Medicare Solutions

Whether you are approaching age 65, newly eligible through disability, or reviewing coverage during Annual Enrollment, we help you evaluate:

  • Original Medicare (Parts A & B)

  • Medicare Advantage (Part C) plans

  • Medicare Supplement (Medigap) policies

  • Prescription Drug (Part D) coverage

  • Special Needs Plans and Dual-Eligible options when appropriate

  • the entire Medicare journey

Extended Care Planning

The majority of Americans will need some form of long-term care. Traditional health insurance and Medicare generally do not cover custodial care. Apex helps clients explore:

  • Long-term care insurance

  • Hybrid life/long-term care policies

  • Asset-based care strategies

  • Partnership programs and state-specific options available in Florida

  • to name just a few

Legacy, Estate & Wealth Transfer Planning

Different forms of Life Insurance and other financial products like Annuities can play an important role in orderly wealth transfer, estate and legacy planning for your family. We work with clients on:

  • Life insurance strategies for estate liquidity and equalization

  • Lifetime Income Planning

  • Final expense and burial coverage

  • Policies that support charitable or family goals

  • Coordination with existing estate planning documents (when clients already work with an attorney or financial advisor)

  • and so much more

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DISCLAIMER: Apex Insurance Navigators, LLC is an independent insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not provide legal or tax advice. Clients should consult their own attorney, tax advisor, or other qualified professionals for guidance on legal and tax matters. Product availability and features vary by carrier and by state. All recommendations are based on individual circumstances and are subject to underwriting where applicable.