Original Medicare is health care insurance provided through the federal government. It is sometimes called “traditional” Medicare.

Original Medicare consist of 2 parts:

Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Once you have Medicare A and B you can choose to enroll in another policy to help cover some or most of the out of pocket cost left by Original Medicare.

These optional policies come in the following variations:

• Original Medicare Only (No Rx coverage and No Maximum to exposure or out of pocket costs)
• Original Medicare + Medicare Part D (Rx coverage only)
• Original Medicare + Medicare Part D + Medicare Supplement (covers some or most of what is left over by Medicare)
• Medicare Advantage Plan (Rx, Hospital and Medical coverage; copays and coinsurances based on services used) These plans generally allow you to combine ALL of your Medicare benefits into one plan. These plans can have a premium starting at $0 monthly in some markets.

Learn More About:

Medicare Supplement (Plan G)

Medicare Advantage (Part C)

Medicare Part D (Rx)

Medicare Eligibility

Frequently Asked Questions

Have questions about Medicare? Here are answers to the most common questions we hear from Orlando and Central Florida residents.

What is the difference between Original Medicare and Medicare Advantage?

Original Medicare is health coverage provided directly by the federal government and made up of Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage, also called Part C, is an alternative way to get your Medicare benefits through a private insurance company approved by Medicare, often bundling in prescription drug coverage and extra benefits like dental or vision, with plans that can start as low as $0 per month in some markets.

What does Medicare Part A cover?

Medicare Part A is hospital insurance that covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most people don’t pay a monthly premium for Part A if they or a spouse paid Medicare taxes while working.

What does Medicare Part B cover?

Medicare Part B is medical insurance that covers doctors’ visits, outpatient care, medical supplies, and preventive services such as screenings and vaccines. Part B carries a monthly premium and, together with Part A, makes up Original Medicare.

What is a Medicare Supplement (Medigap) plan?

A Medicare Supplement plan, also known as Medigap, is a private insurance policy that helps pay the out-of-pocket costs left over by Original Medicare, such as copayments, coinsurance, and deductibles. Learn more about Medicare Supplement Plan G.

What does Medicare Part D cover?

Medicare Part D is optional prescription drug coverage offered through private insurers that are approved by Medicare. It can be added to Original Medicare or, in many cases, is already built into a Medicare Advantage plan. Learn more about Medicare Part D (Rx).

When can I enroll in Medicare?

Medicare enrollment happens during specific windows: your Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period each fall (October 15 – December 7) for making changes, and Special Enrollment Periods triggered by qualifying life events. See full Medicare eligibility details to find out which window applies to you.

Does it cost anything to work with a Medicare insurance broker in Orlando?

Working with an independent Medicare broker like Insurep typically costs the consumer nothing, since licensed brokers are compensated directly by the insurance carriers, not by their clients. This means you can get personalized, unbiased guidance comparing plans from multiple carriers at no added cost.

How do I find a local Medicare broker near me in Central Florida?

Insurep is an independent Medicare insurance brokerage based in the Orlando area, serving Medicare-eligible residents throughout Central Florida with in-person and phone consultations. Because Insurep is independent rather than tied to one carrier, clients get side-by-side plan comparisons instead of a single company’s offerings.