Medicare Planning
in Weston, Florida.
Medicare is one of the most consequential decisions you will make as you approach age 65 — and one of the most confusing. The enrollment rules are strict. The plan options are numerous. The financial consequences of choosing wrong compound every year you remain in the wrong plan. Pinnacle Financial Group helps you get it right from the start.
27 Years Helping Seniors Navigate Medicare With Clarity and Confidence.
For more than 27 years, Pinnacle Financial Group has helped seniors, retirees, and their families navigate Medicare with clarity and confidence. As an independent Medicare brokerage agency, we represent multiple carriers and have no financial incentive to steer you toward any particular plan. Our only obligation is finding the right coverage for your specific situation.
Whether you are turning 65 and enrolling for the first time, evaluating your current plan during Annual Enrollment, or helping a parent understand their options, we provide the guidance, the comparison, and the enrollment support that turns a confusing process into a clear decision.
Unlike call center agencies that rotate clients through anonymous representatives, when you work with Pinnacle, you work directly with a dedicated advisor who knows your healthcare history, your financial situation, and your preferred providers — not just your ZIP code.
Understanding the Parts of Medicare.
Medicare is a federal health insurance program administered by the Centers for Medicare and Medicaid Services (CMS). It is available to most Americans at age 65 and to certain individuals under 65 with qualifying disabilities. It does not function as a single plan — it is a system of parts, each covering a distinct category of healthcare.
Part A — Hospital Insurance
Medicare Part A covers inpatient hospital stays, limited care in a skilled nursing facility following a qualifying hospital stay, hospice care for terminal illness, and some home health care services. Most people do not pay a monthly premium for Part A if they or their spouse paid Medicare taxes for at least 10 years. However, there are deductibles and coinsurance for hospital stays that Part A does not cover — gaps that a Medigap Supplement plan or Medicare Advantage plan address.
Part B — Medical Insurance
Medicare Part B covers physician visits, outpatient services, preventive screenings, lab work, durable medical equipment, mental health services, and certain home health services. Part B requires a monthly premium — in 2025, the standard amount is $185 per month, though higher-income beneficiaries pay more through IRMAA surcharges. Part B has an annual deductible and covers 80% of approved services after the deductible, leaving the remaining 20% as your responsibility unless you have a Medigap Supplement plan.
Part C — Medicare Advantage
Medicare Advantage plans (Part C) are offered by private insurance carriers approved by Medicare. These plans bundle Part A and Part B coverage into a single plan, often with additional benefits not covered by Original Medicare, including dental, vision, hearing, fitness memberships, and over-the-counter allowances. Most Medicare Advantage plans also include Part D prescription drug coverage. Premiums are often low or $0 in addition to your Part B premium, but these plans typically require you to use a defined provider network and may require referrals for specialists.
Part D — Prescription Drug Coverage
Medicare Part D provides outpatient prescription drug coverage. Part D is offered through private insurance carriers as either a standalone plan (paired with Original Medicare) or as part of a Medicare Advantage plan. Each Part D plan has its own formulary — the list of covered drugs — and its own premium, deductible, and cost-sharing structure. Choosing the wrong Part D plan or failing to enroll when first eligible triggers a lifetime late enrollment penalty of 1% per month of the national base beneficiary premium for every uncovered month.
Choosing Between Medicare Advantage and Original Medicare with a Supplement.
Every Medicare beneficiary faces a fundamental choice at enrollment. Understanding both paths before you decide is the single most important step in Medicare planning.
(Part C)
+ Supplement + Part D
At Pinnacle Financial Group, we walk you through both paths side by side using your specific doctors, medications, and healthcare patterns to determine which option truly serves you better — not which one is easiest to sell.
How Pinnacle Financial Group Navigates Medicare With You.
Choosing a Medicare plan is not a one-time event. It is a decision that affects your healthcare access, your financial exposure, and your quality of life every year you remain enrolled.
Comprehensive Plan Comparison
We compare Medicare Advantage plans, Medicare Supplement (Medigap) plans, standalone Part D prescription drug plans, and ancillary coverage options from multiple carriers. Every comparison is built around your specific doctors, your current medications, your preferred facilities, and your healthcare patterns — not a generic recommendation.
Enrollment Guidance & Deadline Management
Medicare enrollment is governed by strict timelines. Missing your Initial Enrollment Period when you turn 65 can result in lifetime premium penalties on Part B and Part D. We track your enrollment windows, explain your options within each period, and manage the enrollment process so nothing falls through the cracks.
Annual Plan Review
Medicare plans change every year. Carriers adjust premiums, modify formularies, change provider networks, and alter benefit structures. A plan that was the right fit last year may not be the best option this year. We conduct an annual plan review with every client before and during Annual Enrollment to ensure your coverage still fits.
