Searching for The Best Medicare Supplement Plans Available In Sebring, Florida?

Tailored Medigap Plan quotes for Highlands County seniors. Get personalized coverage today.

Why Medicare Supplements Matter Here in Sebring: Your Guide to Coverage

Downtown Sebring Florida, circular city layout around Lake Jackson and Ridge community

Finding the Right Medigap Coverage for Your Sebring Retirement

Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Sebring or turning 65 soon, we help residents across Highlands 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

 

Sebring Senior Demographics & Lifestyle

According to U.S. Census data, Sebring has one of Florida’s most established senior communities:

  • Population: Approximately 11,000
  • Residents 65+: About 35% (among the highest in Florida)
  • Median age: 56 years
  • Median household income: $42,000
  • Home ownership rate: 68%
  • Affordability: Housing costs are 30-40% below Florida state average; property taxes significantly lower than coastal areas

Many Sebring retirees enjoy:

  • Lake Living: Lake Jackson, Lake Istokpoga, and dozens of other lakes for fishing, boating, and waterfront homes at affordable prices
  • Golf Paradise: More than a dozen golf courses including Harder Hall Country Club, Sun ‘N Lake Golf Club, and many others—year-round play at reasonable rates
  • Downtown Circle: Unique circular downtown with shops, restaurants, farmers market, community events, and Friday night concerts
  • Racing Heritage: Sebring International Raceway events including the world-famous 12 Hours of Sebring
  • Arts & Culture: Sebring Performing Arts Center, Highlands Little Theatre, art galleries, and monthly cultural events
  • Outdoor Recreation: Highlands Hammock State Park (one of Florida’s oldest parks), hiking, cycling, bird watching
  • Aviation: Sebring Regional Airport and active aviation community with fly-ins and air shows
  • Festivals: Sebring Soda Festival, Fine Arts & Crafts Festival, Christmas events, car shows
  • Affordability: One of Florida’s most budget-friendly retirement destinations with low property taxes
  • Senior Programs: Highlands County Senior Services offers extensive programs—meals, fitness classes, day trips, social activities at the Alan Jay Wildstein Center
  • Active Lifestyle: Many 55+ communities including Sun ‘N Lake Estates

Sebring appeals particularly to retirees seeking an affordable Florida lifestyle without sacrificing quality of life. The strong sense of community, outdoor activities, and significantly lower cost of living make it ideal for those on fixed incomes who still want warmth, recreation, and good healthcare access.

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. 

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. 

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

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.

ebook cover which describes "Choosing a Medigap Policy" offered my Medicare.gov
Download Your Free Comparison Guide

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.

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 Sebring?

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

Sebring-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 Sebring Residents Need Medicare Supplement Coverage

Sebring residents face healthcare challenges that make Medicare Supplement coverage especially important:

Limited Local Hospital: Sebring has Florida Hospital Sebring (now AdventHealth Sebring) locally providing emergency care, surgical services, and routine hospital care. However, comprehensive tertiary care requires driving to Lakeland (60 minutes) or potentially Tampa (90 minutes). The small hospital handles most routine needs but complex cases require tertiary centers.

Fixed Income Reality: With median household income of $41,000, below Florida averages, most Sebring residents live on Social Security and modest pensions. One complex hospitalization requiring Lakeland or Tampa transfer could cost $5,000-$15,000 without Medigap, devastating for residents on limited fixed incomes. For those who’ve chosen Sebring for affordable Ridge living, one serious medical event without coverage can destroy financial security.

Distance to Tertiary Care: While local hospital handles routine care, complex cardiac procedures, advanced cancer treatment, neurosurgery, and tertiary specialties require Lakeland (60 minutes) or Tampa (90 minutes). The distance to comprehensive care means costs escalate for complex treatment. Comprehensive Medigap coverage ensures financial barriers don’t prevent accessing necessary specialized care.

