Compare Your Florida Medicare
In Minutes
Trusted Carriers. Expert Guidance. Local Agents.
Finding the right Medicare coverage in Florida doesn't have to be complicated. At Landel Insurance, we help Florida seniors compare Medicare Advantage and Medicare Supplement plans from top-rated carriers. Whether you're turning 65, losing employer coverage, or looking to switch plans during Open Enrollment, our licensed Florida agents provide free, personalized guidance to help you find coverage that fits your healthcare needs and budget.
What Florida Residents Say About Landel Insurance
"Sean at Landel Insurance made the Medicare process so simple. He explained all my options clearly and found me a plan that saved me over $200 a month. Highly recommend!"
"After struggling with my homeowners insurance for years, Landel Insurance found me better coverage at a lower price. Their customer service is outstanding."
"Finally, an insurance agent who actually picks up the phone! Sean took the time to answer all my questions about health insurance options. No pressure, just helpful advice."
🎉 Thank you!
Here are your personalized 2026 Medicare options:
What Happens Next?
Your local licensed agent will contact you within 24 hours to review your personalized Medicare options and help you find the best plan for your needs and budget.
📞 Call (772) 874-3224 NowSpeak with a licensed Medicare specialist today
📅 Special Enrollment & New to Medicare
Turning 65? Moving? Losing coverage? You may qualify to enroll now.
Medicare Disclaimer: We may not offer every plan available in your area. We partner with multiple insurance carriers, which offer Medicare products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
How We Help Florida Residents Navigate Medicare
Our licensed agents simplify Medicare so you can make confident coverage decisions.
Simplify Medicare Options
We break down complex Medicare choices into clear, easy-to-understand explanations tailored to your needs.
Compare Plans from Multiple Carriers
Shop and compare Medicare Advantage and Supplement plans from top Florida carriers in one place.
Guide You Through Enrollment
We handle the paperwork and walk you through every step of the enrollment process.
Help You Make Informed Decisions
Get unbiased advice so you choose coverage that fits your health needs and budget.
Can I Enroll in Medicare Right Now?
Good news! Many people qualify to enroll or make changes outside of the Annual Enrollment Period.
Turning 65?
Your Initial Enrollment Period starts 3 months before your 65th birthday and lasts until 3 months after. This happens year-round!
Enroll AnytimeLosing Employer Coverage?
Special Enrollment Period gives you 8 months to enroll in Medicare after losing employer or group health coverage.
SEP AvailableMoved to Florida?
Moving gives you a Special Enrollment Period to change your Medicare Advantage or Part D prescription drug plan.
SEP AvailableWant Medigap Coverage?
Medicare Supplement (Medigap) plans can be applied for any time of year. Underwriting may apply outside your open enrollment period.
Year-RoundAlready on Medicare Advantage?
The Medicare Advantage Open Enrollment Period (Jan 1 - Mar 31) lets you switch MA plans or return to Original Medicare.
Jan - Mar5-Star Plan Enrollment
You can switch to a 5-star rated Medicare Advantage or Part D plan once per year, any time - no waiting for open enrollment!
Year-RoundNot sure if you qualify? Our licensed Medicare specialists can determine your eligibility in minutes.
Licensed Florida Medicare Specialists • Free Consultation
Medicare Basics - What is Medicare?
Medicare is federal health insurance for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. Understanding your Medicare options is crucial for making the right healthcare decisions.
What Does Medicare Cover?
🏥 Medicare Part A (Hospital Insurance)
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health care
Cost: Most people pay no premium for Part A if they or their spouse paid Medicare taxes while working.
👩⚕️ Medicare Part B (Medical Insurance)
- Doctor visits and outpatient care
- Medical equipment and supplies
- Preventive services
- Mental health services
Cost: Standard monthly premium in 2026 is $202.90, with annual deductible of $283.
Medicare Enrollment Periods
Initial Enrollment
3 months before your 65th birthday, your birthday month, and 3 months after
Open Enrollment
October 15 - December 7 each year to change Medicare Advantage and Part D plans
Special Enrollment
Available if you qualify due to certain life events like moving or losing coverage
How to Enroll in Social Security & Medicare Parts A & B
🏛️ Social Security Enrollment
- Online: Create account at SSA.gov
- Phone: Call 1-800-772-1213
- In Person: Visit local SSA office
- Best Time: 3 months before your 62nd birthday (earliest) or up to 4 months after your desired start date
Note: You can apply for Social Security benefits as early as age 62, but full retirement age varies based on your birth year.
