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
Lawtey is a community in Bradford County with a growing Medicare-eligible population. William Gray, The Medicare Dude, is an independent Medicare agent serving Lawtey and the surrounding Bradford County area — including Starke, Macclenny, Lake Butler. He represents multiple carriers and works for you, not for any insurance company.
FL License #W690237 · Agency License #L134055 · Independent — No Carrier Bias · Always Free to You
What a Lawtey Medicare Agent Does for You
An independent Medicare agent in Lawtey works on your behalf — comparing plans from multiple carriers at no cost to you.
Carrier-neutral plan comparison
William represents multiple Medicare carriers active in Bradford County — Humana, Aetna, UnitedHealthcare, Cigna, Mutual of Omaha, and others — so you see every available option side by side.
Medicare Supplement (Medigap) analysis
Plan G and Plan N are the most popular Medigap options in the Lawtey area. William compares current premiums from every carrier writing business in your ZIP code — identical coverage, but premiums can vary by hundreds of dollars per year.
Medicare Advantage network verification
Lawtey is served by Shands Starke Medical Center and UF Health North. William verifies that your current physicians are in-network for any Medicare Advantage plan before you enroll.
Part D prescription drug review
William runs a formulary check against your current medications to identify the Part D plan with the lowest total annual drug cost at your preferred Lawtey-area pharmacy.
Enrollment assistance
William handles all enrollment paperwork and submits applications directly to carriers. You never have to navigate insurer websites or call center queues.
Annual plan review
Medicare plans change every year. William reviews your coverage each fall during Open Enrollment to confirm your plan still fits your health needs and budget.
Ongoing service at no cost
William's compensation comes from carriers, not from you. There is no fee for consultations, plan comparisons, enrollment help, or annual reviews.
Independent Medicare Agent — Lawtey, FL
William Gray — The Medicare Dude
Serving all of Lawtey and surrounding areas. Independent Medicare guidance at no cost to you.
FL Insurance License #W690237
(386) 871-3858Why Medicare in Lawtey Is Different
Lawtey's healthcare landscape and Bradford County's Medicare market create specific planning considerations for local residents.
Shands Starke Medical Center network access
Shands Starke Medical Center is a primary healthcare facility serving Lawtey residents. Confirming that your Medicare plan covers Shands Starke Medical Center providers is essential before enrolling in any Medicare Advantage plan.
UF Health North coverage
UF Health North is another major facility accessible to Lawtey residents. William verifies network access to both facilities before recommending any Medicare Advantage plan.
Network verification before enrollment
Medicare Advantage plans in Bradford County have different provider networks. William verifies that your current doctors and specialists are in-network before you enroll.
Part D drug costs vary by plan
The same medications can cost dramatically different amounts depending on which Part D plan you choose. William runs a formulary check against your specific medications to find the lowest-cost option.
Annual reviews prevent coverage gaps
Medicare plans change their premiums, networks, and formularies every year. An annual review with William ensures your coverage stays aligned with your health needs and budget.
Independent guidance — no carrier bias
William is not employed by any insurance company. He compares plans from multiple carriers and recommends the one that genuinely fits your situation.
Independent Agent vs. Insurance Company Rep
When you call an insurance company directly, you speak with a captive agent who can only offer that company's plans. William is independent — he compares plans from multiple carriers.
| Factor | Independent Agent | Captive Agent |
|---|---|---|
| Carriers represented | Multiple — Humana, Aetna, UHC, Cigna, Mutual of Omaha, and more | One company only |
| Cost to you | Free — William is compensated by carriers | Free — but limited to one carrier's options |
| Plan comparison | Side-by-side comparison across all available plans | Only that company's plans |
| Ongoing service | Annual reviews, plan changes, claims help | Varies by company |
| Loyalty | Works for you | Works for the insurance company |
| Network verification | Verifies your doctors are in-network before enrollment | May not verify your specific providers |
| Drug formulary check | Checks your medications against each plan's formulary | Only checks their own formulary |
Medicare Plan Types Available in Lawtey
Lawtey residents have access to all major Medicare plan types. The right choice depends on your doctors, medications, travel habits, and budget.
Medicare Supplement (Medigap)
Works alongside Original Medicare to cover most out-of-pocket costs. Accepted by any Medicare-participating provider nationwide — no network restrictions.
Learn more →Medicare Advantage (Part C)
Bundles Medicare Parts A, B, and usually D into one plan. Often includes dental, vision, and fitness benefits. Network restrictions apply — provider verification is essential.
Learn more →Medicare Part D (Prescription Drug)
Standalone drug coverage that pairs with Original Medicare and a Medigap plan. Formularies and costs vary significantly — a drug review can identify meaningful savings.
Learn more →Medicare Parts A & B (Original Medicare)
The foundation of Medicare coverage. Most residents pair Original Medicare with either a Supplement plan or a Medicare Advantage plan.
Learn more →Special Needs Plans (SNPs)
Designed for people with specific chronic conditions or dual Medicare/Medicaid eligibility. William can determine whether you qualify and whether a SNP would benefit you.
Learn more →FEHB and Medicare Coordination
Federal retirees may have Federal Employee Health Benefits that coordinate with Medicare. William helps federal retirees understand how their FEHB plan interacts with Medicare.
Learn more →Compare Medicare Plans in Lawtey
See Medicare Supplement Plan G, Plan N, and High-Deductible Plan G rates from multiple carriers in your Lawtey 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 Lawtey — FAQ
Is a Medicare agent in Lawtey free to use?
Yes. William's services are completely free to you. He is compensated by insurance carriers when you enroll in a plan — the premium you pay is identical whether you enroll through an agent or directly with the carrier.
What ZIP codes does William serve in Lawtey?
William serves Lawtey (ZIP 32058) and the surrounding Bradford County area. He is licensed throughout Florida and can assist residents across the full area.
Does Shands Starke Medical Center accept all Medicare plans?
Shands Starke Medical Center participates in Original Medicare. Whether it is in-network for a specific Medicare Advantage plan depends on the plan. William verifies hospital network participation before you enroll.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) plans work alongside Original Medicare and are accepted by any Medicare-participating provider nationwide. Medicare Advantage plans bundle your coverage into one plan but have network restrictions. William explains both options in detail during your free consultation.
When can I change my Medicare plan?
The Annual Enrollment Period runs October 15 through December 7 each year. New Medicare enrollees have a 7-month Initial Enrollment Period around their 65th birthday. Special Enrollment Periods apply for qualifying life events.
I'm turning 65 — when should I contact William?
Ideally 3 to 4 months before your 65th birthday. This gives William time to explain your options, compare plans, and complete enrollment before your Medicare coverage begins.
How do I schedule a consultation with William?
Call (386) 871-3858 or use the contact form on this site. Consultations are available by phone, video, or in person. There is no cost and no obligation.
What licenses does William hold?
William Gray holds Florida Individual License W690237 and Florida Agency License L134055. He is licensed as an insurance agent in 12 states and has been serving Medicare clients since 1998.
Does William serve other Bradford County communities?
Yes. In addition to Lawtey, William serves Starke, Macclenny, Lake Butler, Gainesville, and all communities throughout Bradford County.
Is there a cost for an annual plan review?
No. Annual plan reviews are part of William's ongoing service at no cost to you. He reviews your coverage each fall during Open Enrollment.
More Lawtey Medicare Resources
Ready to Talk to a Lawtey Medicare Agent?
William Gray — The Medicare Dude — offers free, no-obligation Medicare consultations for Lawtey residents. Compare plans from multiple carriers and get straightforward answers with no sales pressure.
Licensed Medicare Insurance Agent — FL License #W690237 | Agency License #L134055