I’m Devin Barta and I’ve helped thousands of people navigate the Medicare enrollment process.
I’ll simplify all of your Medicare options so you can make an informed decision about your coverage.
Let’s get started by clicking the button below!
started when my loving grandparents became sick. They were unable to do research on their own, so I had to help them with their medical bills and Medicare coverage.
to understand what was actually covered with their insurance I knew this was an issue seniors desperately needed help with.
For the last 10 years I’ve helped educate seniors about the Medicare process and aid them in making the best decision possible for their supplemental needs. Once a senior begins to work with me I continue to service that client for the lifetime of their policy. I’m dedicated to building strong customer relationships and friendships
I’m a high school basketball coach at South Broward High School in Fort Lauderdale. Prior to coaching at South Broward, I led my alma mater Coral Springs High to a State Championship in 2016. I currently live in Boynton Beach with my beautiful wife Angelic, and our sons Cash and Dray.
When turning 65, seniors are often overwhelmed with phone calls and information regarding Medicare and the numerous programs available. With so much to learn and the immense pressure to make the right choice, seniors need personalized guidance.
My goal is to provide educational Medicare content to help seniors make an informed decision about their Medicare supplement coverage. When searching for coverage, it’s best to work with an independent agent like me that can search all the companies in the market. My job is to educate you about Medicare and lay out ALL available coverage options. The guidance that I provide does not end after the initial sale — I continue to provide education and service to my clients for years to come.
Medicare is health insurance for people age 65 or older, people with certain disabilities under the age of 65 and people of any age with End-Stage Renal Disease. Medicare is broken down into 4 parts: Part A, Part B, Part C, and Part D. The insurance coverage it provides helps individuals save on their health care costs.
– Steve Vernon, author, Retirement Game-Changers
Medicare Part A is the hospital coverage under original Medicare. Part A is premium free for seniors who worked at least 10 years in the United States and paid into Medicare taxes (FICA). Part A covers costs associated with: inpatient hospital care, skilled nursing facility treatment, psychiatric care, and hospice care.
Medicare Part B is the doctor coverage under original Medicare. Part B does come with a monthly fee to seniors. Part B helps cover costs associated with physician and surgeon fees, outpatient services, blood work, ambulance transportation, clinical laboratory services, and more.
Medicare Part C is also known as Medicare Advantage. These are plans administered by private insurance companies. Medicare Advantage plans take over your Medicare and include Part A and Part B, and usually prescription drug coverage. These plans limit you to a doctor Network, so you are only able to see provided by the plan.
Medicare Part D is Medicare prescription drug coverage. Part D plans are offered by insurance companies and other private companies approved by Medicare. Medicare prescription drug coverage also provides protection for people who have very high drug costs or from unexpected prescription drug bills in the future.
Still have some questions about Medicare? Check out my informational videos to help guide you through several Medicare topics. You can also join my educational Facebook group to watch my weekly live videos, every Tuesday at 10am ET.
When I was starting to go on Medicare I was so confused I didn’t know what to do. But Devin came to my house and explained the whole thing to me and put me on a great supplemental plan. So thankful for Devin who is so knowledgeable, so caring and who put me on the right track when I was lost.
Ann B.Client Since 2011
Devin is a great agent, knowledgeable, informative, responsive and keeps you up to date on all the insurance options. I’m also enjoying his Facebook podcasts on Medicare. Tune in and I’m sure you’ll learn something new.
Signe H.Client Since 2011
I have never been sorry for listening to Devin’s suggestions. His exclamations were clear, and I have always been happy I listened when it came to my supplement. I chose the “F” choice, and have never looked back.
Kathy P.Client since 2012
If I don’t take any prescriptions should I get a Part D Prescription plan?
Although you are not required by law to carry a Part D prescription plan I certainly recommend it. If you do not take a Part D plan when you are first eligible and you want to get a plan later, you will have to wait for an enrollment period at the end of the year. In addition you will be charged a 1% penalty for each month you did not have a Part D plan but were eligible for one.
This penalty is a lifetime penalty.
What is a Medicare Supplement (Medigap) policy?
A Medigap policy is private health insurance that helps supplement Original Medicare.
This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage.
If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share.
All Medigap policies must follow federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N.
Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it.
Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.
Unlike other Medicare plans such as Medicare Advantage, Medigap supplement policies don’t have a network of hospitals or physicians.
Is Medigap Plan F going away?
Medicare Supplement Plans C, F, and HDF will not be available beginning in 2020 to new Medicare enrollees, or to those turning 65 after December 31, 2019.
If you are already enrolled in Medicare (prior to 1/1/2020):
You do NOT have to make any changes to your Medicare Supplement insurance policy.
Agents representing other insurance companies may tell you that you will lose your coverage or need to make a change to your existing Medigap coverage, but they are MISREPRESENTING the FACTS. If you feel like you are being misled, you have the right to report this to your state Department of Insurance or the National Association of Insurance Commissioners (NAIC).
Why is it important to buy a Medigap policy when I’m first eligible?
When you’re first eligible, you have the right to buy any Medigap policy offered in your state. In addition, you generally will get better prices and more choices among policies.
It’s very important to understand your Medigap Open Enrollment Period.
Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy.
However, if you apply during your Medigap Open Enrollment Period, you can buy any Medigap policy the company sells, even if you have health problems, for the same price as people with good health.
Can I keep my current Medigap policy or switch to a different policy if I move out of state?
If you apply for Medigap coverage after your Open Enrollment Period, there’s no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements.
Can my Medigap insurance company drop me?
In most cases the Medigap insurance company can’t drop you because the Medigap policy is guaranteed renewable. This means your insurance company can’t drop you unless one of these happens:
If the company becomes bankrupt or insolvent you have a guaranteed issue right to purchase a new Medigap policy with another company without any medical underwriting.
If you were to stop paying your premium or were not truthful on a Medigap application the company has the right to drop you, if you want to get a Medigap policy again you would have to pass the medical underwriting questions.
I’m happy to discuss your Medicare options with you one-on-one or provide you with a free quote! Send your questions my way using the form below, or feel free to call or text me directly at any time at (954) 562-8766.
Monday-Friday: 8:00am-7:00pm EST
Saturday: 8:00am-2:00pm EST