Medicare

Medicare Agent in Kissimmee & Central Florida

Name: Quantum Insurance Advisors
Address: 2570 E Irlo Bronson Memorial Hwy, Kissimmee, FL, 34744, US
Telephone: +1-407-462-7199
Price range: Free consultation
Rating: 5.0

Licensed, independent Medicare guidance from our Kissimmee office — Advantage, Supplement, and Part D for Central Florida seniors. Free to clients. English & Spanish.

¿Prefiere español? Tenemos páginas dedicadas en español: Centro de Medicare en español · Consulta gratuita

The Basics

Understanding the Parts of Medicare

Medicare is divided into parts that cover different types of healthcare. Understanding each part is the first step to choosing the right coverage.

Part A — Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people don't pay a premium for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years.

Part B — Medical Insurance

Covers outpatient medical services: doctor visits, preventive care, outpatient procedures, lab tests, and durable medical equipment. Part B requires a monthly premium (standard is $202.90/month in 2026; amount set by CMS and may vary with IRMAA).

Part C — Medicare Advantage

A private insurance alternative to Original Medicare (Parts A & B). These plans often include dental, vision, hearing, and prescription drug coverage — sometimes at a $0 premium. Offered by approved private insurers.

Part D — Prescription Drug Coverage

Adds prescription drug coverage to Original Medicare (Parts A & B) or some Medicare Cost Plans. Offered through private insurers. Premiums and formularies vary by plan — we help you compare based on your specific medications.

Happy senior couple — Quantum Insurance Advisors helps seniors in Florida navigate Medicare options

Also Known As Medigap

Medicare Supplement Plans

Original Medicare doesn't cover everything. Medicare Supplement (Medigap) plans help cover the "gaps" — your deductibles, copayments, and coinsurance that you'd otherwise pay out of pocket.

There are standardized Medigap plan letters (Plan G, Plan N, etc.) that offer the same basic benefits regardless of which insurer you choose — the difference is in premium pricing. We compare dozens of carriers to find you the best rate.

When Can I Enroll in Medicare?

Initial Enrollment Period (IEP): 7-month window around your 65th birthday
General Enrollment Period: January 1 – March 31 each year (late enrollment)
Special Enrollment Period: If you're still covered by employer insurance past 65
Annual Election Period (AEP): Oct 15 – Dec 7 — change Advantage or Part D plans
Under 65 with Disability: You may qualify for Medicare before age 65

Missing Your Enrollment Window Can Be Costly

Late enrollment in Part B and Part D can result in permanent premium penalties. Contact us early so we can help you enroll on time and avoid unnecessary costs.

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