven months. It begins three months before the month you turn 65, includes your birthday month, and ends three months after your birthday month.

Your Initial Enrollment Period is important because it affects when you can enroll in Medicare and when your coverage begins. If you are approaching age 65, learning about your enrollment timeline in advance can help you avoid unnecessary gaps in coverage or potential late enrollment penalties.

The Medicare Annual Enrollment Period, commonly called Medicare Open Enrollment or AEP, runs from October 15 through December 7 each year.

During this period, Medicare beneficiaries can review their current coverage and make certain changes to Medicare Advantage and Medicare prescription drug coverage for the following year.

Changes made during this period generally take effect January 1, as long as the plan receives the enrollment request by December 7.

During the October 15 through December 7 Medicare Open Enrollment Period, you can make several types of coverage changes.

Depending on your current coverage, you may be able to:

• Switch from one Medicare Advantage plan to another
• Move from Original Medicare to a Medicare Advantage plan
• Leave Medicare Advantage and return to Original Medicare
• Join, switch, or drop a Medicare Part D prescription drug plan when eligible

Before changing coverage, compare your doctors, prescriptions, pharmacies, costs, provider networks, and other plan benefits or rules for the upcoming year.

The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 each year for people who are already enrolled in a Medicare Advantage plan.

During this period, you can make one change: you may switch to another Medicare Advantage plan, with or without prescription drug coverage, or leave Medicare Advantage and return to Original Medicare. If you return to Original Medicare, you can also join a separate Medicare Part D prescription drug plan.

This period cannot generally be used by someone with Original Medicare to join a Medicare Advantage plan or simply switch from one standalone Part D plan to another.

A Medicare Special Enrollment Period, or SEP, is an opportunity to enroll in or change certain Medicare coverage outside the regular enrollment periods when a qualifying event or circumstance applies.

Examples can include moving to a new address, losing or changing other health coverage, or certain changes involving Medicaid or Extra Help.

The changes you can make and how long your Special Enrollment Period lasts depend on the specific event, so it is important to determine which rules apply to your situation.

Several events and circumstances can potentially qualify someone for a Medicare Special Enrollment Period.

Examples may include:

• Moving to a new address
• Moving outside your current plan's service area
• Losing certain employer or union coverage
• Losing or changing other qualifying coverage
• Moving into or out of certain institutions
• Becoming eligible for Medicaid
• Becoming eligible for Extra Help with Medicare prescription drug costs
• Certain changes involving your Medicare plan
• Certain exceptional circumstances recognized by Medicare

Each Special Enrollment Period has its own eligibility rules, timing, and permitted coverage changes.

Yes. Moving can qualify you for a Medicare Special Enrollment Period in certain circumstances.

For example, if you move to a new address outside your current Medicare Advantage or Medicare drug plan's service area, Medicare generally provides an opportunity to choose new coverage. A move within your existing plan's service area may also create an enrollment opportunity if new plan options become available at your new address.

The timing of the Special Enrollment Period depends partly on when you notify your plan about the move.

Yes, losing qualifying employer-sponsored coverage can create a Special Enrollment Period, but the rules depend on which part of Medicare or type of coverage you need to enroll in.

For Medicare Part A and Part B, people who delayed enrollment because they had qualifying group health coverage based on current employment may be able to enroll during a Special Enrollment Period after the employment or coverage ends.

Separate rules apply to Medicare Advantage and Medicare Part D enrollment. Because employer coverage situations can vary, confirm the enrollment rules that apply before your existing coverage ends whenever possible.

Yes, in certain circumstances.

If you qualify for a Medicare Special Enrollment Period, you may be able to change Medicare Advantage or Medicare prescription drug coverage outside the October 15 through December 7 Open Enrollment Period.

People already enrolled in Medicare Advantage also have the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other specific enrollment opportunities may apply depending on your circumstances.

Eligibility for a Special Enrollment Period depends on the event or change in circumstances you experienced.

Important factors can include what type of Medicare coverage you currently have, what changed, when the event occurred, where you live, and what other health or prescription coverage you have.

Marshall Insurance Medicare Solutions can help you understand the Medicare enrollment periods that may apply to your situation and compare available Medicare coverage options. Our licensed Medicare agents serve the Treasure Coast, Palm Beach County, and other Florida communities, with personalized guidance available in English and Spanish.

What happens to your Medicare coverage depends on the type of coverage you currently have.

Original Medicare can generally be used throughout the United States with healthcare providers who accept Medicare. Medicare Advantage and Medicare Part D plans, however, are offered within specific service areas, so moving to Florida may affect whether your current plan is available at your new address.

If you are planning a move, review your Medicare coverage before or as soon as possible after relocating so you understand whether you need to select new coverage.

