TERMS & POLICIES
Did you know Original Medicare only pays 80% of your medical costs? I’ll help you protect your retirement savings from the other 20%
David Llombart
Licensed Medicare Agent
FL License #G216547
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website is owned and operated by David Llombart, a licensed Medicare insurance agent (Florida License #G216547).
Terms & Conditions
Effective Date: June 27, 2025
By accessing this website or scheduling a consultation, you agree to the following terms:
1. Who We Are
David Llombart is a licensed Medicare Specialist (FL Lic. G216547) providing educational and enrollment guidance for Original Medicare, Part C, Part D, and supplemental plans.
2. Not Government Affiliated
David is not affiliated with or endorsed by the U.S. government, CMS, or Medicare.gov. We are a licensed independent agent, contracted with insurance carriers to offer Medicare-related plans.
3. Eligibility
Services are available to individuals 18+ in eligible U.S. states (primarily FL, NJ). You must provide truthful, accurate information during consultations.
4. No Cost for Services
There is no cost to you for consultations. If you enroll in a plan, the insurance carrier may compensate David as a licensed agent. This does not influence which plans are recommended.
5. Appointment Rules
- Please cancel or reschedule appointments 24 hours in advance.
- Submitting your contact info gives permission to be contacted by phone, text, or email — including by automated dialing systems, where permitted.
6. Intellectual Property
All site content (text, photos, logos) is owned by David Llombart. You may not reproduce or reuse without written consent.
7. Limitation of Liability
We provide guidance based on current plan information. However, plan availability, coverage, and premiums may change. We are not liable for damages arising from use of this website or services.
8. Governing Law
These terms are governed by the laws of the State of Florida. Disputes shall be resolved in Florida jurisdiction.
9. Contact
If you have any questions, please contact David directly at:
📧 david.llombart@bankerslife.com
📍 Based in Miami, FL
Privacy Policy
Effective Date: June 27, 2025
David Llombart (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information under applicable privacy laws, including HIPAA, CCPA (California), and GDPR (EU).
1. What We Collect
We collect personal information when you:
- Fill out a form (e.g., name, phone, email, address, DOB, ZIP)
- Schedule a Medicare consultation
- Visit our websites (davidllombart.com, askdavidmedicare.com)
- Interact with cookies, analytics tools, or email link.
- You may request access, correction, or deletion of your data at any time by emailing: 📧 david.llombart@bankerslife.com
2. How We Use Your Information
We use your data to:
- Contact you about Medicare plan options
- Schedule appointments or follow up on your request
- Provide licensed guidance on Medicare, Medicare Advantage, Part D, and Medigap plans
- Share plan information from partner carriers (e.g., Bankers Life, Washington National)
- Comply with legal obligations (e.g., CMS compliance)
We do NOT sell, rent, or share your data with any third party.
3. Your Rights (CCPA/GDPR)
You have the right to:
- Access your data
- Correct or update inaccurate information
- Request deletion (where legally possible)
- Opt out of data sharing (excluding legally required disclosures)
- Withdraw consent (for EU residents)
You may request access, correction, or deletion of your personal data at any time by emailing: 📧 david.llombart@bankerslife.com
4. HIPAA & Health Data
While we do not process full medical records, any data shared regarding your health insurance eligibility or plan preference is protected under HIPAA guidelines. We take all reasonable steps to ensure your data is securely stored and transmitted.
5. Cookies & Analytics
Our websites may use cookies and third-party analytics (e.g., Google Analytics, Calendly tracking, Forminator forms). You can disable cookies via your browser at any time.
6. Third-Party Links
We link to third-party sites such as:
We are not responsible for their privacy practices.
7. Policy Updates
We may update this policy. We recommend reviewing it periodically.
8. Security
Your information is protected using appropriate safeguards.
9. Complaint Access
To file a complaint about your Medicare experience, visit www.Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Frequently Asked Medicare Questions
Get answers to common Medicare questions to help you better understand your coverage options and make informed decisions.
When should I sign up for Medicare?
Most people should sign up for Medicare during their Initial Enrollment Period (IEP), which is the 7-month period that begins 3 months before the month you turn 65, includes your birth month, and extends 3 months after. If you’re still working and have employer coverage, you may qualify for a Special Enrollment Period later.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare (Parts A & B) and often includes prescription drug coverage and extra benefits like dental and vision. Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs like deductibles and coinsurance. You cannot have both Medicare Advantage and Medicare Supplement at the same time.
Do I need to sign up for Medicare if I'm still working and have employer coverage?
It depends on your situation. If you work for a company with fewer than 20 employees, Medicare is typically primary, so you should enroll when first eligible. If you work for a larger employer, you may be able to delay Medicare enrollment without penalty. Either way, it’s generally recommended to at least enroll in premium-free Medicare Part A when you’re first eligible.
What does Medicare Part D cover?
Medicare Part D provides prescription drug coverage. Each Part D plan has its own formulary (list of covered drugs) categorized into tiers that determine your cost-sharing amount. Plans typically cover most commonly prescribed medications, but coverage and costs vary between plans. It’s important to check if your specific medications are covered when comparing Part D plans.
How much does Medicare cost?
Medicare costs vary by part. Most people get Part A premium-free if they’ve worked and paid Medicare taxes for at least 10 years. Part B has a standard monthly premium ($170.10 in 2023 for most people), which may be higher based on income. Part D and Medicare Advantage premiums vary by plan. There are also deductibles, copayments, and coinsurance for services used.
How do I choose the right Medicare plan for my needs?
To choose the right Medicare plan, consider your healthcare needs, budget, preferred doctors and hospitals, prescription medications, and additional benefits you may want. Compare Original Medicare plus a Supplement and Part D plan versus Medicare Advantage plans available in your area. Consulting with a Medicare specialist can help you evaluate your options and find the best fit.
What is the Medicare donut hole or coverage gap?
The Medicare donut hole, or coverage gap, is a temporary limit on what most Part D plans cover for drugs. In 2023, once you and your plan have spent $4,660 on covered drugs, you’re in the coverage gap. While in the gap, you pay no more than 25% of the cost for covered brand-name and generic drugs. You exit the gap when your out-of-pocket costs reach $7,400, after which catastrophic coverage begins.
Can I change my Medicare plan after enrolling?
Yes, you can change your Medicare plan during specific enrollment periods. The Annual Enrollment Period (October 15-December 7) allows you to change between Original Medicare and Medicare Advantage or switch Part D plans. Medicare Advantage enrollees can also make one change during the Medicare Advantage Open Enrollment Period (January 1-March 31). Special Enrollment Periods may apply in certain circumstances like moving or losing other coverage.
Have a Medicare question that’s not answered here? We’re happy to help.
What Our Clients Say
We’ve helped thousands of Medicare beneficiaries find the right coverage for their needs. Here’s what some of them have to say.
David took the time to explain all of my Medicare options in terms I could understand. He helped me find a Medicare Advantage plan that includes my doctors and covers my medications at an affordable cost.
I was overwhelmed by all the Medicare mailers and commercials. David guided me through the process step by step and found me a Medigap plan that gives me peace of mind knowing my healthcare costs are predictable.
When my employer health coverage ended, I had no idea how to transition to Medicare. David made the process simple and stress-free. He even helped me apply for Extra Help to lower my prescription costs.
Ready for Expert Medicare Guidance?
Join thousands of satisfied clients who have found the right Medicare coverage with our help. Our service is always free, with no obligation.
Helping you navigate the complex world of Medicare with expert guidance and personalized solutions.
David Llombart – Licensed Medicare Insurance Agent
Florida License #G216547
Serving South Florida from Miami to the Keys and West Palm Beach