Medicare Plans in St. Augustine, FL

You have a 7-month Initial Enrollment Period starting 3 months before the month you turn 65. If you miss this window, you may face a permanent late enrollment penalty. If you're still working and have employer coverage, there are special rules that may let you delay enrollment without penalty. Call us to confirm your best timing.

It depends on your health needs, preferred doctors, and budget. Medicare Advantage often includes extra benefits (dental, vision, hearing) at low or $0 premiums, but uses network-based care. Original Medicare with a Medigap plan offers more flexibility and predictable costs. We compare both options side-by-side for you.

St. Johns County has multiple Medicare Advantage plans available from carriers like UnitedHealthcare, Humana, Aetna, Cigna, and Blue Cross Blue Shield of Florida. Plans vary in premium, drug formularies, and provider networks. We compare them all and recommend based on your specific doctors and prescriptions.

Original Medicare (Parts A & B) does NOT cover routine dental, vision, or hearing. However, many Medicare Advantage plans include these benefits at no extra cost. This is one of the biggest reasons people choose Medicare Advantage. We can find you a plan that includes the benefits you need most.

Yes! The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. During this time you can switch Medicare Advantage or Part D plans, and changes take effect January 1. There's also a Medicare Advantage Open Enrollment Period January 1 – March 31 where you can make one plan change.