Expert guidance for Medicare, life insurance, retirement planning, and more. Tailored solutions for Florida residents.
Navigate Medicare with confidence. Our certified Medicare specialists help Florida residents choose the right coverage, optimize benefits, and avoid costly mistakes.
Compare all options side-by-side to find the best fit for your health needs and budget.
Optimize Part D coverage to minimize out-of-pocket medication costs.
Never miss important enrollment windows. We track deadlines for you.
| Coverage | Original Medicare | Medicare Advantage | Medigap + Part D |
|---|---|---|---|
| Monthly Premium | $0-$170 | $0-$200 | $150-$400 |
| Out-of-Pocket Max | Unlimited | $3,000-$8,000 | $2,000-$6,000 |
| Prescription Drugs | ❌ Not Included | ✓ Included | ✓ Separate Plan |
| Dental/Vision | ❌ Not Included | ✓ Often Included | ❌ Not Included |
| Network Flexibility | ✓ Nationwide | ⚠️ Limited Network | ✓ Nationwide |
Florida Advantage: Many Medicare Advantage plans in Florida offer additional benefits like SilverSneakers fitness programs and wellness incentives.
This amount will help replace income, pay off debts, and cover future expenses.
Protect your family's financial future with the right life insurance coverage. We help Florida residents choose between term and permanent life insurance options.
Affordable coverage for a specific period. Ideal for income replacement during working years.
Lifetime coverage with cash value accumulation. Builds wealth while providing protection.
Protect your assets and ensure quality care. Florida's long-term care costs are rising - plan ahead to preserve your retirement savings.
Shield your retirement savings from long-term care costs that can reach $100,000+ per year in Florida.
Choose where you receive care - at home, in assisted living, or in a nursing facility.
Multiple payment options including traditional policies, hybrid life/LTC products, and annuities.
*Average costs in Florida. Actual costs vary by location and level of care.
Protect your most valuable asset - your ability to earn an income. Disability insurance ensures financial stability if you're unable to work.
Replace 60-80% of your income if you're unable to work due to illness or injury.
No state income tax means your benefits go further in Florida.
Focus on recovery without worrying about bills and financial obligations.
Maximize your Florida retirement benefits. Coordinate FRS, Social Security, and private investments for a secure financial future.
Maximize your Florida Retirement System benefits. We help you understand Pension vs Investment Plan options.
Optimize your Social Security claiming strategy for maximum lifetime benefits.
Coordinate your retirement accounts for tax efficiency and optimal growth.
Integrate insurance into your estate plan to protect assets, minimize taxes, and ensure your legacy passes to beneficiaries as intended.
Life insurance provides immediate cash to pay estate taxes, debts, and final expenses.
Provide fair distribution when some assets are difficult to divide, like family businesses.
Keep insurance proceeds out of your taxable estate while providing for beneficiaries.
Florida doesn't have a state estate tax, but federal estate tax may still apply to larger estates.
Florida's homestead laws provide significant asset protection for your primary residence.
Life insurance proceeds are generally protected from creditors in Florida.
Don't wait to protect what matters most. Contact Lucas Insurance Services today for a personalized consultation and expert guidance.