Frequently Asked Questions About Medicare in Miami When should I enroll in Medicare? Most people have a 7-month Initial Enrollment Period surrounding their 65th birthday. Missing this window can result in permanent late enrollment penalties. What is IRMAA? IRMAA is an Income-Related Monthly Adjustment Amount added to Medicare Part B and Part D premiums for higher-income beneficiaries. The 2026 Part D IRMAA surcharge ranges from $13.70 to $85.80 per month. How much does it cost to work with a Medicare broker? Nothing. Our licensed Medicare brokers are paid by the insurance carriers, not by you. Consultations are always free with no obligation to enroll.
Medicare Advantage Plans (Part C) in Miami, Florida Medicare Advantage plans combine Part A, Part B, and usually Part D into one private plan. Many plans in Miami-Dade and Broward offer $0 monthly premiums and include dental, vision, hearing, and OTC card benefits. Medicare Supplement Plans (Medigap) in Florida Medicare Supplement plans work alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. There are no network restrictions — you can see any doctor in the U.S. who accepts Medicare. Medicare Part D Prescription Drug Plans in Florida Part D plans cover prescription medications. Enrolling late without creditable coverage triggers a permanent penalty. Our licensed brokers compare Part D formularies against your specific medications before you enroll. Former AvMed Medicare Members AvMed discontinued all Medicare Advantage plans in Florida on January 1, 2026. Former AvMed members qualify for a Special Enrollment Period and can enroll in a new Medicare plan immediately at no cost.
Medicare Plans in Miami, FL — Advantage, Supplement & Part D The Health Experts Insurance helps individuals, families, and seniors across Miami-Dade, Broward, and all of Florida compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans at no cost. Our licensed bilingual brokers in Miami compare plans based on your specific doctors, prescriptions, and budget. Call 1-800-380-6821 for a free Medicare consultation in English or Spanish.