Medicare, explained clearly by someone who lives near you.
Turning 65 or reviewing your coverage? Answer five quick questions to see which type of plan usually fits people like you. Then talk it through with a licensed advisor, at no cost.
- Our help is free. We’re paid by the insurance companies, never by you.
- We check your doctors and prescriptions before suggesting a plan.
“I finally understand my choices.” Over 6,000 neighbors in Central Florida have reviewed their Medicare options with us since 2013.
Medicare plan-type finder
Educational only — takes about one minute.
This tool is for education only and does not recommend a specific plan. Plan availability, costs and benefits vary by county. A licensed advisor can review plans available where you live.
Medicare in four letters
Medicare is split into parts. Knowing what each one does makes every other decision easier.
Hospital insurance
Inpatient hospital stays, skilled nursing after a hospital stay, hospice and some home health care.
Medical insurance
Doctor visits, outpatient care, lab tests, preventive screenings and medical equipment.
Medicare Advantage
Private plans that combine A and B, often with drug coverage and extras, using a provider network.
Prescription drugs
Helps pay for medications. Added to Original Medicare or included in most Advantage plans.
Your three main paths, side by side
Most people choose one of these. Scroll the table sideways on a phone.
| What matters | Original Medicare alone | Medicare Advantage | Original + Supplement |
|---|---|---|---|
| Choice of doctors | Any doctor who accepts Medicare, nationwide | Usually a plan network (HMO or PPO) | Any doctor who accepts Medicare, nationwide |
| Monthly premium | Part B premium only | Part B premium, plan premium is often low or $0 | Part B premium plus a Supplement premium |
| Costs when you get care | 20% coinsurance, no yearly cap | Copays, with a yearly out-of-pocket maximum | Few or very low costs, depending on the plan |
| Prescription drugs | Add a separate Part D plan | Usually included | Add a separate Part D plan |
| Dental, vision, hearing | Not covered | Often some coverage included | Not covered |
| Often a fit for | People with other coverage, such as from a former employer | People who want lower premiums and extras, and are fine with a network | People who travel or want predictable costs and freedom to choose |
Opens in
From October 15 to December 7 you can switch plans for the coming year. Changes take effect January 1.
Book my plan reviewKey Medicare dates
Missing a window can mean waiting, or paying a penalty. Here’s when you can act.
- Around your 65th birthday · 7 months
Initial Enrollment Period
Starts three months before the month you turn 65 and ends three months after. Enrolling early avoids a gap in coverage.
- October 15 – December 7
Annual Enrollment Period
Anyone with Medicare can join, switch or drop an Advantage or Part D plan. Your new plan starts January 1.
- January 1 – March 31
Medicare Advantage Open Enrollment
If you’re in an Advantage plan, you can switch to another one or go back to Original Medicare once.
- Any time you qualify
Special Enrollment Periods
Moving, losing employer coverage or qualifying for Extra Help can open a window outside the usual dates.
How a plan review works
One conversation, by phone, video or at our office. Bring your Medicare card and a list of your medicines.
We listen
Your doctors, prescriptions, budget and what’s worked or hasn’t with your current coverage.
We compare
We check which plans in your county include your doctors and estimate your yearly drug costs.
You decide
No pressure. If you choose to enroll, we handle the paperwork and stay your contact all year.
What our neighbors say
“Carol sat with me for an hour and wrote everything down in large print. I left knowing exactly what I had and why.”
Joan W., 71The Villages, FL“I was turning 65 and getting ten calls a day. Silvercrest was the only one that explained instead of selling.”
“They found that my insulin was cheaper on a different drug plan. That one change saved us real money this year.”
Meet Carol, your local advisor
Carol Benton has helped Central Florida families with Medicare for over a decade. She started after watching her own parents struggle to compare plans on their own.
“My job is to make this feel simple. If I recommend a plan, I’ll tell you exactly why — and what it doesn’t cover.”
Questions people ask us most
Get a free call back from a licensed advisor
Tell us when to reach you. We’ll call from (555) 016-2270, so you’ll know it’s us.
Prefer to call now?
(555) 016-2270 TTY 711 · Mon–Fri 8am–8pm, Sat 9am–3pm ET