Plan N: The Practical Choice for Sebring: For Sebring’s budget realities, Plan N typically offers the best value, saving $35-50 monthly compared to Plan G while providing essential protection. That $420-600 annual savings matters significantly on $41,000 median income. With Plan N, you pay small copays ($20 office visits, $50 ER visits waived if admitted), but the monthly savings often outweigh these occasional costs. For residents on tight fixed incomes in a community where 31% are seniors, Plan N provides crucial protection without overwhelming the budget. The local hospital handles most needs, but Plan N protects you when tertiary care in Lakeland or Tampa becomes necessary.

About Sebring: Community Snapshot for Seniors

Sebring is Highlands County’s seat, a small city of approximately 11,000 residents that serves as the governmental center for one of Central Florida’s Ridge counties. Located on Lake Jackson at higher elevation in the Ridge region, Sebring offers very affordable living, an established retirement community, and authentic Central Florida character.

According to U.S. Census data, about 31% of Sebring residents are 65 or older (extremely high senior percentage, one of Florida’s highest), with median household income of $41,000 and homeownership rate of 58%. The demographic reflects retirees on modest fixed incomes, county employees, working-class residents, and people seeking very affordable Central Florida Ridge living. The economy centers on county government, healthcare (Florida Hospital Sebring), retail, services, and retiree-oriented businesses, creating retiree-focused small-city character with strong senior presence.

Sebring’s defining advantage is very affordable Central Florida living with an extremely high senior population and county seat services. The extraordinarily high 31% senior population creates an established retiree community with senior-friendly amenities, social opportunities, and services. The county seat status ensures government services. The local hospital provides routine care. Yet Sebring maintains costs among Central Florida’s absolute lowest.

The cost of living is very affordable for Central Florida. Home prices typically range from $110,000-$190,000 for modest homes, with many properties available under $140,000. For retirees on Social Security and modest pensions, Sebring makes independent Central Florida living possible at prices well below coastal or major metro areas. This is budget-friendly Ridge retirement with an established senior community.

The county seat location provides essential services. Highlands County courthouse, county government offices, county library, and county services concentrate in Sebring. This ensures access to government services and provides a stable local employment base. The county seat status maintains Sebring’s regional importance.

The extremely high senior population (31%) defines community character. With nearly one-third of residents 65 or older, Sebring has established a retirement community atmosphere. Senior centers, activities, services, and social opportunities cater to retirees. The high percentage signals a retiree-friendly community and established retirement destination. For retirees, the demographics indicate compatibility and social opportunities.

Lake Jackson creates a scenic downtown centerpiece. The beautiful freshwater lake at city center provides waterfront downtown character rare in Florida. The circular downtown layout around the lake creates distinctive urban design. Lakefront parks, walking paths, and water views enhance quality of life. The lake defines Sebring’s character and provides constant natural beauty.

The Highlands Ridge location provides a geographical distinction. Sebring sits at a higher elevation (200+ feet above sea level) in Florida’s Lake Wales Ridge region. The rolling hills, higher elevation, and ridge geography create a landscape distinct from flat coastal Florida. The ridge location provides better drainage, interesting topography, and slightly different climate.

The historic downtown preserves character. The circular downtown layout around Lake Jackson, historic buildings, and small-city atmosphere maintain authentic Florida character. The downtown walkability and lake access create a pleasant environment.

The Sebring International Raceway creates a famous racing heritage. The historic racing circuit hosts major events and brings racing culture to the community. The raceway provides identity and occasional excitement while maintaining a retirement-friendly atmosphere most of the year.

The small-city atmosphere creates genuine community. With 11,000 residents, Sebring maintains a small-city scale where people know neighbors. Community events, senior activities, and church involvement strengthen bonds. The atmosphere is friendly, Southern, and predominantly retiree-oriented.

The strategic location provides regional access. Tampa (90 minutes west) provides major urban resources and comprehensive healthcare. Lakeland (60 minutes west) provides a closer hospital and shopping. Orlando (90 minutes northeast) accessible for attractions. The central position provides regional access while maintaining affordability.

