Searching for The Best Medicare Supplement Plans Available In Pembroke Pines, Florida?
Tailored Medigap Plan quotes for Broward County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Pembroke Pines: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Pembroke Pines Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Pembroke Pines or turning 65 soon, we help residents across Broward 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
Pembroke Pines Senior Demographics & Lifestyle
According to U.S. Census data, Pembroke Pines is a large suburban city:
- Population: Approximately 172,000
- Residents 65+: About 18%
- Median age: 42 years
- Median household income: $68,000
- Home ownership rate: 72%
- Affordability: Upper-middle-class; comfortable suburban
Many Pembroke Pines retirees enjoy:
- Moderate Senior Population: 18% seniors in an upper-middle-class suburban city
- Large Suburban Character: Second-largest city in Broward County
- Upper-Middle-Class Community: Comfortable-income suburban living
- Memorial Hospital Pembroke: Hospital LOCAL in Pembroke Pines
- Memorial Hospital West: Hospital LOCAL in Pembroke Pines
- Safe Environment: Excellent security, family-oriented suburban values
- Pembroke Lakes Mall: Major shopping destination
- High Homeownership: 72% own homes showing strong stability
- Strategic Location: Southwest Broward County, I-75 corridor
- Charter Schools: Excellent education system
- Pembroke Pines City Center: Civic and cultural center
- Miami Proximity: 18 miles to downtown Miami
- STRONG INLAND PROTECTION ADVANTAGE: Well inland location significantly reduces hurricane impacts
Pembroke Pines attracts upper-middle-class retirees seeking affordable suburban living. The combination of upper-middle-class costs with a $68,000 comfortable median income, a moderate senior population (18%), high homeownership (72%), Memorial Hospital Pembroke AND Memorial Hospital West BOTH LOCAL providing EXCEPTIONAL dual local hospital access, Pembroke Lakes Mall shopping, excellent charter schools system, Pembroke Pines City Center, Miami proximity, Southwest Broward County I-75 corridor location WELL inland with STRONG INLAND PROTECTION ADVANTAGE from direct coastal hurricane impacts while still experiencing Hurricane Irma, Wilma, and storm impacts, and comfortable suburban living makes it ideal for upper-middle-class retirees who prioritize exceptional dual local hospital access, excellent suburban amenities, family-oriented character, and comfortable Southwest Broward County suburban living on comfortable budgets while understanding moderate inland hurricane vulnerability with strong protection advantage from worst coastal devastation.
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 Pembroke Pines?
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)
- 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
Pembroke Pines-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 Pembroke Pines Residents Need Medicare Supplement Coverage
Pembroke Pines residents face healthcare challenges that make Medicare Supplement coverage important:
EXCEPTIONAL Dual Local Hospital Access: Pembroke Pines has EXCEPTIONAL dual local hospital access with Memorial Hospital Pembroke AND Memorial Hospital West BOTH located in Pembroke Pines, providing emergency care, surgical services, and comprehensive hospital services. This EXCEPTIONAL dual local hospital access is THE most critical advantage for the large suburban city, extremely important for the 18% senior population.
Upper-Middle-Class Income with Asset Protection: With a median household income of $68,000, upper-middle-class and comfortable for the area, most Pembroke Pines residents have substantial retirement resources. The 18% senior population, moderate representing solid retirement presence, represents MASSIVE numbers (approximately 30,960 seniors) in the large 172,000-resident suburban city. One hospitalization could cost $5,000-$15,000 without Medigap, manageable but still a concern for upper-middle-class retirees focused on asset protection. For those who’ve chosen Pembroke Pines for affordable suburban living, protecting substantial assets is important while accepting moderate inland hurricane vulnerability.
