Pick your state for the requirements, costs, and guidance that actually apply to you:
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.
Medicare is the federal health program for people 65 and older and for some younger people with qualifying disabilities. It comes in parts, and the choices you make when you first enroll shape your costs and your access to doctors for years. Maru is a licensed independent agency that helps Washington and Florida beneficiaries understand how the pieces fit and compare the specific plans available where they live.
The parts of Medicare
| Part / plan | What it covers |
|---|---|
| Part A | Hospital and inpatient care (most people pay no premium) |
| Part B | Doctor visits, outpatient care, and preventive services |
| Part C (Medicare Advantage) | A private-plan alternative that bundles A and B, and usually D |
| Part D | Prescription drug coverage (standalone or inside Advantage) |
| Medigap (Supplement) | Private coverage that pays Original Medicare's out-of-pocket costs |
Two ways to round out your coverage
Most people choose between two paths. One is Original Medicare plus a Medicare Supplement (Medigap) policy and a standalone Part D drug plan — this keeps the freedom to see any provider that accepts Medicare and makes costs predictable. The other is a Medicare Advantage plan, which bundles your coverage through a private insurer that typically uses a network and often includes drug coverage and extras. You generally cannot combine a Medigap policy with a Medicare Advantage plan. We explain both honestly so you can pick the one that fits.
When to enroll
Your Initial Enrollment Period runs for seven months around your 65th birthday. There is also an Annual Enrollment Period each fall (October 15 to December 7) when you can change plans, and a Medigap Open Enrollment window that gives you a one-time guaranteed right to buy a supplement without health questions. Missing these windows can mean higher costs or medical underwriting later, so timing matters. Enrollment in a plan may be limited to certain times of the year.
Washington and Florida notes
Washington offers a consumer-friendly Medigap "birthday rule" that lets you switch to an equal or lesser supplement each year without new underwriting. Florida's large retiree population means many plan choices and heavy marketing, where independent, pressure-free guidance is especially valuable. In both states, Maru compares the options actually available to you and coordinates your drug coverage so the whole picture works together.
Frequently asked questions
Does it cost anything to work with a Medicare agent?
Should I choose Medicare Advantage or a Medigap plan?
Do you offer every Medicare plan in my area?
When can I enroll or make changes?
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.
Ready for a quote that actually fits?
Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.