Medicare Plan Guidance.
Personalized Medicare plan guidance built around your doctors, prescriptions, healthcare needs, and budget. As an independent licensed broker, Mark helps you compare your options and choose coverage with confidence.
01
One-on-One Consultation
Personal appointment, in person or remotely.
02
Doctor Network Review
Providers verified before recommendations.
03
Prescription and Formulary Review
Your medications compared across available plans.
04
Medicare Plan Comparison
Advantage vs. Supplement vs. Original Medicare
01
One-on-One Consultations
Personal Appointments Built Around Your Situation.
Every consultation is personalized, unhurried, and completely free. As an independent licensed broker, Mark takes time to understand your healthcare needs, answer your questions, and recommend coverage based on what fits your situation.
1
Pre-Appointment Preparation
Mark sends a simple checklist that includes your current doctors and medications. That’s all you’ll need before your consultation.
2
Needs and Situation Review
Mark opens by understanding your health situation, coverage history, budget, and priorities. This typically takes 20 to 30 minutes.
3
Live Plan Comparison
Mark pulls every available plan in your county and filters by your doctors, drug list, and budget. You see the comparison live, together.
4
Questions and Decision Time
Mark answers your questions until you are fully comfortable. There is zero pressure to decide or enroll during the appointment.
5
Enrollment When You Are Ready
What Makes Mark's Consultations Different
- Independent licensed broker with recommendations based on your needs, not one insurance company.
- Appointments available in person throughout Florida or remotely in all licensed states.
- Reviews your doctors, prescriptions, healthcare needs, and budget before recommending a plan.
- Explains your options clearly so you can make an informed decision without pressure.
- Ongoing guidance and annual coverage reviews whenever your Medicare needs change.
Appointment Formats Available
In-Person
Meet at your home or another convenient location in Florida.
Video Call
Secure virtual appointments available in all licensed states.
Phone Call
A convenient option for reviewing plans and answering questions.
02
Doctor Network Review
Every Doctor Verified Before Any Plan Is Recommended.
Many online directories aren’t always up to date. Rather than relying on a website alone, Mark reviews your doctor list to help confirm you’re choosing a plan that fits your healthcare needs.
If keeping your current doctors is a priority, verifying your provider network before enrolling can help prevent costly surprises later.
“I’ve worked with people who enrolled online only to discover their doctor wasn’t covered. That’s why I verify providers before recommending any plan.“
Mark Holmes, Founder
- Primary care physicians reviewed before enrollment
- Specialists verified for plan participation
- Preferred hospitals and medical groups checked
- Provider network compared across available plans
- Annual network review during Open Enrollment
What Mark Reviews For Every Provider
Current in-network participation using the plan’s latest provider information.
Whether the provider is accepting new Medicare patients at the time of enrollment.
Network changes before enrollment to help avoid unexpected surprises later.
Provider Networks Can Change Every Year
Even if you’re happy with your current coverage, provider networks can change from year to year. Reviewing your doctors before Annual Enrollment helps ensure your plan still fits your needs.
03
Prescription and Formulary Review
Your Medications Analyzed Across Every Available Plan.
The same prescription can cost very different amounts depending on the plan you choose. Mark compares your complete medication list across available plans, reviewing formularies, drug tiers, prior authorization requirements, and estimated costs.
Formularies can change every year. A medication covered at a lower cost this year could move to a different tier next year, increasing your out-of-pocket expenses. Reviewing your prescriptions before enrolling helps avoid unexpected costs.
Mark reviews available prescription drug coverage based on your ZIP code and medication list, helping you compare plans that best fit your prescriptions and budget.
DRUG TIER REFERENCE
Tier 1, Preferred Generic
$0 to $5 per month
Tier 2, Generic
$5 to $15 per month
Tier 3, Preferred Brand
$35 to $75 per month
Tier 4, Non-Preferred Brand
$75 to $200+ per month
Tier 5, Specialty Drug
25 to 33% coinsurance
What Mark Reviews for Every Medication
- Drug tier placement across every plan being considered to compare your expected prescription costs.
- Prior authorization requirements that could affect when your medication is covered.
- Step therapy rules that require trying a less expensive drug before covering your prescribed medication.
- Quantity limits that could impact how much medication your plan covers at one time.
