When can I enroll or make changes?

Most people use the Annual Enrollment Period from October 15 to December 7. If you're new to Medicare, you have an Initial Enrollment Period around your 65th birthday, and life events like moving or losing employer coverage can open a Special Enrollment Period.

Advantage or Supplement — which is better?

Neither is universally better. It depends on your doctors, medications, travel, and how you prefer to pay: lower monthly cost with a network, or higher premium with broad nationwide access. We'll compare both against your actual situation.

Will my doctors and prescriptions be covered?

That's exactly what the review checks. We verify your providers and run your medication list through each plan's formulary before you enroll.

What does your help cost?

Nothing. Carriers compensate the agent, so the guidance and enrollment support are free to you.

Florida Medicare Plans | Advantage, Supplement & Part D

Plans we can help with

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 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 counties County

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.

How the review works

Review your situation

Doctors, medications, travel habits and budget.

Compare your options

We're contracted with all the top carriers serving Florida.

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

Kevin personally replies — usually the same day.

Medicare made clear — for every county in Florida.