You can switch from Medigap to Medicare Advantage during the Annual Enrollment Period with no health questions. Going the other direction is harder: outside your first year on Advantage or another guaranteed-issue window, Medigap carriers in most states, including Florida, can review your health history and decline coverage. That is why the first choice matters so much.

Original Medicare alone has no yearly cap on what you can spend out of pocket, and it leaves 20 percent of outpatient costs on your shoulders indefinitely. Healthy today does not mean healthy at claim time, and late enrollment usually costs more. Even the healthiest clients typically pair Original Medicare with either an Advantage plan or a Medigap plan plus Part D.

Carriers pay licensed agents a commission that is built into the plan pricing whether you use an agent or not. Your premium is the same either way, which is why our guidance is free and why we can honestly recommend you keep a plan we did not sell you.

Three things: your doctor list, your prescription list with dosages, and your priorities, such as budget, travel or a specialist you refuse to give up. With those, we can compare every plan we represent in your county and show the math in writing.