Medicare Advantage (Part C)
All-in-one plans that often bundle hospital, medical and drug coverage, plus extras like dental, vision and hearing. Networks and benefits vary by county.
Medicare made clear — for every county in Florida.
Turning 65, retiring, or unhappy with your current plan? We're contracted with multiple leading Medicare carriers and serve all Florida counties, so the recommendation fits you — not a quota.
Plans we can help with
Medicare Supplement (Medigap)
Pairs with Original Medicare to help cover deductibles, copays and coinsurance. Use any provider nationwide that accepts Medicare.
Prescription Drug Plans (Part D)
We run your exact medication list against each plan's formulary and pharmacy network so you're not surprised at the counter.
Medicare in Florida — by plan type
A closer look at each type of Medicare coverage, how Florida plan availability typically works, and who each option usually fits best. Licensed in Florida and able to help clients in select other states as well.
Medicare Advantage plans in Florida
Medicare Advantage (Part C) plans are offered by private carriers approved by Medicare and replace how you receive your Part A and Part B benefits. Florida is one of the most competitive Advantage markets in the country, and plan availability, provider networks and extra benefits change from county to county — a plan that's strong in Hillsborough may not be offered in Citrus.
- Many plans include prescription drug coverage in one package
- Extras can include dental, vision, hearing and over-the-counter allowances
- Provider networks (HMO or PPO) and out-of-pocket maximums vary by plan
- Availability and benefits are county-specific in Florida
Medicare Supplement (Medigap) plans in Florida
A Medicare Supplement policy works alongside Original Medicare to help pay the deductibles, copays and coinsurance that Medicare leaves to you. Plans are standardized by letter — Plan G and Plan N are the most common choices for people new to Medicare — so the difference between carriers is mainly price, rate history and service.
- See any provider nationwide that accepts Medicare — no networks
- Standardized benefits by plan letter, so premiums are the key comparison
- Best time to enroll is your Medigap open enrollment window
- Pairs with a separate Part D plan for prescriptions
Medicare Part D prescription drug plans
Part D covers prescription drugs and is offered through standalone plans or built into a Medicare Advantage plan. Every plan uses its own formulary and preferred pharmacies, so the same medication can cost very differently from one plan to the next. We check your exact drug list, dosages and pharmacy before you enroll.
- Your medication list checked against each plan's formulary
- Preferred pharmacy pricing can meaningfully lower your annual cost
- Late enrollment penalties may apply without creditable coverage
- Plans change each year — worth reviewing every fall
Turning 65 or retiring in Florida
Your Initial Enrollment Period runs seven months around your 65th birthday. If you're still working with employer coverage, or retiring later, different rules and Special Enrollment Periods apply. We'll map out your timeline so you don't miss a window or take on a penalty you didn't need.
- Initial Enrollment Period: 3 months before through 3 months after your birthday month
- Special Enrollment Periods for moving, retiring or losing group coverage
- Guidance on coordinating Medicare with employer or VA coverage
- Help with Social Security and Medicare enrollment steps
Where we serve: Tampa Bay & all 67 Florida counties
Kevin is based in Hillsborough County and focuses on the Tampa Bay and Nature Coast region — Hillsborough, Pasco, Hernando, Citrus and Pinellas counties — with plan reviews available in every county in Florida by phone or video. Clients in select other states are welcome too.
Hillsborough County
Kevin's home county — Tampa, Brandon, Riverview and Plant City. In-person appointments available.
Pasco County
Wesley Chapel, Land O' Lakes, New Port Richey and Zephyrhills — one of Florida's fastest-growing retiree areas.
Hernando County
Spring Hill and Brooksville, with a large Medicare-eligible population comparing Advantage and Medigap each year.
Citrus County
Crystal River, Inverness and Homosassa — Nature Coast clients who want a local person to call.
Pinellas County
St. Petersburg, Clearwater and the beaches, where plan and network options change block to block.
All 67 Florida counties
From Jacksonville to Miami to the Panhandle, plan reviews are available statewide by phone or video — plus select other states.
Not in one of these counties? Medicare plan reviews are available statewide — from the Panhandle to the Keys. Request a free plan review.
Medicare enrollment periods explained
There are two main windows each year to change your Medicare coverage — and even outside of them, a Special Enrollment Period may let you make a change.
Annual Enrollment Period (AEP) — Oct 15 to Dec 7
This is the big one. Anyone with Medicare can make changes, and the new coverage starts January 1.
- Join, switch or drop a Medicare Advantage plan
- Join, switch or drop a Part D prescription drug plan
- Return to Original Medicare from a Medicare Advantage plan
- Plans change every year — worth reviewing your drugs and doctors each fall
Medicare Advantage Open Enrollment — Jan 1 to Mar 31
This window applies only if you are already enrolled in a Medicare Advantage plan. You get one change, and the new coverage generally starts the first day of the following month.
- Switch from one Medicare Advantage plan to another
- Leave Medicare Advantage and return to Original Medicare
- Add a standalone Part D plan when you return to Original Medicare
- It does not let someone with only Original Medicare join an Advantage plan
Not to be confused with the General Enrollment Period, which also runs January 1 – March 31 but is for people signing up late for Medicare Part A or Part B.
Outside those windows? You may still qualify — Special Enrollment Periods (SEPs)
A Special Enrollment Period is a window triggered by a life event that lets you change plans outside AEP or the Advantage open enrollment window. Most SEPs last about two to three months from the event, and the rules vary by situation — so it's worth a quick call before you assume you're locked in for the year.
You moved out of your plan's service area, or new plans became available where you live
You lost employer, union, retiree or COBRA coverage
You moved into, live in or moved out of a nursing home or skilled nursing facility
You qualify for Medicaid, Extra Help or a Medicare Savings Program — or you lost that help
You're enrolled in a Chronic Condition Special Needs Plan or become eligible for one
Your plan leaves Medicare, is terminated, or changes its contract in your area
You returned to the U.S. after living abroad, or were released from incarceration
A hurricane, tropical storm or other FEMA-declared disaster or emergency kept you from making a change during another enrollment period — a big one here in Florida
You enrolled in a plan based on incorrect or misleading information
Not sure whether you qualify? Call 813-360-1536 or request a free plan review and we'll check your situation.
How the review works
- 1
Review your situation
Doctors, medications, travel habits and budget.
- 2
Compare your options
We're contracted with multiple leading Medicare carriers serving Florida.
- 3
Enroll with support
We handle the paperwork and stay your point of contact all year.
- A real person to call with questions — before and after you enroll
- Annual Enrollment Period runs October 15 – December 7
- Special Enrollment Periods may apply if you move or lose coverage
Request your free Medicare review
Get personalized guidance from Kevin — no pressure, no obligation.
Medicare questions
Also protecting your family? See our life insurance options.