Protect Your Health.
Protect Your Peace of Mind.
Understand Your Medicare Options and Choose With Confidence.
Medicare can be confusing. Bay Insurance’s licensed agents help you compare your options, understand the differences, and find coverage that fits your healthcare needs and budget.
MEDICARE ANNUAL ENROLLMENT PERIOD
OCTOBER 15 – DECEMBER 7
Two Medicare Paths. One Trusted Local Guide.
Choosing Medicare coverage starts with understanding that you have two options in addition to Original Medicare.
Original Medicare is the federal health insurance program that includes two main parts:
- Part A: Covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services.
- Part B: Covers outpatient services such as doctor visits, preventive screenings, lab tests, and medical equipment.
- Part D: A separate plan for prescription drug coverage is required.
Original Medicare is managed by the federal government and is generally available to individuals who meet eligibility criteria. It does not cover everything. Services like prescription drugs, dental, vision, or hearing care are not included and must be obtained separately through other programs.
*This page is for educational purposes only. No plan-specific advice is provided. Medicare benefits and eligibility vary. Please consult a licensed agent for personalized support.
Bay Insurance can help you compare Medicare, Medicare Advantage and Medicare Supplement options and understand the enrollment rules that apply to you. These plans work differently:
Medicare Advantage
Medicare Advantage is an alternative way to receive your Part A and Part B benefits through a private insurance company. Most plans include prescription drug coverage and may offer additional benefits, such as dental, vision, and hearing.
Your choice should reflect your healthcare needs, preferred doctors, medications, and budget.
Medicare Supplement
Medicare Supplement coverage works alongside Original Medicare and cannot be used to pay Medicare Advantage costs. Medicare Supplement also has its own enrollment protections; the annual Medicare Open Enrollment period does not automatically guarantee acceptance into a Supplement plan.
Whether you’re exploring Medicare for the first time or reviewing your current coverage, our team can help you make an informed decision.
You have choices when it comes to your Medicare coverage.
We’ll help you understand the differences so you can choose what’s right for you.
Let's Find the Right Medicare Coverage for You.
Get expert guidance from a local agent who puts your needs first.
How We Help You
Why Choose Bay Insurance?
Local. Experienced. Here For You.
- We simplify the complex. We explain your options in plain language.
- We look at the big picture. We consider your doctors, prescriptions, health needs, and budget.
- We compare more for you. We find plans that fit your needs—not just the lowest premium.
- We guide you every step of the way. From comparing to enrollment and beyond.
- We're local and here to help. Personal service and ongoing support—year-round.
Serving Florida Since 1985
400,000+
Clients Served
You don’t have to live near a Bay Office to work with a Bay agent.
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