Larry Wells
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Medicare Planning

Make Informed Healthcare Choices

Why Medicare Planning Matters

With numerous options and complex terms, choosing the right Medicare plan can be overwhelming. Strategic planning helps ensure you receive essential healthcare while avoiding costly coverage gaps, unexpected expenses, and long-term financial stress during your retirement years.

Key Medicare Challenges for Retirees

Understanding and managing Medicare can be overwhelming. Without proper guidance, retirees may face unexpected costs, limited coverage, and complex choices that affect their long-term healthcare and financial well-being.
Understanding the differences between Original Medicare, Medicare Advantage, and supplemental plans can be confusing without expert guidance.
Evaluating and selecting the right Part D plan is challenging and can lead to limited drug coverage or unexpected out-of-pocket costs.
Without a Medigap or supplemental policy, retirees may face steep expenses for deductibles, copays, and non-covered services.
Some Medicare Advantage plans restrict provider access or require prior authorizations, causing delays or limits in critical care.

The Cost of Medicare Supplement Plans

Evaluating Medicare supplement plan costs reveals a range of options based on coverage needs, premiums, and insurers. Understanding coinsurance, savings potential, and prescription needs helps balance affordability with the right plan for long-term health and financial security.
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Smart Strategies to Maximize Your Benefits

Tailored planning strategies can boost your Social Security benefits and support long-term financial stability, helping you make the most of your retirement income.
Original Medicare with Medigap plans
Offers flexibility in choosing providers and helps cover out-of-pocket healthcare expenses not included in standard Medicare coverage.
Medicare Advantage Plans with Extras
Combines hospital and medical coverage with extras like dental, vision, and wellness programs, often with lower premiums.
Prescription Drug Coverage Options
Helps manage medication expenses and ensures access to essential prescriptions through a variety of standalone or bundled plan options.

Step-by-Step Enrollment Process

Navigating Medicare enrollment can feel overwhelming, but with the right guidance, you can confidently select a plan that fits your healthcare needs, budget, and enrollment timeline—while avoiding costly mistakes or missed deadlines.
Schedule Your Free Personal Medicare Consultation
Begin with a personal consultation to review your healthcare goals, financial situation, and any existing concerns about medical coverage options.
Review healthcare needs and coverage gaps
Assess your medical history, preferred doctors, and prescription needs to identify any gaps in your current or anticipated coverage.
Compare plans including Medicare Advantage and Medigap
Explore a full range of plan options—such as Medicare Advantage, supplemental Medigap policies, and drug coverage—to find the best match
Enroll during the appropriate period with expert guidance
Avoid penalties and delays by enrolling at the right time. A licensed advisor helps ensure every form and deadline is correctly handled.

Why Choose Us

We provide personalized, local Medicare guidance built on years of experience, trusted service, and deep connections with healthcare providers and community resources to help you make confident, informed decisions about your coverage.
Experienced with Florida Blue and local networks
Portfolios are designed to match your risk profile and financial goals, providing a balanced approach to growth and protection.
Personal support for navigating Medicare rules
We structure income streams to ensure steady cash flow throughout retirement, minimizing the risk of outliving your savings.
Easy access to local care centers and seminars.
Strategic withdrawals reduce tax impact and help preserve more of your retirement savings over the years.
Widely trusted by retirees throughout the local community
We help protect your legacy with estate planning to ensure assets transfer smoothly and reflect your final wishes.

Features of Specific Medicare Supplement Plans

Choosing the right Medicare supplement plan means understanding the features of each option. Medigap plans reduce out-of-pocket costs and may offer added benefits like travel coverage and coordination with Medicare Part D for prescription drug needs.
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Beyond Basic Coverage

Medicare Advantage (MA) plans can offer more than just medical coverage—providing added value, convenience, and local support tailored to your lifestyle.
Extra perks like $0 premiums and SilverSneakers®
Many plans offer $0 premiums and SilverSneakers®, promoting active living and wellness with no extra cost.
Dental, vision, and wellness included in many plans.
Go beyond hospital and doctor visits with coverage for routine dental and eye exams, hearing aids, and preventive wellness services.
Local Medicare Advisors Offering Ongoing Support
Get local, personalized help year-round—from choosing the right plan to understanding benefits and resolving issues as they arise.

Eligibility for Changing Medicare Plans

Eligibility to change Medicare plans depends on enrollment periods. During Annual Enrollment (Oct 15–Dec 7), beneficiaries can switch plans or adjust drug coverage. Special Enrollment Periods apply after moves or major health changes, allowing timely plan updates and better choices.
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Frequently Asked Questions

What makes Medicare plans in this area unique?
Plans are built for retirees, with special coverage options and access to local healthcare providers.
You can change plans during the Annual Enrollment Period. A licensed agent can help review and transition your coverage.
Local agents and Medicare counselors can offer personalized guidance.
Also known as Medigap, it covers copayments, coinsurance, and deductibles that Original Medicare doesn’t pay.
Most people qualify at age 65 if they’ve paid Medicare taxes for at least 10 years.

Are we a good fit?

Find out if we’re a good match for your financial planning and investment management needs. We offer a free, no-obligation consultation to help us get to know each other. We can meet by phone, in-person, or online.
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501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • wellslarry232@gmail.com
  • 352-561-2050
  • 501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • Office Hours: 9:00 AM- 5:00 PM EST

For over 40 years, Larry Wells has devoted his life to helping others as a Baptist minister and a trusted insurance professional.

Larry was ordained into the ministry in 1974 and faithfully served Southern Baptist churches for more than two decades. His calling to serve eventually led him into the insurance industry, where he’s continued his mission: to care for people and provide peace of mind during life’s most important decisions.

He served with Ameri-Life Corporation for ten years, being named Agent of the Year in 2004, and later opened his own successful business in The Villages, Florida. Despite personal health challenges that required a brief pause in his career, Larry’s commitment never wavered. Today, he works from his home office, providing personalized care to clients, new and old.

Larry’s approach is simple: listen well, serve with honesty, and treat every client like family.

“I pray over the work I do because I know it matters. Helping people is both my business and my calling.”

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