Secure affordable Medicare Supplement plans in Key West, Florida
Tailored Medigap Plan quotes for Monroe County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Key West: Your Guide to Coverage

Finding the Right Medigap Coverage for Your Key West Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Key West or turning 65 soon, we help residents across Monroe County find Medigap coverage that fits their health needs and budget. From covering those gaps in Original Medicare to protecting you from unexpected medical bills, the right plan makes all the difference in your peace of mind. Click Here To Compare All Plans
Key West Senior Demographics & Lifestyle
According to U.S. Census data, Key West has a unique island city:
- Population: Approximately 26,000
- Residents 65+: About 16%
- Median age: 42 years
- Median household income: $66,000
- Home ownership rate: 44%
- Affordability: Very expensive; among Florida’s highest costs
Many Key West retirees enjoy:
- Southernmost Point: Continental USA’s southernmost city, iconic status
- Island Paradise: Spectacular tropical beauty, turquoise waters
- Unique Culture: Conch Republic, artistic community, bohemian atmosphere
- Year-Round Tropical Climate: Perfect weather, endless summer
- Caribbean Lifestyle: Relaxed island pace, tropical living
- Rich History: Ernest Hemingway, Harry Truman, naval heritage
- Duval Street: World-famous entertainment, dining, culture
- Water Activities: Snorkeling, diving, fishing, boating paradise
- Vibrant Arts Scene: Galleries, theaters, Mallory Square sunset celebration
- LGBT-Friendly: Welcoming, diverse, inclusive community
- Fantasy Fest: Legendary celebrations, island festivals
- Local Hospital: Lower Keys Medical Center on island
- Island Independence: Complete island lifestyle, car-free living possible
- Sunset Views: Spectacular daily sunset celebrations
- Architectural Character: Historic homes, Caribbean-style architecture
Key West attracts affluent culturally-oriented retirees seeking premium tropical island living with unique artistic character and complete lifestyle transformation. The combination of spectacular tropical beauty, Conch Republic independence, vibrant cultural scene, local hospital, and iconic southernmost status makes it ideal for retirees with substantial resources who prioritize ultimate island lifestyle, cultural richness, and willingness to pay premium prices for authentic Caribbean-American living.
What's the process?
We’re easy to reach. Most use our form. This allows us to call you at the time of your convenience. We’ll ask about your Part B date, current coverage (if any), budget guardrails.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We shop carriers and identify underwriting flags (if any), Once we’ve identified several, we’ll contact you to set up the best time to go over our findings.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan (G, N, or fit) for your ZIP and budget
Application concierge (e-app done right, the first time)
Annual rate-check so you don’t overpay next renewal
- Same day quotes
- Apples-to-apples
- 24-hour response
What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do They Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup, so you’re not left with big bills.
Fast Facts (Save Yourself Headaches)
- Medigap ≠ Advantage. Medigap works with Original Medicare; no networks, no referrals.
- Price is by ZIP/age/tobacco/household. Same benefits → different carrier rates.
- Timing matters. Your Part B date and Guaranteed Issue windows change underwriting.
- Doctor freedom. Any provider accepting Medicare. Traveling? You’re still covered.
Medigap vs. Advantage
- Medigap (We place it): higher premium, lower unpredictable costs, nationwide access, no network drama.
- Advantage (We don’t market it): lower premium, networks, authorizations, plan rules.
You want clarity, predictability, and freedom → Medigap usually wins.
What Drives Your Rate?
- ZIP code • Age (and birthday timing) • Tobacco status • Household discount • Carrier rate history
Why Florida Seniors Choose Medicare Supplements Only?
Nearly 30 Years of Experience
Chuck Lunsford has helped Florida residents navigate Medicare Supplement decisions since 1994. Licensed FL agent #A169316 with deep expertise across every Florida community—from Miami to the Panhandle.
Comprehensive Florida Coverage
We serve seniors in 50+ Florida communities with deep understanding of local healthcare landscapes and hospital access. Whether you’re in a bustling city or quiet rural town, we know your area’s unique challenges.
