Medicare


Contact Info:

Michael Gildar
6831 Wagon Wheel Circle
Sarasota, FL 34243
(941) 404-5334
By calling this number, I understand I will be directed to a licensed insurance sales agent.


Explaining" & Enrolling you in Medicare Insurance Plans 

With "Personalized Service" from a "Real Live Person!"
(At No Additional Cost)

Please take a few seconds to read what my actual clients have to
say about my personalized service in their own words by
clicking this link. 
Insurance Agent's Reviews 

Note: I graduated as an elementary teacher and my clients tell me that I explain Medicare very well. Medicare Insurance information can be overwhelming and confusing to many people. As an independent licensed agent I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a plan that you feel fits your needs.

By the way, it doesn’t cost you any more if you enroll in a Medicare Insurance plan through me as an independent agent versus directly with an insurance company, since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent as well as choices between different insurance companies. If you would like my assistance, please call me at 941-404-5334.


Medicare is the US Federal Government Health Insurance Program for:

·       People 65 years of age and older.
·       Some people with certain disabilities under age 65.
·       People of any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).


Medicare has four parts:

Part A (Hospital Insurance)

Part B (Medical Insurance)

Part C (Medicare Advantage Plans)

Part D (Prescription Drug Coverage)


Part A (Hospital Insurance)

Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facility, hospice, and home health care. 

*Most people don’t pay a Part A premium because they paid Medicare taxes while working. This is called "premium-free Part A."

    *If you aren't eligible for premium-free Part A, you may be able to buy Part A if you meet one of these conditions:

  • You're 65 or older, and you have (or are enrolling in) Part B, and you meet the citizenship or residency requirements.
  • You're under 65, disabled, and your premium-free Part A coverage ended because you returned to work. (If you’re under 65 and disabled, you can continue to get premium-free Part A for up to 8.5 years after you return to work.)


For more details on Part A, click on this link


Part B (Medical Insurance)

Part B helps cover medically-necessary services like doctors' services, outpatient care, durable medical equipment, home health services, and other medical services. Part B also covers some preventive services. Check your Medicare card to find out if you have Part B. Most people pay a monthly standard premium for Part B. Social Security will contact some people who have to pay more depending on their income. If you don't sign up for Part B when you're first eligible, you may have to pay a late enrollment penalty.

For more details on Part B, click on this link 


Part C (Medicare Advantage Plans)

Medicare Advantage plans are offered by private insurance companies as an alternative to Original Medicare; plans are government subsidized and regulated. A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare.

If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

For more details on Medicare Advantage plans, click on this link 

To learn more about costs for Medicare Advantage Plans, click on this link


Part D (Prescription Drug Coverage)

Part D Plans are offered by private companies to provide coverage for prescription drug costs; plans are government subsidized and regulated.

Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty.

To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

For more details on Part D, click on this link 

Source: www.medicare.gov


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Medicare Supplement Plans

A Medicare supplement (Medigap) insurance policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

For more details on Medicare Supplements (Medigap) click here.


Source: www.medicare.gov

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Medicare Costs

Medicare Costs At A Glance, click this link.


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Please Note: If you are about to turn 65 in the next several months, please contact me well in advance before you enroll in any Medicare Advantage plan or Medicare Supplement plan to help assist you in choosing the plan that best suits your needs and budget.

Also if you are already enrolled in a Medicare Advantage Plan or Prescription Drug plan and would like to switch plans, contact me during the Annual Enrollment Period, also known as Medicare Open Enrollment Period, which occurs one time per year, usually starting on October 15th and going through December 7th. Note there are special election periods for those that qualify. To find out more contact me or go to the Medicare.gov website directly.

Call (941) 404-5334 to contact Michael Gildar
Note: By calling this number, I understand I will be directed to a licensed insurance sales agent.

Quotes and Explaining Medicare Insurance Plans 

With "Personalized Service" From A Real Live Person
(At No Additional Cost)

Click here and take a few seconds to read what some of my
existing clients have to say about my personalized service.

Disclaimer: Medicare has neither reviewed, nor endorsed, any information on this web site.  This is a solicitation of insurance. By providing your contact information, you agree that an authorized representative or licensed insurance agent/producer may contact you by telephone, email, or mail to answer your questions or provide additional information about Medicare Advantage, Part D, or Medicare Supplement Insurance plans.


Click here for more helpful web links and phone numbers for seniors.