Florida Insurance Guide Medicare in Florida, Made Simple
Whether you're turning 65, still working, moving to Florida, or reviewing the plan you have now, we'll help you understand your options.
Start with our free guides, or talk with a licensed agent from our Pensacola office. Straight answers, no pressure.
Start here
What Brings You Here Today?
Pick the situation that sounds most like yours. You don't need to know the difference between Medigap and Medicare Advantage yet.
I'm Moving to Florida
Find out what changes when you relocate or split the year.
Moving to Florida With Medicare →New to Medicare? Start Here.
Go in order, or jump to the step you need.- Understand Medicare What Is Medicare? Part A Part B
- Know When to Enroll Enrollment Periods
- Understand Costs 2027 Medicare Costs
- Choose How to Get Coverage Medigap vs. Advantage
- Add Drug Coverage Part D Explained
Florida Medicare & coverage guides
Medicare Rules That Matter in Florida
Some Medicare decisions depend on where you live. These guides cover what Florida residents, seasonal residents, and newcomers ask us about most.
Does Florida Have a Medigap Birthday Rule?
Guaranteed-issue rights, and when you may face medical underwriting.
Read the guide →Florida Medigap Open Enrollment
Learn about your six-month Medigap Open Enrollment Period, when insurers generally cannot deny coverage based on your health.
Read the guide →Florida Snowbirds and Medicare
How your coverage works when you spend time in more than one state.
Read the guide →Moving to Florida With Medicare
What changes, what stays the same, and what to do before you move.
Read the guide →Explore Your Coverage Options
Medicare Supplement
Medigap works alongside Original Medicare to cover deductibles, copays, and coinsurance.
Medicare Advantage
Private plans you can choose instead of Original Medicare, usually with provider networks.
Dental & Vision
Original Medicare doesn't cover routine dental or vision care.
Burial Insurance
Small whole life policies that help your family with final expenses.
About us
A Local Agency, Not a Call Center
Florida Insurance Guide is run by the owners of Policy Guide, Inc., an independent agency based in Pensacola.
We help Florida residents understand Medicare, compare their coverage options, and answer questions about dental and burial insurance. We explain how each option works. You make the decision.
More about our team →Have a Medicare question?
Speak directly with a licensed Florida insurance agent.
