Not a government website. We are not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), Medicare, or any government agency.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer over 60 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Best Medicare Agent Florida — Independent Medicare Broker William Gray
Florida Medicare Authority
Florida's Independent Medicare Broker
William Gray has been helping Florida seniors navigate Medicare for nearly 30 years. As an independent broker, he compares plans from every major carrier — and recommends the one that actually fits your life.
No pressure. No sales pitch. Just straightforward Medicare guidance — at no cost to you.
~30
Years of Experience
Independent
Not tied to one carrier
Free
No cost to you
Florida
Licensed statewide
Why Choose an Independent Medicare Broker?
Florida has one of the most competitive Medicare markets in the country. Dozens of carriers offer hundreds of plan combinations across 67 counties. An independent broker works for you — not for any single insurance company.
Unlike a captive agent who can only offer plans from one carrier, William compares Medicare plans available through the insurance companies he represents and recommends the one that best matches your doctors, medications, and budget.
- Compares plans from multiple carriers — not just one company
- Recommends the plan that fits your health needs and budget
- No additional cost — brokers are compensated by carriers
- Available year-round for questions, not just at enrollment
- Provides ongoing support if your plan or needs change
- Knows the Florida market and local plan availability
William Gray
Licensed Independent Medicare Broker
"My job is to make Medicare simple. I compare Medicare plans available through the insurance companies I represent, explain your options in plain English, and help you enroll in coverage that actually works for your life — not just the plan that pays the highest commission."
Licensed: Florida Department of Insurance
Serving Florida since: 1998
Specialties: Medicare Supplement, Medicare Advantage, Part D
Florida Medicare Services
From your first Medicare enrollment to your annual plan review, William provides guidance at every stage of your Medicare journey.
Medicare Supplement (Medigap)
Medicare Supplement plans help cover the out-of-pocket costs that Original Medicare does not pay — including copays, coinsurance, and deductibles. William compares plans from multiple carriers to find the right fit for your health and budget.
Learn moreMedicare Advantage (Part C)
Medicare Advantage plans bundle hospital, medical, and often drug coverage into a single plan. Many Florida plans include extra benefits like dental, vision, and hearing. Coverage and costs vary significantly by county.
Learn moreMedicare Part D (Drug Coverage)
Standalone Part D prescription drug plans cover medications not included in Original Medicare. Formularies and cost-sharing differ by plan — a broker can identify which plans cover your specific medications at the lowest tier.
Learn moreTurning 65 & Initial Enrollment
Your Initial Enrollment Period opens three months before your 65th birthday. Missing key deadlines can result in permanent late-enrollment penalties. William walks you through every step so you enroll correctly the first time.
Learn moreMoving to Florida
Relocating to Florida triggers a Special Enrollment Period. Whether you are moving from another state or another county, William can compare every plan available at your new address and help you transition without a coverage gap.
Learn moreAnnual Medicare Reviews
Plan formularies, premiums, and networks change every year. An Annual Medicare Review during the October 15 – December 7 enrollment window ensures you are not overpaying or missing better coverage for the coming year.
Learn moreMedicare Coverage by Florida County
Plan availability, formularies, and premiums vary by county. Select your county for local Medicare plan information and guidance.
Volusia County
Daytona Beach, DeLand, Deltona, Ormond Beach
St. Johns County
St. Augustine, Ponte Vedra, Palm Coast
Flagler County
Palm Coast, Flagler Beach, Bunnell
Putnam County
Palatka, Interlachen, Crescent City
Duval County
Jacksonville, Jacksonville Beach, Neptune Beach
Clay County
Orange Park, Fleming Island, Middleburg, Green Cove Springs
Hillsborough County
Tampa, Brandon, Plant City
Brevard County
Melbourne, Titusville, Palm Bay, Cocoa
Orange County
Orlando, Kissimmee, Apopka, Winter Park
Palm Beach County
West Palm Beach, Boca Raton, Delray Beach, Boynton Beach
Broward County
Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs
Miami-Dade County
Miami, Hialeah, Coral Gables, Homestead
Pinellas County
St. Petersburg, Clearwater, Largo, Dunedin
Sarasota County
Sarasota, Venice, North Port, Osprey
Lee County
Fort Myers, Cape Coral, Bonita Springs, Estero
Polk County
Lakeland, Winter Haven, Bartow, Haines City
Marion County
Ocala, Belleview, Dunnellon, Silver Springs
Alachua County
Gainesville, Newberry, Archer, High Springs
Collier County
Naples, Marco Island, Immokalee, Bonita Springs
Manatee County
Bradenton, Palmetto, Lakewood Ranch, Anna Maria
Charlotte County
Port Charlotte, Punta Gorda, Englewood, Rotonda West
Citrus County
Crystal River, Inverness, Homosassa, Beverly Hills
Hernando County
Spring Hill, Brooksville, Weeki Wachee, Ridge Manor
Lake County
Leesburg, Lady Lake, Clermont, Mount Dora
Osceola County
Kissimmee, St. Cloud, Celebration, Poinciana
Seminole County
Sanford, Altamonte Springs, Casselberry, Oviedo
Escambia County
Pensacola, Pace, Cantonment, Bellview
Pasco County
New Port Richey, Wesley Chapel, Zephyrhills, Dade City
