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Miami life insurance


Miami insurance agent

Welcome! Thank you for visiting this site. My name is Maria Defillo. If you are here, it's because you are about to turn 65, or perhaps you may want a new Medicare Advantage option; I will gladly assist you.  


Medicare is health insurance for people 65 or older or those under 65 with a disability.


You will not receive your Medicare card automatically unless you are already receiving your Social Security check.

If you are turning 65, you are first eligible to sign up for Medicare 3 months before you turn 65, the month of your birthday, or 3 months after. 


You may also sign up for a Medicare Advantage plan if you are under age 65 and have a disability, such as End-Stage Renal Disease (ESRD) or ALS (also called Lou Gehrig’s disease). 

What do I do after receiving my Medicare Part A and B card? You can give me a call and learn about your options. 

To give you a brief idea:

Option #1

You can stay with your Original Medicare Part A and Part B, then Sign up for Part D (for prescriptions).  * Not everything is covered, and this option can end up costing you a lot of money if you end up with an illness.  

Option #2

Join a Private Medigap plan, to cover the parts that your Original Medicare does not cover. (The gap in coverage).  Plus add a Part D (For prescription coverage). There is an additional monthly cost for this option, not counting the cost of Part B. You will have freedom (there is no network limitations), go to any doctor, with no need for referrals, anywhere in the United States.

Option #3

Join a Medicare Advantage plan, also known as Part C (These are bundled plans with extra benefits).  Part C includes part D for prescriptions, and in most cases Dental and Vision coverage.  This option usually does not have an additional monthly cost, but you do have to see doctors and providers within the network.

Medicare advantage miami

Medicare Agent in Kendall


Agente de Medicare Advantage en Miami

Original Medicare  

Part A (Hospital Insurance) 

Part B (Medical Insurance)

# 1 misconception about Medicare is that it is free, and no, it is not free. If you have met your 10 yrs / 40 working credits, Part A is free of cost. However, Part B is NOT free. For 2024, the cost is $174.70 per month.  This cost may be higher depending on your income range.

When you’re ready to learn more about Medicare and how it works, please reach out, and I will gladly assist you.

                         Have a nice day!

Maria Defillo


Medicare Benefit Consultant

Medicare Advantage plans in miami
Health Insurance Services in South Florida
Medicare agent in kendall

For assistance, call Maria R. Defillo (305) 595-2954
Thank you for the opportunity to be of service.

“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 or 1-800-Medicare to get information on all of your options.”

 Insurance agent Miami

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