Florida's IndependentMedicare Specialist
I'm William Gray — an independent Medicare broker who compares every major carrier so you get the right plan, with zero pressure and zero cost to you.
Serving Jacksonville · Palm Coast · Daytona Beach · Deltona and all of Florida
Schedule a Free Medicare Review
Top 3 — St. Johns Co. 20251,000+
Seniors Helped
29+
Years Experience
100%
Independent
Free
Service to You
Simple Process
How It Works
Three steps. No confusion. No hold music.
Schedule a Free Call
Pick a time — phone or video. No paperwork, no pressure. Just a conversation about your Medicare needs.
Review Your Options
I compare every plan in your ZIP — Medicare Advantage, Medigap, and Part D — side by side, in plain English. Your doctors, your prescriptions, your budget.
Enroll With Confidence
I handle the enrollment with you and stay available year-round — not just at enrollment time.
Schedule a Free Medicare Review
Medicare Plans
Medicare Plans I Can Help You With
As an independent broker, I work for you — not the carriers.
Medicare Advantage
Bundle hospital, medical, and drug coverage into one plan — some with $0 premiums. I compare every plan in your Florida county.
Learn MoreMedicare Supplement
Fill the gaps in Original Medicare — copays, coinsurance, deductibles. Plan G is the most popular choice for Florida seniors in 2026.
Learn MoreMedicare Part D
I compare every Part D plan against your specific medications to find the lowest total drug cost — not just the lowest premium.
Learn MoreTurning 65 Guide
Miss your Initial Enrollment Period and you could face lifetime penalties. I walk you through every step — no confusion, no stress.
Learn MorePlan Comparison
Personalized comparison of every plan available to you — factoring in your doctors, prescriptions, and budget.
Learn MoreEnrollment Assistance
I handle the enrollment paperwork with you and stay available year-round — not just at enrollment time.
Learn MoreFEHB & Postal Medicare
Federal and postal workers face unique Medicare decisions. I specialize in coordinating FEHB with Medicare, including the PSHB transition.
Learn MoreTRICARE & Medicare
Getting TRICARE and Medicare wrong means losing TRICARE permanently. I help veterans and military retirees navigate this correctly.
Learn MoreCHAMPVA & Medicare
CHAMPVA and Medicare together can mean near-zero out-of-pocket costs — but only if you enroll in Part B on time.
Learn MoreMedicare on Disability
Medicare starts after a 24-month SSDI waiting period. Choosing the right plan and planning for your 65th birthday Medigap window requires action now.
Learn MoreMoving & Medicare Advantage
Moving can put you outside your plan's service area — triggering a Special Enrollment Period and guaranteed-issue Medigap rights.
Learn MoreGLP-1 & Medicare Coverage
Medicare doesn't cover GLP-1s for weight loss — but there are bridge options and plan strategies. I explain what's covered and how to plan around the gap.
Learn MoreMedigap Rate Calculator
See real Medigap rates from 12+ carriers in your Florida ZIP — Plan G, Plan N, HD Plan G — side by side in under 60 seconds.
Learn MoreThe 2026 Medicare Cheat Sheet
Everything you need to know about Medicare in 2026 — on one page. No jargon, just the numbers and deadlines that matter.
- Every enrollment deadline — Initial, Annual, and Special Enrollment Periods
- 2026 Medicare costs at a glance — Part B premium, deductibles, IRMAA thresholds
- Medicare Advantage vs. Medigap — which is right for you in plain English
Schedule a call and I'll send it — no email list, no spam.
2026 Medicare Cheat Sheet
The Medicare Dude
Updated for 2026 • William Gray, FL License W690237
Turning 65? Don't Miss YourMedicare Enrollment Window
You have a 7-month window to enroll in Medicare without penalties. Miss it and you could pay more for the rest of your life.
3 Months Before Your Birthday
Your Initial Enrollment Period opens. This is the best time to compare plans — before your coverage starts.
Start comparing plans →Your Birthday Month
Medicare Part A and Part B can begin. You must be enrolled or have creditable employer coverage to avoid penalties.
Confirm enrollment →3 Months After Your Birthday
Your Initial Enrollment Period closes. After this, you may face a Special Enrollment Period or wait for General Enrollment.
Last chance to enroll →Choose Your Coverage Type
Medicare Advantage or Medigap + Part D — I compare every option available in your ZIP code and explain the real differences.