Not necessarily. Whether you need to change coverage depends on what type of Medicare coverage you have and where you are moving from.

If you have Original Medicare, moving to Florida generally does not require you to replace Original Medicare simply because you changed states. If you have Medicare Advantage or a Medicare Part D plan, you need to determine whether your current plan serves your new Florida address.

Moving outside your plan's service area can create a Medicare Special Enrollment Period that allows you to select new coverage.

Original Medicare is a federal program, so your Part A and Part B coverage does not operate within a local plan service area in the same way Medicare Advantage plans do.

With Original Medicare, you can generally receive covered services from doctors and hospitals throughout the United States that accept Medicare.

However, other coverage you use alongside Original Medicare may require additional review after moving. This can include Medicare Part D prescription drug coverage and, depending on your circumstances, Medicare Supplement or Medigap considerations.

Medicare Advantage plans have defined service areas. If you move to Florida from another state or move to a Florida address outside your current plan's service area, your existing Medicare Advantage plan may no longer be available to you.

Medicare provides a Special Enrollment Period in qualifying moving situations so you can select new Medicare Advantage or prescription drug coverage available at your new address.

If you move outside your Medicare Advantage plan's service area and do not enroll in another Medicare Advantage plan during your applicable enrollment opportunity, you may return to Original Medicare when your previous plan ends.

Yes. Moving can qualify you for a Medicare Special Enrollment Period in several situations.

If your new Florida address is outside your current plan's service area, you can generally switch to a new Medicare Advantage plan or Medicare drug plan. A move within your existing service area can also create an enrollment opportunity if new Medicare plan options become available at your new address.

If you notify your plan before moving, the Special Enrollment Period can generally begin the month before the month you move and continue for two full months after the move. If you notify the plan after moving, the timing can differ.

Yes. Medicare Advantage and Medicare Part D plans can differ by location and service area.

The plans available at your new Florida address may have different premiums, copays, provider networks, prescription formularies, pharmacy networks, additional benefits, and other coverage rules than the plans available where you previously lived.

Even within Florida, plan availability can differ by county. Medicare options in Martin County, St. Lucie County, Indian River County, and Palm Beach County are not necessarily identical.

Start by identifying the doctors, specialists, hospitals, and healthcare systems you expect to use after moving to Florida.

If you are considering Medicare Advantage, check whether those providers participate in the network of each plan you are comparing. You should also review prescriptions, pharmacies, plan costs, and other coverage considerations.

A local Medicare plan comparison can help you evaluate coverage using both your new Florida address and the healthcare providers that are important to you.

Yes. If your move requires you to select a new Medicare Advantage or Medicare Part D plan, review all of your prescription medications before enrolling.

Different plans may have different formularies, drug tiers, pharmacy networks, cost-sharing requirements, and coverage rules. Your preferred pharmacy may also change after relocating.

Prepare a current medication list that includes drug names, dosages, quantities, and frequency, and compare how available plans cover those prescriptions at your new Florida location.

Look for a licensed Medicare agent or independent Medicare broker who serves the Florida community where you now live and can help you understand Medicare coverage options available in your service area.

A useful Medicare plan review should consider your new address along with your doctors, specialists, prescriptions, preferred pharmacies, healthcare needs, and budget.

Marshall Insurance Medicare Solutions has licensed Medicare agents serving the Treasure Coast, Palm Beach County, and other Florida communities, with personalized Medicare guidance available in English and Spanish.

Yes. Marshall Insurance Medicare Solutions can help Medicare beneficiaries who have recently moved to Florida understand how relocation may affect their Medicare coverage.

Our licensed Medicare agents can help you review Medicare coverage available at your new address while considering your doctors, specialists, prescription medications, pharmacies, healthcare needs, and current coverage.

We serve Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities and can also help you understand whether your move may provide an opportunity to change Medicare coverage through a Special Enrollment Period.

If you live on Florida's Treasure Coast, you can work with a licensed Medicare agent who serves your local area and can help you understand Medicare coverage options available where you live.

A local Medicare plan comparison can consider your doctors, specialists, prescription medications, preferred pharmacies, healthcare needs, budget, and the Medicare plans available in your service area.

Marshall Insurance Medicare Solutions has licensed Medicare agents serving communities throughout the Treasure Coast and provides personalized Medicare guidance for people who are new to Medicare, reviewing existing coverage, or considering a change.

Yes. Marshall Insurance Medicare Solutions serves Medicare beneficiaries throughout Florida's Treasure Coast.

Our licensed Medicare agents can help you understand Medicare Advantage, Original Medicare, Medicare Part D, Medicare Supplement or Medigap, enrollment periods, and Medicare plan reviews.

Whether you are turning 65, already enrolled in Medicare, moving to the Treasure Coast, or reviewing your current coverage, our agents can help you understand the Medicare options available in your area.

