Medicare Insurance Plans
Medicare Coverage in West Palm Beach, FL
Navigating Medicare doesn't have to be complicated. Our licensed advisors help you compare plans and find the right coverage for your retirement years.
Understanding Your Medicare Options
Medicare is federal health insurance for people 65 and older, and for certain younger people with disabilities and certain medical conditions. With multiple parts and plan types, choosing the right combination can feel overwhelming — we make it simple.
Medicare Plan Types
Medicare Part A
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and home health care. Most people don't pay a monthly premium for Part A if they or their spouse paid Medicare taxes while working.
Medicare Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medically necessary services. Most individuals pay a monthly premium for Part B coverage.
Medicare Advantage (Part C)
All-in-One Plans
Offered by private insurance companies, Medicare Advantage plans bundle Parts A and B — and often Part D drug coverage — into one convenient plan. HMO and PPO options available.
Medicare Part D
Prescription Drug Coverage
Standalone drug plans that work alongside Original Medicare or Medigap policies to help cover the cost of prescription medications.
Helping West Palm Beach seniors find the right Medicare coverage since day one.
Part C
Medicare Advantage Plans
Medicare Advantage Plans are offered by private insurance companies approved by Medicare. If you join one of these plans, you get all your Medicare-covered health care through the plan — often with additional benefits like vision, dental, and hearing.
We serve seniors in Century Village, West Palm Beach FL 33417, and throughout Palm Beach County with access to HMO, PPO, and other Medicare Advantage options.
- Often includes prescription drug coverage (Part D)
- May offer dental, vision, and hearing benefits
- HMO and PPO network options available
- Monthly premiums can be as low as $0
- Annual out-of-pocket maximums for protection
Is Medicare Advantage Right for You?
Medicare Advantage may be a great fit if you want all-in-one coverage, prefer lower premiums, and are comfortable using a network of providers.
Best for:
Seniors who want bundled coverage with extra benefits and predictable costs.
Consider if:
You have preferred doctors — confirm they're in-network before enrolling.
Medigap
Medicare Supplement Plans
Medigap policies fill the "gaps" in Original Medicare — covering costs like deductibles, copayments, and coinsurance. Every Medigap policy must follow federal and state laws and is identified by a standardized letter (A through N).
Plan A
Basic benefits only
Plan B
Basic benefits + Part A deductible
Plan C
Most gaps covered (pre-2020 enrollees)
Plan D
Basic + Part A deductible + skilled nursing
Plan F
Most comprehensive (pre-2020 enrollees)
Plan G
Popular — covers nearly all gaps except Part B deductible
Plan K
Lower premium, cost-sharing model
Plan L
Lower premium, cost-sharing model
Plan M
Moderate coverage, lower premium
Plan N
Lower premium with small copays
Plans F and C are only available to those who became eligible for Medicare before January 1, 2020.
Waiting for Medicare to Start?
Short-term health insurance may be the coverage you need to protect you for 3 to 11 months while waiting for your Medicare coverage to begin. If you're in good health, short-term coverage can bridge the gap for you and your spouse at an affordable cost.
Ask About Bridge Coverage — 561-688-7300Serving Seniors Across South Florida
We meet clients in person and by phone throughout the region.
Client stories
Palm Beach Seniors Who Found the Right Medicare Plan
Turning 65 is a big milestone. Here's how All Horizon helped local seniors navigate Medicare with confidence.
"I was completely overwhelmed when I turned 65 — Part A, Part B, Advantage, Supplement, Part D… I didn't know where to start. Lloyd spent two hours with me going through every option. He never rushed me, never pushed a product, and helped me pick a Medigap Plan G that covers almost everything. I've had zero surprise bills in two years."
Barbara H.
Boynton Beach, FL — Medicare Supplement Plan G
"I'm healthy and active, so a Medicare Advantage plan with low premiums and dental/vision made sense for me. Lloyd compared every plan available in my zip code and found one that included my doctors. Saved me over $200 a month versus a supplement."
Gerald R.
Palm Beach Gardens, FL
Medicare Advantage Plan
"I take four prescriptions and my old Part D plan stopped covering one of them. Lloyd ran a formulary comparison across every plan in my area and found one that covered all four at a lower total cost. I wish I had called him sooner."
Elaine W.
West Palm Beach, FL
Medicare Part D Drug Plan
"I travel frequently and needed a Medicare plan that worked nationwide, not just in my county. Lloyd explained why a Medigap supplement was the right fit for my lifestyle. I can see any Medicare-accepting doctor in the country."
Donald P.
Jupiter, FL
Medicare Supplement Plan N
65+
Medicare Plans Compared
15+
Years Serving Florida
20+
Carrier Partnerships
$0
Cost to Compare Plans
Ready to Compare Medicare Plans?
Retirement is life-changing — get the facts before you sign up. Our licensed advisors will walk you through every option at no cost to you.
All Horizon Financial Services · 2101 Vista Park Way, West Palm Beach FL 33411