Have Questions?
Need help with your Medicare coverage?
Get a free, unbiased review that compares Medicare plans from 12+ companies. We ensure your plan covers your doctors and prescriptions, avoiding all costly surprises.
Choose a Medicare plan with confidence.
Many people settle for less, but we give you the full picture. Our no-cost review is 100% unbiased because we compare every detail from 14 different insurance companies, ensuring your plan matches your doctors, prescriptions, and budget.
Why Thousands of Seniors Choose Florest for Medicare Guidance
In-person + Phone or Video Call
Get friendly 1-on-1 guidance from a licensed Medicare advocate who listens to you and explains every option clearly.
No Cost, No Sales Pressure. Ever.
Our support is completely free, and your decisions always stay in your hands with zero obligation or hidden fees.
Compare Plans Side by Side
We’ll review your doctors, prescriptions, and coverage goals together so you can choose the plan that truly fits you.
Year-Round Support & Plan Reviews
Stay protected all year with check-ins, renewal help, and expert updates whenever your needs or plans change.
How do we work?
No-Cost Review of Doctor, Prescription and Health History
We’ll review your doctors, prescriptions, and budget, then narrow to the plan that actually fits your specific needs. I’ll explain the options in plain English, so you can choose with confidence.
Review All Available Medicare Plan Options
See premiums, benefits, copays, deductibles, and drug costs side-by-side with no surprises at the pharmacy or clinic. I’ll flag hidden costs and show you where the real savings are.
Skip the 5 Common Medicare Mistakes
Avoid pitfalls like missing enrollment windows, choosing on premium alone, or picking plans that don’t fit your care. I’ll walk you through the right steps so you don’t lose coverage or pay more than you need.
Year-Round Support and Assistance
We are around all year to assist you for any matters with your coverage. We’ll track your Medicare plan and file everything correctly. You get reminders, clear next steps, and ongoing support when it’s time to review your Medicare plan.
What Clients Say After Working With Us
“Florest made Medicare finally make sense. We kept my cardiologist and cut my drug costs. The paperwork was the easiest part.”
“Florest made Medicare finally make sense. We kept my cardiologist and cut my drug costs. The paperwork was the easiest part.”
“My prescriptions got pricey. Florest ran a drug lookup and switched me to a plan with lower copays—kept all my doctors.”
Frequently Asked Questions
About Our Services (No Cost to You!)
Is there a fee for your service?
No. Our services are 100% free to you. We're paid a commission directly by the insurance company when you enroll in a plan, which is already built into the plan's cost. You'd pay the exact same premium whether you enroll through us, through another agent, or directly with the insurance company.
Why should I use your service if I can call the insurance company directly?
We save you time and provide unbiased comparison. As an independent agency representing 14 different insurance companies, we do the legwork for you. We can quickly compare multiple plans from different carriers to find the one that best fits your doctors, prescriptions, and budget—something a single company agent can't do.
Understanding Medicare Supplement & Medicare Advantage Plans
What is Medicare Supplement?
A Medicare Supplement Plan, or Medigap, is private insurance that helps pay for costs Original Medicare (Parts A and B) doesn't cover, such as copayments, coinsurance, and deductibles. These plans standardize their coverage with letter designations (like Plan G or Plan F) and are designed to fill in the financial "gaps" in your Original Medicare coverage.
What is a Medicare Advantage (Part C) plan?
A Medicare Advantage (MA) plan is an all-in-one alternative to Original Medicare (Part A and Part B). These plans are offered by private insurance companies approved by Medicare. They include your hospital and medical coverage, and most plans also include prescription drug coverage (Part D) and extra benefits.
What do Medicare Advantage plans cover that Original Medicare doesn't?
Most Medicare Advantage plans include additional benefits that Original Medicare does not, such as routine dental, vision, and hearing coverage. Many also include wellness programs, gym memberships, and other benefits like transportation or over-the-counter (OTC) allowances.
Can I keep my current doctors with a Medicare Advantage plan?
To enroll in a Medicare Advantage plan, you must meet two main requirements: You must be enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). You must live in the plan's service area.
Enrollment and Eligibility
When is the best time to buy a Medicare Supplement plan?
The best time to buy a Medicare Supplement policy is during your Medigap Open Enrollment Period.
This is a six-month period that starts the first month you are age 65 or older and are enrolled in Medicare Part B.
During this window, insurance companies cannot deny you a policy or charge you more due to any pre-existing health conditions (this is called "guaranteed issue").
If you miss this enrollment period, you may have to undergo medical underwriting to purchase a Medigap plan, and the insurer could potentially deny you coverage or charge you a higher premium based on your health history.
When can I switch to a Medicare Advantage plan or change the one I have?
The most common times to enroll or switch plans are:
-Initial Enrollment Period (IEP): When you first become eligible for Medicare (around your 65th birthday).
-Annual Enrollment Period (AEP): Every year from October 15 to December 7, with coverage starting January 1.
-Special Enrollment Period (SEP): Available for certain life events, like moving or losing other coverage. We can check if you qualify for an SEP right now.