Medicare

A clearer path to Medicare benefits.

Medicare can feel complex. St Florence Financial Group helps you understand the parts of Medicare, compare coverage options, and move forward with confidence.

Request Medicare guidance

Medicare guidance

Understanding Medicare starts with the basics.

Most Americans age 65 or older, or people under 65 with a permanent disability for more than two years, may qualify for Medicare. This federal program is divided into four parts: A, B, C, and D. We help you understand how they can work together for your needs.

The four parts of Medicare

Part A: Hospital services

Part A generally covers 80% of hospital services. Individuals typically qualify after contributing Medicare taxes for at least 10 years.

Part B: Medical services

Part B generally covers 80% of medical services, including primary care and specialist visits. Beneficiaries typically pay a monthly premium deducted from their Social Security benefit.

Part D: Prescription drug coverage

Part D is privately administered prescription drug coverage. Plans commonly include a monthly premium, deductible, and medication copayments; delaying enrollment may result in a late-enrollment penalty.

Part C: Medicare Advantage

Medicare Advantage plans can help address costs not covered by Parts A and B, while offering additional benefits through private insurance carriers.

Medicare Advantage

Additional benefits may be available.

Everyday health support

Depending on the plan, benefits may include dental, vision, hearing, over-the-counter allowances, and gym memberships.

Financial support options

Some plans may offer assistance for groceries, utility bills, gas, or a Part B premium giveback. Availability and amounts vary by plan and location.

Special needs plans

Dual-eligible Special Needs Plans may offer $0 copayments for qualifying beneficiaries with Medicare and Medicaid. Institutional Special Needs Plans may support eligible assisted-living residents.

Low-cost plan options

Many Medicare Advantage plans may have $0 or low monthly premiums, deductibles, or copayments for covered medical services.

Carrier options

Guidance across multiple Medicare Advantage carriers.

As state-licensed insurance brokers, we are certified to offer Medicare benefits through multiple carriers. Availability varies by county, plan, and eligibility.

Amerigroup
Horizon BCBS & Braven Health
UnitedHealthcare / AARP
Wellcare
Clover
Humana
Aetna
And others

Extra Help programs

Support beyond your Medicare plan.

Medicaid and MLTSS

Medicaid and Managed Long Term Services and Supports may help qualifying beneficiaries access home health services and adult medical day care based on income or health needs.

SLMB

The Specified Low-Income Medicare Beneficiary program may help eligible beneficiaries pay their Part B premium. State reimbursement and benefit amounts vary by eligibility and program rules.

Low Income Subsidy, PAAD & Senior Gold

These pharmaceutical assistance programs may help eligible applicants with medication copayments, premiums, and prescription-related deductibles.

How we help

Guidance for every stage of your Medicare journey.

Start with your needs

Share what matters most to you, from doctors and prescriptions to your budget and timing.

Review your choices

We help you understand the Medicare coverage paths and assistance programs that may be available to you.

Choose with confidence

Move forward with a clearer understanding of your next step and ongoing support when you need it.

Medicare quote

Ready to talk through Medicare?

Request a conversation about Medicare coverage options, carrier availability, and potential assistance programs.

Clear guidance, no pressure.