Updated for plan year 2026 on 2026-07-25
Straight answers about Medicare, without the sales pressure
The Senior Desk gives clear Medicare guidance, local plan-count context, and practical questions to ask before you choose. We are a licensed insurance agency; carriers may pay us when you enroll through us, but you never pay us.
Who pays us
The Senior Desk is a licensed insurance agency. Insurance carriers pay us when someone enrolls through us; members never pay us. Membership and every bit of help from our desk are free.
County examples
- All Counties, AZ: 0 $0-premium MA plans
- Apache, AZ: 1 $0-premium MA plans
- Cochise, AZ: 10 $0-premium MA plans
- Coconino, AZ: 10 $0-premium MA plans
- Gila, AZ: 6 $0-premium MA plans
- Graham, AZ: 13 $0-premium MA plans
- Greenlee, AZ: 4 $0-premium MA plans
- La Paz, AZ: 7 $0-premium MA plans
- Maricopa, AZ: 58 $0-premium MA plans
- Mohave, AZ: 9 $0-premium MA plans
- Navajo, AZ: 6 $0-premium MA plans
- Pima, AZ: 55 $0-premium MA plans
- Pinal, AZ: 41 $0-premium MA plans
- Santa Cruz, AZ: 14 $0-premium MA plans
- Yavapai, AZ: 12 $0-premium MA plans
- Yuma, AZ: 9 $0-premium MA plans
- Alachua, FL: 24 $0-premium MA plans
- All Counties, FL: 0 $0-premium MA plans
- Baker, FL: 23 $0-premium MA plans
- Bay, FL: 16 $0-premium MA plans
- Bradford, FL: 15 $0-premium MA plans
- Brevard, FL: 45 $0-premium MA plans
- Broward, FL: 68 $0-premium MA plans
- Calhoun, FL: 10 $0-premium MA plans
- Charlotte, FL: 48 $0-premium MA plans
- Citrus, FL: 55 $0-premium MA plans
- Clay, FL: 51 $0-premium MA plans
- Collier, FL: 42 $0-premium MA plans
- Columbia, FL: 18 $0-premium MA plans
- De Soto, FL: 28 $0-premium MA plans
- Dixie, FL: 7 $0-premium MA plans
- Duval, FL: 51 $0-premium MA plans
- Escambia, FL: 27 $0-premium MA plans
- Flagler, FL: 45 $0-premium MA plans
- Franklin, FL: 10 $0-premium MA plans
- Gadsden, FL: 10 $0-premium MA plans
- Gilchrist, FL: 7 $0-premium MA plans
- Glades, FL: 17 $0-premium MA plans
- Gulf, FL: 7 $0-premium MA plans
- Hamilton, FL: 7 $0-premium MA plans
Florida language examples
- North Miami, Miami Shores & Biscayne Park: Spanish 31.1%, Haitian Creole 33.6%
- Greater North Miami Beach (West): Spanish 27.7%, Haitian Creole 28.7%
- Lauderhill & Lauderdale Lakes: Spanish 8.0%, Haitian Creole 19.1%
- Lake Worth, Lantana & Atlantis: Spanish 31.9%, Haitian Creole 13.7%
- Orlando (West Downtown) & Pine Hills (Southeast): Spanish 15.1%, Haitian Creole 11.9%
- Greater Boynton Beach (North): Spanish 13.0%, Haitian Creole 11.5%
- Miami (North): Spanish 45.8%, Haitian Creole 10.8%
- Opa-Locka, West Little River & Brownsville: Spanish 47.4%, Haitian Creole 10.2%
- Deerfield Beach, Pompano Beach (North) & Lighthouse Point: Spanish 18.7%, Haitian Creole 9.7%
- Margate, Coconut Creek (South) & North Lauderdale: Spanish 20.5%, Haitian Creole 8.8%
- Greater Delray Beach: Spanish 10.6%, Haitian Creole 8.8%
- Miramar (East), Hallandale Beach & West Park: Spanish 32.4%, Haitian Creole 8.6%
- Pompano Beach (South): Spanish 20.9%, Haitian Creole 8.0%
- Orange County (Northwest): Spanish 19.1%, Haitian Creole 7.8%
- Greenacres (North) & Palm Springs (North): Spanish 47.8%, Haitian Creole 7.4%
- Fort Lauderdale (Central): Spanish 16.2%, Haitian Creole 7.3%
- West Palm Beach (Southeast) & Palm Beach: Spanish 25.1%, Haitian Creole 7.0%
- Tamarac, North Lauderdale & Sunrise (North): Spanish 26.8%, Haitian Creole 6.6%
- Miami Gardens: Spanish 39.0%, Haitian Creole 6.2%
- Broward County (Northwest) Coral Springs: Spanish 25.8%, Haitian Creole 6.2%
Medicare questions
- What should I do first when I am turning 65 and new to Medicare?
- Is Medigap or Medicare Advantage better for someone turning 65?
- How is Medicare Advantage different from Original Medicare?
- When can I enroll in Medicare for the first time?
- What does Medicare Part A cover?
- What does Medicare Part B cover?
- What is Medicare Part D drug coverage?
- Do I need Part D if I do not take prescriptions?
- What Medicare late enrollment penalties should I avoid?
- What can I change during Medicare Annual Enrollment Period?
- What is the Medicare Advantage Open Enrollment Period?
- Can I change Medicare plans if I move?
- Can I keep my doctor on Medicare Advantage?
- Is Medicare Advantage good if I travel often?
- What Medicare coverage works for snowbirds?
- Does Medicare cover dental, vision, and hearing?
- What is a Medicare Advantage maximum out-of-pocket limit?
- Are $0-premium Medicare Advantage plans really free?
- Is a PPO or HMO better for Medicare Advantage?
- Do Medicare star ratings matter?
- What is a Medicare drug formulary?
- How should I compare Medicare plans if I take Eliquis?
- How does Medicare cover insulin?
- What is Extra Help for Medicare drug costs?
- What are Medicare Savings Programs?
- What does dual eligible mean in Medicare?
- What is a Medicare Chronic Condition SNP?
- When can I buy Medigap without health questions?
- Can I switch from Medicare Advantage to Medigap?
- How are Medicare agents paid?