Turning 65 in Florida? Get clear Medicare answers — without the pressure.
I'm Matt Rolph, an independent, Florida-licensed Medicare broker. I explain your options in plain English, help you compare plans available in your area, and make enrolling simple — at no cost to you.
- Florida-licensed
- Independent broker
- Free help, no obligation
Medicare help in three simple steps
We talk
A free 15-minute call about your doctors, prescriptions, budget, and timeline. No forms, no commitment.
We compare
I research plans available in your county from the carriers I represent and walk you through the trade-offs in plain English.
You decide
When you're ready, I handle the enrollment paperwork — and I stay your point of contact all year, at no charge.
Your main Medicare choices, explained simply
Most people turning 65 choose between two paths — and make sure their prescriptions are covered. Here's the short version.
Medicare Advantage
All-in-one plans from private insurers (Part C). Many include drug coverage plus dental, vision, or hearing extras, often with low monthly premiums. You generally use the plan's network of doctors.
Learn about Advantage plansMedicare Supplement (Medigap)
Works alongside Original Medicare to help pay deductibles and coinsurance. See any doctor in the U.S. who accepts Medicare, in exchange for a monthly premium.
Learn about MedigapPart D drug plans
Standalone prescription drug coverage that pairs with Original Medicare or a Medigap plan. Every plan covers different medications — I check yours one by one.
Learn about Part D
Independent means I work for you — not for an insurance company
I'm not employed by any carrier. I compare plans from the insurance companies I'm contracted with and tell you honestly how they stack up for your situation. And my help is free: carriers pay me, and your premium is exactly the same either way.
Common Medicare questions
Does it cost anything to work with a Medicare broker?
No. My help is free, with no obligation. If you enroll in a plan through me, the insurance carrier pays me a commission — and your monthly premium is exactly the same as if you had enrolled on your own. Here's exactly how that works.
What's the difference between Medicare Advantage and a Medicare Supplement?
A Medicare Advantage plan bundles your coverage into one plan from a private insurer, usually with a provider network and often with drug coverage included. A Medicare Supplement (Medigap) plan works alongside Original Medicare, helps pay your share of costs, and lets you see any doctor in the U.S. who accepts Medicare.
Which fits better depends on your doctors, prescriptions, budget, and travel plans. See the plain-English comparison.
When can I first enroll in Medicare?
Your Initial Enrollment Period is a seven-month window: the three months before the month you turn 65, your birthday month, and the three months after. If you or your spouse are still working and have employer coverage, different rules may apply — it's worth a quick conversation.
Turning 65 soon? Read the Turning 65 in Florida guide.
Do we have to meet in person?
No. I work with clients across all of Florida by phone and video. Everything — comparing plans, reviewing paperwork, enrolling — can be done from your kitchen table.
Are you affiliated with Medicare or the government?
No. For 65 Insurance is an independent insurance brokerage and is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, or any government agency. For official information, visit Medicare.gov or call 1-800-MEDICARE.
Turning 65 soon? Start with the Turning 65 in Florida guide — enrollment windows, deadlines, and free resources.