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LTDT Insurance

A modern insurance agency with old fashion ways



Additional Information

Many qualify for Medicare but don't realize that they have options when it comes to choosing the plan that works best for their situation. LTDT Insurance is here to help you through the process.  Our agents are here to help you explain your Medicare Health Insurance, what it pays for and what it does not pay for.  

We will help to see which plan is best for you.  Everyone is different and you should talk to an independent insurance agent that has your interest in mind over theirs.  

That is what we are here to help you with.  

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You can always find out more information by calling one of our agents or email us.   Of course an appointment is the best way to find your Medicare options.

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LTDT Medicare

Medicares’ 3 Day Rule

Medicares’ 3 Day Rule – 2 Words That Cost Medicare Patients Thousands.  When it comes to Medicare claims, it’s all about the fine print on your hospital chart.  Find out how being “under observation” can cost you.  Medicare recipients have no skilled nursing benefits if they aren’t admitted for 3 nights. 

Turning 65 Medicare Top 5 Mistakes

 Top 5 mistakes people make before becoming Medicare Eligible.  Please visit our site at 


10 things to know about your new Medicare card

Things you need to know about your NEW Medicare card. Please visit our site at https://ltdtinc.com

NOTE: Cards for Florida are in the mail starting August 21, 2018.  If  you have not received your new Medicare card by now, contact your Social Security office to see why.