Florida Medicare Online sponsored by Richard E Smith, Licensed Florida Insurance Broker

Richard E Smith

I’m licensed and reside in the state of Florida, so I only work with Florida residents. If you’re located in South Florida, please feel free to make an appointment to see me at my office.

The worldwide pandemic has changed the way we sell insurance, I’ve moved all of my client interactions online with virtual meetings and consultations.

If you have an internet-connected device with a camera and microphone, I host secure, online meetings via Zoom video conferencing or Gmail Meet.

I understand how important your Medicare needs are. As a broker, I represent multiple Medicare: Supplement (Medigap), Advantage (Part C), and Prescription Drug Plan (Part D) providers and work with America’s largest independent insurance agency. I don’t care who you go with, I just want you to have the best healthcare coverage at a price you can afford!

Office Locations

2354 Immokalee Rd, Naples, FL 34110
13791 Metropolis Ave, Fort Myers, FL 33912



Email / Google Meet




Florida residents under age 65 seeking health insurance, please visit:


How May I Assist You Today?

I'm turning 65 and will be eligible for Medicare
When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that: Begins 3 months before the month you turn 65. Includes the month you turn 65. And ends 3 months after the month you turn 65.

Book a Medicare Age-In Virtual Consultation >>>

Click for more information about Medicare eligibility.

I'm disabled and will be eligible for Medicare
A person who is entitled to monthly Social Security or Railroad Retirement Board (RRB) benefits on the basis of disability is automatically entitled to Part A after receiving disability benefits for 24 months.

Disabled Federal, State and local government employees who are not eligible for monthly Social Security or RRB benefits may get deemed entitlement to disability benefits and automatically entitled to Part A after being disabled for 29 months.

Individuals whose disability is Amyotrophic Lateral Sclerosis (ALS) are entitled to Part A the first month they are entitled to Social Security or RRB disability cash benefits. There is no waiting period.

SSA rules do not allow for child disability benefits to begin earlier than age 18. Therefore, Part A entitlement based on child disability benefit entitlement can never begin before the month the person attains age 20 (or age 18 if the individual’s disability is ALS).

I need assistance with my initial enrollment into Medicare >>>

Click for more information about Medicare eligibility.

I have a SEP
You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, ie: if you move or you lose other insurance coverage. The chances to make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.

I need assistance with a SEP >>>

Click for more information about SEPs

I have a chronic illness(es)
Chronic Condition Special Needs Plans (C-SNPs)

C-SNPs are SNPs that restrict enrollment to special needs individuals with specific severe or disabling chronic conditions, as defined by CMS. Medicare enrollees having multiple chronic conditions requiring coordination of care among primary providers, medical and mental health specialists, inpatient and outpatient facilities, and extensive ancillary services related to diagnostic testing and therapeutic management.

I need assistance with C-SNPs >>>

I receive partial or full Florida Medicaid Benefits
Dual Eligible Special Needs Plans (D-SNPs) enroll individuals who are entitled to both Medicare and medical assistance from a state plan under Medicaid. States cover some Medicare costs, depending on the state and the individual’s eligibility.

If you have Medicare and full Medicaid coverage, most of your health care costs are likely covered.

You can get your Medicare coverage through Original Medicare or a Medicare Advantage Plan (Part C). If you have Medicare and full Medicaid, you’ll get your Part D prescription drugs through Medicare. And, you’ll automatically qualify for Extra Help paying for your Medicare prescription drug coverage (Part D). Medicaid may still cover some drugs and other care that Medicare doesn’t cover.

I need assistance with D-SNPs >>>

I need a standalone Prescription Drug Plan
If you decide not to get Medicare drug coverage when you’re first eligible, you’ll likely pay a late enrollment penalty if you join later, unless one of these applies:

Generally, you’ll pay this penalty for as long as you have Medicare prescription drug coverage.

2 ways to get prescription drug coverage

  1. Medicare Prescription Drug Plan (Part D) . These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
  2. Medicare Advantage Plan (Part C) like an HMO or PPO) or other Medicare health plan  that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan

Book a Medicare PDP Virtual Consultation>>>

Free AEP Medicare Coverage Virtual Consultation

Annual Enrollment Period (AEP) is here! Medicare subscribers have from October 15th to December 7th, 2022 to make changes to their Medicare Part C & Part D coverage for the following year.

Request Free Consultation for 2022 Medicare Annual Enrollment Period >>>

Please complete the form below in full to book your virtual consultation. Once you have completed the form, you’ll be taken to our calendar to make your appointment time. Appointments are scheduled for 45 minutes but seldom go beyond 30 minutes as we do all of the preliminaries prior to our meeting. We give you the best options to fit your health needs and your budget. You’ll simply have to pick and choose to customize your Medicare plan.

Simply complete this form to request Medicare services information. We will contact you shortly!

Or call 239-596-8449

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