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65 & Older
Medicare is a federal health insurance program for those 65 or older and some with disabilities.
Insurance 101
What Is Medicare?
Medicare, a federal health insurance program in the United States, provides coverage for individuals 65 years or older and younger people with disabilities. The program is designed to cover the cost of various healthcare services, including hospital stays, doctor visits, prescription drugs, and more.
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Medicare Options
Traditional Medicare
Affordable health insurance options through the government's Marketplace, different levels of coverage and enrollment periods.
Medicare Advantage
Affordable health insurance options through the government's Marketplace, different levels of coverage and enrollment periods.
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Medicare Supplements
Short-term health insurance offers temporary coverage with lower premiums but limited benefits.
Medicare Prescription Drug Plans
Short-term health insurance offers temporary coverage with lower premiums but limited benefits.
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We Are Here To Help
New To Medicare?
If you are just approaching 65, we are here to help you understand the ABCs of Medicare. We know it can be confusing. Allow us to share how Medicare Supplements, Advantage Plans, and Prescription Drugs plans work. We will confirm that your doctors and medication are covered with the plans we present. We will also provide you with an estimate of prescription costs for each plan we share. We love working with beneficiaries and pride ourselves in making the transition easy.
We Are Here To Help
Already have Medicare?
If you are already in Medicare, we can be a valuable resource. It is recommended that you review your Medicare Advantage and Prescription Drug Plan annually to ensure how the changes will affect your plan for the new year. We are happy to review your plan and provide you with options for the new year. There is never pressure to change and our services are complimentary.
Insurance 101
OPTIONAL
How Does It Work?
Health insurance is a type of insurance that covers the cost of medical and surgical expenses incurred by the insured. It works by the insured paying a monthly premium to the insurance company, who then covers a portion of the cost of medical care when needed. The amount of coverage and the cost of the premium depend on the specific plan chosen by the insured.
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Avail Makes It Easier
OPTIONAL
How Can We Help?
At Avail our goal is to educate and guide you through your insurance decisions. We strive to have quality and competitive products available to meet your needs. A healthcare advisor will be assigned to you to guide you through the options for your business or family.
We stay by your side as your trusted advisor each year. We treat our clients like extended family because that's how we like to be treated.
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Commonly Asked Questions
Find answers to generally asked questions
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What is a PCP?A PCP is a primary care physician that you see to maintain your health. By seeing a PCP regularly you can maintain better health and lower your healthcare costs.
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What is maximum out of pocket?The maximum out of pocket is the cap that you have to pay in covered health services before the plan pays 100% of covered services for the year.
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What is a deductible?A deductible is the amount that you pay for covered health services before the plan starts to pay.
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What is co-insurance?A percentage that you pay for covered health services after your deductible has been met.
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What is a co-pay?A fixed amount you pay for covered health services after your deductible has been met.
Call Us To Speak To An Agent Today
We are here to help you understand how the plans work, so feel free to ask us as many questions as you like. There is never a fee for our services.
(813) 450-8084
This page should only be used for general information when it comes to Medicare offered through the United States government. Avail only represents Medicare Advantage, Supplements, and Prescription Drug Plans. For information on traditional state plans please refer to www.medicare.gov or call 1–800 MEDICARE to get information on all of your options.
Not affiliated with the U.S. government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800 MEDICARE to get information on all of your options.
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