Miami life insurance


Miami insurance agent

Medicare is health insurance for people 65 or older. You are first eligible to sign up for Medicare 3 months before you turn 65, and 3 months after.  You will not receive your Medicare card automatically unless you are already receiving Social Security Benefits.


You may also be eligible to get Medicare if you are under age 65 if you have a disability, such as End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). 

What do I do after I receive my Medicare Part A and Part B card? Call and get educated about your options. 

But just 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), go to any doctor, and no need for referrals, anywhere in the United States.

Option #3

Join a Medicare Advantage plan, also known as 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 stay and see doctors and providers within the network.

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Medicare choices when I turn 65


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Original Medicare  

Part A (Hospital Insurance) 

Part B (Medical Insurance)

# 1 misconception with Medicare is that it is free, and no it is not free. If you have met your 40 working credits, Part A is free of cost, however, Part B is NOT free. For 2022 the cost is $170.10 per month. It may be higher depending on your income range.

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

Maria Defillo


Medicare Benefit Consultant

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Thank you for the opportunity to be of service.

 Insurance agent Miami