Yes. Marshall Insurance can help Medicare beneficiaries on the Treasure Coast review their current Medicare coverage and compare available options.

A Medicare plan review can consider your current plan costs, doctors, specialists, hospitals, prescription medications, preferred pharmacies, provider networks, and other important coverage factors.

Reviewing your coverage can be particularly useful before an applicable Medicare enrollment period or after significant changes to your healthcare needs, prescriptions, providers, or current plan.

Marshall Insurance Medicare Solutions has licensed Medicare agents serving Palm City and surrounding Treasure Coast communities.

A Medicare agent can help you understand coverage options such as Medicare Advantage, Medicare Supplement or Medigap, Medicare Part D, and Original Medicare, as well as Medicare enrollment and plan-review considerations.

Because Medicare Advantage and Part D options can depend on where you live, your residential location is an important part of comparing available Medicare plans.

Yes. Medicare beneficiaries in Stuart can receive personalized Medicare guidance from Marshall Insurance Medicare Solutions.

Our licensed agents can help people who are turning 65, new to Medicare, reviewing an existing plan, comparing Medicare Advantage options, considering Medicare Supplement coverage, or evaluating prescription drug coverage.

A Medicare comparison should take into account your individual healthcare needs as well as the coverage options available where you live.

Marshall Insurance Medicare Solutions serves Medicare beneficiaries in Port St. Lucie and other communities across the Treasure Coast.

Our licensed Medicare agents can help you understand and compare Medicare coverage based on factors such as your doctors, prescriptions, pharmacies, healthcare needs, costs, and available plan options.

If you already have Medicare, an agent can also help you review your current coverage and understand the enrollment periods that may allow you to make changes.

Yes. Marshall Insurance Medicare Solutions serves Medicare beneficiaries in Martin County, including Palm City, Stuart, and surrounding communities.

Our agents can provide guidance for people turning 65, individuals new to Medicare, existing beneficiaries reviewing their coverage, and people who recently moved to the area.

Medicare Advantage and Medicare Part D availability can vary by service area, so comparing coverage using your actual residential location is important.

Yes. Marshall Insurance Medicare Solutions provides Medicare guidance to beneficiaries in St. Lucie County and surrounding Treasure Coast communities.

Our licensed Medicare agents can help you understand Medicare Advantage, Medicare Supplement, Medigap, Medicare Part D, Original Medicare, plan comparisons, and applicable enrollment periods.

When comparing Medicare coverage, we can help you consider important factors such as doctors, prescriptions, pharmacies, costs, provider networks, and your individual healthcare needs.

Marshall Insurance Medicare Solutions has licensed Medicare agents serving Medicare beneficiaries in Palm Beach County.

A local Medicare agent can help you understand the Medicare coverage options available in your service area and compare considerations involving Medicare Advantage, Medicare Supplement, Medicare Part D, doctors, prescriptions, costs, and provider networks.

Marshall Insurance provides personalized Medicare guidance for people turning 65, current Medicare beneficiaries, and people who have recently moved to Palm Beach County.

Yes. Marshall Insurance Medicare Solutions serves Medicare beneficiaries in Palm Beach Gardens and other Palm Beach County communities.

Our licensed Medicare agents can help you understand Medicare coverage options, compare available plans, review your current coverage, and prepare for Medicare enrollment decisions.

Because plan availability and provider networks can differ by location, comparisons should be based on the Medicare options available at your actual residential address.

Yes. Marshall Insurance Medicare Solutions can help Medicare beneficiaries in Palm Beach County understand and compare Medicare coverage options available in their service area.

A comparison can consider Medicare Advantage plans, Medicare Part D prescription coverage, Medicare Supplement options, doctors and specialists, prescription medications, pharmacies, costs, provider networks, and other important coverage factors.

The goal of a Medicare plan comparison is to help you understand the available options so you can make an informed coverage decision based on your individual needs.

Yes. Marshall Insurance Medicare Solutions provides Medicare guidance in both English and Spanish for beneficiaries in the Treasure Coast, Palm Beach County, and other Florida communities.

A Spanish-speaking Medicare agent can help explain Medicare terminology, coverage options, enrollment periods, Medicare Advantage, Medicare Part D, Medicare Supplement or Medigap, and Medicare plan comparisons.

Whether you are turning 65, new to Medicare, reviewing your current coverage, or helping a family member understand Medicare, you can receive personalized Medicare assistance in Spanish.

Marshall Insurance Medicare Solutions provides personalized Medicare guidance for people who are approaching Medicare eligibility, enrolling for the first time, reviewing existing coverage, or considering different Medicare options.

Our licensed Medicare agents can help you understand Medicare Advantage, Medicare Supplement or Medigap, Medicare Part D prescription drug coverage, Original Medicare, Medicare enrollment periods, and Medicare plan comparisons.

