The Golden Years

Turning 65 brings a new chapter of freedom, and a mailbox full of confusing insurance flyers. We help cut through the noise to find a healthcare plan that fits your retirement style.

Start a Medicare Quote
An elderly couple sits on a wooden bench on a pier, watching the ocean and the beach at sunset.

You Don’t Need More Brochures. You Need a Translator.

If you are approaching your 65th birthday, you know the drill: Your phone won't stop ringing, and your mailbox is overflowing with ads promising "Free Groceries" and "$0 Premiums."

Here is the truth: There is no "best" plan. There is only the plan that covers your specific doctors and your specific medications.

At Novel Insurance, we respect your intelligence. We explain the difference between Original Medicare, Supplements, and Advantage Plans in plain English, so you can make a decision based on facts, not a sales pitch.

Our Coverage Menu

  • Also called Medigap. You pay a higher monthly premium, but you have almost zero costs when you see a doctor.

    • The Network: None. You can see any doctor in the USA who accepts Medicare. No referrals needed.

    • The Cost: Predictable. You pay your premium, and the plan pays the bills.

    • Best For: Snowbirds who travel, and those who want total freedom of choice.

      Note: A Medicare Part D Plan (Prescription Drug Coverage) needs to be purchased in addition to a Medicare Supplement. Medicare Supplement Plans on their own to not cover Part D benefits.

  • Also called Part C. You often pay a $0 monthly premium, but you pay "copays" when you receive care.

    • The Network: Local HMOs and PPOs. You usually need to stay within the network (e.g., BayCare or AdventHealth) to get the best price.

    • The Extras: Often includes Dental, Vision, Hearing, and Gym memberships (which Original Medicare does not cover).

    • Best For: Healthy seniors who want all-in-one coverage and extra perks.

    • Bundled Prescription Drug Coverage: Most Medicare Advantage plans bundle your Prescription Drug Coverage (MAPD)

  • The Medicine Cabinet. Original Medicare does not cover pharmacy prescriptions. You must buy a separate Part D plan.

    • Warning: If you don't sign up for this when you are first eligible, the government charges you a "Late Enrollment Penalty" for the rest of your life.

How We Review Your Policy

We look for the traps that generic call centers often miss:

  • The "Trial Right": Did you know you can try a Medicare Advantage plan for 12 months, and if you are dissatisfied, you can switch back to a Supplement with no health questions? We manage this timeline for you.

  • The "Donut Hole": We run your medication list through the 2026 formularies to predict if (and when) you will hit the "Coverage Gap," so you can budget accordingly.

  • Network Alignment: In Tampa, many plans exclude Moffitt Cancer Center or specific hospital systems. We check your plan's fine print to ensure your preferred hospital is In-Network.

Frequently Asked Questions

Still have questions? Take a look at the FAQ or contact us anytime.

Contact Us

  • A: Maybe not. If your employer has more than 20 employees and your health insurance is "creditable," you can likely delay Medicare Part B (and the premium) until you retire. We can review your work benefits to see if delaying saves you money.

  • A: Part A (Hospital) is usually free if you worked 10 years. Part B (Medical) has a monthly premium (set by the government each year) that comes out of your Social Security check. Even with a "$0 Premium" Advantage plan, you still pay the government for Part B.

  • A: Yes, but only at specific times. The Annual Election Period (AEP) runs from October 15 to December 7 every year. This is when you can change your Advantage or Drug plan for the coming year.

  • A: No. Medicare only covers "skilled nursing" (rehab) for a short time after a hospital stay. It does not cover long-term custodial care. For that, you need Long-Term Care Insurance.

  • A: If you are a high earner (based on your tax return from 2 years ago), the government charges you an extra surcharge on your Part B and Part D premiums. We can help you appeal this if your income has dropped recently (due to retirement).

  • A: Original Medicare does NOT cover dental or vision. Medicare Advantage plans often DO include these benefits. If you choose a Supplement (Medigap), you will need to buy a separate Dental/Vision policy.

Book a Policy Review