Tampa Bay is home turf for Freedom Health and Optimum HealthCare, and Hillsborough's Medicare menu runs from their plans to the national carriers and Medigap. We help you compare the whole field independently — free to you.
Here’s what’s actually available this year, from the government’s published plan data — not a sales pitch.
people on Medicare in Hillsborough County
plans available in Hillsborough County
insurance carriers to choose from
Medicare Advantage plans with a $0 premium
plans rated 4+ stars by Medicare
carriers quoting Medigap plans
Carriers with a checkmark are ones we’re appointed with — we can enroll you in their plans directly, at no extra cost.
Select which plan type:
Devoted Health · HMO
A carrier we work with
Devoted Health · HMO
A carrier we work with
Devoted Health · HMO
A carrier we work with
Devoted Health · HMO
A carrier we work with
Solis Health Plans · HMO
Showing 5 of 133 plans, ordered by Medicare star rating. See all
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Rather talk it through? Schedule a call — we’ll compare plans with you and handle enrollment.
Plan availability, premiums, and star ratings are from the CMS 2026 Medicare plan landscape data (updated 2026-10-07). Beneficiary counts are from the CMS Medicare Monthly Enrollment data (June 2026). Premiums shown may not reflect Part B premiums or low-income subsidies. Medigap benefit descriptions follow the federal standardized plan charts; Medigap premiums vary by age, ZIP code, and carrier and are not shown. Verify details with the plan or Medicare.gov before enrolling.
It’s the question I hear most. Networks are set plan by plan — not by carrier — so a doctor who takes one plan from a carrier may not take another. These are the names Hillsborough County seniors ask about most. I don’t publish who takes what — networks change too fast — but here’s how to check any of them against any plan.
Participation varies plan to plan, even within one carrier — always confirm with the plan’s directory and the doctor’s office.
Worth knowing: Three systems dominate, each with its own large employed group — BayCare, AdventHealth, and the Tampa General/USF academic partnership — alongside the big independent Florida Medical Clinic.
Want a particular hospital no matter what? Original Medicare plus Medigap covers any provider who accepts Original Medicare — no networks to check.
Bring your doctor list to a free consult — I’ll check it against every plan you’re considering. Or run the check yourself:
We work with Medicare beneficiaries throughout Hillsborough County, including Tampa, Brandon, Riverview, Plant City, Temple Terrace, Valrico, Lutz, and Sun City Center. Wherever you are in the county, every conversation happens by phone or video — no office visit required.
Short, direct answers to the questions Hillsborough County residents ask us most.
Candor Medicare is an independent Medicare agency serving Hillsborough County, Florida, founded by licensed agent Eric Ullrich (FL license #G335948). Candor compares Medicare Advantage, Medigap, and Part D plans from multiple carriers, checks your doctors and prescriptions against a plan before you enroll, and charges you nothing — help is free by phone or video.
Hillsborough County has 133 Medicare Advantage plans from 22 carriers for 2026, and 98 of them have a $0 monthly plan premium (you still pay the Part B premium). Candor is appointed in Hillsborough County with Aetna, Devoted Health, Freedom Health, Optimum HealthCare, and UnitedHealthcare, and can enroll you directly in those carriers' plans. Plan menus change every year, so compare on doctors, drugs, and total cost — not premium alone. Source: CMS plan landscape data.
Often, yes — but networks are set by each individual plan, not by the carrier, so the same doctor can be in one FL plan and out of another from the same company. Seniors in Hillsborough County most often ask about BayCare Medical Group, Florida Medical Clinic (Orlando Health), and USF Tampa General Physicians. Before enrolling, check every doctor against the exact plan name and contract number, and confirm with the doctor's office. Medigap has no networks: it works with any provider who accepts Original Medicare.
Nothing. Working with an independent Medicare agent like Candor Medicare costs you $0 — agents are paid by the insurance carrier if you enroll, and your plan premium is exactly the same whether you enroll through an agent, through the carrier, or on Medicare.gov. The advice, doctor checks, and annual reviews are free to you in Hillsborough County and statewide.
Most Hillsborough County residents change Medicare Advantage or Part D plans during the Annual Enrollment Period, October 15 through December 7, for coverage starting January 1. If you are already in a Medicare Advantage plan, you get a second window January 1 through March 31 to switch once. Moving, losing other coverage, or other life changes can open a Special Enrollment Period at other times of year.
You do not need to visit an office. Book a free call with Candor Medicare online or start by entering your ZIP code to compare Hillsborough County plans yourself. Bring your doctor list and prescription list to the call — checking both against a plan before you enroll is the step that prevents most Medicare surprises, and it is free.
Independent advice, free to you. We’re licensed in Florida and California.