Medicare & so much more! 
 You have probaby received a pile of mail and still not sure what to do.  That is exactly why Dennis Richards is here.  As a licsened Medicare specialist serving Palm Beach Countty for over a decade, Dennis takes time to explain your options in plain language so you can chooose with confidence and with  no pressure. 

Medicare is not one plan. It is a set of choices, and the right combination depends on your 
health, your budget, your doctors, and how you live your life. Here is a plain-language overview 
of how it works: Original Medicare (Parts A and B) is provided by the federal government and 
covers hospital care and most doctor visits. It is a solid foundation, but it leaves gaps, including 
no prescription drug coverage and no cap on what you could owe in a year. Medicare 
Supplement plans (also called Medigap) work alongside Original Medicare to cover those gaps. 
Plans are standardized, meaning a Plan G from one company covers the same things as a Plan 
G from any other. The difference is the price and the company behind it.

 

Medicare Advantage (Part C) is an alternative to Original Medicare offered through private insurance companies. 
These plans often include prescription drug coverage and may offer dental, vision, and hearing 
benefits. They typically have lower premiums but may limit which doctors and facilities you can 
use. Part D covers prescription drugs and can be added to Original Medicare or a Supplement 
plan. Not sure which path makes sense for you? That is exactly what a free consultation with 
Dennis is for.