The Florida Snowbird Medicare Guide
If you split time between Florida and another state, Medicare rules still apply the same way, but your plan choices may not.
Class is in session, and tuition is free
Medicare, finally taught in plain English.
Turning 65? Retiring soon? Wondering if the plan you have still deserves you? Jason York, The Medicare Professor, walks you through every option the way a good teacher would: no jargon, no pressure, no cost to you, ever.
100% free guidance 11+ carriers compared Licensed in 17 states
5.0 on Google21 five-star reviews
Licensed advisorNPN 17350011
Independently comparing plans from 11+ national carriers
Your coverage options
Four ways to build your Medicare coverage. One right answer for you.
Every path has trade-offs. The Professor explains each one, then helps you pick the combination that fits your doctors, your prescriptions and your budget.
Part C
Medicare Advantage
Hospital, medical and usually drug coverage bundled into one plan, often with dental and vision extras built in.
Learn AdvantageMedigapMedicare Supplement
Keep Original Medicare, see any doctor that accepts it nationwide, and let the plan pay most of what Medicare does not.
Learn MedigapPart DPart D Drug Plans
Stand-alone prescription coverage with a $2,100 yearly cap on out-of-pocket drug costs in 2026. Picking wrong gets expensive.
Learn Part DExtrasAdd-On Coverage
Dental, vision, hearing, hospital indemnity, cancer plans and final expense life to fill the gaps Medicare was never built to cover.
Learn Add-OnsOffice hoursEvery client, all year
Meet your professor
A teacher first. A broker second.
Jason York built The Medicare Professor on one belief: nobody should sign up for coverage they do not understand. As an independent broker with 7+ years in the industry and access to 11+ carriers, he works for you, not for any insurance company.
- Every option on the table. Advantage, Medigap and Part D compared side by side, in writing.
- Plain-English homework. You leave every call knowing exactly what you have and why.
- A local advisor, not a call center. Based in Boynton Beach, serving Palm Beach County and 17 states.
- Free forever. Carriers pay us. Your premium never changes because you had help.
The syllabus
Medicare 101, in five short lessons.
The same curriculum Jason walks every client through, free to read. Start anywhere; each lesson stands on its own.
Lesson 1
What Is Medicare?
The federal program explained from the very beginning: who it covers, what it costs and how the pieces fit.
Start lessonLesson 2The Four Parts
A, B, C and D each do one job. See them side by side and the alphabet finally makes sense.
Start lessonLesson 3Enrollment Periods
Seven windows, five acronyms, one calendar. Miss the wrong one and you pay a penalty for life.
Start lessonLesson 4Medicare Costs 2026
Real numbers: the $202.90 Part B premium, the $1,736 hospital deductible, IRMAA brackets and what they mean for you.
Start lessonLesson 5Eligibility
Turning 65 is not the only door in. Disability, ESRD and ALS rules, plus what to do if you are still working.
Start lessonField trip: your stateYour state
Medicare is federal, but plans and programs are local. Find guidance for Florida and the 16 other states Jason serves.
Find your stateHow it works
Three steps. Zero pressure. No homework due.
Bring your questions
A free 15 to 60 minute conversation, by phone, Zoom or in person. Doctors, prescriptions, budget, travel plans: everything goes on the whiteboard.
See every option
Jason compares plans from 11+ carriers side by side and explains the trade-offs in plain English, so the decision is genuinely yours.
Enroll with backup
We handle the paperwork and stay your advocate all year: claims questions, annual reviews, and a real person who answers the phone.
The big decision
Medicare Advantage or Medigap? The honest comparison.
This is the fork in the road for almost everyone, and the answer is different for different people. Here is the short version of the lecture.
Medicare Advantage
All-in-one convenience, network trade-off
- Often low or $0 monthly premium
- Usually bundles drug, dental, vision and hearing
- Yearly out-of-pocket maximum protects you
- Doctor networks and referral rules apply
- Copays add up when you actually use care
Medicare Supplement
Maximum freedom, higher fixed premium
- Any doctor in the U.S. that accepts Medicare
- Little to nothing out of pocket after premium
- No networks, no referrals, travels with you
- Monthly premium is higher and rises with age
- Needs a separate Part D drug plan
Free course materials
The Medicare Syllabus: your free study guide.
Everything first-time enrollees need in one plain-English guide: the four parts, the real 2026 costs, the enrollment calendar and the seven mistakes that cost people the most. Emailed to you free, no strings attached.
Office hours feedback
Clients grade the Professor straight A's.
Real families from Boynton Beach and beyond. Every Google review we have ever received is five stars.
Jason explained every option in words I could actually follow and never once rushed me. Signing up turned out to be the easy part.
MSMaria S.Boynton Beach resident
Professional, honest and patient with a small-business owner who had a hundred questions. He treated my time like it mattered.
JRJames R.Small business owner, Boynton Beach
I walked in confused and walked out confident in my decision. He shopped every option and showed me why the winner won.
SLSarah L.Local resident
5.0 rating · 21 Google reviews
Ask the professor
Questions everyone asks in the first class.
How much does it cost to work with you?
Nothing, ever. Licensed agents are paid by the insurance carriers, and your premium is identical whether you enroll with us or directly with the company. The only difference is that with us, you get an advisor who answers the phone all year.
Are you part of the government or Medicare?
No. The Medicare Professor is a private, independent agency operated by Jason York of Insurance Made Simple. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. You can always review every option at Medicare.gov or by calling 1-800-MEDICARE.
When can I enroll in or change my plan?
Your Initial Enrollment Period is the 7 months around your 65th birthday. After that, the Annual Enrollment Period runs October 15 to December 7, the Medicare Advantage Open Enrollment Period runs January 1 to March 31, and Special Enrollment Periods open when life changes, like moving or losing employer coverage.
Will I have to change my doctor or pharmacy?
Not if we do our job right. Before recommending anything, Jason checks that your doctors are in network and your prescriptions are on the plan formulary. If a plan would force a change you do not want, it comes off the list.
Do you only sell plans from one company?
No. Jason is an independent broker representing 11+ national carriers. Independence is the whole point: recommendations are driven by your needs, not a sales quota.
I am not in Florida. Can you still help me?
Probably. Jason is licensed in 17 states, including Florida, Alabama, Georgia, Indiana, Kentucky and Kansas, and works with clients by phone and Zoom every day. Call (561) 770-7957 and we will confirm your state in about thirty seconds.
From the lecture hall
Fresh notes from the blog.
Florida Local
Part D
The $2,100 Part D Drug Cap, Explained
Part D out-of-pocket spending is now capped at $2,100 per year. Here is how the cap works and what it means for your drug costs.
Enrollment
Your ANOC Letter, Decoded
Every fall, your plan sends an Annual Notice of Change. Here is how to read it in ten minutes and decide if you need to act.
Ready to understand your Medicare, once and for all?
Book a free review with Jason. Bring every question you have; leave with answers you can repeat to your spouse at dinner.
- 15, 30 or 60 minutes. Phone, Zoom or face to face in Boynton Beach.
- No cost, no obligation. If your current plan is the winner, we will tell you so.
- Year-round support. Enrollment is the start of the relationship, not the end.
A required note from the Professor
The Medicare Professor is a private insurance agency operated by Jason York of Insurance Made Simple and is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. Enrollment in any plan is never a condition of receiving free guidance.