Medicare · State of Florida
Medicare for Florida Residents
Florida has 5.1 million Medicare beneficiaries — the highest concentration of seniors in the United States. It's also the most competitive Medicare Advantage market in the country, with 57% of Florida Medicare beneficiaries enrolled in MA plans. Ten Point Financial Group is a Florida-licensed independent Medicare agency. We help Florida retirees navigate the most complex Medicare landscape in the country.
5.1M
FL Medicare beneficiaries
57%
MA enrollment rate (highest in US)
$0
Cost to use a Medicare agent
Why Florida
Florida's Medicare market is the most aggressive in the country. Humana, UnitedHealthcare, Florida Blue, WellCare, and Aetna all compete fiercely — often with $0-premium Advantage plans that include dental, vision, hearing, gym memberships, and even cash-back benefits. The catch: networks are narrower, plans change yearly, and the wrong choice can leave you with surprise bills. Florida also has more Special Needs Plans (SNPs) than any other state. Picking the right plan requires comparing 30-50 options in many Florida counties. We do that work for you, free.
How we help
Advantage Plans for Snowbirds
If you split time between Florida and another state, your Advantage plan needs to work in both. Some MA plans offer national network access; most don't. We help snowbirds pick plans designed for travel.
Special Needs Plans (D-SNP, C-SNP, I-SNP)
Florida has the broadest SNP availability in the country. If you have chronic conditions, dual eligibility (Medicare + Medicaid), or live in a nursing facility, a SNP may offer significantly better benefits than standard MA.
Medigap in Florida
Florida Medigap rates are among the highest in the country — but for many retirees, the freedom-of-provider trade-off is worth it. We run carrier comparisons and explain when Medigap beats MA.
Annual Plan Review for Florida Retirees
Every fall, Florida plans update significantly. The plan that worked for you in 2025 may not be your best option in 2026. We re-shop annually for every Florida client we work with.
Part D for Florida Pharmacy Networks
Florida pharmacy networks vary widely by plan. Some plans favor CVS; others Walgreens; others Publix or Winn-Dixie. We match your preferred pharmacy to the right Part D plan.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
Is your Medicare plan ending in 2027? Check your plan number →
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
Why is Medicare Advantage so popular in Florida?+
57% MA enrollment is the highest in the nation — driven by aggressive carrier competition, $0-premium plans, extra benefits (dental, vision, hearing), and a senior-dense population. Carriers spend heavily on Florida marketing because the volume is enormous.
Are Florida Medigap rates really that much higher?+
Yes — Florida is one of the most expensive Medigap markets in the country. Premiums can be 30-50% higher than the national median. That's part of why Advantage is so popular here. But for retirees who travel, see specialists, or want predictable costs, Medigap can still be the right call.
I'm moving to Florida from another state. What do I need to do for Medicare?+
Moving triggers a Special Enrollment Period (SEP). You have a window to switch plans because your current plan may not work in your new Florida zip code. We help new Florida residents pick a plan that fits their new location.
How do I evaluate a $0-premium Advantage plan?+
$0 premium doesn't mean $0 cost. You'll still have copays, coinsurance, max out-of-pocket exposure, and prescription costs. We compare 'true cost' including expected medical use, not just the monthly premium.
Can you help with Medicaid eligibility in Florida?+
Yes — for dual-eligible (Medicare + Florida Medicaid) plans, we help navigate enrollment. We don't determine Medicaid eligibility (that's the state's role) but we help you pick the right D-SNP once eligibility is confirmed.
When is Medicare open enrollment in Florida?+
The Annual Enrollment Period is the same in Florida as everywhere else: October 15 to December 7. You can join, switch, or drop a Medicare Advantage or drug plan, and changes start January 1. We review Florida clients' plans each fall.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free Florida Medicare review
Florida has the most plan options in the country. We'll compare what's available in your county, factor in your doctors and prescriptions, and recommend the plan that actually fits.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.