No-Pressure, Independent Guidance
We compare plans from multiple top-rated carriers to find the best value for YOUR situation—never locked into one company. Our educational approach means you make informed decisions at your own pace, with ongoing support after enrollment.
Which Plans Can You Choose in Key West?
Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.
The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans
What to Bring to the Call
Medicare ID (red/white/blue card) • Part B start month/year • Med list (optional) • Must-have doctors/hospitals • Current coverage (if any)
What You Get
- Right-sized Medigap plan (G, N, or fit) for your city and your budget
- Same-day quotes
- Application concierge (clean e-app, first time)
- Annual rate-check so you don’t overpay
Key West-Specific Notes
Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.
Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.
Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.
What’s The Next Step?
If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.
Why Key West Residents Need Medicare Supplement Coverage
Key West residents face unique healthcare challenges that make Medicare Supplement coverage especially important:
Limited Island Hospital: While Key West has Lower Keys Medical Center locally providing emergency care, basic surgical services, and hospital care, comprehensive tertiary care requires air ambulance or driving the entire Overseas Highway to Miami (160 miles, 3.5+ hours). The small island hospital handles most routine needs but complex cases require mainland transfer.
High Cost of Living Reality: With median household income of $66,000, higher than most Florida but necessary for Key West costs, residents face premium island expenses for everything. Medical transport off the island can be extraordinarily expensive – air ambulance to Miami can cost $25,000-$50,000+. One complex hospitalization requiring Miami transfer could cost $10,000-$20,000+ without Medigap, significant even for affluent retirees. For those who’ve invested in Key West island living, protecting against catastrophic medical costs is essential.
Extreme Distance to Tertiary Care: While the local hospital handles routine care, complex cardiac procedures, advanced cancer treatment, neurosurgery, and tertiary specialties require Miami (160 miles, 3.5+ hours driving) or air ambulance. The Overseas Highway is the ONLY road connection – one scenic but long route over 42 bridges. Emergency air transport is sometimes necessary but extraordinarily expensive. Comprehensive Medigap coverage ensures financial barriers don’t prevent accessing necessary specialized care.
Island Isolation Reality: Key West sits 90 miles from Cuban mainland, farther from mainland USA than from Cuba. This extreme geographic isolation means healthcare decisions involve complex logistics. Having comprehensive coverage removes one massive stressor from medical situations.
Plan G or Plan N: The Choice for Key West: For Key West’s unique situation, both Plan G and Plan N merit consideration. Plan G ($140-180/month typically) provides the most comprehensive coverage with no copays, eliminating all cost-sharing for local care and mainland transfers. Plan N ($100-140/month typically) saves $35-50 monthly ($420-600 annually) but requires small copays ($20 office visits, $50 ER visits waived if admitted). Given Key West’s high costs and income levels, many residents choose Plan G for complete peace of mind, especially considering potential air ambulance and Miami transfer scenarios. However, Plan N provides excellent protection at lower cost for those managing island expenses carefully. We’ll help you decide which fits your situation.
About Key West: Community Snapshot for Seniors
Key West is a legendary island city of approximately 26,000 residents on an island at the end of the Florida Keys island chain in Monroe County. Located 90 miles north of Cuba and 160 miles southwest of Miami via the Overseas Highway, Key West offers the ultimate American tropical island lifestyle with unique cultural character found nowhere else in the continental United States.
According to U.S. Census data, about 16% of Key West residents are 65 or older, with median household income of $66,000 and homeownership rate of 44%. The demographic reflects affluent retirees, artists, writers, hospitality workers, maritime professionals, LGBT community members, and people seeking ultimate island lifestyle. The economy centers on tourism, hospitality, maritime activities, arts, military (Naval Air Station Key West), and services, creating a vibrant island economy with strong tourism and cultural employment base.
