Florida Medicare choices vary widely by county, ZIP code, doctors, hospitals, prescription formularies, and pharmacy networks. Whether you prefer Medicare Advantage or Original Medicare with a Supplement, every Florida resident, retiree, snowbird, or mover needs clear guidance before choosing coverage. Lehigh Partners Senior Benefits helps Florida residents compare Medicare Advantage, Medicare Supplement, and Part D options with straightforward licensed-agent support — not a call center, not a lead farm, and not a rushed sales script.
Client Reviews
Real clients have shared that they felt heard, helped, and not rushed.
“I needed information and advice for both myself and my mother on how to assess our medical insurance and its rising costs. I got both questions fully answered and used their advice to change our providers with lower costs and comparable coverages. It was easy to understand and process. I'm so thankful I contacted Mr. Scallion and I highly recommend his service.”
Dan Fornataro Google review“I am well pleased with the knowledge and treatment we received from Dave and Lehigh Partners Senior Benefits. He helped with health, auto, and home insurance for my family.”
Paul Szymczak Google review“Dave helped my mom with her Medicare coverage. He was very knowledgeable and pleasant to work with. I highly recommend him!”
Joey Carty Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google review“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. That turned out to be an excellent referral. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions and even assisted with some of the application process.”
Robert Haffner Google review“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare. David is professional in every aspect of customer service and is always ready to answer questions and clarify information.”
Bob Bromiley Google review
How Medicare Works in Florida
Original Medicare — Parts A and B — is a federal program administered by the Centers for Medicare & Medicaid Services (CMS). The same basic rules apply in every state. But the private Medicare plans available to you — Medicare Advantage, Medicare Supplement, and Part D prescription drug plans — can vary significantly by state, county, ZIP code, carrier, provider network, pharmacy, and prescription drug list.
That means the right Medicare plan for someone in Florida may look very different from someone in another state, or even a neighboring county. Working with an independent agent who knows the local landscape makes a meaningful difference.
Part A covers inpatient hospital care, skilled nursing facility care, and hospice. Part B covers outpatient services, doctor visits, and preventive care.
Together, Parts A and B form the foundation of Medicare coverage. Most people do not pay a premium for Part A if they or a spouse worked and paid Medicare taxes for at least 10 years.
After Original Medicare, Florida beneficiaries typically choose one of two approaches:
Which path is better depends on your doctors, medications, budget, and health needs. We help you compare both.
Plan Options in Florida
CMS approves private Medicare plans at the county level — not statewide. That means plan availability, premiums, networks, and benefits vary by where you live in Florida. Below is an overview of each coverage type.
Medicare Advantage plans are offered by private insurers approved by CMS. They bundle Part A and Part B coverage — and often Part D drug coverage — into a single plan. Many plans include extra benefits like dental, vision, and hearing.
Availability, premiums, cost-sharing, provider networks, and drug formularies vary by county and ZIP code in Florida. Before enrolling, it is important to verify that your doctors and preferred hospitals are in-network — because networks change every plan year.
Carriers commonly available in Florida:
Medigap policies are sold by private insurers and work alongside Original Medicare. They help pay some out-of-pocket costs such as deductibles, copays, and coinsurance.
Medigap plans are standardized by CMS — Plan G in Florida covers the same benefits as Plan G in any other state. However, premiums vary by age, tobacco status, gender, county, ZIP code, and carrier. Plan G and Plan N are frequently compared by new Medicare beneficiaries, but neither is automatically better for everyone. Avoid making coverage decisions based on price alone.
Medicare Part D plans cover prescription drugs and are sold by private insurers. Formularies (covered drug lists), preferred pharmacies, deductibles, premiums, and drug tier copays all vary by plan — and the right plan for you depends on which medications you take and where you fill them.
Part D plans in Florida change every year. A plan that covered your drugs well this year may not be the most cost-effective option next year. Annual plan comparisons during Open Enrollment (October 15 – December 7) are worth doing.
Browse Florida by County
Select your county below to view local Medicare Advantage plan availability, network information, and city- and township-level coverage details for Florida.
Why Local Help Matters
National call centers do not know whether your specific doctor is in-network in your ZIP code. They do not know which hospital systems operate in your county, which pharmacies are preferred, or which carriers have historically had strong customer service in Florida. A local independent agent does.
Lehigh Partners Senior Benefits is an independent Medicare insurance agency. We are not captive to any single carrier — we compare options from multiple carriers to help you find coverage that fits your doctors, medications, and budget.
Lehigh Partners Senior Benefits currently represents a number of organizations which offer Medicare products in Florida. To see all available options, you may also contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP).
Common Questions
Free, educational, and no obligation. Speak with a licensed independent Medicare agent who can help you compare plans available in your state and county — without call-center pressure.
By requesting a Medicare review, I agree to be contacted by a licensed insurance agent. I understand there is no obligation to enroll.