Hurricane Irma, Wilma and Storm History with MODERATE INLAND EXPOSURE and STRONG PROTECTION ADVANTAGE: As a Southwest Broward County inland suburban city WELL inland (12+ miles from Atlantic coast), Pembroke Pines experienced moderate to significant hurricane impacts but with STRONG INLAND PROTECTION ADVANTAGE from catastrophic direct coastal devastation:
Hurricane Irma (September 2017): Category 1-2 impacts brought MODERATE to SIGNIFICANT damage to Pembroke Pines but SIGNIFICANTLY LESS than catastrophic direct coastal devastation. Moderate to significant wind damage of 70-85 mph throughout large suburban city, some flooding in areas from heavy rainfall, property damage throughout city affecting thousands of properties, tree damage throughout suburban areas, extended power outages lasting days to weeks affecting all 30,960 seniors, difficult recovery on comfortable budgets, and moderate to substantial costs. Pembroke Pines experienced moderate to significant impacts but the WELL INLAND LOCATION provided STRONG PROTECTION from catastrophic coastal storm surge of 5-10+ feet and worst beachfront total destruction that devastated direct Atlantic coastal communities, demonstrating the STRONG INLAND PROTECTION ADVANTAGE.
Hurricane Wilma (October 2005): Category 2-3 impacts brought SIGNIFICANT to SEVERE damage to Pembroke Pines. Significant to severe wind damage of 85-105 mph throughout suburban city, some flooding, widespread property damage throughout city, tree damage throughout suburban areas, extended power outages lasting days to weeks, difficult to extremely difficult recovery on comfortable budgets, and substantial to devastating costs. The WELL INLAND LOCATION provided important protection from catastrophic coastal impacts.
Hurricane Katrina (August 2005): Just two months before Wilma, Category 1 impacts brought moderate damage including wind damage, flooding, property damage, power outages, and recovery costs. The back-to-back Katrina then Wilma impacts challenged Pembroke Pines residents.
Numerous hurricanes and tropical systems over decades have brought South Florida inland impacts, wind damage, flooding from rainfall, but STRONG PROTECTION from catastrophic coastal storm surge. Pembroke Pines’s well inland location creates MODERATE inland hurricane exposure with STRONG PROTECTION ADVANTAGE from worst direct coastal devastation.
Pembroke Pines’s well inland location creates MODERATE INLAND HURRICANE EXPOSURE with STRONG PROTECTION ADVANTAGE – moderate vulnerability but strong protection from catastrophic coastal impacts. Wind damage as hurricanes cross well inland South Florida, flooding from heavy rainfall during major storms, property damage has been moderate to severe with Irma/Wilma causing moderate to severe damage BUT SIGNIFICANTLY LESS than catastrophic coastal total devastation, insurance costs are moderate (significantly lower than direct coastal properties), and the moderate inland exposure with STRONG PROTECTION ADVANTAGE from catastrophic coastal storm surge and total beachfront destruction is an important consideration for upper-middle-class budgets. Pembroke Pines’s WELL INLAND LOCATION (12+ miles from Atlantic coast) prevented the catastrophic total devastation and complete property destruction that occurred in direct Atlantic coastal communities – while coastal areas experienced catastrophic storm surge total devastation, Pembroke Pines experienced moderate to significant wind damage and some flooding, demonstrating the significant value of the STRONG INLAND PROTECTION ADVANTAGE. This context makes comprehensive insurance coverage, including Medigap, important for protecting substantial assets while living in a suburban city with moderate inland hurricane vulnerability and strong protection advantage from worst coastal devastation.
Plan N: Practical Value for Pembroke Pines: For Pembroke Pines’s upper-middle-class income profile with a $68,000 median income, Plan N typically offers excellent value, saving $35-50 monthly versus Plan G. That’s $420-600 annually, meaningful savings for upper-middle-class comfortable income. Plan N provides comprehensive protection with small copays ($20 office, $50 ER waived if admitted), making it practical for upper-middle-class retirees managing comfortable budgets in the suburban city.
