Lake Worth · Palm Beach County
Turning 65, retiring, or reviewing your coverage for 2027? We help Lake Worth residents and their families understand Medicare options in plain language. We can meet in English, Spanish, or Haitian Creole, at our office or by phone.
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
During Medicare Open Enrollment you can:
Changes you make during this period take effect January 1, 2027, as long as the plan gets your request by December 7, 2026. Plans can change their costs, provider networks, and drug lists every year, so read the Annual Notice of Change your plan sends each fall and review your coverage before December 7.
If you are already in a Medicare Advantage Plan, there is also a Medicare Advantage Open Enrollment Period from January 1 to March 31. During it you can switch to another Medicare Advantage Plan or go back to Original Medicare.
Part A helps cover inpatient hospital care, skilled nursing facility care, hospice, and some home health care. Part B helps cover doctor visits, outpatient care, medical equipment, and many preventive services. You can use any doctor or hospital in the U.S. that takes Medicare.
Private plans approved by Medicare that combine Part A and Part B in one plan, and usually include drug coverage (Part D). Many plans use provider networks and may require approval before certain services. Each plan has a yearly limit on out-of-pocket costs for covered services. Costs, networks, and rules vary by plan.
Extra insurance from a private company that helps pay your share of costs in Original Medicare, like deductibles, copayments, and coinsurance. Medigap works only with Original Medicare. It does not pay costs in a Medicare Advantage Plan, and it does not include drug coverage, so people with Medigap usually add a separate Part D plan.
Prescription drug coverage from private plans that follow Medicare rules. You can add a stand-alone Part D plan to Original Medicare, or get drug coverage inside many Medicare Advantage Plans.
| Path 1: Original Medicare | Path 2: Medicare Advantage | |
|---|---|---|
| Hospital and medical | Part A and Part B | One private plan that includes Part A and Part B |
| Help with your share of costs | Optional Medigap policy | Built into the plan’s cost structure, with a yearly out-of-pocket limit |
| Drugs | Separate Part D plan | Usually included in the plan |
| Doctors | Any provider that takes Medicare | Often a plan network |
Neither path is right for everyone. The best fit depends on your doctors, prescriptions, travel, budget, and health needs. We walk through the trade-offs with you.
Your Medigap Open Enrollment Period is a one-time, 6-month window. It starts the first month you have Medicare Part B and are 65 or older. During that window, a company can’t refuse to sell you a Medigap policy it offers because of health problems. After that window, you may not be able to buy a Medigap policy, or it may cost more. This window does not repeat every year.
Your Initial Enrollment Period generally lasts 7 months. It starts 3 months before the month you turn 65 and ends 3 months after it. If you delay Part B or Part D without other qualifying coverage, you may pay a late enrollment penalty for as long as you have that coverage. We help you understand your timing, especially if you are still working or have coverage through a spouse’s job.
No. There is no cost to meet with us, and you are not required to change your coverage.
No. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week.
No. Medigap works only with Original Medicare. It does not pay costs in a Medicare Advantage Plan.
During Medicare Open Enrollment, October 15 to December 7, 2026. Changes start January 1, 2027. If you are already in a Medicare Advantage Plan, you can also make a change from January 1 to March 31. Some life events, such as moving, can open a Special Enrollment Period.
Generally, no. According to HealthCare.gov, it is against the law for someone who knows you have Medicare to sell you a Marketplace plan.
Your red, white, and blue Medicare card, your current plan card if you have one, a list of your medicines and doses, and the names of your doctors and pharmacy.
Yes. Family members and caregivers are welcome, in person or on the phone.
621 B North Dixie Hwy, Lake Worth, FL 33460
