Complete Medicare Planning| Paradise Assured
Medicare can be confusing — but it does not have to be. At Paradise Assured Insurance Agency, Andrew M. Lax and our team of licensed advisors specialize in complete Medicare planning for individuals and families across New York, Florida, New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, and West Virginia. Whether you are approaching age 65, retiring early, or simply confused about your current coverage, we simplify the entire Medicare process and find the right plan for your unique situation — at no cost to you. All consultations are available by phone or virtually at your convenience.
Serving NY, FL, NJ, CT, AZ, TN, DE & WV
What is Medicare?
Medicare is the federal health insurance program primarily for Americans age 65 and older, as well as certain younger individuals with disabilities. It is divided into four parts:
Part A covers hospital stays, skilled nursing facility care, hospice, and some home health care.
Part B covers doctor visits, outpatient care, medical supplies, and preventive services.
Part C — also known as Medicare Advantage — is an all-in-one alternative to Original Medicare offered through private insurance companies approved by Medicare.
Part D covers prescription drug costs and is available as a standalone plan or included in some Medicare Advantage plans.
Understanding which combination of these parts is right for you requires careful analysis of your health needs, preferred doctors, medications, and budget. Paradise Assured Insurance Agency provides that analysis at no cost to you.
Our Complete Medicare Planning Services
Paradise Assured Insurance Agency provides comprehensive Medicare planning services, including:
Medicare Advantage Plans — We compare every Medicare Advantage plan available in your area and identify the one that best matches your doctors, medications, and budget.
Medicare Supplement Insurance — Also known as Medigap, these plans work alongside Original Medicare to cover out-of-pocket costs, including deductibles, copayments, and coinsurance.
Medicare Part D Drug Plans — We analyze your specific medications and identify the most cost-effective prescription drug plan available in your state.
Medicare Enrollment Guidance — We walk you through every enrollment deadline, special enrollment period, and late enrollment penalty so you never miss a critical window or pay unnecessary penalties.
Medicare Plan Reviews — Already on Medicare? We provide annual reviews to ensure your current plan is still the best option as your health needs and available plans change each year.
Paradise Assured Insurance Agency charges no direct fee for Medicare planning consultations. Our compensation is provided by the insurance carrier upon the successful placement of a policy and payment of the premium.
Medicare Planning — States We Serve
Paradise Assured Insurance Agency provides complete Medicare planning services to individuals and families throughout:
New York — Serving New York City, Buffalo, Rochester, Yonkers, Syracuse, Albany, White Plains, Long Island, Westchester County, Hudson Valley, and all of New York State.
Florida — Serving Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, Boca Raton, West Palm Beach, Naples, Sarasota, Fort Myers, and all of Florida.
New Jersey — Serving Newark, Jersey City, Paterson, Elizabeth, Edison, Toms River, Trenton, Cherry Hill, and all of New Jersey.
Connecticut — Serving Bridgeport, New Haven, Hartford, Stamford, Waterbury, Norwalk, Danbury, Greenwich, and all of Connecticut.
Arizona — Serving Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe, Sun City, and all of Arizona.
Tennessee — Serving Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, and all of Tennessee.
Indiana — Serving Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, and all of Indiana.
Delaware — Serving Wilmington, Dover, Newark, Middletown, Smyrna, and all of Delaware.
West Virginia — Serving Charleston, Huntington, Morgantown, Parkersburg, Wheeling, and all of West Virginia.
All consultations are available by phone or virtually.
No office visit is required.
Frequently Asked Questions — Medicare Planning
Q: When should I enroll in Medicare?
A: Most people should enroll in Medicare at age 65. If you have employer-sponsored health coverage, you may be able to delay enrollment without penalty. However, missing your Initial Enrollment Period without qualifying coverage can result in permanent late enrollment penalties that increase your premiums for life. Paradise Assured helps you identify the right enrollment window for your specific situation.
Q: What is the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage — Part C — replaces Original Medicare with an all-in-one plan through a private insurance company. Medicare Supplement — also called Medigap — works alongside Original Medicare to cover out-of-pocket costs. Medicare Advantage plans often have lower premiums but include networks and copayments. Medicare Supplement plans offer more flexibility in choosing doctors but typically have higher premiums. The right choice depends on your health needs, preferred doctors, medications, and budget.
Q: Does Medicare cover long-term care?
A: Original Medicare does not cover custodial long-term care, such as assisted living or nursing home care, beyond a limited period. This is why long-term care planning is a critical companion to Medicare planning. Paradise Assured can help you address both needs comprehensively.
Q: Is Medicare the same in every state?
A: Original Medicare — Parts A and B — is federally administered and consistent across all states. However, Medicare Advantage and Medicare Supplement plans vary significantly by state and even by county. The plans available in New York are different from those in Florida or Arizona. This is why working with a licensed advisor like Paradise Assured, who is licensed in all 9 states, is particularly valuable.
Q: How much does Medicare planning cost?
A: Our Medicare planning services are at no direct cost to you. Paradise Assured Insurance Agency is compensated directly by the insurance carriers when you enroll in a plan. You receive expert guidance, plan comparison, and ongoing support at absolutely no cost.
Q: Can Paradise Assured help me if I live outside New York?
A: Yes. Paradise Assured Insurance Agency is licensed in New York, Florida, New Jersey, Connecticut, Arizona, Tennessee, Indiana, Delaware, and West Virginia. We serve clients throughout all 9 states by phone and virtually with no office visit required.
Ready to Simplify Your Medicare Planning?
Paradise Assured Insurance Agency provides complete Medicare planning at absolutely no cost to you. Whether you are enrolling in Medicare for the first time, reviewing your current coverage, or comparing plans across New York, Florida, or any of our 9 licensed states, we are here to help. Our licensed advisors are available by phone or virtually at your convenience. No office visit required. Andrew M. Lax and the Paradise Assured team look forward to helping you find the perfect Medicare plan for your unique needs.
Curious about how Paradise Assured works with clients? Visit our Process page to learn more about our discovery and planning approach.