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filler@godaddy.com
Please reach us at 475-306-1630 if you cannot find an answer to your question.
The right plan depends on your:
• Current health
• Budget
• Preferred doctors
• Prescription needs
• Comfort with monthly premiums vs. copays
We compare your options side-by-side and explain everything clearly before you make a decision.
You may face:
• Lifetime late enrollment penalties
• Delayed coverage
• Higher monthly premiums
That’s why it’s important to review your timeline early — especially if you’re turning 65.
Yes, but only during certain enrollment periods:
• Annual Enrollment Period (Oct 15 – Dec 7)
• Medicare Advantage Open Enrollment (Jan 1 – Mar 31)
We provide annual plan reviews to make sure your coverage still fits your needs.
It depends.
If you have employer coverage, you may be able to delay Part B without penalty — but this varies based on employer size and coverage type.
We help you avoid costly mistakes.
No. Medicare does not typically cover long-term nursing home care or extended custodial care.
That’s why additional planning may be important depending on your situation.
Medicare Advantage (Part C) combines hospital and medical coverage into one plan and may include extra benefits like dental or vision.
Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs like deductibles and coinsurance.
We explain the pros and cons of both based on your situation.
Please reach us at info@florenceinsuranceagency.com you cannot find an answer to your question.
Final Expense Insurance is a type of life insurance designed to help cover:
• Funeral costs
• Burial or cremation expenses
• Medical bills
• Small debts
It protects your family from financial burden during a difficult time.
Funeral expenses can range from $8,000 to $15,000 or more, depending on location and services selected.
Planning ahead prevents unexpected stress for your loved ones.
Most final expense plans do not require a medical exam. Approval is often based on health questions.
Many people choose coverage between $10,000 and $25,000 depending on:
• Funeral preferences
• Existing savings
• Outstanding debts
We help you determine what makes sense for your family.
Yes. There is no cost to review your Medicare or final expense options.
We are compensated by insurance carriers if you enroll — not by you.
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