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Navigating the intricate world of Medicare can be a daunting task, especially for Floridians who want to make the most out of their health coverage. At ProCare Consulting, we understand that Medicare isn’t one-size-fits-all, and the unique needs of our Florida community deserve specialized attention.

That’s why we’ve developed a hands-on approach that simplifies the complexities, making it easy for you to choose the right plan. We evaluate proposals from all available carriers, taking the guesswork out of the equation.

Your peace of mind is our priority—let us guide you through the Medicare maze so you can focus on enjoying the Sunshine State to the fullest.

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Parts of Medicare

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ. Many people sign up for Medicare Advantage Plans thinking they are Medicare Supplement Insurance Plans, they are not.

Medicare Part A
Hospital Insurance

Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

Medicare Part B
Medical Insurance

Services from doctors and other health care providers. Outpatient care. Home health care. Durable medical equipment (like wheelchairs, walkers, hospital beds, etc.).

Medicare Part D
Drug Coverage

Helps cover the cost of prescription drugs. You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage.

Edlerly couple walking on bridge in florida

What It Means

Medicare offers a wide range of healthcare services, specifically tailored for seniors. This includes hospital stays, routine doctor visits, and even prescription drugs.

Why It’s Great for People in Florida

Florida has a high percentage of seniors, and Medicare ensures they have access to quality healthcare without the burden of excessive costs.

Elderly couple outside in Florida

What It Means

Medicare provides the flexibility to choose from a wide array of healthcare providers, so you can go to the doctors and hospitals you trust.

Why It’s Great for People in Florida

The state of Florida has a rich variety of healthcare providers and specialized care centers. Medicare allows Floridians to take advantage of these options.

Elderly couple on florida beach looking into the sunset

What It Means

Medicare is generally more affordable than private insurance plans, especially for those who have worked and paid into the system through taxes.

Why It’s Great for People in Florida

The cost of living can be high in certain parts of Florida, so an affordable healthcare option like Medicare is invaluable for residents, particularly those on a fixed income.

Medicare Supplement Plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).

It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

Medicare Advantage Plans

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These “bundled” plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

Medicare RX Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different “tiers” on their formularies. Drugs in each tier have a different cost.

A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

Medicare Education


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