About Pembroke Pines: Community Snapshot for Seniors
Pembroke Pines is a city of approximately 172,000 residents in Broward County, an upper-middle-class large suburban city and second-largest city in Broward County. With Memorial Hospital Pembroke AND Memorial Hospital West BOTH LOCAL, Pembroke Lakes Mall, and an 18% senior population, Pembroke Pines offers upper-middle-class suburban retirement living with exceptional dual local hospital access and moderate inland exposure with strong protection advantage.
According to U.S. Census data, about 18% of Pembroke Pines residents are 65 or older, representing solid retirement presence, with MASSIVE numbers (approximately 30,960 retirees) and creating one of Broward County’s largest senior populations by count in the large 172,000-resident suburban city. The median household income of $68,000 and homeownership rate of 72% indicate an upper-middle-class community with high commitment. The economy centers on professional services, retail and commercial (Pembroke Lakes Mall), healthcare (dual hospitals), education (charter schools), and upper-middle-class suburban employment.
Pembroke Pines’s defining characteristic is upper-middle-class large suburban retirement living with 18% seniors representing approximately 30,960 retirees (moderate percentage representing solid retirement presence, one of Broward County’s LARGEST senior populations by count given large 172,000 population!), a $68,000 upper-middle-class comfortable median income, high homeownership (72%) showing strong suburban stability, Memorial Hospital Pembroke AND Memorial Hospital West BOTH LOCAL in Pembroke Pines providing EXCEPTIONAL dual local hospital access (THE most critical advantage!), Pembroke Lakes Mall major shopping destination, excellent charter schools system, Pembroke Pines City Center civic and cultural center, second-largest city in Broward County, Miami proximity (18 miles), Southwest Broward County I-75 corridor location, high homeownership creating strong stability, well inland location (12+ miles from Atlantic coast), well inland location creating MODERATE INLAND HURRICANE EXPOSURE with STRONG PROTECTION ADVANTAGE from catastrophic direct coastal storm surge and total beachfront destruction (Hurricane Irma/Wilma moderate to significant to severe impacts BUT significantly less than catastrophic coastal total devastation requiring awareness of moderate vulnerability WITH strong inland protection advantage), and upper-middle-class costs making suburban living accessible for upper-middle-class comfortable budgets. The EXCEPTIONAL dual local hospital access and high homeownership create THE premier suburban retirement option with strong inland protection advantage.
The cost of living is upper-middle-class for a large suburban city. Home prices range from $270,000-$500,000 for standard upper-middle-class suburban homes, comfortable for upper-middle-class budgets in the suburban city. The 72% homeownership rate indicates high community stability for a suburban city with over seven in ten owning homes showing strong commitment. For upper-middle-class retirees on comfortable budgets, Pembroke Pines provides affordable suburban living with exceptional dual local hospital access at upper-middle-class cost.
The moderate senior population (18%) represents solid retirement presence and massive numbers by count. With nearly one in five residents 65 or older, that’s approximately 30,960 upper-middle-class retirees, creating one of Broward County’s LARGEST senior populations by count given the large 172,000 total population, indicating strong retirement appeal for affordable suburban living.
The upper-middle-class median household income ($68,000) reflects a comfortable community with substantial retirement resources and an upper-middle-class living standard for a large suburban city.
The high homeownership rate (72%) demonstrates strong stability and commitment to suburban living, with over seven in ten owning homes showing strong commitment to the upper-middle-class large suburban city.
The EXCEPTIONAL dual local hospital access creates THE MOST CRITICAL healthcare advantage for the large suburban city:
Memorial Hospital Pembroke (Pembroke Pines, LOCAL) provides emergency care, surgical services, and comprehensive hospital services
Memorial Hospital West (Pembroke Pines, LOCAL) provides emergency care, surgical services, and comprehensive hospital services
Memorial Regional Hospital (Hollywood, 10 miles – major regional hospital!) provides emergency care, surgical services, comprehensive hospital services, full range of medical care, and major regional hospital services
Having Memorial Hospital Pembroke AND Memorial Hospital West BOTH locally in Pembroke Pines provides EXCEPTIONAL dual local hospital access for the upper-middle-class large suburban retirement community with approximately 30,960 seniors, THE most critical healthcare advantage with two hospitals both in the city, plus Memorial Regional major regional within short distance.
