Help Paying Medicare Advantage Copays in Ormond Beach, Florida
Ormond Beach is a city in Volusia County located immediately north of Daytona Beach along the Atlantic coast and the Halifax River. It is served by ZIP codes 32173, 32174, and 32176. Ormond Beach has a large retiree population and is home to several active adult communities. Medicare Advantage plan availability is determined at the county level.
This page is an educational resource for Ormond Beach Medicare beneficiaries. No recommendations are being made. Coverage varies by plan.
For a comprehensive overview, visit: Help Paying Medicare Advantage Copays — Main Resource.
Independent Medicare Broker — Ormond Beach, FL
William Gray — The Medicare Dude
Serving Ormond Beach and all of Volusia County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
Medicare Advantage in Ormond Beach
Ormond Beach residents have access to the full range of Medicare Advantage plans available in Volusia County. The city is served by AdventHealth Daytona Beach and Halifax Health, with additional specialist access throughout the Daytona Beach metro area. As a community with a large retiree population, Ormond Beach has a robust network of primary care and specialist physicians — verifying that your preferred providers are in-network for any plan you are considering is important.
An independent Medicare broker can compare the plans available in your specific Ormond Beach ZIP code and help you understand how each plan's cost-sharing structure aligns with your healthcare needs.
Educational Information About Cash-Benefit Insurance
Hospital Indemnity Insurance
Pays a fixed cash benefit upon a covered hospital admission. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply.
Hospital Indemnity Insurance — Full OverviewCancer Insurance
Pays a fixed cash benefit upon a covered cancer diagnosis or during covered cancer treatment. Benefits vary by policy.
Cancer Insurance — Full OverviewCritical Illness Insurance
Pays a lump-sum cash benefit upon diagnosis of a covered critical illness. Benefits vary by policy.
Critical Illness Insurance — Full OverviewRelated Pages — Volusia County
- Volusia County Hub
- Daytona Beach
- Deltona
- Port Orange
- New Smyrna Beach
- Edgewater
- DeLand
- Daytona Beach Shores
- Holly Hill
- South Daytona
- Orange City
- Ponce Inlet
- Lake Helen
- Pierson
- Oak Hill
- Main Pillar Page
Frequently Asked Questions — Ormond Beach Medicare Advantage
What ZIP codes serve Ormond Beach for Medicare plan lookups?
Ormond Beach is served by ZIP codes 32173, 32174, and 32176. Use your specific ZIP code when using the Medicare Plan Finder at Medicare.gov or when speaking with a broker. Plan availability is determined at the county level for Medicare Advantage.
What is the out-of-pocket maximum for Medicare Advantage plans in 2026?
For 2026, CMS set the maximum allowable in-network out-of-pocket maximum (MOOP) at $9,350. Individual plans may set their MOOP lower. Once you reach your plan's MOOP, the plan covers 100% of covered in-network services for the rest of the calendar year. Coverage varies by plan.
What free Medicare counseling is available for Volusia County residents?
The Florida SHINE program (Serving Health Insurance Needs of Elders) provides free, unbiased Medicare counseling. Call 1-800-963-5337 to reach a SHINE counselor who can help you compare plans, understand your benefits, and navigate enrollment periods at no cost.
When can I change my Medicare Advantage plan?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. Changes take effect January 1. The Medicare Advantage Open Enrollment Period runs January 1 – March 31 and allows one plan change. Outside these periods, changes are generally only permitted with a qualifying Special Enrollment Period.
Independent Medicare Broker — Ormond Beach, FL
William Gray — The Medicare Dude
Serving Ormond Beach and all of Volusia County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
This page is for educational purposes only. No recommendations are being made. Coverage varies by Medicare Advantage plan. Plan availability varies by ZIP code. Hospital indemnity insurance, cancer insurance, and critical illness insurance are separate supplemental insurance products. They are not Medicare Supplement insurance and do not replace Medicare. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply. The Medicare Dude is a licensed independent Medicare insurance agency. FL License #W690237. Agency License #L134055.