- Estimated annual prescription costs so you can compare the true cost of each plan.
- Annual formulary changes that may affect your medications after enrollment.
Tip: Bring a Pharmacy Printout
Your pharmacy can print a complete medication list with drug names, dosages, and frequencies. This is the easiest way to prepare for your consultation with Mark. If you do not have it, Mark will help you build the list during the appointment.
04
Medicare Coverage Comparisons
Advantage vs Supplement vs Original Medicare.
Medicare Advantage combines your Medicare benefits into one private plan, while Medicare Supplement works alongside Original Medicare to help cover out-of-pocket costs. Each option offers different benefits depending on your healthcare needs, doctors, prescriptions, and budget.
As an independent licensed Medicare broker, Mark compares every appropriate option without favoring one plan type over another. His recommendations are based on what best fits your individual situation, not a one-size-fits-all approach.
| Feature | Original Medicare | Medicare Advantage | Medigap + Part D |
|---|---|---|---|
| Monthly Premium | Part B premium | Often $0 to $60 | Part B + plan premiums |
| Out-of-Pocket Maximum | No annual limit | Annual maximum included | More predictable costs |
| Network Restrictions | No network required | HMO or PPO network | No network required |
| Drug Coverage | Separate Part D needed | Usually included | Included through Part D |
| Dental and Vision | Not included | Often included | Not included |
| Nationwide Coverage | Yes | Network dependent | Yes |
| Best For | Basic Medicare coverage | Low premium, extra benefits | Predictable costs and Provider Choice |
Feature
Original Medicare
Medicare Advantage
Medigap + Part D
Monthly Premium
$185 (Part B)
Often $0 to $60
$185 + $80 to $200+
Out-of-Pocket Maximum
No cap
Yes, annual cap
Yes, predictable
Network Restrictions
None required
Yes, HMO or PPO
None required
Drug Coverage
Not included
Yes, usually included
Requires Part D
Dental and Vision
Not included
Yes, often included
Not included
Nationwide Coverage
Yes
Network dependent
Yes
Medicare Advantage
Lower monthly premiums with many plans including prescription drug coverage and extra benefits like dental, vision, and hearing. Best for people comfortable using provider networks.
Medicare Supplement
Helps cover many out-of-pocket costs while giving you the freedom to see any provider nationwide who accepts Medicare. Often preferred by frequent travelers.
Original Medicare
The foundation of Medicare coverage, including Part A and Part B. Many beneficiaries add either a Medicare Supplement with Part D or a Medicare Advantage plan.
Common Medicare Situations
You Do Not Have to Figure This Out Alone.
Whether you’re enrolling for the first time or reviewing your current coverage, Mark provides personalized Medicare guidance based on your doctors, prescriptions, healthcare needs, and budget.
New to Medicare at 65
Approaching Medicare for the first time? Mark explains your options, compares plans, and helps you enroll with confidence before your Initial Enrollment Period ends.
Annual Enrollment Period Review
Already enrolled? Mark reviews your current coverage each Annual Enrollment Period to determine whether another plan may better fit your needs for the coming year.
Clients with Specific Medications
Prescription costs can vary between plans. Mark compares your medication list across available options to help identify coverage that fits your prescriptions and budget.
Clients with Specific Doctors
Keeping your current doctors is important. Mark reviews provider networks before recommending a plan so you understand which coverage options fit your healthcare team.
Common Questions
Plan Guidance, Answered.
How long does a plan guidance appointment take?
Most appointments last 45 to 90 minutes, depending on your situation and the questions you have. Mark takes the time to explain your options so you never feel rushed.
Do I need to prepare anything in advance?
A list of your current doctors and prescription medications is helpful. If you don’t have everything ready, that’s okay. Mark will help gather the information needed during your consultation.
Can my spouse or family member join the appointment?
What if none of the plans cover all my doctors?
Is this service really free?
Yes. Mark is compensated by carriers when clients enroll in plans. You pay nothing directly to Mark, ever. The guidance is free regardless of whether you ultimately enroll.
What happens if my situation changes after I enroll?
READY TO FIND THE RIGHT PLAN?
Your Medicare Plan Review Starts Here
Receive personalized Medicare guidance based on your doctors, prescriptions, healthcare needs, and budget. Your consultation is free, one-on-one, and never rushed.