Pembroke Lakes Mall creates a major shopping character. Pembroke Lakes Mall provides a major shopping destination, extensive retailers and stores, dining and entertainment, regional shopping center, and Pembroke Lakes Mall creating comprehensive shopping amenities.
Excellent charter schools create an education character. Pembroke Pines’s excellent charter schools system (one of the nation’s top-rated charter systems) provides exceptional education, nationally recognized schools, education excellence, family-oriented character, and charter schools creating a reputation for education quality attracting families and creating strong community character.
Pembroke Pines City Center creates civic and cultural character. Pembroke Pines City Center provides civic center and government offices, cultural programming, community events, performing arts theater, and City Center creating civic and cultural amenity character.
The second-largest city in Broward County creates a major city character. Pembroke Pines as Broward County’s second-largest city (after Fort Lauderdale) provides major city status, significant population, comprehensive services, major suburban city character, and second-largest city creating important regional presence.
Miami proximity creates a metro access character. Pembroke Pines’s 18-mile proximity to downtown Miami provides Miami metro access, employment opportunities, urban amenities proximity, and Miami proximity creating convenient metro access while maintaining suburban character.
Southwest Broward County I-75 corridor creates location character. Pembroke Pines’s Southwest Broward County I-75 corridor location provides strategic southwestern positioning, I-75 accessibility, southwestern county location, and I-75 corridor creating convenient regional access.
The high homeownership creates strong stability. A 72% homeownership rate shows strong suburban commitment, high stability, and strong homeowner presence creating strong stability in the upper-middle-class large suburban city.
Well inland location creates MODERATE INLAND EXPOSURE with STRONG PROTECTION ADVANTAGE. Located WELL inland (12+ miles from Atlantic coast), Pembroke Pines faces MODERATE INLAND HURRICANE EXPOSURE including wind damage and flooding from rainfall BUT with STRONG PROTECTION ADVANTAGE from catastrophic direct coastal storm surge and total beachfront destruction that has devastated direct Atlantic coastal communities.
The hurricane Irma, Wilma, Katrina history demonstrates the MODERATE INLAND EXPOSURE with STRONG PROTECTION ADVANTAGE from catastrophic coastal devastation:
Hurricane Irma (2017): Category 1-2 impacts brought MODERATE to SIGNIFICANT damage to Pembroke Pines but SIGNIFICANTLY LESS than catastrophic direct coastal devastation. Moderate to significant wind damage of 70-85 MPH throughout large suburban city affecting properties, some flooding in areas from heavy rainfall but MUCH LESS than coastal areas, property damage throughout city affecting THOUSANDS of properties but mostly repairable damage, tree damage throughout suburban areas, extended power outages lasting days to weeks affecting all 30,960 seniors, difficult recovery on comfortable upper-middle-class budgets with many facing $15,000-$70,000+ repairs BUT NOT TOTAL PROPERTY LOSS, and moderate to substantial costs. Pembroke Pines experienced moderate to significant impacts BUT the WELL INLAND LOCATION (12+ miles from Atlantic coast) provided STRONG PROTECTION from catastrophic coastal storm surge and total beachfront property destruction that devastated direct Atlantic coastal communities. While recovery was difficult on comfortable budgets, it was ACHIEVABLE compared to the IMPOSSIBLE recovery from total property loss experienced by many coastal residents just 12+ miles away. Hurricane Irma demonstrated Pembroke Pines’s STRONG INLAND PROTECTION ADVANTAGE preventing catastrophic coastal total devastation.