Healthcare access reflects small-city reality. Florida Hospital Sebring (now AdventHealth Sebring) provides emergency care, surgical services, primary care, and routine hospital care locally. For complex tertiary care, residents travel to Lakeland Regional Health Medical Center (60 minutes) or Tampa hospitals including Tampa General, Moffitt Cancer Center, and others (90 minutes). Having a local hospital for routine needs while maintaining reasonable tertiary access creates an acceptable healthcare situation for the Ridge area. Having comprehensive Medigap coverage is essential to protect against costs at local hospitals and especially for Lakeland or Tampa transfers when needed.

The relationship with Lakeland and Tampa is essential. These cities provide comprehensive tertiary healthcare, major shopping, and urban resources. Sebring offers county seat services, small-city character, Lake Jackson beauty, and extreme affordability. The 60-90 minute drives are manageable for complex healthcare and occasional urban trips while maintaining a budget-friendly lifestyle.

The natural surroundings provide Central Florida character. Lake Jackson, numerous lakes in the area, citrus groves, and Old Florida landscape create connection to agricultural Central Florida. The natural beauty complements small-city convenience.

The cost of living extends beyond housing. Groceries and services cost less than coastal areas. The small-city scale reduces expenses. Many residents live modestly on limited incomes within established senior communities.

The safety and security are good for a small city. Crime rates are reasonable, the senior-focused community creates security, and the county seat ensures adequate law enforcement. The high senior population creates mutual awareness and community support.

The seasonal character is moderate. Central Florida summers are hot and humid with afternoon storms. Winters are mild and pleasant, attracting seasonal residents. Year-round living is comfortable with seasonal preferences.

Retirees are drawn to Sebring for specific compelling reasons: very affordable Central Florida living among region’s lowest costs, extraordinarily high senior population (31%) creating established retiree community, county seat location providing essential services, beautiful Lake Jackson downtown waterfront, Florida Hospital Sebring locally for routine care, historic downtown and circular city layout, Highlands Ridge higher elevation and rolling hills, ability to live on modest Social Security within senior-friendly community, safe environment with retiree focus, traditional Central Florida values, 60-90 minutes to Lakeland and Tampa for tertiary care, and exceptional affordability with strong senior community creating ideal budget retirement.

For budget-conscious retirees seeking very affordable Central Florida living with extremely high senior population and established retiree community, county seat services, local hospital, and authentic Ridge character, Sebring provides exceptional value with strong senior-oriented advantages. This is authentic Central Florida Ridge retirement for people who prioritize affordability, senior community, and traditional small-city character with reasonable access to regional healthcare.

 

Healthcare Access in Sebring, Florida

Sebring residents access healthcare through local hospital and regional facilities:

Local Hospital:

  • AdventHealth Sebring
    Located at 4200 Sun ‘n Lake Blvd, Sebring, FL 33872, this hospital is about 5 miles from central Sebring, a 10-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment.
  • HCA Florida Highlands Hospital
    Found at 3600 S Highlands Ave, Sebring, FL 33870, this facility is about 2 miles from Sebring, a 5-minute drive. It provides comprehensive care, including oncology and orthopedics, and accepts Medicare Assignment.
  • AdventHealth Lake Placid
    Located at 1210 US Hwy 27 N, Lake Placid, FL 33852, this hospital is approximately 15 miles from Sebring, a 20-minute drive. It offers emergency and specialty care, and accepts Medicare Assignment.
  • Florida Hospital Heartland Medical Center
    Found at 4200 Sun ‘n Lake Blvd, Sebring, FL 33872 (co-located with AdventHealth Sebring), this facility is about 5 miles from Sebring, a 10-minute drive. It provides surgical and specialty services, and accepts Medicare Assignment.
  • Highlands Regional Medical Center
    Located at 3600 S Highlands Ave, Sebring, FL 33870 (co-located with HCA Florida Highlands Hospital), this facility is about 2 miles from Sebring, a 5-minute drive. It offers advanced cardiac and surgical care, and accepts Medicare Assignment.
  • AdventHealth Wauchula
    Found at 735 S 5th Ave, Wauchula, FL 33873, this facility is about 30 miles from Sebring, a 40-minute 