Key West, incorporated in 1828, is a historic island city known for its tropical beaches, vibrant arts scene, and landmarks like the Ernest Hemingway Home. With a median age of 44 and 62% homeownership in Monroe County, seniors (18.7% of residents) enjoy a unique lifestyle (average home value $750,000). The Monroe County Senior Services offers art classes, fitness programs, and health workshops, engaging Key West’s 65+ community. Annual events like the Key West Fantasy Fest draw retirees for parades, music, and local culture. Bike-friendly streets like Duval Street and the Key West Historic Seaport provide flat, scenic paths for seniors using e-bikes, ideal for staying active. While Key West has local shops, some seniors travel to Marathon (50 miles) for specialty care, making Medigap coverage critical for healthcare access.
Key West’s defining reality is premium tropical island living with unique Conch Republic culture at very high costs with acceptable healthcare for routine needs. This is not ordinary Florida retirement – this is a transformation to a Caribbean-American island lifestyle with complete cultural immersion. For affluent retirees seeking ultimate island experience with artistic community and acceptance of premium costs, Key West provides unmatched American tropical living.
The cost of living is very expensive, among Florida’s absolute highest. Home prices typically range from $600,000-$1,500,000+ for modest properties, with premium waterfront and historic properties reaching $2,000,000-$10,000,000+. The 44% homeownership rate reflects high costs. Groceries cost 30-50% more than on the mainland due to transportation. Insurance is extremely expensive. Everything costs premium prices. For retirees with substantial assets or excellent pensions, Key West makes sense. For those on limited fixed incomes, Key West is financially impossible. This is premium-priced island retirement.
The southernmost point status creates an iconic identity. The famous “Southernmost Point” buoy marks continental USA’s southernmost location. This geographic superlative defines Key West’s identity and attracts visitors worldwide. The island pride in southernmost status pervades culture.
The Conch Republic character defines culture. The 1982 symbolic “secession” from the USA (protesting Border Patrol roadblock) created a Conch Republic identity celebrating independence, humor, and island character. The tongue-in-cheek nation reinforces Key West’s unique identity separate from mainland America. Annual celebrations reinforce Conch character.
The island paradise setting provides spectacular natural beauty. Surrounded by turquoise Gulf of Mexico and Atlantic Ocean waters, Key West offers constant tropical beauty. Coral reefs, mangroves, and marine life create Caribbean ecosystems. The tropical climate (warmest winter temperatures in continental USA) enables year-round outdoor living. Hurricanes are reality but building codes address risks.
The unique culture attracts specific demographics. Key West’s bohemian artistic community, LGBT acceptance, laid-back Caribbean pace, and celebration of individuality create a welcoming environment for diverse populations. The “live and let live” island philosophy appeals to those seeking freedom from conventional expectations.
The rich history creates character. Ernest Hemingway lived and wrote here (home now museum). Harry Truman’s “Little White House” served as a presidential retreat. Mel Fisher’s treasure salvage operations. Cuban refugee history. Naval heritage. The historic architecture, Caribbean-influenced buildings, and preservation create living history.
The Duval Street and downtown area provide world-class entertainment, dining, galleries, and nightlife concentrated in walkable area. Mallory Square’s nightly sunset celebration brings community together. The density of cultural activities rivals cities many times larger.
The water activities define lifestyle. Snorkeling and diving on coral reefs, fishing (sportfishing capital), kayaking mangroves, sailing, and boating aren’t occasional activities, they’re daily life. The marine lifestyle pervades island culture.
The car-free lifestyle is possible. Many Key West residents live without cars, using bikes, scooters, or walking. The compact island (4 miles by 2 miles) makes car-free living practical. Parking challenges encourage alternative transportation.
The island independence creates self-sufficient character. Everything requires planning – groceries, shopping, healthcare, all require island resources or mainland trips. The isolation creates strong community bonds and mutual support.
Healthcare access is Key West’s significant challenge but manageable for routine care. Lower Keys Medical Center (in Key West) provides emergency care, basic surgical services, primary care, and routine hospital care. For routine medical needs, local hospital and providers handle most situations. For complex tertiary care, residents travel to Miami (160 miles, 3.5+ hours) via Overseas Highway or use air ambulance. The Miami medical centers provide world-class tertiary care. Having comprehensive Medigap coverage is essential to protect against costs for local care and especially for expensive Miami transfers and air ambulances when needed.