Hurricane Wilma (2005): Category 2-3 impacts brought SIGNIFICANT to SEVERE damage to Pembroke Pines including significant to severe wind damage of 85-105 MPH throughout suburban city affecting properties, some flooding, widespread property damage throughout city affecting THOUSANDS of properties, tree damage throughout suburban areas, extended power outages lasting days to weeks, difficult to extremely difficult recovery on comfortable budgets with many facing $20,000-$95,000+ repairs, and substantial to devastating costs. The WELL INLAND LOCATION provided important protection from catastrophic coastal impacts preventing total property loss that occurred in coastal areas.
Hurricane Katrina (2005): Just two months before Wilma, Category 1 impacts brought moderate damage including wind damage, flooding, property damage, power outages, and recovery costs. The back-to-back Katrina (August) then Wilma (October) impacts in one year challenged Pembroke Pines residents with repeated damage.
Impact on an Upper-Middle-Class Large Suburban City with MODERATE INLAND HURRICANE EXPOSURE and STRONG PROTECTION ADVANTAGE: Property damage has been moderate to severe with Irma/Wilma causing moderate to severe damage on comfortable budgets, BUT damage was SIGNIFICANTLY LESS than catastrophic coastal total devastation with the WELL INLAND LOCATION preventing total property loss, insurance costs are moderate and SIGNIFICANTLY LOWER than direct coastal properties (important advantage for comfortable budgets), the well inland location creates moderate vulnerability to wind and rainfall flooding BUT with STRONG PROTECTION from catastrophic coastal storm surge and total beachfront destruction, recovery has been difficult BUT ACHIEVABLE with comfortable resources compared to impossible recovery from total loss, and ongoing moderate inland exposure with STRONG PROTECTION ADVANTAGE is an important consideration for retirement planning on comfortable budgets. While Pembroke Pines has experienced moderate to severe hurricane impacts including significant to severe Wilma damage, the WELL INLAND LOCATION (12+ miles from Atlantic coast) has prevented the catastrophic total devastation that has occurred in direct Atlantic coastal communities, demonstrating the significant value of the STRONG INLAND PROTECTION ADVANTAGE for comfortable budget retirement planning.
The upper-middle-class large suburban city character attracts upper-middle-class retirees seeking affordable suburban living with awareness of moderate inland hurricane exposure BUT recognition of STRONG PROTECTION ADVANTAGE from catastrophic coastal devastation, EXCEPTIONAL dual local hospital access (Memorial Hospital Pembroke, Memorial Hospital West – both locally, THE most critical advantage!), one of Broward County’s LARGEST retirement communities by count (30,960 seniors!), Pembroke Lakes Mall major shopping, excellent charter schools system, Pembroke Pines City Center, second-largest city in Broward County, Miami proximity, high homeownership (72%), and ability to afford suburban retirement on comfortable upper-middle-class budgets while understanding moderate inland hurricane vulnerability WITH strong inland protection advantage from worst coastal total devastation.
The Broward County location provides THE second-largest city and premier suburban option making suburban living accessible for upper-middle-class budgets with exceptional dual local hospital access and moderate inland exposure with strong protection advantage from catastrophic coastal devastation.
Healthcare access reflects Pembroke Pines’s EXCEPTIONAL dual local advantage. Memorial Hospital Pembroke (LOCAL), Memorial Hospital West (LOCAL), and Memorial Regional Hospital (10 miles – major regional hospital!) provide EXCEPTIONAL dual local hospital access for the upper-middle-class large suburban retirement community with approximately 30,960 seniors, THE most critical healthcare advantage with two hospitals both in the city.
Retirees are drawn to Pembroke Pines for upper-middle-class large suburban retirement living, 18% seniors representing approximately 30,960 retirees creating one of Broward County’s LARGEST retirement communities by count (moderate percentage, massive numbers given 172,000 population!), a $68,000 upper-middle-class comfortable median income, high homeownership (72%) showing strong suburban stability, Memorial Hospital Pembroke AND Memorial Hospital West BOTH LOCAL in Pembroke Pines providing EXCEPTIONAL dual local hospital access (THE most critical advantage!), Pembroke Lakes Mall major shopping destination, excellent charter schools system (nationally recognized), Pembroke Pines City Center civic and cultural center, second-largest city in Broward County, Miami proximity (18 miles), Southwest Broward County I-75 corridor location, well inland location (12+ miles from Atlantic coast) creating MODERATE INLAND HURRICANE EXPOSURE with STRONG PROTECTION ADVANTAGE from catastrophic direct coastal storm surge and total beachfront destruction (Hurricane Irma/Wilma moderate to significant to severe impacts BUT significantly less than catastrophic coastal total devastation requiring awareness WITH strong inland protection advantage), and upper-middle-class costs making suburban living accessible for upper-middle-class comfortable budgets.