Regional Tertiary Care:

  • Lakeland Regional Health Medical Center (Lakeland), 1324 Lakeland Hills Boulevard, Lakeland (60 minutes west), hospital providing comprehensive services including cardiac care, cancer care, neuroscience, Level II trauma center

  • Tampa General Hospital (Tampa), 1 Tampa General Circle, Tampa (90 minutes west), academic medical center providing comprehensive tertiary services, Level I trauma center

  • Moffitt Cancer Center (Tampa), 12902 USF Magnolia Drive, Tampa (90 minutes west), comprehensive cancer center

Healthcare Reality:

Sebring residents benefit from having AdventHealth Sebring locally for routine care, emergency services, and basic hospital needs. The hospital handles most medical situations adequately. For complex tertiary care (advanced cardiac procedures, neurosurgery, complex cancer treatment, transplants), residents travel to Lakeland (60 minutes) or Tampa (90 minutes). The local hospital combined with reasonable regional access creates acceptable Ridge area healthcare.


Having comprehensive Medicare Supplement coverage is ESSENTIAL for Sebring residents because:

  • Complex care requires Lakeland or Tampa transfers (60-90 minutes)
  • Local hospital handles basics but tertiary situations arise
  • Without Medigap, one hospitalization could cost $5,000-$15,000+, catastrophic for residents on $41,000 median income
  • Ridge area with 31% seniors needs comprehensive coverage for accessing tertiary care without financial barriers

 

Pharmacies:

  • CVS Pharmacy – Multiple Sebring locations including 3919 US Highway 27 South
  • Walgreens – 140 US Highway 27 North, Sebring
  • Walmart Pharmacy – 3551 US Highway 27 South, Sebring
  • Publix Pharmacy – Several Highlands County locations
  • Local independent pharmacies, Sebring

 

Medicare-Accepting Doctors Serving Sebring Residents

Primary Care (Sebring):

  • AdventHealth Sebring, primary care clinics
  • Multiple family practice physicians, good local selection
  • Highlands County Health Department, 7205 South George Boulevard, Sebring: Preventive services

Specialists (Sebring, moderate selection):

  • Some specialists available locally
  • Routine specialist care available

Tertiary Specialists (Lakeland or Tampa, 60-90 minutes when needed):

  • Advanced cardiac surgery, tertiary centers
  • Neurosurgery, tertiary centers
  • Complex oncology, Moffitt Cancer Center Tampa
  • All tertiary specialties, available in Lakeland and Tampa


Note: Sebring has good local primary care and AdventHealth Sebring. Some specialists available locally. Complex tertiary care requires Lakeland (60 minutes) or Tampa (90 minutes). Always verify Medicare acceptance.

 

Driving Distances to Key Facilities

Facility

Location

Distance from Sebring

Drive Time

AdventHealth Sebring

Sebring, FL

Local

5-10 minutes

Lakeland Regional Health Medical Center

Lakeland, FL

55 miles

60 minutes

Tampa General Hospital

Tampa, FL

85 miles

90 minutes

Moffitt Cancer Center

Tampa, FL

87 miles

90 minutes

Highlands County Health Department – 7205 South George Boulevard, Sebring, FL 33876

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

Highlands County Resources for Seniors:

  • Highlands County Senior Services – Alan Jay Wildstein Center, 600 South Commerce Avenue, Sebring: Comprehensive programs including meals, fitness, social activities, transportation: (863) 402-6517
  • Highlands County Council on Aging, programs and support
  • Area Agency on Aging of Southwest Florida, elder services: (866) 413-5337
  • Florida SHINE (Serving Health Insurance Needs of Elders), free Medicare counseling: 1-800-963-5337
  • Highlands County Health Department, preventive services

Healthcare Resources:

  • AdventHealth Sebring, (863) 314-4466

Community Resources:

