## Navigating Medicare Options in Florida for 2026
Enrolling in Medicare can feel overwhelming with dozens of competing insurance carriers advertising aggressive benefits. As an independent licensed broker in Florida (NPN 21228432), my goal at AHB Insurance Solutions is to provide objective, clear guidance tailored to your specific health needs and budget.
### Original Medicare vs. Medicare Advantage (Part C)
Original Medicare consists of **Part A (Hospital Insurance)** and **Part B (Medical Insurance)**. While Part A is generally premium-free for most retirees who worked 10 years or more, Part B carries a monthly premium and covers 80% of doctor visits and outpatient procedures after a deductible.
Noticeably, **Original Medicare has NO out-of-pocket maximum limit**. An unexpected hospital stay or specialized treatment could leave you responsible for 20% of uncapped medical bills.
#### Medicare Advantage (Part C)
Medicare Advantage replaces Original Medicare with a private managed care network (HMO or PPO). These plans frequently bundle prescription drugs (Part D), dental, vision, and hearing care.
* **Pros:** Low or $0 monthly premium, bundled benefits.
* **Cons:** Network restrictions (must stay within doctor networks in Florida), prior authorization requirements for procedures.
### Medicare Supplement Plans (Medigap)
Medigap policies work alongside Original Medicare to pay for out-of-pocket deductibles, copays, and coinsurance.
* **Plan G:** Covers 100% of out-of-pocket medical costs once you satisfy the annual Part B deductible.
* **Plan N:** Offers lower monthly premiums with small copays ($20 for doctor visits, $50 for ER visits).
### Key Enrollment Dates in Florida
1. **Initial Enrollment Period (IEP):** 7-month window starting 3 months before your 65th birthday month.
2. **Annual Enrollment Period (AEP):** October 15 to December 7 each year.
3. **Special Enrollment Periods (SEP):** Triggered when moving counties, losing employer coverage, or qualifying for Extra Help.
> **Need expert assistance?** Call Andres H. Bozo directly at **+1 (352) 225-8389** for a free, no-obligation comparison across 80+ top carriers.