Medicare by state
Medicare in Florida
Licensed in Florida · Standard underwriting
How Medigap switching works in Florida
In Florida, Medicare Supplement (Medigap) plans use standard medical underwriting outside your protected windows. That means the best time to enroll is your six-month Medigap Open Enrollment Period, which starts the month you are both 65 and enrolled in Part B. During that window, carriers must accept you regardless of health history. After it closes, switching plans usually means answering health questions, and approval is not guaranteed.
Pinnacle Insurance Advisors is licensed in Florida. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Florida clients work with us entirely by phone.
Florida is also home base. Our headquarters is in Fort Lauderdale, and clients across Broward, Miami-Dade, and Palm Beach counties can meet with us in person as well as by phone.
State rules change. We confirm the current rules before any application, and Medicare.gov is the official federal resource.
New to Medigap? Start with how Medicare Supplement plans work, including the two most popular choices, Plan G and Plan N.
Free official counseling in Florida
State Health Insurance Assistance Program (SHIP)
Florida SHINE
Every state runs a free, federally funded SHIP offering unbiased Medicare counseling. It is a resource we genuinely recommend alongside our own help.
Find Florida SHINE contact details · 1-800-963-5337
Compare every plan available at your Florida address. One free call.
Florida Medicare questions, answered
Yes. We are licensed in Florida and help clients there by phone at no cost. Call 1-877-826-0053 to talk with a licensed advisor about the options available where you live.