Doctor's Choice

Doctor's Choice Doctor's Choice is medicare made easy. Our personalized consultations are reviewed yearly when insurers change Medicare plan coverage options.

We educate, empower and advocate to help individuals and employers transition medicare eligible people to the best plan to maximize benefits, get the healthcare they deserve at a price they can afford. Doctor's Choice is a Medicare consulting company that helps businesses and individuals learn about and enroll in Medicare plans. From Part A, Medicare Advantage, and Part D and more, Doctor's Choice agents are well versed in all the insurance products on the market in order to ensure each client selects the optimal coverage for their unique needs. Doctor's Choice is a licensed independent insurance agency, which allows our agents to consult and offer plans from multiple insurance companies, resulting in each client receiving the best possible option.

09/14/2025

Employers are stuck: cut benefits or cut jobs to cover rising healthcare. Meanwhile, small physician groups can’t win rate negotiations—so they sell to big hospital systems.

Fewer systems = more pricing power, higher costs, and less choice for patients.

Follow for plain-English breakdowns of healthcare + money. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/13/2025

I’m Johnny Luo from Doctor’s Choice. We shrug and say “it’s just inflation,” but in any other market this wouldn’t be normal.

So what’s driving costs? 1) Consolidation 🧲 2) Administrative bloat 🧾 3) Misaligned incentives 💳. If nothing changes, we hit an affordability impasse.

Follow for plain-English breakdowns. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/13/2025

He couldn’t afford to keep staff—so he sold to a hospital system. Big systems have leverage with insurers, but they also run on entry-level roles (admins, CNAs) whose wages jumped 15–30%. Thin margins + rising labor = higher prices pushed to insurers… then to you.

That’s the impasse behind today’s bills.

Follow for plain-English healthcare breakdowns. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/13/2025

After the pandemic, entry-level pay jumped 15–30%. Big employers can cover it—small practices running thin margins can’t.

CNAs ask: risk a bad back lifting all day… or take WFH/call center or $20/hr + benefits at Starbucks? Most choose the better conditions. Result: hiring gaps, burnout, and clinics closing.

Follow for plain-English breakdowns on healthcare & money. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/12/2025

I’m Johnny Lou from Doctor’s Choice. People shrug and say “it’s just inflation,” but in any other market this wouldn’t be normal.

Here’s why costs are skyrocketing: consolidation 🧲, admin bloat 🧾, and misaligned incentives 💊💳.

We’re nearing an affordability impasse.
Follow for plain-English breakdowns. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/09/2025

If your phone bill jumped 30% every year, it would double in ~2–3 years—then keep doubling.

That’s compounding. We shrug at “it’s just inflation,” but in any other market we’d call it a crisis. The flip side? If your investments compound at 30% YoY, wealth explodes.

Follow for no-BS money math you can use. 🔔 Save & share. 🔁



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/09/2025

Would you take a job with better hours and a $5–10k sign-on bonus? 💸 So did my friend’s staff. He’s a 2nd-generation orthopedic doc, but for 20 years his pay has dropped year after year.

As a small practice, he can’t match big-system perks or negotiate like they do—so margins shrink, teams leave, and independent medicine fades. 🏥➡️🏢

Follow for straight talk on healthcare, money, and what it means for patients. 🔔 Save & share to spread awareness! 📲



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/06/2025

Case playbook (education only):

- Verify premium-free Part A via Social Security using the spouse’s work history.
- Enroll in Part B (around $185/month, more with higher income/IRMAA).
- Decide between Medigap or Medicare Advantage based on doctors, meds, and budget.
- If you pick Medigap, don’t forget Part D to avoid late-enrollment penalties.
- Document everything in writing and compare total cost of care.

Drop questions below and follow for clear, no-jargon Medicare guidance.



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/05/2025

Scenario: Spouse is on Medicare; you’re under 65. Should you take COBRA or go ACA?
What to know:

• If you’re the only one on COBRA, it should price at the single rate (often ~$1,000–$1,500/mo, employer/plan dependent)
• COBRA typically lasts 18 months unless new employer coverage starts
• ACA can be more expensive without tax credits, especially in your 50s–60s (age-rated premiums)
• Many ACA plans carry higher deductibles ($1.5k–$6k+)
• Compare total cost, network, and RX—not just the sticker premium

Drop questions below and follow for plain-English breakdowns.



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/04/2025

Scenario: Wife moves to Medicare; husband is under 65 and not disabled.

He won’t qualify for Medicare, so his choices are single COBRA or an ACA plan.
What to know:

• If only he takes COBRA, it should price at the single rate (not family)
• Many “good” COBRA plans run ~$1,000–$1,500/mo (plan- and employer-dependent)
• COBRA typically lasts 18 months unless he gets a new job with coverage
• Always compare against ACA (subsidies, doctors, meds, deductibles)

Questions? Drop them below, and follow for plain-English Medicare guidance.



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/03/2025

When one spouse is Medicare-eligible and the other is between jobs, you don’t have to stay on the same plan. We often decouple:

• She evaluates Part B + Medigap/MA + Part D
• He uses COBRA/ACA or moves to a new employer plan later
• Compare total cost & coverage instead of headline premiums
• Confirm creditable coverage and enrollment timing to avoid penalties

Often, she remains on Medicare even after he’s re-employed. Drop questions below and follow for practical Medicare guidance.



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

09/02/2025

Case: She has COBRA (18 months) at ~$3,000/mo for two people or an ACA plan at ~$2,200/mo (not great coverage).

She’s confused about Social Security/Medicare, spouse eligibility, and whether Part A/B are required.

My framework:

• Call Social Security to confirm premium-free Part A via spouse’s work record (bring documentation)
• Don’t rely on COBRA for Part B timing—Medicare expects Part B to be primary at 65+
• If eligible for premium-free Part A, understand how that affects ACA subsidies
• If Part A premium applies (often $500+/mo), compare against COBRA/ACA + Part B/Part D
• Build a decision tree: Part B now → Medigap or Advantage → Part D/creditable drugs
Questions? Drop them below and follow for practical, plain-English Medicare guidance.



“This is for educational purposes only and not to be taken as advice to act on. always consult with a licensed Medicare broker in your area.”

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Orlando, FL
02886

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
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+14014047373

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Our Story

Instead of practicing medicine after finishing Medical School at Brown University, I chose a different career path--to improve the healthcare system.

After spending time working in a primary care office, it became clear that we're doing no favors for the health of our nation's seniors. Medicare is confusing. From talking with my patients, I found that the average senior spends 40 hours trying to figure out how to enroll in Medicare. What's worse, if they make mistakes during the enrollment process, they can be required to pay penalties for the rest of their life.

I believe that making the right choices for our health should be easy. So I embarked on a journey to learn every detail and loophole of Medicare. And I used what I learned to bring seniors a service to guide them before, during and after their transition to Medicare.

By serving seniors with integrity and providing them with personalized, unbiased guidance, we make Medicare easy, and even enjoyable for our members.