Medicare Supplement Help, Start to Finish
One licensed agent from your first question to your yearly rate check. Free to you, with no pressure.
Free and no obligation. A licensed agent will send your quote within 24 hours.
One agent, from your first question to your yearly rate check
I’m Chuck Lunsford. I’ve helped people with Medicare Supplement insurance since 1994, and Medigap is the only kind of Medicare coverage I sell. When you call, you talk to me, not a call center, and I’m still the one you call after you enroll.
I’m licensed in Florida and Alabama and work with clients by phone and email anywhere in both states.
My help costs you nothing. The insurance company pays my commission. Medicare Supplement rates are filed with the state, and using an agent does not add anything to your premium.
How it works
Tell me what you need
Call, book a 15-minute call or fill out the quote form. I’ll ask for your ZIP code, date of birth, current coverage and when you want your plan to start.
Compare side by side
I’ll show you Plan G, Plan N and High-Deductible Plan G, plus any other plan that fits, with prices from the companies I work with.
Apply with help
I walk you through the application and the timing, so your new coverage starts the day your old coverage ends, with no gap.
Check in every year
Rates change. Each year I can compare what you pay with your other options and tell you whether switching makes sense.
What I help with
Every Medicare Supplement plan letter pays the same benefits no matter which company sells it. So most of my work is helping you choose the right plan letter, apply at the right time and pay a fair price.
Plain-English Medicare answers
How Parts A and B work, what Original Medicare leaves you paying and what each plan covers. The plan comparison chart shows it at a glance.
Plan comparisons, A through N
Because benefits are standardized, I compare price, the company’s rate history and service. The premium estimator gives you a quick price range for your ZIP code.
Enrollment timing
Your 6-month Medigap open enrollment starts the month you are 65 and enrolled in Part B. During it, no company can turn you down or charge more because of your health.
Guaranteed-issue rights
Losing employer coverage, moving out of a plan’s area or leaving Medicare Advantage in your first year can give you the right to buy certain plans with no health questions. I’ll check whether you qualify and the deadline.
Health questions
Outside those windows, most companies ask health questions. I’ll go over them with you before you apply, so you know where you stand and which companies to consider.
Leaving Medicare Advantage
If you want your choice of doctors back, I’ll explain how to return to Original Medicare and when to apply for a Supplement and a drug plan, so there is no gap.
Under 65 with Medicare
If you have Medicare because of a disability, Florida gives you a 6-month window after you enroll in Part B to buy a Medicare Supplement, and companies must offer you coverage.
Yearly rate review
When your premium goes up, I’ll compare it with other options available to you and tell you honestly if staying put is the better choice.
Help after you enroll
Bills, letters from Medicare or your insurance company, claim questions. Call, text or email me and I’ll help sort it out.
Who I usually help
- People turning 65 and new to Medicare
- People retiring from a job or leaving employer or union coverage
- People facing a rate increase on their current Medicare Supplement
- People leaving a Medicare Advantage plan for Original Medicare
- People under 65 on Medicare because of a disability
- Adult children helping a parent sort out coverage
Why work with me
Licensed since 1994
More than 30 years of helping people in Florida with Medicare Supplement coverage, and licensed in Alabama as well.
Medigap only
I don’t sell Medicare Advantage, so there’s no reason for me to steer you toward it.
Any doctor, anywhere
Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, with no networks or referrals.
Direct access
You reach me, not a call center. I reply within 24 hours, usually sooner.
Common questions
Which Medicare plans do you help with?
Medicare Supplement (Medigap) plans A through N, which work alongside Original Medicare Parts A and B. I don’t sell Medicare Advantage.
Do you charge a fee for your services?
No. The insurance company pays my commission, and using an agent does not add anything to your premium.
Can you help during special or guaranteed-issue periods?
Yes. I’ll confirm whether you have a guaranteed-issue right, which plans it lets you buy and your deadline to apply, which is usually 63 days after your other coverage ends.
Do you offer Medicare Advantage plans?
No. I work only with Medicare Supplement plans.
What do I need to apply?
Your Medicare card showing your Part A and Part B start dates. If the application has health questions, a list of your medications and doctors helps. If you want automatic premium payments, have your bank information handy.
Do you serve my area?
Yes. I work with clients anywhere in Florida and Alabama by phone and email. See the Florida guide for rates by region.
How do we get started?
Call (239) 633-4392, book a 15-minute call or request a quote online. I’ll reply within 24 hours. More answers are on the Medicare Supplement FAQ page.
Talk with Chuck directly
Tell me where you are with Medicare and I’ll lay out your options in plain English. There is no cost and no obligation.
or email info@medicaresupplementsonly.comDisclaimer:
Site Ownership and Licensing
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
Insurance product descriptions on this site are provided for informational and 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 may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
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.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified 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 Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, Aetna, HealthSpring (formerly Cigna), Medico, Mutual of Omaha, Physicians Mutual, WPS Health Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216