Original Medicare (Parts A & B)
Run by the federal government. Part A is hospital insurance. Part B is medical insurance, such as doctor visits and outpatient care. You can generally see any provider that accepts Medicare.
Sarasota & Southwest Florida
Medicare Agent in Sarasota, Florida
I'm Sean Henne, an independent licensed insurance agent with Intuitive Insurance LLC. I help people turning 65 and people already on Medicare understand their options, in plain, easy-to-understand language, at your own pace, with no pressure.
Florida License G373513 · NPN 22339506
Who I help
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Turning 65
If you're approaching 65, I can walk you through how Medicare works, your enrollment window, and the types of coverage to consider.
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Already on Medicare
If you have Medicare now, I can help you review your current coverage during the Annual Enrollment Period or when you have a qualifying life change.
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Retiring or leaving employer coverage
If you're working past 65 or your employer coverage is ending, I can help you understand how Medicare fits in.
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Family members helping a loved one
Adult children and caregivers are welcome to join the conversation, with the permission of the person on Medicare.
How Medicare options work
This is general educational information. Your choices depend on your own situation. For complete information, visit Medicare.gov.
Medicare Advantage (Part C)
Plans offered by private companies approved by Medicare. They provide your Part A and Part B coverage and often include prescription drug coverage. Many use provider networks, and costs and rules vary by plan.
Medicare Supplement (Medigap)
Policies sold by private companies that work alongside Original Medicare to help pay some out-of-pocket costs, such as deductibles and coinsurance. They generally do not include drug coverage.
Part D (Prescription Drugs)
Drug coverage offered by private companies approved by Medicare. It can be a stand-alone plan used with Original Medicare, or included in many Medicare Advantage plans.
Key enrollment periods
- Initial Enrollment Period
- Generally the 7-month window around your 65th birthday: 3 months before, your birthday month, and 3 months after.
- Annual Enrollment Period (AEP)
- October 15 – December 7 each year. You can review and change Medicare Advantage and Part D coverage. Changes generally take effect January 1.
- Medicare Advantage Open Enrollment
- January 1 – March 31, for people already enrolled in a Medicare Advantage plan.
- Special Enrollment Periods
- Certain life events, such as moving or losing other coverage, may allow changes at other times.
How I help
We talk
A relaxed conversation by phone or in person in the Sarasota area about what matters to you, such as your doctors, prescriptions, and budget.
We review
I explain the plans I offer in your area and how they work, so you can compare them side by side.
You decide
There's no obligation. Take the time you need. If you choose to enroll, I can help with the paperwork and be a point of contact afterward.
Before we discuss specific plan types, a Scope of Appointment will be completed as required by Medicare rules.
Frequently asked questions
When can I first sign up for Medicare?
Most people have an Initial Enrollment Period that lasts seven months: the three months before the month you turn 65, your birthday month, and the three months after. Your situation may differ if you are still working or have other coverage. Medicare.gov and Social Security can confirm your dates.
What is the Annual Enrollment Period?
The Medicare Annual Enrollment Period (AEP) runs October 15 through December 7 each year. During this time, people with Medicare can review and change Medicare Advantage and Part D prescription drug coverage. Changes generally take effect January 1.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) plans are offered by private companies approved by Medicare and provide Part A and Part B coverage, often with networks and different cost-sharing. Medicare Supplement (Medigap) policies work alongside Original Medicare to help with some out-of-pocket costs. They work differently, and the right fit depends on your own needs.
What is Medicare Part D?
Part D is prescription drug coverage offered by private companies approved by Medicare. It can be a stand-alone plan used with Original Medicare, or included in many Medicare Advantage plans.
Do I have to work with an agent to enroll?
No. You can get information and enroll directly through Medicare.gov, by calling 1-800-MEDICARE (TTY 1-877-486-2048), or through your State Health Insurance Assistance Program (in Florida, SHINE). Working with a licensed agent is one option.
Is filling out the contact form a Scope of Appointment?
No. Nothing on this website, including the contact form, is a Scope of Appointment. If you choose to meet to discuss specific plan types, a Scope of Appointment will be completed separately as required.
Schedule a conversation
Call or email me directly, or use the form to request a call back at a time that works for you.
Phone: 209-598-6003
Email: seanhennesrq@gmail.com
Serving: Sarasota & Southwest Florida
Please do not include your Medicare number, Social Security number, or any health information in this form.