JT Solutions
Medicare Benefits Advisors
Free, no-pressure help reviewing Medicare Advantage options in Miami, Hialeah, Doral, Kendall, Miami Beach and every Miami-Dade community — from a licensed advisor who answers the phone himself. English · Español.
📅 Turning 65 within the next year?
Your Initial Enrollment Period runs seven months — the three months before your birthday month, the month itself, and the three months after. Late enrollment penalties may apply for Part B and Part D if you wait.
Miami-Dade is Florida's most populous county, and it is also one of its most bilingual. Plan availability, provider networks and benefits are set county by county, so the plans that matter to you are the ones sold in your ZIP code — and the doctors that matter are the ones in that plan's network.
I am Jonathan Tirado, a licensed insurance agent. I currently represent 7 Medicare plan organizations, and I can review the plans those organizations offer in your Miami-Dade County service area.
JT Solutions does not charge you a fee for an insurance consultation or enrollment assistance. If an enrollment occurs, compensation may be paid by the insurance organizations we represent. Our review is limited to plans offered by those organizations in your service area.
Don't see your city? If you live in Miami-Dade County, I can help. Give me your ZIP code and I will check what is available where you live.
Many Miami-Dade residents want a doctor who speaks Spanish. Provider directories often list the languages a doctor speaks, and I can check that along with network participation. Send me your doctors' names and I will verify each one before you commit to anything.
Miami-Dade covers a lot of ground. A primary care doctor in one part of the county and a specialist in another may not both be in the same plan's network. I check the full picture: primary care, specialists and the hospitals you would actually use.
Every plan has its own drug list (formulary) and its own pharmacy network. I compare your actual prescriptions against the plans available in your ZIP code, so you see what each one would cost in a normal year and in a bad year.
| Period | Dates | What you can do |
|---|---|---|
| Annual Enrollment Period (AEP) | Oct 15 – Dec 7, 2026 for coverage starting Jan 1, 2027 |
Join, switch or drop a Medicare Advantage or Part D plan. This is the main window. |
| Medicare Advantage Open Enrollment | Jan 1 – Mar 31 | Already in a Medicare Advantage plan? Make one change — to a different MA plan or back to Original Medicare. |
| Initial Enrollment Period | 7 months around your 65th birthday | Enroll for the first time. Starts 3 months before your birthday month, ends 3 months after. |
| Special Enrollment Periods | Varies | Triggered by moving, losing employer coverage, qualifying for Medicaid or Extra Help, a plan leaving your area, or a federally declared disaster. |
Yes. Consultations are available in English and Spanish, by phone or video.
Often yes, but it has to be verified plan by plan. Send me your doctors' names and I will confirm network participation before you decide.
You may qualify for a Dual Eligible Special Needs Plan (D-SNP), depending on your Medicare and Medicaid status and plan availability in your service area. Benefits and eligibility vary by plan.
JT Solutions does not charge you a fee for an insurance consultation or enrollment assistance. If an enrollment occurs, compensation may be paid by the insurance organizations we represent.
Also serving: Broward County · Palm Beach County · All of Florida
No cost. No obligation. No high-pressure sales call. Just a straight answer about what is actually available in your county.
786-671-5709 (TTY 711)
Miami-Dade · Broward · Palm Beach · and all Florida counties
English · Spanish
Complete the form and I'll reach out within one business day.
PLAN BENEFIT NOTICE: Not all plans offer all benefits mentioned on this website. Benefits vary by plan and service area. Limitations, exclusions, eligibility requirements, copayments, and restrictions may apply. Verify plan details before enrolling.
IMPORTANT DISCLAIMER: JT Solutions is an independent, licensed insurance agency. We are not affiliated with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any federal agency. Medicare has neither reviewed nor endorsed this information.
We do not offer every plan available in your area. JT Solutions currently represents 10 Medicare plan organizations. Any information we provide is limited to the plans offered by those organizations and available in your service area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare Advantage and Prescription Drug plans are offered by private insurance companies that contract with Medicare. Plan availability, premiums, benefits, provider networks, formularies, and cost-sharing vary by plan and service area and may change each year. Limitations, copayments, restrictions, and eligibility requirements may apply. You must continue to pay your Medicare Part B premium unless otherwise paid for under Medicaid or by another third party.
This is a solicitation of insurance. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. TTY: 1-877-486-2048.