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Doral, FL — South Florida

Medicare Plans in Miami.
Compared. Explained.
At No Cost to You.

We compare Medicare Advantage, Supplement, and Part D plans from 14+ carriers to find the right fit for your doctors, your medications, and your budget.

✓ 14+ Carriers ✓ Doral Office ✓ English & Spanish ✓ No Cost
What we compare for you
Your current doctors
We verify network coverage before recommending any plan
Your medications
Full formulary reviewed plan by plan
Your real budget
Premium, copays, and out-of-pocket maximum
Extra benefits
Dental, vision, give-back, transportation & more
14+
Carriers compared
4.9★
Google Rating
EN/ES
Bilingual service
$0
Cost to you

Had Medicare with AvMed? AvMed exited the Medicare market on January 1, 2026 — but you may still be able to enroll in a new plan. See your options →

Medicare plan options in South Florida

There are three main ways to get your Medicare coverage. Our brokers explain all of them and help you decide which is right for your situation.

Medicare Advantage (Part C)

An all-in-one alternative to Original Medicare offered by private insurers. Usually includes dental, vision, hearing, and drug coverage — often with a $0 premium.

  • Many $0 premium plans in Miami-Dade
  • Annual out-of-pocket maximum protects you
  • Dental, vision, hearing often included
  • OTC allowance, gym membership, transportation
  • Network-based — verify your doctors first
Learn about Medicare Advantage →
Medicare Supplement (Medigap)

Works alongside Original Medicare to fill the 20% coverage gap. See any doctor in the country that accepts Medicare — no networks, no referrals.

  • Nationwide coverage — no network restrictions
  • Predictable costs — no surprise bills
  • Plan G covers nearly everything except Part B deductible
  • Premium varies by age and carrier — compare prices
  • Add a separate Part D drug plan
Learn about Medicare Supplement →
Medicare Part D (Drug Plans)

Prescription drug coverage added to Original Medicare or a standalone Medigap plan. Required to avoid late enrollment penalties if you have prescriptions.

  • $2,000 out-of-pocket cap in 2026
  • Formularies vary — match to your medications
  • Premium, deductible, and copays vary by plan
  • Extra Help available for limited income
  • Review annually during AEP (Oct 15–Dec 7)
Learn about Part D costs →
FREE TOOL

Medicare Advantage vs. Supplement:
Which Costs Less For You?

The answer depends on your age, health usage, and medications. Our calculator shows your projected costs at 1, 5, 10, and 20 years — free, no signup required.

Compare my costs → Calculate my IRMAA →

14+ carriers. One independent broker.

We represent every major Medicare carrier in Florida — no exclusivity, no favoritism. Your best plan is all that matters.

UnitedHealthcare
Humana
Aetna
Cigna
Devoted Health
Simply Healthcare
CarePlus
Wellcare
Mutual of Omaha
Florida Blue
Anthem
Allwell
Molina
+ More

How we find your plan

A free, personal process — in person in Doral, by phone, or by video.

1

Free consultation

Tell us your doctors, medications, and budget. We listen first — then we compare.

2

Personalized comparison

We run your doctors through every network and your medications through every formulary — then show you the plans that actually fit.

3

Enrollment & year-round support

We handle the enrollment with you and stay available all year — not just during open enrollment season.

FREE ENROLLMENT TOOL
When is your Medicare enrollment window?
Missing your window means permanent penalties. Enter your birthday and find your exact IEP or SEP dates in seconds.
Find my window →

Medicare Learning Center

New to Medicare or just want to understand your options better? Start here.

COMMON MISTAKES

Medicare myths that cost Floridians thousands

One wrong assumption can mean permanent penalties or years of overpaying.

MYTH
"I have to be retired to get Medicare."
FALSE — you qualify at 65 regardless of work status.
MYTH
"COBRA extends my Medicare window."
FALSE — your SEP clock starts when employer coverage ends.
MYTH
"A $0 plan is always the best deal."
FALSE — out-of-pocket costs can reach $9,350/year.
See all 15 Medicare myths →

Why choose The Health Experts?

What makes us different from every other broker in South Florida.

🗣️

Truly bilingual

English and Spanish — not as a translation, but as a first language. We understand your community.

⚖️

100% independent

14+ carriers, no exclusivity. Your best plan, without favoritism toward any company.

📍

Local Doral office

We know the hospitals, doctors, and neighborhoods of Miami-Dade. Not a call center.

👩‍💼

Women-owned agency

Founded by Yahoska Pérez and Katy Robles — 14+ years of combined experience.

4.9
★★★★★
38 Google reviews
W
Winnie Tseng
Verified Google review
★★★★★

"Yahoska was absolutely incredible. She took the time to understand my mom's needs and helped her find the best insurance plan. Patient, knowledgeable, and always willing to answer our questions."

K
Kiss Michelle
Verified Google review
★★★★★

"I reached out for a quote and got a response within 5 minutes. She was very sweet, knowledgeable and secured my coverage in 20 minutes. Highly recommend!"

G
Gerry
Verified Google review
★★★★★

"Ms. Pérez and her team have been fantastic in providing excellent customer service during the open enrollment period. Quick responses to all our questions."

Ready to find your Medicare plan?

Speak with a licensed Medicare broker. Free, bilingual, no pressure.