Michael KovacsHosted by a 501(c)(3) nonprofitMichael Kovacs
U.S. Retirement Education Association
Medicare 101Free 1-hour workshop hosted by U.S. Retirement Education · In person & online

Everything you need to know about Medicare

A plain-English session for anyone approaching 65 — how the parts work, what it really costs, and when to enroll. Educational only, free to attend, and never a sales pitch.

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No cost to attend. Choose a session, then complete the short form below.

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What we cover

Michael Kovacs

No jargon, no slides full of fine print — just the parts that actually change what you pay and what you’re covered for.

1
What Parts A & B actually coverThe gaps most people don’t realize they have until they need care.
2
What Medicare really costs in 2026The premiums plus the surprise expenses that catch new enrollees off guard.
3
The enrollment windows that matterHow one missed deadline can trigger penalties that last for life.
4
How Medicare works with employer coverageSo you don’t pay twice or give up benefits you’re entitled to.
5
How to match coverage to your real needsInstead of a generic plan built for someone else’s situation.
6
Straight answers to your own questionsPlus the common misconceptions that trip people up.
Your presenter

Michael Kovacs

Michael Kovacs
Independent Medicare Advisor
  • Limited Seats
  • Independent Agent
  • Medicare Guidance
  • No-Pressure Advice

Michael Kovacs is the President of Florida Retirement Group (FRG) as an insurance & financial services professional.

In 2010, Michael began his career with Bankers Life & Casualty in Central Florida. In August 2013, he joined Futurity First, an independent insurance and investment group. In 2017, Michael co-founded Florida Retirement Group, an independent insurance, and financial services agency to help eliminate the complexities around insurance and investments.

He believes that with his knowledge and expertise in his field, he can provide information and education on the issues facing pre and post-retiree markets. Attention to detail, excellent listening skills, and empathy are characteristics his clients appreciate.

A team of investment product specialists, and tax and estate planners supports him. Their teamwork and professionalism help Michael build long-term relationships with his clients and provide thorough advice with enhanced customer service. Doing what’s right for the client is a motto Michael lives by daily, and he is passionate about his work.

Michael is a member of NIAFA and the exclusive Million Dollar Round Table Association. He holds a Series 6 Securities License, 215 Insurance License, and the CLTC (Certified Long Term Care) designation. Michael aims to grow continually in and out of the office.

Michael lives in St. Petersburg with his wife, Annie, and their son, Bowie. Away from the business, he enjoys traveling and creating memories with friends and family.

Michael’s most significant observation over the years has been that, people don’t plan to fail; they fail to plan.

501(c)(3) nonprofit
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 118 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

This event is hosted by a 501(c)(3) nonprofit organization and is intended solely for educational purposes. It is not a sales presentation. No insurance products will be marketed or sold. The presenter is not affiliated with Medicare, CMS, or any government agency.

Workshops provided by U.S. Retirement Education Association.

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