The relationship with Miami is essential but distant. Miami provides tertiary medical care, major shopping, urban resources, and mainland connection. Key West offers tropical island paradise and unique culture. The 3.5+ hour drive via Overseas Highway (or expensive flights) makes Miami accessible but not convenient. The distance reinforces Key West’s island independence.
The Overseas Highway connection is a lifeline and a scenic wonder. The 113-mile route from Key West to mainland Florida crosses 42 bridges through the Keys, including the spectacular Seven Mile Bridge. The scenic drive is a tourist attraction but also has only road connection. Hurricane evacuations use this single route.
The natural surroundings define everything. Tropical waters, coral reefs, mangroves, marine sanctuary, and Caribbean ecosystems create constant connection to tropical nature. Daily sunsets, warm water, and tropical beauty aren’t vacation, they’re life.
The cost of living extends to all expenses. Dining, entertainment, insurance, utilities, all cost premium prices. Hurricane insurance is extremely expensive. Many retirees accept high costs as price of island paradise.
The safety and security are generally good. Crime rates are reasonable for size. Hurricane preparation is an essential life skill. The island community manages through tropical storms together.
The seasonal character affects island life. Winter (December-April) brings peak tourism, higher prices, and congested downtown. Summer (May-November) is quieter with primarily locals, lower prices, but hurricane season reality. The seasonal rhythm defines island lifestyle.
Retirees are drawn to Key West for specific reasons: ultimate tropical island paradise in continental USA, southernmost point iconic status, unique Conch Republic culture and bohemian character, year-round perfect tropical climate, spectacular natural beauty and turquoise waters, vibrant arts and cultural scene, LGBT-friendly welcoming community, Caribbean lifestyle with American stability, Lower Keys Medical Center locally for routine care, rich history and architectural character, world-class dining and entertainment, car-free living possibility, complete lifestyle transformation, and acceptance of premium costs for authentic island paradise living.
For affluent culturally-oriented retirees with substantial resources seeking ultimate American tropical island experience with unique artistic character, those willing to pay premium prices and accept island isolation in exchange for a spectacular Caribbean-American lifestyle, Key West provides unmatched island retirement. This is premium tropical paradise for people who prioritize complete lifestyle transformation, cultural richness, and natural beauty over cost considerations and mainland convenience.
Healthcare Access in Key West, Florida
Key West residents access healthcare through local hospital and distant tertiary facilities:
Local Hospital:
- Lower Keys Medical Center, 5900 College Road, Key West, hospital providing emergency care, basic surgical services, primary care, diagnostic imaging, laboratory services, routine hospital care
Tertiary Care (Miami, 160 miles, 3.5+ hours or air ambulance):
- Jackson Memorial Hospital (Miami), 1611 NW 12th Avenue, Miami (160 miles, 3.5+ hours via Overseas Highway or air ambulance), comprehensive tertiary hospital
- Baptist Health South Florida (multiple Miami locations), comprehensive tertiary services
- University of Miami Health System, world-class academic medical center
Healthcare Reality:
Key West residents benefit from having Lower Keys Medical Center locally for routine care, emergency services, and basic hospital needs. The hospital handles most medical situations adequately. However, complex tertiary care (advanced cardiac procedures, neurosurgery, complex cancer treatment, transplants) requires Miami (160 miles, 3.5+ hours driving via Overseas Highway or air ambulance).
Air ambulance transport can cost $25,000-$50,000+ without insurance coverage. The distance and logistics make healthcare planning essential.