🏥 Medicare Parts A & B Enrollment
- Automatic: If receiving Social Security, you're automatically enrolled
- Online: Apply at Medicare.gov
- Phone: Call 1-800-MEDICARE
- In Person: Visit local Social Security office
Important: If you don't want Part B, you must actively decline it to avoid premiums.
⚠️ Important Enrollment Deadlines
- Medicare: Enroll during your 7-month Initial Enrollment Period to avoid late penalties
- Part B Penalty: 10% penalty for each 12-month period you delay enrollment
- Social Security: Benefits are permanently reduced if you claim before full retirement age
Official Medicare Resources
Get official information and enroll in Medicare Parts A & B:
Medicare Plan Options
Choose the Medicare coverage that's right for you
Medicare Advantage
All-in-one plans that include Parts A, B, and often D, with additional benefits like dental and vision.
Learn More →Medicare Supplement
Medigap policies that help cover out-of-pocket costs not covered by Original Medicare.
Learn More →Florida Medicare FAQs for 2026
Get answers to common Medicare questions from licensed Florida specialists - updated for 2026
Do I have to sign up for Medicare if I'm not retiring?
If you're still working at 65 and have creditable employer health coverage, you may be able to delay Medicare enrollment without penalty. However, if your employer has fewer than 20 employees, Medicare becomes primary and you should enroll.
Important: You must enroll within 8 months of losing employer coverage to avoid penalties.
Do I have to have Medicare if I have Employer Coverage?
It depends on your employer's size. The rules differ based on the number of employees your company has.
20+ Employees
Employer plan is primary, can delay Medicare
Fewer than 20
Medicare is primary, should enroll
When can I enroll in Medicare?
There are several enrollment periods throughout the year when you can sign up for Medicare coverage.
Initial Enrollment
3 months before/after 65th birthday
Open Enrollment
October 15 - December 7
Special Enrollment
Qualifying life events
What's the difference between Medicare Advantage and Medicare Supplement?
These are two completely different approaches to Medicare coverage:
Medicare Advantage
- ✅ Replaces Original Medicare
- ✅ Often includes extras
- ❌ Network restrictions
Medicare Supplement
- ✅ Works with Original Medicare
- ✅ No networks
- ✅ Predictable costs
What happens if I miss my Medicare enrollment deadline?
Missing your Initial Enrollment Period can result in permanent late enrollment penalties that you'll pay for as long as you have Medicare.
Part B Penalty: 10% for each 12-month period you could have had Part B but didn't enroll.
Part D Penalty: 1% of the national base premium for each month without creditable coverage.
Can I keep my current doctor with Medicare?
Your ability to keep your current doctor depends on which type of Medicare coverage you choose.
✅ Original Medicare + Supplement
See any Medicare-accepting doctor nationwide
⚠️ Medicare Advantage
Must use plan's network providers
How much does Medicare cost in Florida in 2026?
Here are the official 2026 Medicare costs for Florida residents:
| Medicare Part | 2026 Cost | What It Covers |
|---|---|---|
| Part A (Hospital) | $0/month* | Hospital stays, skilled nursing, hospice |
| Part B (Medical) | $202.90/month | Doctor visits, outpatient care, preventive |
| Part D (Drugs) | $0-$100+/month | Prescription drug coverage |
| Medicare Advantage | $0-$50/month avg | All-in-one coverage + extras |
| Medigap (Supplement) | $100-$300/month | Fills Original Medicare gaps |
*Free if you or your spouse paid Medicare taxes for 10+ years
📈 2026 Part B Deductible: $283/year
The annual Part B deductible increased from $257 in 2025 (+$26, +10.1%). After meeting this deductible, Medicare typically pays 80% of approved services.
What Medicare Advantage plans are available in Florida?
Florida has one of the largest Medicare Advantage markets in the country, with over 600 plans available from major carriers:
Largest in FL
AARP Plans
CVS Network
National
FL Focused
Local Option
🎯 Florida Tip: Many Florida Medicare Advantage plans include dental, vision, hearing, and even gym memberships at $0 premium. We'll compare all available plans in your county.