  • Highlands County Public Library, Sebring
  • Highlands County Courthouse, historic county seat and government services
  • Lake Jackson, downtown waterfront and recreation
  • Sebring International Raceway, racing heritage
  • Highlands Hammock State Park, natural beauty
  • Senior centers, numerous retiree activities and programs
  • Local churches, strong faith community throughout Sebring
  • Community events, seasonal celebrations catering to high senior population

Additional Support:

    • Florida Department of Elder Affairs, elderaffairs.org
    • Medicare.gov, official Medicare information and plan finder tool
    • Highlands County Government, hcbcc.org

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 Services for Sebring, FL Residents

We specialize in helping Highlands County seniors navigate Medicare Supplement options with understanding of budget constraints:

Free Plan Comparisons, we’ll show you rates from top-rated carriers available in ZIP code 33870

Budget Focus, we understand Sebring’s high senior population (31%) living on modest pensions and Social Security; we prioritize affordable coverage

Personalized Recommendations, your health needs and financial situation matter; we find plans that work for limited budgets

Application Assistance, we handle all paperwork completely free

Year-Round Support, questions? We’re here to help anytime

Ridge Healthcare Understanding, we know Sebring has local hospital for basics but tertiary care requires Lakeland or Tampa

No-Pressure Guidance, patient, respectful advice, never pushy

Plain Talk, simple, clear language

Dignity and Respect, we treat everyone with respect regardless of income level

Senior Community Appreciation, understanding of Sebring’s exceptional retiree focus and established senior community


We’ve helped many Sebring and Highlands County residents, including those in the large senior community on modest fixed incomes, find Medicare Supplement plans that provide essential protection without overwhelming limited budgets. We work entirely by phone or email to accommodate your needs, always with patience and understanding.

Common Medicare Questions from Sebring Residents


“Do I need a Medigap plan if we have AdventHealth Sebring locally?”

For Sebring residents, a Medicare Supplement plan is ESSENTIAL, even with AdventHealth Sebring locally. While having a local hospital is valuable for routine care and emergencies, complex tertiary care requires Lakeland (60 minutes) or Tampa (90 minutes). Original Medicare leaves you responsible for deductibles, copays, and coinsurance. One hospitalization at the local hospital could cost $1,564+ (Part A deductible) plus 20% of Part B costs. If you need tertiary care in Lakeland or Tampa, costs could reach $5,000-$15,000+ out-of-pocket, that would financially devastate most Sebring residents living on $41,000 median income. The local hospital handles most needs, but Medigap protects you for all situations.

“Which plan can I afford on limited pension or Social Security?”

Plan N is almost always the right choice for Sebring residents on modest fixed incomes. The monthly premium is typically $35-50 lower than Plan G, that’s $420-600 saved per year. With Plan N, you pay small copays when you see doctors ($20 for office visits, $50 for ER visits that’s waived if admitted), but you save significantly on monthly costs. For someone living on pension and Social Security in Sebring where 31% of residents are seniors on similar budgets, that monthly premium difference can be meaningful. Plan N around $100-140 monthly is manageable; Plan G around $140-180 monthly might be tight. We’ll help you find the most affordable option that still provides crucial protection.

“Can I use my Medigap plan at AdventHealth Sebring and in Lakeland or Tampa?”

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 AdventHealth Sebring (right here locally), tertiary care at Lakeland Regional (60 minutes) or Tampa hospitals including Moffitt Cancer Center (90 minutes when needed), or traveling elsewhere to visit family, your coverage works identically. No networks, no geographic restrictions, complete freedom to choose your healthcare providers.


“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 Sebring Medicare Supplement Quote Today

You’ve chosen Sebring for its affordability and exceptional senior community, 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 Sebring residents find the most affordable Medigap solutions.

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

Other Cities and Towns In Highlands County

Avon Park, Lake Placid

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.

Contact: info@MedicareSupplementsOnly.com or 239.633.4392

Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, and MCC Brokerage located in Tampa, Florida.
 
Content reviewed by Charles Lunsford, Licensed Life & Health Agent, FL
Disclaimer last updated: December 16, 2025,
 
License A169316 | Privacy Policy | Terms of Service
`
Last updated: November 9, 2025
Scroll to Top