Florida Medicare FAQ

No. T65Navigator is an independent, licensed insurance agency. We are not connected with or endorsed by the U.S. Government, the federal Medicare program, or any government agency. We are private licensed professionals who help you compare and enroll in Medicare Supplement (Medigap) plans from private insurance carriers.

Our service is 100% free to you. Licensed insurance agents are compensated directly by the insurance carriers — not by clients. The plan premiums you pay are identical whether you enroll on your own or through us. You get expert guidance at no cost whatsoever.

Yes — this is one of the biggest advantages of Medigap over Medicare Advantage. Medigap works with any doctor or hospital in the United States that accepts Medicare. There are no networks, no referrals required, and no prior authorization for most services. Your relationship with your current doctors stays intact.

Medigap plans do not include prescription drug coverage. You'll need a separate Medicare Part D plan for medications. We specialize in Medigap (Medicare Supplement) plans and can refer you to Part D resources to complete your coverage. We recommend enrolling in Part D during your Initial Enrollment Period to avoid late enrollment penalties.

You should enroll during your Initial Enrollment Period (IEP) — a 7-month window that begins 3 months before your 65th birthday and ends 3 months after. This is also when you want to enroll in Medigap, because you have guaranteed acceptance with no health questions during this window. Missing your IEP can result in permanent late enrollment penalties for Medicare Part B.

Medicare Advantage (Part C) replaces Original Medicare with a private plan — typically HMO or PPO with networks, copays, and prior authorizations. Medigap (Medicare Supplement) works alongside Original Medicare to pay costs that Medicare doesn't cover. With Medigap, you keep your freedom to see any Medicare-accepting doctor nationwide with minimal out-of-pocket costs. Most Florida seniors find Medigap provides more predictable costs and greater freedom of choice.

The right plan depends on your health, budget, and how often you use medical care. Plan G is ideal for maximum coverage with predictable costs. Plan N saves $40–$60/month if you're generally healthy and can manage small copays. High Deductible Plan G offers the lowest premium for very healthy individuals. Our free consultation walks through your specific situation and compares real premium quotes from multiple carriers in your Florida ZIP code.

Yes. We use industry-standard SSL/TLS encryption on all data transmissions. We are fully HIPAA compliant. Your personal and health information is used only to match you with appropriate Medicare Supplement options. We never sell your personal information to third parties for marketing purposes.

The Medigap Open Enrollment Period is a 6-month window that begins the month you turn 65 AND are enrolled in Medicare Part B. During this window, insurance companies must offer you any Medigap plan they sell — with no health questions, no medical underwriting, and no higher premiums for pre-existing conditions. This is the single most important window for Florida seniors turning 65.

Yes, but it becomes more difficult after your Open Enrollment Period. Outside of this window, insurance companies in most states (including Florida) can require medical underwriting — meaning they can ask health questions, charge higher premiums, or deny coverage based on your health history. Switching is possible but not guaranteed. This is why choosing the right plan during your initial enrollment window is so important.

No. Standard Medigap plans do not cover dental care, vision (glasses/contacts), hearing aids, or long-term care. These are also not covered by Original Medicare. Many seniors choose to add separate dental, vision, and hearing plans to complement their Medigap coverage. Ask your T65Navigator specialist about bundled options available in your Florida county.

You apply for Medicare through the Social Security Administration at ssa.gov/benefits/medicare or by calling 1-800-MEDICARE (1-800-633-4227). Apply 3 months before your 65th birthday to ensure coverage starts on time. Once you have Medicare Part A and Part B, contact T65Navigator to compare Medigap plans before your Open Enrollment Period closes.