Medicare · Florida, Georgia & Alabama
Medicare guidance made simple.
Clear advice. Real coverage. A Medicare broker who stays.
Turning 65 is a milestone, and choosing Medicare coverage can feel overwhelming.
As your local Medicare broker, we help you understand your options, find the right fit,
and get answers long after enrollment.
EXISTING CLIENTS
Do you need to report any changes for this 2027 Enrollment Period?
Medicare plans we help with
Every client’s situation is different. As an independent Medicare broker, we work with multiple carriers to show you real options — not just whatever one company offers.
Medicare Advantage (Part C)
Combines hospital, medical and often prescription coverage in one plan. Zero to low premiums, network-based, some with Part B giveback.
Medicare Supplement (Medigap)
Works alongside Original Medicare to cover copays, coinsurance and deductibles. Accepted by any doctor who takes Medicare.
Prescription Drug Plans (Part D)
Standalone drug coverage that pairs with Original Medicare or Medigap. Carrier and formulary matter — we match the plan to your medications.
Medicaid / State programs
May help with premiums, deductibles and copays for those who qualify. Enrollment is completed directly with your state agency.
Carriers we work with:
WHY LIFELINE
Why work with a Medicare broker
We work for you, not a carrier
As an independent brokerage, we compare plans across multiple companies. You get the full picture.
Our services cost you nothing
We’re compensated by the carrier. The price is exactly the same whether you use a broker or buy direct.
26 years of experience
We’ve helped 500+ Medicare clients navigate their options. The rules change every year — we keep up so you don’t have to.
We treat you like family
We stay involved after enrollment and check in at each renewal.
How working with a Medicare broker works
Here’s exactly what to expect from first call to having a plan in place.
What to bring to your appointment
Medicare Part A & B cardList of preferred doctorsPreferred pharmacyList of current medicationsAnnual Enrollment has started • Oct 15 – Dec 7
Book your free Annual Enrollment review
In a free 30-minute call, Eddy reviews your current plan, doctors and prescriptions, and compares next year’s options with you before the December 7 deadline. Prefer to talk now? Call 305-677-9912.
- 30 minutesby phone
- Freeno obligation
- By Dec 7changes start Jan 1
Opens our booking calendar in a new tab. If we'll discuss Medicare Advantage or Part D plans, Medicare requires a short Scope of Appointment form, which we'll send you before the call.
TIMING MATTERS
Enrollment periods: what you need to know
Start getting informed at least 3 months before your 65th birthday. Still working at 65? Then talk to HR first, because employer coverage affects when and how you enroll. You can also check the official dates on Medicare.gov.
| Period | What it means |
|---|---|
| Initial (IEP) | 3 months before/after your 65th birthday. Your Guaranteed Enrollment Period — no health questions, no penalties. |
| Annual (AEP) | Oct 15 – Dec 7 each year. Switch, drop or add Advantage/Part D plans. Effective January 1. |
| Open (OEP) | Jan 1 – Mar 31. Switch Medicare Advantage plans or return to Original Medicare. |
| Special (SEP) | Triggered by qualifying life events — losing employer coverage, moving, Medicaid changes. Time-sensitive. |
| General (GEP) | Jan 1 – Mar 31, for those who missed IEP. Late enrollment may mean permanent Part B penalties. |
Free checklist
Turning 65? 7 things to do before you enroll
A free guide with everything you need to know before you enroll. Available in English and Spanish.
KNOW YOUR OPTIONS
Medicare Advantage vs. Medicare Supplement
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Monthly premium | Zero to low (sometimes $0) | Higher ($150–$400+) |
| Doctor network | Network-based (HMO/PPO) | Any doctor who accepts Medicare |
| Out-of-pocket | Copays/coinsurance; annual max applies | Most gaps covered — predictable costs |
| Pre-existing conditions | Covered if enrolled when eligible | Covered in Guaranteed Period; health questions may apply later |
| Best for | Lower monthly costs, comfortable with a network | Maximum flexibility, predictable costs |
Our take: if you have the means and health concerns, we usually recommend looking at Medigap — especially during your Guaranteed Enrollment Period. But every situation is different, and that’s what we’re here for.
Common questions
Questions people ask their Medicare broker
It depends on the plan. Medicare Advantage plans are network-based, so we always verify your doctors are included before you enroll. Medigap works with any doctor who accepts Medicare.
Medicare Advantage plans have an annual out-of-pocket maximum; Medigap covers most gaps for predictable costs. We walk you through the numbers for every plan we look at.
Yes — enroll during your Guaranteed Enrollment Period (3 months before/after you turn 65) and they can’t be used to deny coverage or change your rate.
Part A is no charge for most people. Part B runs $203/month in 2026 (varies by income). Together they cover about 80% of costs; a plan covers the rest.
Possibly — we’ll let you know at your appointment. If you qualify, enrollment goes through your state agency directly.
No. As your Medicare broker, we’re compensated by the insurance carrier, so your plan costs exactly the same whether you use a broker or buy direct.
Talk to a licensed broker
Questions about your coverage? Let's talk.
Free, no-obligation help from Eduardo and our team. Monday to Friday, 9 am to 9 pm.
Lifeline Insurance Group is an independent brokerage. Not affiliated with Medicare or any government agency. Plan availability and benefits vary by location and are subject to change.