You are cordially invited to join us for a special workshop as we discuss important topics for those who are approaching age 65. Medicare 101 is a complimentary 45-minute informational presentation for the community brought to you by Florida Medicare 101. You don’t want to miss this event!
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About This Webinar
The world of Medicare can be intimidating and confusing, which is why we want to help ensure you are prepared as you turn 65. We offer easy to understand, comprehensive, informational tools to help guide you through the seemingly complex world of Medicare planning.

Medicare 101 offers a 45-minute presentation covering any questions you may have, including:
- How do Medicare parts A & B work?
- What does it cost?
- How do I figure out which plan is best for me?
- Do I have to enroll in Medicare?
- Is my employer’s plan better?
- Can my spouse and I have different plans?

We also cover which plans types are available in your area and what each plan type entails such as:
Medicare Advantage Plans (Part C)
Prescription Drug Plans (Part D)
Medicare Supplement Plans (Medigap)

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Michael Kovacs
Financial Advisor
Michael Kovacs is an insurance and financial advisor and the President of Florida Retirement Group (FRG). In 2010, Michael began his career in the insurance and financial services industry as an Insurance Agent with Bankers Life & Casualty. In 2013, unwilling to remain a captive agent for one company, he took the opportunity to advance his career and joined Futurity First, an independent insurance and investment group. In 2015, to offer more investment services, Michael became a certified and licensed Financial Advisor. In 2017, Michael co-founded Florida Retirement Group, an independent insurance & financial services agency. His career goal is to work for “you,” the client, with complete transparency and drastically reduce insurance and investments’ complexities.

Integrity is an integral component of Michael’s overall work ethic, something that is becoming hard to find. Attention to detail and excellent, timely communication is characteristics his clients appreciate. Michael excels at Medicare preparation, tax-free retirement roll-over planning, and investment income strategies, including portfolio design. He has effectively surrounded himself with a team of legal and tax professionals offering estate planning services.

Michael holds a Series 6 Securities License, Florida 215 Insurance License, and the CLTC (Certified Long Term Care) designation. He is a member of NAIFA and the exclusive Million Dollar Round Table Association. He is passionate about the work he does, and doing what is best for the client is a motto lived by daily.

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 aims to continually grow as a person in and out of the office.

Michael’s most significant observation over the years has been that people don’t plan to fail; they fail to plan.
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Bonnie Rende
Assistant
Originally from New York, Bonnie immigrated to Central Florida in 2010. Finding retirement unfulfilling, she joined Michael Kovacs as his Assistant in 2013, moving along with him in 2017 when he co-founded the Florida Retirement Group.
Bonnie takes great pleasure in assisting seniors to navigate the overwhelming Medicare process. She has been through it herself and has great patience and empathy for those who struggle with the how, when, and where of completing the Medicare transition.
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