Important Medicare disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program. Maru Insurance is a licensed independent insurance agency. Enrollment in a plan may be limited to certain times of the year.
How Medicare Advantage works in Florida
Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers that contract with the federal government. An Advantage plan bundles your Part A and Part B coverage, usually adds Part D prescription drugs, and often includes extras like dental, vision, or hearing. In exchange, most plans use provider networks and set their own copays and annual out-of-pocket maximums. Florida has one of the most active Advantage markets in the country.
Advantage vs. Original Medicare with a supplement
With a Medicare Advantage plan you get your benefits through a private network, often at a lower premium but with copays and network rules. With Original Medicare plus a Medigap plan you can see any provider that accepts Medicare and have more predictable costs, but you pay a separate supplement premium and add a standalone Part D plan. You cannot use both paths at once. Because Florida has no Medigap birthday rule, switching from Advantage to a supplement later can involve medical underwriting.
Enrollment windows
You can join, switch, or drop a Medicare Advantage plan during your Initial Enrollment Period around age 65, the Annual Enrollment Period each fall (October 15 to December 7), and the Medicare Advantage Open Enrollment Period (January 1 to March 31). Enrollment may be limited to these times.
How Maru helps
Maru is a licensed independent agency. Before you enroll, we check that your doctors and preferred hospitals are in a plan's network and that your medications are covered, then compare the Advantage plans available in your county on total cost—not just the headline premium. Our help costs you nothing, and we don't push a plan.
Frequently asked questions
Is Medicare Advantage free in Florida?
Can I keep my own doctors on a Medicare Advantage plan?
Do you offer every Medicare Advantage plan in my area?
What does your help cost?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.
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Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.