Florida has one of the highest Medicare enrollment rates in the country — and some of the most state-specific rules. Where you are changes what matters most.
Find your county below, or schedule a call and we’ll take it from there.
Your Medigap premium locks in at the age you enroll, not the age you are now. Timing matters more here than in most states.
Florida has one of the highest MA penetration rates in the US — and some of the most plan exits and benefit cuts in recent years.
A large share of Florida enrollees split time between states. Most MA plans only cover emergencies outside their network.
Who we help in Florida
You winter in Florida but live elsewhere part of the year. Medicare Advantage plans may not cover you where you need care most.
Learn why this mattersYou're approaching Medicare eligibility. With FL's issue-age rating, getting this right at 65 has lasting financial impact.
Read the month-by-month checklistBefore you decide
Florida has one of the highest MA penetration rates in the country. Many people choose it for the $0 premium — but close that Medigap window and it may be expensive later.
If you spend part of the year outside Florida, your MA plan may only cover emergencies in your home state. Routine care in your other state is out-of-pocket.
COBRA is not qualifying coverage. Your Medicare enrollment clock started when you left employment — not when COBRA runs out. Many Floridians miss this and pay penalties.
Answer a few questions and compare Medicare plan options matched to your doctors, prescriptions, and budget — online in minutes, or with a licensed advisor at no cost to you.
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