Having comprehensive Medicare Supplement coverage is ABSOLUTELY ESSENTIAL for Key West residents because:
- Complex care requires expensive Miami transfers
- Air ambulance costs can be catastrophic without coverage
- Even with local hospital, 3.5+ hour drive to tertiary care means costs escalate quickly
- Without Medigap, one hospitalization with Miami transfer could cost $10,000-$20,000+
- Island isolation makes comprehensive coverage essential for peace of mind
Pharmacies:
- CVS Pharmacy, Key West (multiple locations)
- Walgreens, Key West
- Publix Pharmacy, Key West
- Local independent pharmacies, Key West
Medicare-Accepting Doctors Serving Key West Residents
Primary Care (Key West):
- Lower Keys Medical Center, primary care clinics
- Multiple family practice physicians, good local selection
- Monroe County Health Department, 1100 Simonton Street, Key West: Preventive services
Specialists (Key West, limited):
- Some specialists available locally, limited selection
- Most specialist care available in Key West for routine needs
Tertiary Specialists (Miami, 160 miles, 3.5+ hours when needed):
- Advanced cardiac surgery, tertiary centers
- Neurosurgery, tertiary centers
- Complex oncology, tertiary centers
- All tertiary specialties, available in Miami
Note: Key West has good local primary care and some specialists. Complex tertiary care requires Miami (160 miles, 3.5+ hours via Overseas Highway or air ambulance). Always verify Medicare acceptance.
Driving Distances to Key Facilities
Facility | Location | Distance from Key West | Drive Time |
Lower Keys Medical Center | Key West, FL | Local | 5-10 minutes |
Jackson Memorial Hospital | Miami, FL | 160 miles | 3.5+ hours |
Baptist Health South Florida | Miami, FL | 160 miles | 3.5+ hours |
Note: Air ambulance significantly reduces time but costs $25,000-$50,000+ without insurance coverage
The Monroe County Senior Services (3130 Flagler Ave, Key West, 1 mile) provides free health screenings and transportation for the 18% of seniors without vehicles. Medigap plans cover coinsurance and copays, ensuring affordability for these services in Key West’s island setting.
I use Medicare.gov’s Care Compare and Florida Health Finder to locate Medicare-accepting doctors and hospitals, ensuring affordable care with United American plans.
Local Resources & Next Steps
Monroe County Resources for Seniors:
- Monroe County Social Services, programs and support
- Area Agency on Aging for Southwest Florida, elder services: (866) 413-5337
- Florida SHINE (Serving Health Insurance Needs of Elders), free Medicare counseling: 1-800-963-5337
- Monroe County Health Department, preventive services and basic care
Healthcare Resources:
- Lower Keys Medical Center, (305) 294-5531
Community Resources:
- Monroe County Public Library, Key West: Programs and resources
- Mallory Square, famous sunset celebration
- Key West Art & Historical Society, museums and cultural preservation
- Hemingway Home and Museum, literary landmark
- Harry S Truman Little White House, presidential history
- Fort Zachary Taylor State Park, beaches and historic fort
- Local galleries and theaters, vibrant arts scene
- Community events, Fantasy Fest, Conch Republic Independence Celebration, numerous island festivals
Additional Support:
- Florida Department of Elder Affairs, elderaffairs.org
- Medicare.gov, official Medicare information and plan finder tool
- Monroe County Government, monroecounty-fl.gov
Visit Monroe County Senior Services for free wellness programs and transport. Check Medicare.gov for plan comparisons. Schedule a free quote with us to secure your Medigap coverage in Key West.
We Offer Expert Guidance to Your Perfect Supplement Plan
We’ll dive into your unique needs, simplify the maze of plan options, and guide you with clear, honest advice. My hands-on approach, backed by thousands of client success stories—ensures you get coverage that fits your life, stress-free.
We analyze your healthcare needs, budget, and preferences to recommend the best Medicare Supplement (Medigap) plans, clarifying coverage gaps like deductibles or copays that Original Medicare doesn’t cover
We simplify the complex enrollment process, ensuring clients meet deadlines, understand eligibility, and avoid penalties, while navigating them through plan options with clear, jargon-free explanations.
We offer continued assistance post-enrollment, helping with claims, plan changes, or unexpected issues, and stay updated on policy shifts to keep clients’ coverage aligned with their evolving needs.
