No Cost Medicare Help for Florida, by Phone and Video
Lara is licensed in 11 states including Florida and works with clients from Pensacola to Key West without either party leaving home. Carriers pay the agent, so clients never pay a fee and premiums are identical either way. Trilingual service in English, Spanish, and Hebrew is especially useful in Miami and the rest of South Florida, where a plan document in the wrong language is the difference between a confident decision and a guess.
Medicare in Florida: What to Know First
Florida has about 4.8 million Medicare beneficiaries, roughly 22 percent of the state population, one of the largest Medicare markets in the country. As of January 2026, 57 percent of Florida beneficiaries were in Medicare Advantage plans, above the national average. That means most Florida shoppers face a crowded Advantage market with big county to county differences. Original Medicare, Parts A and B, is the federal foundation. Medicare Advantage replaces the way you receive that coverage through a private plan with a network. Medigap sits alongside Original Medicare and pays much of what Medicare does not, and Part D covers prescriptions. SHINE, Florida's free state SHIP counseling program, is available at (800) 963-5337 as a neutral resource. The 2026 numbers for Florida, from the official CMS Landscape file: 325 distinct Medicare Advantage plans are offered in at least one Florida county, 294 of them with a $0 monthly premium where offered, plus 286 Special Needs Plans. The in network out of pocket maximums on those plans run from $500 to $9,250, with a median of $3,900. What is actually available depends on your county, which is exactly what we check at your address (Goulson analysis of CMS CY2026 Landscape data).
Medicare Open Enrollment Runs October 15 to December 7, 2026
The Annual Enrollment Period for 2027 coverage runs October 15 to December 7, 2026. You can change Medicare Advantage and Part D plans, effective January 1, 2027. Florida plans change benefits, networks, and county footprints every year, more visibly than in most states. Read your Annual Notice of Change when it arrives in September and book a review early, before the December rush.
Florida Medigap Rules Worth Knowing
First, Florida requires issue age pricing for Medigap, so your premium is based on your age when you buy and cannot rise simply because you got older. That makes your first plan choice matter more, and it rewards enrolling as early as you are eligible. Second, Florida has no birthday rule, unlike California or Oregon, so switching Medigap later usually requires medical underwriting outside guaranteed issue situations. Third, if you are under 65 and on Medicare due to disability or ESRD, Florida law requires insurers to offer Medigap, with a 6 month guaranteed issue window after Part B enrollment. Premiums can be higher, but access is guaranteed.
Serving Miami, Tampa, Orlando, and Jacksonville
Miami-Dade has the densest Advantage market in the state, and Spanish language help matters as much as the plan comparison itself. Tampa and Hillsborough County have their own carrier mix and hospital contracts. Orlando and Orange County attract retirees from across the country who arrive with coverage designed for another state. Jacksonville and Duval County round out the four. A plan a friend loves in another city may not exist in yours, or may price and network completely differently, so every comparison starts with your zip code.
Why an Independent Agent Beats Calling Carriers
A carrier's phone line shows only that carrier's plans. An independent agent compares multiple carriers, checks your doctors and drugs against each plan, costs nothing extra, and provides year round service after enrollment. Medicare also covers very little long term care, and Florida families ask about that constantly, so it is worth planning before it is urgent.
Florida Medicare: Talk to a Licensed Agent
Medicare is easier when someone reads the fine print with you. Lara Goulson is licensed in Florida and ten other states, compares plans from multiple carriers, and stays available after you enroll, when the questions about claims, drug tiers, and provider changes actually show up. There is no fee for any of it. Carriers pay agent compensation, so a Florida resident pays exactly the same premium whether they enroll through Lara, through a call center, or on their own.
Call or text (818) 472-5484 for a free Florida Medicare review. No cost, no obligation, and your premium is the same either way.
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