For upper-middle-class retirees seeking affordable suburban retirement with EXCEPTIONAL dual local hospital access (Memorial Hospital Pembroke, Memorial Hospital West – both locally, THE most critical advantage with two hospitals in the city!), one of Broward County’s LARGEST retirement communities by count (30,960 seniors!), Pembroke Lakes Mall major shopping, excellent charter schools system (nationally recognized), Pembroke Pines City Center, second-largest city in Broward County, Miami proximity, high homeownership (72%), upper-middle-class income ($68,000), and upper-middle-class costs making suburban living accessible on comfortable budgets while understanding moderate inland hurricane exposure WITH STRONG PROTECTION ADVANTAGE from catastrophic direct coastal storm surge and total beachfront destruction (moderate to significant to severe impacts BUT significantly less than coastal total devastation), Pembroke Pines provides excellent affordable suburban retirement value with THE most critical EXCEPTIONAL dual local hospital advantage and strong inland protection advantage from worst coastal devastation.
Healthcare Access in Pembroke Pines, Florida
Pembroke Pines residents benefit from EXCEPTIONAL dual local hospital access:
Local Hospitals (Both in Pembroke Pines!):
- Memorial Hospital Pembroke, Pembroke Pines (LOCAL), providing emergency care, surgical services, and comprehensive hospital services
- Memorial Hospital West, Pembroke Pines (LOCAL), providing emergency care, surgical services, and comprehensive hospital services
Nearby Hospitals (10 miles):
- Memorial Regional Hospital, Hollywood (10 miles – major regional hospital!), providing emergency care, surgical services, comprehensive hospital services, full range of medical care, and major regional hospital services
EXCEPTIONAL Healthcare Access:
Pembroke Pines residents benefit from EXCEPTIONAL healthcare access for an upper-middle-class large suburban city. Memorial Hospital Pembroke AND Memorial Hospital West BOTH locally in Pembroke Pines provide EXCEPTIONAL dual local hospital access, critically important for the 18% senior population (approximately 30,960 retirees), with Pembroke Pines having THE most critical healthcare advantage with two hospitals both in the city, plus Memorial Regional major regional within short distance.
Having comprehensive Medicare Supplement coverage is important for Pembroke Pines residents because even with exceptional dual local hospital access, one hospitalization could cost $5,000-$15,000+ without Medigap, manageable but still a concern on a $68,000 upper-middle-class comfortable income focused on asset protection. For upper-middle-class retirees on comfortable fixed incomes, protecting substantial assets is important.
Pharmacies:
- Multiple CVS Pharmacy, Walgreens, Publix Pharmacy, and numerous other pharmacy locations throughout Pembroke Pines
Medicare-Accepting Doctors Serving Pembroke Pines Residents
Primary Care: Extensive physicians throughout Pembroke Pines serving the 18% senior population (approximately 30,960 retirees), plus Memorial Hospital Pembroke, Memorial Hospital West, and other hospital practices and Broward County Health Department preventive services.
Specialists: Comprehensive specialists throughout Pembroke Pines serving the upper-middle-class large suburban retirement community.
Hospital Services: Memorial Hospital Pembroke (LOCAL), Memorial Hospital West (LOCAL) for most needs, with Memorial Regional major regional (10 miles) available for comprehensive needs.
Always verify Medicare acceptance.
