Steve Thornton, Medicare Insurance Broker
Steve Thornton
Legacy Life Group, LLC
Medicare Broker Licensed in FL
18+ Years of Experience
Contact Details
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Location
Lakeland, FL
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About Me
Legacy Life Group is a family-owned and operated independent insurance agency with 18 years of experience. Our award-winning team is a trusted leader in Medicare transition consulting. As Florida’s premier Medicare-specific insurance brokerage, we assist Medicare beneficiaries across the state in finding the best Medicare Supplement (Medigap), Prescription Drug Plan, and Medicare Advantage Plan options. Representing a wide range of insurance companies, we offer a variety of plans to suit different needs. Our knowledgeable agents are here to answer your questions and help you select the right plan for your health and budget.
Q&A with Steve Thornton
What are the reasons why I should work with a Medicare agent?
Answer: With over 18 years of experience helping seniors get the extra benefits they deserve, I’ve seen firsthand how overwhelming Medicare can be. That’s why working with a knowledgeable agent can make all the difference. Here’s why:
Maximizing Your Benefits – Many seniors miss out on extra help, such as dental, vision, hearing, and even money-saving programs. I specialize in finding benefits you may not know exist.
Simplifying the Process – Medicare is complicated, but I break it down so you can easily understand your options and make confident decisions.
Access to Multiple Plans – Instead of calling different companies, I compare plans for you, ensuring you get the best coverage for your health needs and budget.
No Cost to You – My services are completely free. I’m paid by insurance carriers, so you get expert help at no extra charge.
Year-Round Support – Medicare isn’t just about enrollment. I’m here to assist with claims, plan reviews, and any changes throughout the year.
Avoiding Costly Mistakes – I help seniors avoid penalties, coverage gaps, and expensive surprises by ensuring they enroll correctly and on time.
Peace of Mind – You shouldn’t have to figure this out alone. I make sure you feel confident that your healthcare needs are covered.
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: 1. Compare Plans Annually
Medicare plans change every year, including premiums, copays, and covered services. What was a good deal last year may no longer be the best option. The Medicare Annual Enrollment Period (Oct 15 - Dec 7) is the best time to review your plan.
2. Check for Extra Benefits
Many Medicare Advantage plans offer dental, vision, hearing, and even over-the-counter allowances at no extra cost. If you’re paying out-of-pocket for these, you may be able to switch to a plan that covers them.
3. Review Prescription Drug Costs
If you have a Medicare Part D or Medicare Advantage plan with drug coverage, make sure your medications are still covered affordably. Use Medicare’s Plan Finder tool (Medicare.gov) to compare drug costs.
4. Look for Assistance Programs
Depending on your income, you may qualify for Medicare Savings Programs, Extra Help for prescriptions, or Medicaid assistance, which could reduce your costs significantly. Many people don’t realize they qualify!
5. Work with a Licensed Medicare Agent
As a Medicare professional with 20 years of experience, I can compare plans for you, ensure you’re not paying for coverage you don’t need, and find ways to lower your costs—all at no charge to you.
Would you like a free plan review to see if you’re overpaying? Let’s connect and make sure you’re getting the most out of your Medicare benefits!