St. Lucie County
Port St. Lucie, Fort Pierce, Tradition, St. Lucie West
Leon County
Tallahassee, Midway, Woodville, Havana
Indian River County
Vero Beach, Sebastian, Fellsmere, Indian River Shores
Sumter County
The Villages, Bushnell, Webster, Lady Lake
Martin County
Stuart, Hobe Sound, Jensen Beach, Palm City
Okaloosa County
Fort Walton Beach, Destin, Niceville, Crestview
Santa Rosa County
Milton, Navarre, Gulf Breeze, Pace
Nassau County
Fernandina Beach, Yulee, Callahan, Amelia Island
Highlands County
Sebring, Avon Park, Lake Placid, Lorida
Monroe County
Key West, Marathon, Key Largo, Islamorada
Volusia County
Daytona Beach, Deltona, Ormond Beach, DeLand, Port Orange
Walton County
Santa Rosa Beach, DeFuniak Springs, Miramar Beach, 30A
Bay County
Panama City, Panama City Beach, Lynn Haven, Callaway
Gadsden County
Quincy, Havana, Chattahoochee, Midway
Columbia County
Lake City, Fort White, Wellborn, White Springs
Suwannee County
Live Oak, Branford, Wellborn, Lee
Hardee County
Wauchula, Bowling Green, Zolfo Springs
Okeechobee County
Okeechobee, Basinger, Lorida
Hendry County
LaBelle, Clewiston, Felda
DeSoto County
Arcadia, Nocatee, Bowling Green area
Glades County
Moore Haven, Buckhead Ridge, Lakeport
Jackson County
Marianna, Graceville, Cottondale, Sneads
Jefferson County
Monticello, Wacissa, Lloyd
Wakulla County
Crawfordville, Sopchoppy, Panacea, St. Marks
Madison County
Madison, Greenville, Lee, Pinetta
Taylor County
Perry, Steinhatchee, Shady Grove
Lafayette County
Mayo, Day, Midway
Dixie County
Cross City, Horseshoe Beach, Old Town, Suwannee
Gilchrist County
Trenton, Bell, Fanning Springs
Levy County
Bronson, Chiefland, Cedar Key, Williston
Hamilton County
Jasper, Jennings, White Springs
Union County
Lake Butler, Raiford, Worthington Springs
Bradford County
Starke, Lawtey, Hampton
Baker County
Macclenny, Glen St. Mary, Sanderson
Liberty County
Bristol, Hosford, Telogia
Calhoun County
Blountstown, Altha, Clarksville
Holmes County
Bonifay, Westville, Ponce de Leon
Washington County
Chipley, Vernon, Wausau
Gulf County
Port St. Joe, Wewahitchka, Cape San Blas
Don't see your county? Contact William directly — he is licensed to serve all 67 Florida counties.
Frequently Asked Questions
Common questions about working with a Florida Medicare broker.
What makes an independent Medicare agent different from a captive agent?
An independent Medicare broker is not tied to any single insurance company. They compare plans from multiple carriers — including Humana, UnitedHealthcare, Aetna, Cigna, and others — and recommend the plan that best fits your health needs and budget. A captive agent can only offer plans from one company.
Does it cost anything to use a Medicare broker in Florida?
No. Independent Medicare brokers in Florida are compensated by the insurance carriers, not by you. The plan premium is identical whether you enroll through a broker or directly with the insurance company. You get expert guidance at no additional cost.
When should I contact a Medicare agent in Florida?
The best time to contact a Medicare agent is 3–6 months before you turn 65, or as soon as you know you are losing employer coverage. You can also reach out during the Annual Enrollment Period (October 15 – December 7) to review your current plan and compare alternatives for the coming year.
What Medicare plans are available in Florida?
Florida is one of the most competitive Medicare markets in the country. Beneficiaries can choose from Original Medicare (Parts A and B), Medicare Supplement (Medigap) plans, Medicare Advantage (Part C) plans, and standalone Part D prescription drug plans. Plan availability varies by county and ZIP code.
Can a Medicare agent help me if I am moving to Florida?
Yes. Moving to Florida is a qualifying life event that triggers a Special Enrollment Period. An independent Medicare broker can help you compare plans available at your new Florida address and enroll in coverage that fits your needs — even outside the standard enrollment windows.
What is an Annual Medicare Review?
An Annual Medicare Review is a free consultation with your Medicare broker to evaluate whether your current plan still meets your needs. Formularies, premiums, and network providers can change each year. A review ensures you are not overpaying or missing better coverage options during the Annual Enrollment Period.
Planning Beyond Medicare
Medicare covers your health care — but complete financial protection for Florida seniors often includes planning for final expenses as well.
Final Expense Insurance
Final expense insurance (also called burial insurance) is a small whole life policy designed to cover end-of-life costs — funeral expenses, medical bills, and other obligations — so your family is not left with unexpected financial burdens.
Learn about final expense coverage at TheFinalExpenseDude.comEnd-of-Life Planning Resources
Understanding your Medicare coverage is one part of a complete senior financial plan. Burial insurance, advance directives, and beneficiary designations work together to protect your family and honor your wishes.
Explore end-of-life planning at TheFinalExpenseDude.comMedicare and final expense insurance are separate products. Nothing on this page implies they are bundled, required together, or offered by the same company.
Ready to Find the Right Florida Medicare Plan?
William Gray is a licensed independent Medicare broker serving all of Florida. He compares Medicare plans available through the insurance companies he represents — Medicare Supplement, Medicare Advantage, and Part D — at no cost to you.
Licensed by the Florida Department of Insurance. Independent — not affiliated with any single carrier.