Driving Distances to Key Facilities
Facility | Location | Distance | Drive Time |
Memorial Hospital Pembroke | Pembroke Pines | Local | 5-15 minutes |
Memorial Hospital West | Pembroke Pines | Local | 5-15 minutes |
Pembroke Lakes Mall | Pembroke Pines | Local | 5-15 minutes |
Pembroke Pines City Center | Pembroke Pines | Local | 5-15 minutes |
Memorial Regional Hospital | Hollywood | 10 miles | 15-20 minutes |
Downtown Miami | Miami | 18 miles | 25-30 minutes |
Note: Times vary based on location within large city and traffic
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
Broward County Resources:
- Broward County Aging Services
- Florida SHINE: 1-800-963-5337
- Broward County Health Department
Healthcare Resources:
- Memorial Hospital Pembroke (LOCAL), (954) 962-9650
- Memorial Hospital West (LOCAL), (954) 436-5000
Community Resources:
- Pembroke Lakes Mall, major shopping destination
- Pembroke Pines City Center, civic and cultural center
- Excellent charter schools system, nationally recognized
- Miami proximity, metro access
- Community parks throughout large suburban city
- I-75 corridor access, regional connectivity
- Senior programs serving approximately 30,960 retirees
- Suburban activities
- Hurricane preparedness resources (important for moderate inland vulnerability with strong protection advantage)
Additional Support:
- Florida Department of Elder Affairs, elderaffairs.org
- Medicare.gov, official Medicare information
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 Pembroke Pines, FL Residents
We specialize in helping Broward County upper-middle-class large suburban city residents:
✓ Free Plan Comparisons (ZIP 33023-33029, 33082, 33084, 33331)
✓ Value Focus for upper-middle-class suburban retirees on comfortable fixed incomes
✓ No-Pressure Guidance
✓ Year-Round Support
✓ Understanding of upper-middle-class large suburban city and moderate inland exposure with strong protection advantage
✓ Recognition of one of Broward County’s LARGEST retirement communities by count (30,960+ seniors!)
Common Medicare Questions from Pembroke Pines Residents
“Do I need a Medigap plan if we have TWO hospitals right here?”
Yes, important protection. Even with exceptional dual local hospital access (Memorial Hospital Pembroke, Memorial Hospital West – both locally!), one hospitalization costs $5,000-$15,000+ without Medigap, manageable but still a concern on a $68,000 upper-middle-class comfortable income focused on asset protection. For upper-middle-class retirees on comfortable fixed incomes, comprehensive coverage is important to protect substantial assets.
“Which plan provides good value for suburban living?”
Plan N typically offers excellent value for Pembroke Pines residents, saving $420-600 annually versus Plan G. With upper-middle-class comfortable income, Plan N provides comprehensive protection while managing overall budgets effectively for suburban retirees.
“Can I use my Medigap plan at all the local hospitals?”
Absolutely! Medicare Supplement plans work with any doctor or hospital accepting Original Medicare, Memorial Hospital Pembroke, Memorial Hospital West, Memorial Regional Hospital, or anywhere you travel including the entire United States.
“When should I enroll?”
During your Medigap Open Enrollment Period (6 months starting when you’re 65+ and enrolled in Medicare Part B).
Other Cities and Towns In Broward County
Fort Lauderdale, Hollywood, Miramar, Coral Springs, Pompano Beach, Davie, Plantation, Sunrise, Deerfield Beach, Lauderhill, Tamarac, Weston, Margate, Coconut Creek, North Lauderdale, Oakland Park, Hallandale Beach, Parkland, Lauderdale Lakes, Cooper City, Dania Beach, West Park, Wilton Manors, Lighthouse Point, Southwest Ranches, Broadview Park, Pembroke Park, Lauderdale-by-the-Sea, Roosevelt Gardens, Franklin Park, Hillsboro Beach, Boulevard Gardens, Washington Park, Sea Ranch Lakes, Hillsboro Pines, Lazy Lake
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
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.
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We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.
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