Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Licensed in 12 States
"William was absolutely wonderful — very professional. Straightforward gave me a better Medicare policy than I have had for the last six years. Dropped my policy with a new company, same coverage, for quite a bit less!"
Edna Deri
Medicare client
St. Johns County is one of Florida's fastest-growing counties — and one of its wealthiest. With approximately 50,000 Medicare-eligible residents spread across St. Augustine, Ponte Vedra Beach, Nocatee, and the surrounding communities, the county's Medicare market is active and competitive. William Gray is an independent Medicare agent who serves all of St. Johns County. He knows which plans have the strongest networks at Flagler Hospital and UF Health St. Johns, and he understands the questions that St. Johns County residents — many of them active retirees and former professionals — ask most. If you want a Medicare agent who knows this market, not a call center reading from a script, this is the conversation to have.
FL License #W690237 · Agency License #L134055 · Independent — No Carrier Bias · Always Free to You
What a Medicare Agent Does for St. Johns County Residents
A licensed Medicare agent in St. Johns County helps you navigate the full range of Medicare options available in Northeast Florida. Unlike a captive agent who represents one carrier, William Gray is independent — meaning he shops all major carriers to find the right fit for your health needs and budget.
Plan comparison across all major carriers
Compare Medicare Advantage, Medicare Supplement, and Part D plans available in St. Johns County from all major carriers — in a single conversation. You see the full market before you decide.
Enrollment assistance at no cost
A licensed Medicare agent is paid by the insurance carrier — never by you. There is no fee for consultations, plan comparisons, or enrollment help.
Annual plan review
Medicare plans change every year. William reviews your coverage each Annual Enrollment Period to make sure your plan still fits your needs and budget.
Claims and billing support
When billing issues arise, your agent is your advocate. Get help resolving claims, understanding your Explanation of Benefits, and navigating appeals.
Life event and SEP guidance
Losing employer coverage, moving to St. Johns County, or turning 65? A Medicare agent helps you understand your Special Enrollment Period and avoid late enrollment penalties.
Independent Medicare Agent — St. Augustine, FL
William Gray — The Medicare Dude
Serving all of St. Augustine and surrounding areas. Independent Medicare guidance at no cost to you.
FL Insurance License #W690237
(386) 871-3858Why St. Johns County Residents Choose a Local Medicare Agent
St. Johns County has a distinct Medicare market. The plans available, the carrier networks, and the local healthcare providers all affect which Medicare plan is right for you. A local agent who knows Northeast Florida can match you with a plan that works with your doctors and fits your lifestyle.
St. Johns County Medicare market knowledge
William tracks which Medicare Advantage and Supplement plans are available in St. Johns County each year, which carriers have the strongest networks, and which plans offer the best value for Northeast Florida residents.
Local provider network expertise
Knowing which hospitals and specialists are in-network matters. William helps you verify that your preferred St. Johns County doctors and facilities are covered before you enroll.
Independent — not tied to one carrier
Unlike agents who work for a single insurance company, William represents multiple Medicare organizations. That means you get an honest comparison, not a sales pitch for one plan.
Ongoing support after enrollment
Your relationship with William does not end at enrollment. He is available year-round to answer questions, help with claims, and review your coverage at each Annual Enrollment Period.
Medicare Advantage vs. Medicare Supplement in St. Johns County
The two main paths for Medicare coverage in St. Johns County are Medicare Advantage (Part C) and Medicare Supplement (Medigap). Here is how they compare for Northeast Florida residents.
| Factor | Independent Agent | Captive Agent |
|---|---|---|
| Monthly premium | Often $0–$50/month | Typically $100–$250/month |
| Network | HMO or PPO — must use network | Any Medicare-accepting provider nationwide |
| Out-of-pocket costs | Copays and deductibles apply | Predictable — most costs covered after Part B |
| Prescription drugs | Usually included (MAPD) | Requires separate Part D plan |
| Best for | Budget-conscious; prefer managed care | Frequent travelers; prefer flexibility |
Medicare Plans Available in St. Johns County
St. Johns County residents have access to a wide range of Medicare plans. Here are the main options William helps compare.
Medicare Supplement Plan G
The most popular Medigap plan for new Medicare enrollees in St. Johns County. Covers most out-of-pocket costs after the Medicare Part B deductible.
Learn more →Medicare Supplement Plan N
A lower-premium alternative to Plan G. Small copays apply for office visits and ER. Popular with healthy St. Johns County residents who want flexibility.
Learn more →Medicare Advantage (Part C)
All-in-one plans from private carriers available in St. Johns County. Often include dental, vision, and hearing benefits not covered by Original Medicare.
Learn more →Medicare Part D
Standalone prescription drug coverage. Required if you choose Original Medicare + Medigap. William compares Part D plans by your specific medications.
Learn more →Compare Medicare Plans in St. Augustine
See Medicare Supplement Plan G, Plan N, and High-Deductible Plan G rates from multiple carriers in your St. Augustine ZIP code. Call William to review the full picture before enrolling.
Plan availability and premiums vary by ZIP code. This tool is for informational comparison only.
Medicare Agent St. Augustine — FAQ
Does William Gray serve all of St. Johns County?
Yes. William serves all of St. Johns County — St. Augustine, Ponte Vedra Beach, Nocatee, St. Augustine Beach, Fruit Cove, and all surrounding communities. Consultations are available by phone, video, or in person.
I split my time between Florida and another state. Which plan type is right for me?
This is one of the most important questions for St. Johns County residents who travel or maintain a second home. Medicare Advantage plans are network-based and may only cover emergency care outside your plan's service area. Medicare Supplement plans cover you anywhere in the country that accepts Medicare. William helps you weigh the premium difference against the coverage flexibility based on how you actually use your coverage.
Will my St. Johns County doctors be covered?
Before recommending any plan, William verifies that your specific doctors and facilities are in-network for the coming plan year. Network relationships change annually, so this verification happens every year — not just at initial enrollment.
I am a veteran with VA coverage. Do I still need Medicare?
VA coverage and Medicare serve different purposes and can work together. Choosing not to enroll in Medicare Part B when you are first eligible can result in a permanent penalty if you later need it. William helps St. Johns County veterans understand how both systems interact before making any enrollment decisions.
What does it cost to work with William?
Nothing. Medicare agents are paid by the insurance carriers. You pay the same premium whether you enroll through William or directly with the carrier. There is never a fee for consultations, comparisons, or enrollment assistance.
More St. Augustine Medicare Resources
Get a Free Medicare Review in St. Johns County
St. Johns County has approximately 50,000 Medicare-eligible residents and dozens of plan options. William Gray knows the local healthcare landscape, the plan options available in your ZIP code, and the questions St. Johns County residents ask most. A free 30-minute consultation gives you a clear comparison of plan options available through the organizations he represents — and an honest recommendation from someone who knows this market.
William Gray · FL License #W690237 · Agency License #L134055 · Independent Medicare Insurance Agent · Licensed in 12 States · AHIP Certified 2027