Mario Davis, Medicare Insurance Agent
Mario Davis
Symbol Life and Health Insurance
Medicare Agent Licensed in FL, CA, LA, MO, OH, SC and TX
4+ Years of Experience
Contact Details
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Location
Davie, FL
Mario Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Mario Davis is the Founder of Symbol Life & Health Insurance. At Symbol Insurance, we help you make wise decisions in moments of confusion and vulnerability. Our work is honest, clear, and always leaves you better than we found you.
As a dedicated advisor, Mario helps individuals, families, and companies navigate Medicare and insurance with confidence. Whether planning for retirement, protecting your legacy, or maximizing your coverage, Mario guides you every step of the way...making complex decisions simple and actionable.
Q&A with Mario Davis
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: Remember, there really aren’t “free” Medicare plans, it comes down to how the costs are structured. Your friend most likely has a Medicare Advantage plan (Part C), while you have a Medicare Supplement (Medigap) plan.
With Medicare Advantage, premiums are often $0 or very low because the plan is funded partly by Medicare. However, you still must be enrolled in Part A and Part B, and Part B always has a monthly premium (usually deducted from Social Security). Advantage plans often include extras like dental, vision, or even allowances for groceries or utilities, but they come with networks, referral requirements, and higher potential out-of-pocket costs if you need care (though they do have an annual spending limit).
With a Supplement, like the plan you have, you pay more up front each month (your $200 premium), but most of your medical expenses are covered on the back end. You also have the flexibility to see almost any provider in the U.S. that accepts Medicare, with no referrals or network restrictions.
So it’s not random... it’s two different types of coverage models:
1. Advantage = lower monthly premium, more restrictions, possible higher costs when you need care.
2. Supplement = higher monthly premium, but much more predictable and comprehensive coverage.
So with all these 2025 Medicare changes, should I be switching plans or staying put?
Answer: It really depends on your personal needs and priorities. Every Annual Enrollment Period (AEP) brings changes, some positive, some not so much. The key is to make sure your plan still works for you. For some, the focus is keeping costs low. Others want to make sure their doctors stay in-network or that they can see any specialist without referrals. For many, prescription coverage is top priority. Whether you stay where you are or make a switch should come down to what matters most to you, and if you have any questions, I’d be happy to help you compare your options and decide.