Our Medigap Services for Key West, FL Residents
We specialize in helping Monroe County seniors navigate Medicare Supplement options with understanding of island isolation:
✓ Free Plan Comparisons, we’ll show you rates from top-rated carriers available in ZIP code 33040
✓ Island Healthcare Understanding, we know Key West has local hospital for routine care but Miami access required for tertiary care
✓ Personalized Recommendations, your health needs and island situation matter; we find plans that work
✓ Application Assistance, we handle all paperwork completely free
✓ Year-Round Support, questions? We’re here to help anytime
✓ No-Pressure Guidance, patient, respectful advice, never pushy
✓ Plain Talk, simple, clear language
✓ Florida Keys Appreciation, understanding of Key West’s unique island character and medical logistics
We’ve helped many Key West and Monroe County residents find Medicare Supplement plans that provide essential protection for island living. We work entirely by phone or email to accommodate your needs, always with patience and understanding.
Common Medicare Questions from Key West Residents
“Do I need a Medigap plan if I already have Original Medicare and we have a local hospital?”
For Key West residents, a Medicare Supplement plan is ABSOLUTELY ESSENTIAL, even with Lower Keys Medical Center locally. While having a local hospital is valuable for routine care and emergencies, complex tertiary care requires Miami (160 miles, 3.5+ hours or air ambulance). Air ambulance alone can cost $25,000-$50,000+ without coverage. Original Medicare leaves you responsible for deductibles, copays, and coinsurance. One complex hospitalization with Miami transfer could cost $10,000-$20,000+ out-of-pocket without Medigap. The island isolation and distance to tertiary care make comprehensive Medigap coverage essential for island residents.
“Which plan should I choose – Plan G or Plan N?”
For Key West, both Plan G and Plan N merit consideration. Plan G ($140-180/month typically) provides the most comprehensive coverage with zero copays, eliminating all cost-sharing. This gives complete peace of mind especially for potential air ambulance and Miami transfer scenarios. Plan N ($100-140/month typically) saves $35-50 monthly ($420-600 annually) but requires small copays ($20 office visits, $50 ER visits waived if admitted). Given Key West’s high cost of living, many residents choose Plan G for complete coverage. However, Plan N provides excellent protection at lower cost. We’ll help you analyze your situation and decide which fits your needs and budget.
“Can I use my Medigap plan at Key West hospital and in Miami?”
Absolutely! That’s the critical benefit of Medicare Supplement plans, they work with any doctor or hospital that accepts Original Medicare, anywhere in the United States. Whether you’re getting routine care at Lower Keys Medical Center (right here in Key West), tertiary care in Miami (when needed), or traveling elsewhere, your coverage works identically. No networks, no geographic restrictions, complete freedom to choose your healthcare providers. This is especially valuable in Key West where you have local care plus Miami tertiary access when needed.
“When is the best time to enroll in a Medigap plan?”
The ideal time is during your Medigap Open Enrollment Period, the 6-month window starting when you’re 65 or older and enrolled in Medicare Part B. During this guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions. Don’t wait, enroll as soon as you’re eligible.
Get Your Free Key West Medicare Supplement Quote Today
You’ve chosen Key West for its unmatched island paradise and unique culture, now protect your health and financial security with the right Medicare coverage. Whether you’re new to Medicare or looking to switch plans during Annual Enrollment, we’re here to help Key West residents find the best Medigap solutions for island living.
Find Your Plan Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services
Main Cities and Towns In Monroe County
Key Largo, Marathon, Islamorada, Stock Island, Big Pine Key, Big Coppitt Key, Cudjoe Key, Tavernier, North Key Largo, Duck Key, Key Colony Beach, Layton
Disclaimer:
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and are subject to underwriting and change.
We do not market Advantage plans. Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. Availability varies by area. Services available where licensed.
We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.
MedicareSupplementOnly.com is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
No tax or legal advice is provided. Consult your tax advisor or attorney regarding your specific situation. Email and text communications may not be fully secure; please avoid sending sensitive personal information unless requested through a secure channel. All trademarks and logos are the property of their respective owners.



