Medicare has dozens of Advantage and Supplement plans sold in Duval County, and picking the wrong one can cost you a doctor or a drug you rely on. Julieann Bennett compares the plans actually available at your ZIP code.
Which best describes you?
Pick the one that fits and Julieann guides your next step. No cost, no pressure, no spam calls.
Original Medicare has two parts: Part A covers hospital stays and Part B covers doctors and outpatient care. From there you add coverage, either a Part C Medicare Advantage plan that bundles everything, or a Part D drug plan plus a Medigap supplement. Which route is cheaper depends on your doctors, your prescriptions and your budget.
Know these four letters and the rest of Medicare gets a lot simpler.
Inpatient hospital stays, skilled nursing, hospice and some home health care. Most people pay no premium for Part A.
Doctor visits, outpatient care, preventive services and durable medical equipment. Part B has a monthly premium.
A private all-in-one plan that bundles Part A, Part B and usually Part D, often with dental and vision, for a low or zero premium.
Prescription drug coverage, either built into an Advantage plan or bought as a standalone plan to pair with Original Medicare.
Each of these solves a different problem. Start with the one that matches your situation.
Bundled Medicare Part A, B and often Part D coverage through a private carrier, often with extra benefits like dental and vision. Julieann checks your doctors are in-network first.
Medigap coverage that fills the gaps Original Medicare leaves, so you can see any doctor who accepts Medicare with predictable out-of-pocket costs.
A simplified comparison to show how the two approaches differ.
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Typical monthly premium | Often $0 | Low to moderate |
| See any Medicare doctor | Network based | Yes, nationwide |
| Dental, vision, hearing | Usually included | Not included |
| Prescription drug coverage | Usually built in | Add a Part D plan |
| Predictable out-of-pocket | Yearly maximum | Very few bills |
Miss a window and you can face gaps or lifelong penalties. Here are the ones to know.
A 7-month window: the 3 months before your 65th birthday month, that month, and the 3 months after.
Anyone can join, switch or drop an Advantage or Part D plan. Changes start January 1.
Already in an Advantage plan? Switch to another Advantage plan or back to Original Medicare once.
Starts when you are 65 and enrolled in Part B. Guaranteed acceptance on any Supplement, no health questions.
No cost, no obligation, and never any pressure to switch.
Your doctors, your prescriptions, your budget. A couple of minutes on the phone or online.
Not a national list. The plans actually sold where you live, checked against your doctors and drugs.
She responds the same day with what she found. No pressure to enroll on the call.
One verified case, shared with the client's permission.
One client came to Julieann after losing Medicaid coverage, and her Low Income Subsidy (LIS, also called Extra Help) had lapsed with it. Julieann worked the case until the client's Medicaid was reinstated and her LIS was renewed, which dropped her prescription costs back down.
That kind of follow-through, not just a policy sale, is what her same-day response is built around.
Case detail shared with the client's permission. Name withheld for privacy.
No. Comparing Medicare Advantage and Supplement plans through Julieann costs nothing and carries no obligation to enroll. Licensed agents are paid by the insurance carrier, not by you.
The main window is the Annual Enrollment Period, October 15 through December 7, for coverage starting January 1. You may also qualify for a Special Enrollment Period if you are turning 65, losing other coverage, or moving.
Julieann checks provider networks against your actual doctors before recommending a plan. If none of the available plans keep your current doctor in-network, she will tell you that directly rather than sign you up anyway.
One short call, checked against your real doctors and prescriptions, with a same-day response.
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