Get your comparison →Penalties for Missing Your Enrollment Window
10% added to your premium for every 12 months you delayed without employer coverage — for life.
1% of the national base premium per month without creditable drug coverage — also permanent.
After your Initial Enrollment Period, insurers can deny Medigap coverage or charge higher rates based on health.
I'll Walk You Through Every Step — Free
No confusing government websites. No hold music. Just a real conversation with William Gray about exactly what you need to do and when.
Why Work With Me
"I'm not a call center. I'm a real person who answers the phone."
For nearly 30 years I've helped seniors make confident Medicare decisions. After serving in the US Air Force as an A-10 crew chief in Germany, I built a career exclusively in Medicare — comparing every plan in your ZIP code so you get the right coverage, with zero pressure and zero cost to you.
My Plan Comparison Pledge
I will compare any plan available to you — even plans I don't currently represent. If a plan I don't carry is better for you, I'll get contracted with that carrier and have it ready in a couple of days.
Why Florida Seniors Choose The Medicare Dude
- US Air Force veteran — A-10 crew chief, served in Germany
- Independent broker — not tied to any single carrier
- Licensed insurance agent since 1998 working with seniors
- Compares every plan in your ZIP — including plans I don't yet represent
- Will get contracted with any carrier within days if it's the right plan for you
- Free service — carriers pay me, not you
- Local Florida specialist who answers the phone
- Available year-round, not just at enrollment
William Gray
The Medicare Dude | FL Licensed Broker
BusinessRate Top 3 Award — 2025
Top 3 Health Insurance Agency in St. Johns County, FL — based on verified Google Reviews.
Hospital & Provider Compatibility
Keep Your Doctors & Hospitals
Before I recommend any Medicare Advantage plan, I verify your specific doctors and hospitals are actively in-network — not just listed in an outdated directory.
Why Hospital Compatibility Matters
- Not every Medicare Advantage plan covers every hospital
- Online provider directories are often 6–12 months out of date
- I verify your hospital is actively in-network before recommending any plan
- Medigap (Plan G/N) works at ANY hospital that accepts Original Medicare — no network
Pro Tip
If keeping a specific hospital is your top priority, Medigap Plan G is often the safest choice — it works at every hospital in the country that accepts Medicare.
Statewide Coverage
Serving Seniors Across Florida
Based in Daytona Beach — I help seniors in every Florida county find the right Medicare plan.
Don't see your city? I serve seniors throughout Florida and beyond.
Find Plans in Your AreaNortheast Florida
Local Medicare Resources by City
William serves every community in Northeast Florida. Select your area for local plan details, ZIP-specific coverage, and nearby hospital networks.
About William Gray
Florida's Most TrustedIndependent Medicare Broker
William Gray — "The Medicare Dude" — is a licensed independent Medicare broker based in Daytona Beach, FL. He's spent nearly three decades helping seniors cut through Medicare confusion and find the right plan without pressure, without jargon, and without cost.
Licensed Medicare Broker
FL License W690237 — Serving seniors in Florida and nationwide
29+ Years Experience
Decades helping seniors navigate Medicare enrollment
Independent & Unbiased
Not captive to any carrier — I work for you, not the insurance company
60+ Carriers Compared
Every major Medicare Advantage, Medigap, and Part D plan in your area
FL License
W690237
Why Seniors Trust William
- Quoted Medicare expert for Florida seniors
- Educator at community Medicare workshops across Volusia & Flagler counties
- Trusted advisor to 1,000+ seniors in Florida and beyond
- Annual Enrollment Period specialist since 2010
Not a Government Website
This is an independent Medicare insurance brokerage. William Gray is licensed by the State of Florida and appointed by all major carriers.
Free Medicare Review
Ready to Find Your Perfect Medicare Plan?
Fill out the form and I'll personally reach out within one business day — no robots, no call centers.
Free Download
The 24-Month Medicare Countdown
Turning 65 soon? This free guide walks you through every deadline, decision, and enrollment step — so you start Medicare right and avoid costly mistakes.
Stay Alert
Medicare Scams in Northeast Florida
Fake Medicare cards, flex card fraud, and unsolicited calls targeting Volusia, Flagler, St. Johns, and Duval counties.
See the GuideFree Resources
Senior Resources — Northeast Florida
SHINE counseling, Area Agency on Aging, VA services, Social Security offices, and senior centers across 5 counties.
View Resources