We serve Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities, with Medicare guidance available in English and Spanish.

Yes. Marshall Insurance Medicare Solutions is an independent Medicare insurance agency serving Medicare beneficiaries in Florida.

As an independent agency, Marshall Insurance works with multiple insurance carriers rather than representing only one insurance company. The specific plans and carriers available for discussion depend on the agent, service area, and applicable carrier relationships.

This allows our licensed Medicare agents to help beneficiaries understand and compare multiple Medicare coverage options available to them.

An independent Medicare agent can help you understand and compare Medicare coverage options from multiple insurance carriers the agent is authorized to represent.

Rather than looking only at a plan's premium or one advertised benefit, an agent can help you consider factors such as doctors, specialists, prescription medications, pharmacies, provider networks, costs, healthcare needs, and plan availability in your area.

The goal is to give you information about available Medicare options so you can make an informed coverage decision.

Yes. Marshall Insurance Medicare Solutions can help you understand and compare Medicare coverage options available in your service area.

Depending on your situation, this may include comparing Medicare Advantage plans, Medicare Supplement or Medigap coverage, Medicare Part D prescription drug plans, and how those options relate to Original Medicare.

A comparison can consider your doctors, prescriptions, preferred pharmacies, healthcare needs, costs, travel preferences, current coverage, and location.

Yes. Marshall Insurance can help you review your current Medicare coverage and understand how it compares with other available options.

A Medicare plan review may consider premiums, deductibles, copays, coinsurance, provider networks, doctors, specialists, hospitals, prescription medications, pharmacies, and other plan benefits or rules.

Because Medicare health and drug plans can change from year to year, reviewing your current coverage can help you determine whether it continues to meet your needs.

Yes. Marshall Insurance helps people who are turning 65 and preparing for Medicare understand the decisions they may need to make.

Our licensed Medicare agents can explain Medicare Parts A and B, Medicare Advantage, Medicare Part D, Medicare Supplement or Medigap, and important Medicare enrollment periods.

Starting the Medicare education process before your 65th birthday can give you more time to understand your options and prepare for the enrollment decisions that apply to your situation.

Yes. Marshall Insurance can help you review your current Medicare coverage and compare other Medicare options available in your service area when you are eligible to make a change.

Your agent can help you consider why you are thinking about switching, including changes involving costs, doctors, provider networks, prescription medications, pharmacies, or plan benefits.

Whether you can change coverage depends on the Medicare enrollment period or Special Enrollment Period that applies to your situation.

Marshall Insurance can help you review provider-network and prescription-coverage information when comparing Medicare plans.

Provide an accurate list of your doctors, specialists, hospitals, prescription medications, dosages, and preferred pharmacies. Your agent can use this information when reviewing available Medicare coverage options with you.

Provider networks and prescription formularies can change, so coverage and provider participation should be verified using current plan information.

Yes. Marshall Insurance Medicare Solutions provides personalized Medicare guidance in both English and Spanish.

Spanish-speaking Medicare beneficiaries and families can receive help understanding Medicare terminology, coverage options, Medicare Advantage, Medicare Part D, Medicare Supplement or Medigap, enrollment periods, and Medicare plan comparisons.

Bilingual Medicare guidance is available for beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities served by Marshall Insurance.

Bringing accurate information can make your Medicare appointment more useful and help your agent better understand your coverage needs.

Consider bringing:

• Your Medicare card or Medicare information, if you are already enrolled
• Information about your current health or Medicare coverage
• A current list of prescription medications, including dosage and frequency
• Your preferred pharmacies
• A list of your doctors and specialists
• Hospitals or healthcare systems that are important to you
• Questions or concerns about your current coverage
• Information about upcoming healthcare needs you already know about

If you are turning 65 and not yet enrolled in Medicare, bring any information you already have regarding your Medicare eligibility and current health coverage.

Yes. You can generally have a spouse, adult child, family member, caregiver, or another trusted person attend your Medicare appointment with you.

Having someone you trust participate can be helpful if you want assistance taking notes, remembering questions, or understanding the Medicare information being discussed.

If another person will be speaking or acting on your behalf regarding protected personal information or insurance matters, additional authorization requirements may apply depending on the situation.

You can schedule an appointment with Marshall Insurance Medicare Solutions to discuss your Medicare questions and coverage options with a licensed Medicare agent.

Appointments can be helpful if you are turning 65, new to Medicare, reviewing your current coverage, considering a Medicare plan change, moving to Florida, or trying to understand how your doctors and prescriptions fit into your Medicare options.

Marshall Insurance serves Medicare beneficiaries across the Treasure Coast, Palm Beach County, and other Florida communities. Medicare guidance is available in English and Spanish.