🇺🇸 CMS Certified Agents · Free Consultation · English & Spanish · Florida & Texas
WhatsAppAt Marseguros USA we help people 65 or older and families who support their parents understand their Medicare options clearly and in Spanish.
Plan availability and benefits may vary by county, age, eligibility and insurer.
Your Medicare coverage
Medicare is a federal health insurance program, mainly for people 65 or older. It may also apply to some people under 65 who have certain qualifying health conditions or disabilities.
Medicare is divided into different parts, and there are additional options offered by private insurers that can help you complement your coverage. At Marseguros USA we explain each option in Spanish, calmly and without jargon.
Medicare or Obamacare? Obamacare (ACA) is aimed mainly at people under 65. If you're approaching 65 and currently have a Marketplace plan, we guide you on how the transition to Medicare works. See Obamacare
We explain each part in a simple way so you understand what each one covers. Tap a part to see the details.
Helps cover hospital stays, skilled nursing care, hospice and some home health care.
What it usually includes
Good to know: Many people don't pay a premium for Part A if they or their spouse worked and paid Medicare taxes long enough.
Covers doctor visits, outpatient care, some preventive services and necessary medical equipment.
What it usually includes
Good to know: Part B normally has a monthly premium. Together with Part A it forms what is known as Original Medicare.
Plans offered by private insurers approved by Medicare that combine Parts A and B, and often include additional benefits such as dental or vision.
What it usually includes
Good to know: They usually work with a network of doctors and hospitals. Benefits, networks and costs vary by plan and county.
Helps cover the cost of prescription drugs, either separately or included within a Medicare Advantage plan.
What it usually includes
Good to know: If you don't enroll when you're eligible and have no other creditable coverage, a late enrollment penalty may apply.
They can help with certain costs that Original Medicare doesn't cover, such as copays, deductibles or coinsurance, depending on the plan.
What it usually includes
Good to know: Medigap supplements cannot be used together with Medicare Advantage and do not include prescription drugs.
There are two main paths to receive your Medicare benefits. Here's how they differ, in simple words.
Federal government Part A + Part B
Part C: a plan from a private insurer approved by Medicare
Everything in one plan · Part C
There is no single best option for everyone. Depends on your doctors, medications, budget and the county where you live.
We support older adults and their families at different stages. Choose your situation.
If you are approaching 65, it's a good time to start understanding your Medicare options calmly.
Medicare has defined enrollment periods. Knowing them ahead of time avoids setbacks.
It begins 3 months before the month you turn 65, includes that month and ends 3 months after. It's your first opportunity to enroll in Medicare.
You can switch Medicare Advantage or Part D plans, or move between Original Medicare and Medicare Advantage.
If you already have Medicare Advantage, you can switch to another Advantage plan or return to Original Medicare.
A move, the loss of other coverage or other qualifying situations can open a special period.
Dates and rules may change and depend on your situation. Review your case with an advisor to learn which dates may apply to you.
Knowing these mistakes before deciding helps you choose with more confidence.
It's important to verify that your preferred doctors and hospitals are within the network of the plan you're considering.
Confirm the plan's network before enrolling.
Each plan has its own list of covered medications. Not checking this list can lead to unexpected costs.
Compare each plan's list with your current prescriptions.
An inexpensive plan doesn't always cover what you need. It's important to review benefits, networks and medications, not just the cost.
Look at the total cost: premium, deductibles and copays.
Some plans include additional benefits such as dental, vision or hearing. It's worth understanding what each option includes.
Ask what each plan includes before deciding.
There are enrollment periods that may apply depending on your situation. Reviewing your dates ahead of time avoids setbacks.
Note your key dates and review your plan every year.
Marcela Colorado
Insurance advisor · Marseguros USA
Our process is designed for older adults and their families: calm, in Spanish and without pressure.
We talk with you or your family to understand your current situation and health needs.
We consider your doctors, medications and budget before talking about options.
We explain clearly and without jargon the options that could apply to your case.
You make the final decision, with clear information and human support at every step.
Clear answers to the most common questions from our clients and their families.
Free advice
Your question isn't here?
Write or call us. We answer in Spanish, calmly and with no commitment.
No. Medicare is a federal health program mainly for people 65 or older and some people under 65 with certain qualifying conditions. Obamacare (ACA / Marketplace) is aimed mainly at people under 65 who are looking for private health insurance.
Talk to a CMS-certified advisor in Spanish. We explain your options calmly, with no pressure and at no cost. Main service in Florida and Texas.
Or send your details and we'll contact youYou may also be interested in:
