FREE GUIDE · FLORIDA
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01 / MEDICARE + MEDICAID
FEDERAL PROGRAM
Federal health insurance mainly for people age 65 and older. Some younger people may qualify because of a disability, End-Stage Renal Disease or ALS.
Age, citizenship or residency and other conditions are part of the rules. Turning 65 does not mean everyone is enrolled automatically.
FEDERAL + STATE PROGRAM
Public health coverage for people who meet income criteria and other conditions. In Florida, the rules depend on the eligibility group.
Low income alone does not guarantee approval. Age, household circumstances, disability, residency and other requirements may be considered.
02 / MEDICARE
Start with Parts A and B. Then understand how your coverage options fit together.
Helps cover inpatient stays and certain skilled nursing facility, hospice and home health care, subject to program rules.
Helps cover doctor visits, outpatient care, medical equipment and many preventive services.
Prescription drug coverage through private Medicare-approved plans. Drug lists and costs vary.
03 / MEDICAID · FLORIDA
DCF lists criteria for groups such as children, pregnant women, parents or caregivers, older adults and people with disabilities. Each situation needs its own review.
The Florida Department of Children and Families (DCF), or the Social Security Administration for SSI recipients, determines eligibility. AHCA administers the state program.
Follow the responsible agency's instructions, provide requested evidence and monitor its communications. If approved, check how to access services under your benefit.
Applying for benefits and choosing a plan are different steps. Insurance Link does not decide Medicaid approvals.
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MEDICARE / MEDICAID
No. Medicare is a federal program mainly related to age and certain conditions. Medicaid considers financial criteria and other requirements for each group in the state.
View sourceYes, if you meet the rules for both. Your level of assistance determines how the programs help with costs and services.
View sourceNot necessarily. Deductibles, copayments and other expenses may apply; you generally keep paying the Part B premium. Check total costs and any assistance you qualify for.
View sourceDCF, or the Social Security Administration for SSI recipients, determines eligibility. AHCA administers Florida Medicaid.
View sourceIt depends on your situation and the coverage you already have. Use Medicare.gov's official enrollment timing guide to check when to enroll and avoid gaps or possible penalties.
View sourceINSURANCE LINK / SINCE 1998
Since 1998, understanding each client has been Insurance Link's starting point. Talk with the team about the Medicare plans we offer and the options available in your area.
Talk with our team(954) 545-5999These links lead to the official resources used in this guide. Rules, costs and options can change; check current information for your situation.
Sources reviewed September 14, 2026
