AdviseCare Insurance

AdviseCare Insurance Independent Medicare agency helping people turning 65 understand their options - education first, no pressure, always no-cost. Serving Tampa Bay & 24 states.

Is Moffitt part of your care team?Since July 1, Moffitt Cancer Center has been out of network for Humana Medicare Advant...
08/26/2026

Is Moffitt part of your care team?

Since July 1, Moffitt Cancer Center has been out of network for Humana Medicare Advantage HMO and PPO plans.

That does not mean every person has the same next step. Your specific plan, care team, treatment situation, authorization rules, and out-of-network benefits can all matter.

If you or a loved one receives care at Moffitt, do not make assumptions based only on the carrier name. Check your exact plan. Ask about your doctors and specialists. And if treatment is ongoing, ask whether continuity of care may apply.

We put together the full Tampa Bay update, including what changed and the questions to ask before making a Medicare decision.

https://advisecareinsurance.com/insights/moffitt-humana-medicare-advantage-out-of-network

Need help sorting through your Medicare options? AdviseCare can help you review your doctors, hospital access, prescriptions, and plan choices at no cost.

Not connected with or endorsed by the U.S. government or the federal Medicare program.

A gap in creditable prescription drug coverage can affect a person’s Part D late-enrollment penalty.The amount depends o...
08/22/2026

A gap in creditable prescription drug coverage can affect a person’s Part D late-enrollment penalty.

The amount depends on the situation and the length of the gap. Our estimator is designed to help you understand the question before you make any decisions.

Try the estimator: https://advisecareinsurance.com/prescription-drugs -d-penalty-calculator

This is an estimate only. Coverage decisions should be reviewed based on your individual situation.

Not sure what Medicare step comes next?Our quick Medicare Readiness Quiz is a simple place to start. In about 60 seconds...
08/18/2026

Not sure what Medicare step comes next?

Our quick Medicare Readiness Quiz is a simple place to start. In about 60 seconds, it can help you identify the questions worth exploring next.

Take the free quiz: https://advisecareinsurance.com/medicare-readiness

AdviseCare helps make Medicare easier to understand.

The pharmacy closest to you may not always be the lowest-cost option under your Medicare drug plan.Some plans have both ...
08/06/2026

The pharmacy closest to you may not always be the lowest-cost option under your Medicare drug plan.

Some plans have both in-network and preferred in-network pharmacies. Depending on the plan, using a preferred pharmacy may mean lower copays or coinsurance for certain prescriptions.

Before your next refill:

• Check your plan’s pharmacy directory
• Confirm the location is preferred for your specific plan
• Compare the estimated cost at another in-network pharmacy
• Ask whether mail order is available and compare the cost before switching.

Costs vary by plan, pharmacy, prescription, and year.

Questions about Medicare prescription coverage? Call or text AdviseCare at 813-544-7066.

Starting an independent insurance agency has taught us far more than how to recommend coverage.From getting licensed and...
08/04/2026

Starting an independent insurance agency has taught us far more than how to recommend coverage.
From getting licensed and choosing the right FMO to managing 1099 income, building systems, creating content, and learning when the best advice is to make no change at all, there is a lot that happens behind the scenes.

Building AdviseCare has required patience, research, and plenty of trial and error, but each lesson has helped shape the kind of agency we want to become.

What is one thing no one warned you about before starting a business?

If you have a Medicare Advantage plan in Pasco or Hillsborough County, do not assume your 2026 plan will be exactly the ...
07/31/2026

If you have a Medicare Advantage plan in Pasco or Hillsborough County, do not assume your 2026 plan will be exactly the same.

Plans can change each year. That may include doctor networks, prescription coverage, copays, benefits, and out-of-pocket costs.

Before Annual Enrollment, it is worth checking:

Are your doctors still in-network?
Are your prescriptions still covered well?
Did your copays or benefits change?
Is the plan still available in your county?
Does the plan still fit your needs?
A plan that worked well this year may still be a good fit, but it should be reviewed before you decide to keep it.

Questions about your 2026 Medicare options? Call or text AdviseCare.

Not connected with or endorsed by the U.S. government or the federal Medicare program.

Thinking about retiring before 65?One of the biggest questions is what happens to your health insurance before Medicare ...
07/22/2026

Thinking about retiring before 65?

One of the biggest questions is what happens to your health insurance before Medicare begins.

If you leave employer coverage early, you may need a coverage bridge until you become eligible for Medicare. Depending on your situation, that could include COBRA, Marketplace coverage, spouse coverage, or another option.

The important thing is not to wait until your coverage is ending to figure it out.

Questions about Medicare timing or your coverage options before 65? Call or text AdviseCare.

Not connected with or endorsed by the U.S. government or the federal Medicare program.

If you help a parent or loved one with Medicare, Annual Enrollment Period can feel overwhelming.A simple first step is g...
07/17/2026

If you help a parent or loved one with Medicare, Annual Enrollment Period can feel overwhelming.

A simple first step is gathering the documents you may need before reviewing coverage:

Medicare card and current insurance cards
Annual Notice of Change or plan documents
Current prescription list
Doctor and pharmacy list
Permission or caregiver paperwork
Having these ready can make the conversation easier and help avoid last-minute confusion.

Questions about Medicare? Call or text AdviseCare.

Choosing a Medicare plan? Don’t forget to ask these questions first.The monthly premium is only one piece of the puzzle....
07/14/2026

Choosing a Medicare plan? Don’t forget to ask these questions first.

The monthly premium is only one piece of the puzzle.

Before you enroll, make sure you know:
✔️ Are your doctors in-network?
✔️ Are your prescriptions covered?
✔️ What’s your true out-of-pocket maximum?
✔️ What happens if you travel?
✔️ Do you need referrals?

I created a free 10-question worksheet you can bring to any Medicare appointment so you know exactly what to ask before choosing a plan.

Comment “10” below and I’ll send you the free worksheet.

Save this post so you have these questions handy when it’s time to compare plans, and share it with someone who’s turning 65 or helping a parent with Medicare.

Address

20150 Stella Way, Suite 8
Lutz, FL
33558

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 2pm
Sunday 12pm - 2pm

Telephone

+18135447066

Website

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