Florida's IndependentMedicare Specialist
Independent Medicare broker William Gray helps seniors in Florida and nationwide find the right plan — with zero pressure and zero cost to you. I compare every major carrier so you don't have to.
Completes new client intake & Medicare Scope of Appointment — books directly on William's calendar
Top 3 — St. Johns Co. 20251,000+
Seniors Helped Nationwide
29+
Years of Experience
100%
Independent & Unbiased
Free
Service to You
I Compare Plans From All Major Carriers
Medicare Advantage
Medicare Supplement (Medigap)
Simple Process
How It Works
Getting the right Medicare plan is easier than you think. Here's exactly what to expect.
Schedule a Free Call
Pick a time that works for you — phone or video. No paperwork, no pressure. Just a friendly conversation about your Medicare needs.
Review Your Options
I compare every plan available in your ZIP code — Medicare Advantage, Medigap, and Part D — side by side, in plain English. Your doctors, your prescriptions, your budget.
Enroll With Confidence
Once you choose your plan, I handle the enrollment with you. And I stay available year-round — not just at enrollment time.
Completes new client intake & Medicare Scope of Appointment — books directly on William's calendar
Medicare Plans
Medicare Plans I Can Help You With
As an independent broker, I'm not tied to any one insurance company. I work for you — not the carriers.
Medicare Advantage
Medicare Advantage plans bundle your hospital, medical, and often prescription coverage into one plan — some with $0 premiums may be available depending on your county. I compare every plan available in your Florida county.
Learn MoreMedicare Supplement
Medigap plans fill the gaps in Original Medicare — covering copays, coinsurance, and deductibles. Plan G is the most popular choice for Florida seniors in 2026.
Learn MoreMedicare Part D
Don't overpay for your prescriptions. I compare every Part D plan available in your ZIP code to find the lowest cost for your specific medications.
Learn MoreTurning 65 Guide
Turning 65 is your most important Medicare enrollment window. Miss it and you could face lifetime penalties. I walk you through every step — no confusion, no stress.
Learn MorePlan Comparison
I run a personalized side-by-side comparison of every plan available to you — factoring in your doctors, prescriptions, and budget — so you can make a confident decision.
Learn MoreEnrollment Assistance
Once you've chosen your plan, I handle the enrollment paperwork with you. I stay available year-round for questions, plan changes, and Annual Enrollment Period reviews.
Learn MoreFEHB & Postal Medicare
Federal employees and postal workers face unique Medicare decisions. I specialize in coordinating FEHB benefits with Medicare — including the 2025 PSHB transition for postal retirees.
Learn MoreTRICARE & Medicare
Jacksonville is home to NAS Jacksonville, Naval Station Mayport, and thousands of military retirees. I help veterans and military retirees navigate TRICARE For Life and Medicare — getting it wrong means losing your TRICARE coverage permanently.
Learn MoreCHAMPVA & Medicare
Are you the spouse or dependent of a 100% disabled veteran? CHAMPVA and Medicare work together to give you near-zero out-of-pocket costs — but only if you enroll in Part B on time. Free guidance across all 7 Northeast Florida counties.
Learn MoreMedicare on Disability (SSDI)
If you are on Social Security Disability Insurance, Medicare starts after a 24-month waiting period — but choosing the right plan, applying for Extra Help, and planning for your 65th birthday Medigap window requires action. Free guidance throughout Northeast Florida.
Learn MoreMoving & Medicare Advantage
Moving to a new county or state can put you outside your Medicare Advantage plan's service area — triggering a Special Enrollment Period and guaranteed-issue Medigap rights. I help you navigate the switch before coverage gaps occur.
Learn MoreGLP-1 & Medicare Coverage
Medicare does not cover GLP-1 drugs like Ozempic or Wegovy for weight loss — but there are bridge options and plan strategies that can help. I explain what's covered, what's not, and how to plan around the gap.
Learn MoreThe 2026 Medicare Cheat Sheet
Everything you need to know about Medicare in 2026 — on one page. No jargon, no fluff. Just the numbers and deadlines that matter most.
- 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 to you — 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 decisions about their healthcare. My journey began after serving in the United States Air Force as an A-10 crew chief in Germany. Today I specialize exclusively in Medicare — comparing every plan available in your ZIP code so you get the coverage you deserve, 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. Making money will never replace doing the right thing for my client. If a plan I don't carry is the better coverage 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 Medicare insurance broker in Florida since 1997
- Compares every plan in your ZIP code — 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 | Florida Licensed Broker
BusinessRate Top 3 Award — 2025
Recognized as a Top 3 Health Insurance Agency in St. Johns County, Florida — based on verified Google Reviews, July 2025.
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, FL — I help seniors in every state find the right Medicare plan.
Don't see your city? I serve seniors throughout Florida and beyond.
Find Plans in Your AreaAbout 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.
Florida Seniors: Stay Alert
Medicare Scams Are Targeting Northeast Florida Right Now
Fake Medicare cards, flex card fraud, and unsolicited calls are hitting Volusia, Flagler, St. Johns, and Duval counties. Learn the 6 most common scams and how to protect yourself — free guide.
Free Senior Resources for Northeast Florida
SHINE counseling, Area Agency on Aging, VA services, Social Security offices, senior centers, and transportation — all in one place for Duval, St. Johns, Flagler, Volusia, and Putnam counties.