Medicare in Florida,
explained in plain language.
Compare Medicare Advantage, Medigap, and Part D plans with an independent broker, at no cost to you.
407-220-0234Choosing a Medicare plan is a big decision. You don't have to make it alone.
Compare plans and add your information before your review.
Whether you're turning 65, retiring from a job-based plan, or reviewing coverage you already have, we help you understand how each option works and what it would mean for your doctors, your prescriptions, and your budget. Because we're independent, we compare plans from multiple insurance companies side by side and recommend only what fits you.
How Medicare coverage fits together
Most people choose one of two paths: Original Medicare, usually paired with a Medigap policy and a Part D drug plan, or an all-in-one Medicare Advantage plan.
When you can enroll or make changes
Medicare has set windows for signing up and switching plans. Missing one can mean waiting months or paying a late penalty.
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The 7 months around your 65th birthday
Initial Enrollment Period
Three months before your birthday month, the month itself, and three months after. Signing up in the first three months lets coverage start the month you turn 65.
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6 months, once you're 65 and in Part B
Medigap Open Enrollment
During this one-time window, Medigap companies can't turn you down or charge you more because of your health. After it ends, you may have to answer health questions to qualify.
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October 15 to December 7
Annual Enrollment Period Open now
Join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1. Read your Annual Notice of Change before this window, since your plan's costs and drug list may change.
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January 1 to March 31
Medicare Advantage Open Enrollment Open now
If you're in a Medicare Advantage plan, you can make one change: switch to a different Medicare Advantage plan, or return to Original Medicare and join a Part D plan.
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January 1 to March 31
General Enrollment Period Open now
Missed your Initial Enrollment Period? You can sign up for Part A or Part B now, and coverage starts the month after you enroll. Late enrollment penalties may apply.
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Year-round, after certain life events
Special Enrollment Periods
Moving, losing job-based coverage, qualifying for Medicaid or Extra Help, or a FEMA-declared disaster like a hurricane can give you time to make changes outside the usual windows.
How working with us goes
Our guidance is free to you, and there's no obligation to enroll.
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Reach out
Call 407-220-0234 or request a consultation online, and we'll set up a time that works for you.
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Tell us what matters
Your doctors, prescriptions and dosages, preferred pharmacy, budget, and whether you travel outside Florida.
Add your details in our Medicare plan portal (opens in a new tab) -
Compare side by side
We check which plans include your doctors and cover your prescriptions, then walk through the costs in plain language.
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Enroll and stay covered
We help with your application, then review your coverage with you each fall when plans change.
Before we discuss specific plans, Medicare requires a short Scope of Appointment form confirming the types of coverage you'd like to talk about. We'll send it to you ahead of time.
Turning 65 or new to Medicare? Start with this checklist.
A free, two-page guide that walks you through what to do and when, so you sign up on time and pick coverage with confidence.
- Month-by-month steps for your 7-month enrollment window
- How to avoid the Part B and Part D late enrollment penalties
- A worksheet for your doctors and prescriptions to bring to your review
- Florida-specific tips, including hurricane-related extra time
Common Medicare questions
Does it cost anything to work with HelpCare?
No. We're paid by the insurance companies when you enroll, and your premium is the same whether you enroll through us or directly with the plan.
Do you show me every Medicare plan available?
No. We work with multiple insurance companies, but we do not offer every plan available in your area. The disclaimer at the bottom of this page shows how many organizations and products we currently represent.
For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or SHINE, Florida's free State Health Insurance Assistance Program, at 1-800-963-5337.
I'm still working at 65. Do I need to sign up for Medicare?
It depends on your job-based coverage. Many people covered through a current employer with 20 or more employees can delay Part B without a penalty, but the rules vary. Check with your HR or benefits office before you decide, and we're happy to walk through the timing with you.
Can I keep my doctors?
With Original Medicare and a Medigap policy, you can see any provider in the U.S. that accepts Medicare. Medicare Advantage plans usually have networks, so we check your doctors against each plan's directory before you choose.
I already have a Medicare plan. Can you still help?
Yes. Plans can change their costs, networks, and drug lists every year. We can review your Annual Notice of Change with you each fall and check whether your plan still fits.
What should I have ready for a Medicare review?
Your Medicare card if you have one, a list of your doctors, your prescriptions with dosages, and your preferred pharmacy. Our Turning 65 checklist includes a worksheet for all of it.
Have questions about your Medicare options?
Schedule a no-obligation consultation. We'll listen, compare your options, and give you clear, honest answers.
TPMO Disclaimer — Required by CMS (§422.2267 / §423.2267)
2026 plan year: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 312 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
2027 plan year: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 331 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Government Affiliation Disclaimer
HelpCare Benefits Agency is not affiliated with or endorsed by the government or the federal Medicare program. HelpCare Benefit Advisors LLC dba HelpCare Benefits Agency (FL Agency License # L135827) is an independent insurance brokerage licensed in the state of Florida. We are compensated by insurance carriers for plan enrollments. Our advisory services are provided at no direct cost to you.
Plan & Coverage Disclaimer
Plan availability, benefits, costs, and carrier participation vary by service area and are subject to change. Information on this page is general in nature and is not a complete description of Medicare rules or of any plan. Contact us or the plan directly for complete details including covered services, cost-sharing, exclusions, and limitations. For accommodations of persons with special needs at meetings, call 407-220-0234 TTY: 1-877-486-2048 (Medicare).