Coordination with Your Retirement Plan
Medicare decisions do not exist in a vacuum. Your Part B premium is affected by your income through IRMAA surcharges, which means Roth conversions, required minimum distributions, and capital gains events can all affect what you pay for Medicare. We coordinate Medicare with your broader retirement income strategy to avoid unnecessary premium triggers.
Dental, Vision, Hearing & Ancillary Coverage
Original Medicare does not cover routine dental, vision, or hearing care. While many Medicare Advantage plans include these benefits, beneficiaries on Original Medicare with a Supplement plan need standalone coverage. We evaluate standalone dental, vision, and hearing plans alongside your Medicare coverage to ensure no significant gap is left unaddressed.
Dedicated Advisor — Not a Call Center
When you work with Pinnacle, you work directly with a dedicated advisor who knows your healthcare history, your financial situation, and your preferred providers. Not an anonymous representative reading from a script. Not a different voice every time you call. One advisor, one relationship, ongoing support through every enrollment period that follows.
Medicare Planning for Every Stage.
If you are approaching your 65th birthday, your Initial Enrollment Period begins three months before your birth month and ends three months after — a seven-month window. Decisions made during this window affect your premium costs and coverage access for years. Whether you are retiring immediately at 65 or continuing to work with employer coverage, the enrollment rules differ and the consequences of missing the right window are permanent. We help you identify the right path before your birthday and manage the enrollment process from start to finish.
If you are currently enrolled in a Medicare plan and suspect it may no longer be the best fit, the Annual Enrollment Period (October 15 through December 7) is your window to make a change. Perhaps your doctor left your network. Perhaps your medications changed and your current Part D plan no longer covers them efficiently. Perhaps your premium increased significantly at renewal. We conduct a full plan comparison each year to confirm you are in the right coverage — or to identify what should change and handle the transition.
We frequently work with adult children and family members who are helping a parent or spouse navigate Medicare for the first time, or who are concerned that the plan their parent currently has is not the right fit. We welcome family members in the planning conversation, explain options in plain language without jargon, and ensure every decision is made with full information — not under pressure from a call center or a deadline.
What Makes Our Medicare Practice Different.
There is no shortage of Medicare agencies. The difference is independence, depth, and the integration of Medicare into a complete retirement financial plan.
Independent & Multi-Carrier
We are not employed by or captive to any single insurance company. We represent multiple Medicare carriers and recommend the plan that fits your situation — not the plan that pays the highest commission. Our compensation is equal across carriers, so our only incentive is your best fit.
27 Years of Experience
Pinnacle Financial Group has been helping individuals and families plan for retirement and navigate insurance decisions since 1999. Medicare planning is not a recent addition to our services — it has been core to our practice for the full 27 years we have been in business.
Licensed Medicare Brokerage Agency
We hold active insurance licenses and the specialized credentials required to advise on Medicare products, including the Registered Medicare Insurance Planner (RMIP™) designation. We are not a general financial advisor who occasionally helps with Medicare — we are a licensed agency.
One Advisor, Not a Call Center
When you work with Pinnacle, you work directly with a dedicated advisor who knows your healthcare history, your financial situation, and your preferred providers — and stays with you through every Annual Enrollment Period that follows. Not a different representative every time you call.
No Cost to You
There is no fee for our Medicare planning services. We are compensated by the insurance carriers, and our compensation is the same regardless of which carrier or plan you select. Our goal is the right plan for your situation, not the highest-commission plan in the market.
Integrated Financial Planning
Unlike standalone Medicare agencies, we coordinate your Medicare decisions with your broader retirement income plan, tax strategy, and long-term care planning. Medicare does not exist in isolation — the decisions you make about coverage interact directly with your income, your assets, and your estate plan.
A Note on Medicaid
In certain situations, individuals may qualify for Medicaid in addition to or in place of traditional Medicare coverage. Medicaid is a state-administered program providing healthcare coverage for individuals who meet specific income and asset requirements. Eligibility, covered services, and program structures vary by state. If you or a family member may qualify for Medicaid, or if you are evaluating dual-eligible Medicare and Medicaid options, we can discuss your situation during your consultation and refer you to the appropriate resources for Medicaid-specific guidance.
Frequently Asked Questions About Medicare Planning.
Your Medicare Decision Deserves More Than a 1-800 Number.
Medicare is too important and too complex to navigate alone or to trust to an anonymous call center with a script. Pinnacle Financial Group offers a complimentary, private Medicare consultation — no sales pressure, no obligation, a direct conversation about your situation, your doctors, your medications, and your options.
Pinnacle Financial Group, Inc. is an independent insurance and financial planning firm. Insurance products and services are offered through licensed insurance providers. Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D plans are offered by private insurance companies that contract with Medicare. Plan availability, coverage, premiums, and benefits vary by carrier, plan type, and location. Pinnacle Financial Group, Inc. is not connected with or endorsed by the U.S. Government or the federal Medicare program. This content is for informational purposes only and does not constitute a solicitation or offer to purchase any specific insurance plan. Please consult with a licensed Medicare advisor before making any enrollment decision.
