South Florida has one of the most competitive Medicare Advantage markets in the country. That means more plans, richer benefits, and often a $0 premium — if you know where to look. We do.
Think of it this way: Original Medicare is like a basic phone plan — it covers the essentials (hospital and doctor visits) but not much else. Medicare Advantage is like an all-in-one bundle — a private insurance company takes over your Medicare coverage and often adds extras like dental, vision, hearing, and gym membership, sometimes for $0 extra per month.
The catch: You must use the plan's network of doctors and hospitals. Always verify your doctors are in-network before enrolling. Our brokers check this for you — free.
Medicare Advantage plans in South Florida offer benefits far beyond what you get with Original Medicare. Here's what's commonly available:
Picking a plan based on benefits without verifying your doctors are in-network. Always confirm your specific doctors and specialists are covered before you enroll. Our brokers run this check for you at no cost — for every plan we recommend.
The two most common Medicare Advantage plan types work differently. Here's how to choose.
You have a primary care doctor who coordinates your care. Specialist visits require a referral. You must use in-network providers except in true emergencies. Generally the lowest premiums and copays.
No referrals needed to see specialists. You can use out-of-network providers but pay more. Larger network and more flexibility than HMO. Slightly higher premiums but greater freedom.
We represent all the top Medicare Advantage carriers in South Florida — no exclusivity, no favorites. We show you everything and let the numbers speak.
Our process is personal, thorough, and completely free.
Common questions about Medicare Advantage in South Florida.
Our licensed Miami brokers will check your doctors, your medications, and every plan available in your ZIP — completely free.