Understand your Medicare options, avoid costly mistakes, and choose the right coverage for your life. NISONA helps Florida residents navigate Medicare with local, unbiased advice — completely free.
Get My Free Medicare Consultation Call (888) 564-2326Medicare is a federal health insurance program designed to provide coverage for Americans who are 65 or older, certain people under 65 with disabilities, and individuals with End-Stage Renal Disease or ALS.
Key takeaway: Original Medicare is administered by the federal government. Private insurance companies offer additional coverage options — such as Medicare Supplement and Medicare Advantage plans — that are approved by Medicare and can help fill the gaps in your coverage.
If you’re turning 65 or just starting to look into Medicare, we have a complete step-by-step guide covering eligibility, enrollment periods and deadlines, Original Medicare vs. Medicare Advantage, 2026 costs, and the 5 most common mistakes new enrollees make.
Medicare is divided into four parts, each covering different aspects of your healthcare. Tap into any part below for full details.
Covers inpatient hospital stays, skilled nursing facility care following a qualifying hospital stay, hospice care, and limited home health care.
Premium: $0 for most people who paid Medicare taxes for at least 10 years
2026 Deductible: $1,736 per benefit period
Covers doctor and specialist visits, outpatient services, preventive screenings, durable medical equipment, and some home health services.
2026 Premium: $202.90/month (standard). Higher-income individuals may pay more via IRMAA.
2026 Deductible: $283 per year
Offered by private insurance companies approved by Medicare. Includes all Part A and Part B benefits and often adds prescription drug coverage, dental, vision, hearing, and wellness programs.
Costs: Vary by plan and may include monthly premiums, copayments, coinsurance, and annual out-of-pocket maximums.
Helps cover the cost of prescription medications and is offered through private insurance companies approved by Medicare.
✓ 2026 Update: Medicare Part D now includes a $2,100 annual out-of-pocket maximum for covered prescription drugs. Once you reach this limit you pay $0 for covered medications for the rest of the year.
Have questions about which parts of Medicare you need? We can help.
Comparing plans, avoiding costly mistakes, and understanding local provider networks is easier with a licensed local agent — at no cost to you. NISONA serves Vero Beach, Sebastian, Melbourne, and the entire Treasure and Space Coast.
Medicare plan availability, provider networks, and local hospital systems vary across Florida. Get guidance built around your specific coast.
Serving Vero Beach, Sebastian, Fort Pierce, Port St. Lucie, and surrounding Indian River, St. Lucie, and Martin counties.
Serving Melbourne, Palm Bay, Titusville, and all of Brevard County’s Space Coast.
You have four ways to enroll in Medicare Parts A and B:
Apply at www.ssa.gov/medicare
Call Social Security at 1-800-772-1213
TTY: 1-800-325-0778
Find your local office at www.ssa.gov/locator
Complete a paper application and mail it to your local Social Security office.
Prefer to have someone walk you through the enrollment process?
Once you are enrolled in Original Medicare, the next step is choosing how you want to fill the gaps. Here are the most popular options for Florida residents.
The most popular Medigap plan — covers almost all Medicare-approved costs except the Part B deductible. Maximum coverage, maximum peace of mind.
A lower-premium alternative to Plan G with small copays at office visits and the ER. A great balance of coverage and cost.
The lowest monthly premium Medigap option. You pay the first $2,950 in costs before full coverage kicks in — ideal for healthy individuals who want catastrophic protection.
All-in-one plans that bundle Part A, Part B, and usually Part D. Often include dental, vision, and hearing. Network-based coverage with varying costs.
See every way to fill the gaps in Original Medicare, side by side — Supplement plans, Medicare Advantage, and Part D, all in one place.
Need a specific CMS form — like CMS-40B for Part B enrollment? Find every essential Medicare form with instructions and direct download links.
Whether you’re just starting to explore Medicare or already know exactly which plan you want, our friendly, knowledgeable agents are here to help — free, local, and completely unbiased.
Nisona serves the insurance needs of the Treasure and Space Coast.