Which Medigap plan is best for Florida residents?
The most popular Medigap plans in Florida are Plan G and Plan N. Here's how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | ❌ You pay $283 | ❌ You pay $283 |
| Part B Excess Charges | ✅ Covered | ❌ Not covered |
| Copays for Office Visits | ✅ None | Up to $20 |
| ER Copay (if not admitted) | ✅ None | Up to $50 |
| Avg Florida Premium | $150-$250/mo | $100-$180/mo |
💡 Best Value: Plan G offers the most comprehensive coverage. Plan N saves money if you don't mind small copays and rarely need excess charge protection.
Will I pay more for Medicare if I have higher income? (IRMAA)
Yes, higher-income Florida residents pay Income-Related Monthly Adjustment Amounts (IRMAA) for Part B and Part D. Here are the 2026 IRMAA brackets:
| Income (Individual) | Income (Married) | Part B Premium |
|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 |
| $109,001-$137,000 | $218,001-$274,000 | $284.10 |
| $137,001-$171,000 | $274,001-$342,000 | $405.80 |
| $171,001-$205,000 | $342,001-$410,000 | $527.50 |
| > $500,000 | > $750,000 | $689.90 |
Note: IRMAA is based on your tax return from 2 years ago. If your income has decreased due to retirement, you can request a reconsideration.
Ready to Learn More About Medicare?
Our licensed Medicare specialists will help you understand your options and find the right coverage.
Comprehensive Medicare Resources
Everything you need to understand and navigate Medicare successfully
Medicare FAQ
Get answers to the most frequently asked Medicare questions, from eligibility to enrollment, costs to coverage options.
✅ 25+ common questions answered
✅ Expert insights and tips
✅ Updated for 2026 changes
Enrollment Guide
Step-by-step instructions for enrolling in Medicare, including deadlines, required documents, and avoiding penalties.
✅ Complete enrollment timeline
✅ Required documents checklist
✅ Penalty avoidance strategies
How-To Guide
Practical guides for using your Medicare benefits effectively, finding providers, and navigating common situations.
✅ Using your benefits effectively
✅ Finding Medicare providers
✅ Claims and billing guidance
Quick Medicare Eligibility Check
Answer 3 simple questions to find out if you can enroll or make changes right now
Can You Enroll in Medicare Right Now?
Answer 3 quick questions to find out instantly
1. How old are you?
Real Florida Residents Who Enrolled Year-Round
Don't wait for Open Enrollment - see how others found coverage when they needed it
Robert M.
Brevard County, FL
"I turned 65 in March and thought I'd missed my chance to enroll. Landel explained I was still in my Initial Enrollment Period and helped me get set up with a great Medicare Advantage plan. Saved me from a penalty too!"
Susan T.
Palm Beach County, FL
"When my husband retired in February, we lost our group health insurance. I panicked thinking we'd have to wait until October. Landel showed us we had a Special Enrollment Period and got us covered within a week!"
John & Mary K.
Martin County, FL
"We moved from New York to Florida in July. Our old Medicare Advantage plan didn't cover doctors here. Landel helped us switch to a Florida plan right away because we had a Special Enrollment Period for moving. Didn't have to wait for fall enrollment!"
Dorothy L.
St. Lucie County, FL
"I didn't know I could change my Medicare Advantage plan in January! I was unhappy with my plan's network but thought I was stuck until October. Landel called in January and told me about the MA Open Enrollment Period. I switched and saved $85/month!"
George P.
Indian River County, FL
"After a health scare, I wanted better coverage than my Medicare Advantage plan. In May, Landel helped me apply for a Medicare Supplement plan. Yes, I had to answer health questions, but I got approved! Now I can see any doctor who accepts Medicare."
Patricia W.
Okeechobee County, FL
"I had no idea you could switch to a 5-star plan anytime! In August, Landel told me about a 5-star rated plan in my area. I switched mid-year without waiting for Open Enrollment. The quality of care has been amazing."
Could You Enroll or Switch Right Now?
Many people don't realize they qualify for a Special Enrollment Period. Let's find out together!
Compare Your Medicare Options
Use our calculator to see estimated costs for Medicare Advantage vs. Original Medicare
Medicare Cost Savings Calculator
See how much you could save with different Medicare options
