Part A
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice and some home health services. Most people pay no premium if they worked 10+ years.
Independent Medicare guidance
Clear answers about your Medicare coverage
Desantis Group LLC is an independent Medicare agency. We explain how Parts A, B, C and D fit together, what each option really costs, and which enrollment window applies to you — in plain language, at your pace.
- 18+ yrs
- Serving Medicare beneficiaries
- 20+
- Carriers compared
- $0
- Cost for our guidance
Medicare basics
The four parts of Medicare
Original Medicare is Parts A and B. Private plans build on top of it. Knowing which part covers what is the fastest way to make sense of your options.
Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive screenings, lab work and durable medical equipment. Carries a standard monthly premium and annual deductible.
Part C
Medicare Advantage
A private all-in-one alternative that bundles Parts A and B, usually with drug coverage plus dental, vision, hearing and fitness extras inside a network.
Part D
Prescription Drugs
Standalone drug coverage with its own formulary and tiers. Delaying enrollment without other creditable coverage can trigger a lifelong late penalty.
Plan types
Three common ways people build coverage
There is no single best plan — only the plan that matches your doctors, your prescriptions and your budget. Here is how the main routes differ.
Medicare Advantage (HMO / PPO)
Best for: Lower monthly premiums with extra benefits
- One card for medical and usually drug coverage
- Annual out-of-pocket maximum protects you
- Provider networks and referral rules apply
- Often includes dental, vision and hearing
Medicare Supplement (Medigap)
Best for: Freedom to see any Medicare provider
- Pays the gaps Original Medicare leaves behind
- No networks — any doctor accepting Medicare
- Predictable costs when you travel
- Pair with a standalone Part D drug plan
Standalone Part D
Best for: Keeping Original Medicare plus drug coverage
- Formulary matched to your prescriptions
- Preferred pharmacy pricing options
- Avoids the Part D late enrollment penalty
- Reviewed each year as formularies change
How we can help
Personal support before and after you enroll
Medicare decisions are personal. Our advisors look beyond premiums to understand your health needs, preferred providers and the way you want to receive care.
Plan comparison
Compare available Medicare Advantage, Supplement and prescription drug plans around the care you actually use.
Prescription review
Check your medications, preferred pharmacy and estimated costs against each plan’s current formulary.
Enrollment support
Get help understanding deadlines, completing an application and knowing what to expect after enrollment.
Year-round guidance
Call a familiar advisor when benefits change, a claim is confusing or your health needs shift during the year.
Access to care
Coverage is only useful if your care is covered
Before anything is recommended, we check the details that actually affect your year:
Doctor and hospital check
Confirm your primary care physician, specialists and preferred hospital are in network.
Prescription review
Match every medication against the plan formulary, tier and pharmacy pricing.
Travel and snowbird needs
Understand how coverage behaves out of state or out of network.
Extra benefits
Compare dental, vision, hearing, OTC and fitness allowances honestly.
Enrollment windows
Timing decides what you are allowed to change
Medicare only lets you make certain changes at certain times. These are the windows that matter most.
- 1
Initial Enrollment Period
3 months before through 3 months after your 65th birthday month
Your first chance to enroll in Parts A, B, C and D without penalty.
- 2
Annual Enrollment Period
October 15 – December 7 each year
Switch, join or drop Advantage and Part D plans. Changes start January 1.
- 3
Medicare Advantage Open Enrollment
January 1 – March 31
Already in an Advantage plan? Make one change during this window.
- 4
Special Enrollment Period
Triggered by qualifying life events
Moving, losing employer coverage or plan termination can open a new window.
What it costs
Where Medicare costs come from
Medicare costs are made of premiums, deductibles, copays and coinsurance. Amounts are set annually by CMS and by each carrier, so we review current-year figures with you rather than quoting numbers that go stale.
Help paying for coverage
Programs such as Extra Help (Part D Low Income Subsidy), Medicare Savings Programs and state pharmaceutical assistance can reduce premiums and drug costs. We screen whether you may qualify.
- Part B standard premium
- Monthly, income-adjusted (IRMAA)
- Part A hospital deductible
- Per benefit period, not per year
- Advantage out-of-pocket max
- Annual cap set by each plan
- Medigap premium
- Varies by plan letter, age and ZIP
Who we are
An independent agency, not a call center
Desantis Group LLC is a licensed independent Medicare agency. Because we are contracted with many carriers, our job is to explain trade-offs rather than push a single product. You work with a named advisor who is still there next year when your plan needs review.
Licensed advisors
State-licensed and annually AHIP certified.
Education first
Plain-language explanations before any application.
Privacy respected
Your information is never sold to lead buyers.
Annual reviews
We revisit your plan every year at no charge.
A real person, every step of the way
Clear guidance built around your life and care.
Your path forward
From first question to confident coverage
- 01
Share what matters
Tell us about your doctors, prescriptions, budget, travel and any benefits you want to keep.
- 02
Review your choices
We explain the practical differences between suitable options without pressure or confusing jargon.
- 03
Enroll with confidence
Your advisor helps with the application and remains available when you need support later.
Resources
Questions we answer every day
Do I have to pay you for help choosing a plan?
No. Our guidance is free to you. Licensed agents are compensated by the insurance carrier when you enroll, and that compensation does not change your premium.
Can I keep my own doctors?
With a Medicare Supplement you can see any provider who accepts Medicare. With Medicare Advantage, we check your doctors and hospitals against the plan network before you enroll.
What happens if I miss my enrollment window?
You may face permanent late penalties on Part B and Part D, and you may have to wait for the next Annual Enrollment Period. We help identify whether a Special Enrollment Period applies.
Should I review my plan every year?
Yes. Formularies, provider networks, premiums and extra benefits change annually. A yearly review makes sure the plan you chose still matches the care you use.
Do you represent one insurance company?
We are independent and contracted with multiple national and regional carriers, so we can compare options side by side instead of defending a single product.
For official program rules, visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
Contact
Talk to a licensed advisor
Call, email or write to us with a question about your coverage. There is never a charge for a conversation and never an obligation to enroll.
- +1 (631) 875-0238Mon–Fri, 9am–6pm ET
- support@desantisgroupllc.org
- Serving beneficiaries nationwide