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

Sunset dining Islamorada Florida, sophisticated island lifestyle and fine diningFinding the Right Medigap Coverage for Your Islamorada Retirement

Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Islamorada 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

 

Islamorada Senior Demographics & Lifestyle

According to U.S. Census data, Islamorada has an Upper Keys village:

  • Population: Approximately 6,100
  • Residents 65+: About 21%
  • Median age: 50 years
  • Median household income: $68,000
  • Home ownership rate: 74%
  • Affordability: Very expensive; premium Upper Keys living costs

Many Islamorada retirees enjoy:

  • “Sport Fishing Capital of the World”: Legendary fishing, international tournaments
  • Upper Keys Premium Location: Sophisticated island lifestyle
  • Multiple Island Villages: Unique character across Tea Table Key, Lower Matecumbe, Upper Matecumbe, Windley Key
  • Spectacular Natural Beauty: Turquoise waters, pristine beaches, tropical paradise
  • Year-Round Tropical Climate: Perfect weather, endless summer
  • World-Class Fishing: Tarpon, bonefish, permit, offshore species
  • Diving & Snorkeling: Exceptional coral reefs, clear waters
  • High Homeownership: Stable affluent community, most residents own homes
  • Upscale Character: Fine dining, luxury resorts, sophisticated atmosphere
  • Marine Lifestyle: Boating, fishing, diving define daily lifeNearby Hospital: Mariners Hospital in Tavernier (20 minutes)
  • Art Galleries & Culture: Vibrant arts scene, galleries, cultural events
  • Historic Sites: Indian Key Historic State Park, Lignumvitae Key
  • Theater of the Sea: Marine mammal park
  • Strategic Upper Keys Position: 80 miles to Miami, excellent mainland access
  • Sunset Views: Spectacular daily sunsets over Florida Bay

Islamorada attracts affluent sophisticated retirees seeking premium tropical island living with world-class fishing and upscale character. The combination of legendary sportfishing, sophisticated dining and culture, high homeownership, nearby hospital access, reasonable Miami proximity, and authentic Upper Keys character makes it ideal for retirees with substantial resources who prioritize fishing lifestyle, cultural richness, and island living with refined atmosphere.

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
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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 Islamorada?

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

Islamorada-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 Islamorada Residents Need Medicare Supplement Coverage

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

No Local Hospital: Islamorada itself has NO hospital. Nearby Tavernier (20 minutes) has Mariners Hospital providing emergency care, basic surgical services, and hospital care. However, comprehensive tertiary care requires driving to Miami (80 miles, 90-100 minutes). The island position creates healthcare logistics challenges.

High Cost of Living Reality: With median household income of $68,000, highest among Keys communities, necessary for Islamorada’s upscale costs, residents face premium island expenses. Medical transport to Miami can be expensive. One complex hospitalization requiring Miami transfer could cost $5,000-$15,000+ without Medigap, significant even for affluent retirees. For those who’ve invested in Islamorada’s premium island living, protecting against catastrophic medical costs is essential.

Distance to Tertiary Care: While Mariners Hospital (20 minutes in Tavernier) handles routine care and emergencies, complex cardiac procedures, advanced cancer treatment, neurosurgery, and tertiary specialties require Miami (80 miles, 90-100 minutes driving). The Overseas Highway is the only road connection. Emergency situations requiring tertiary care mean substantial drives. Comprehensive Medigap coverage ensures financial barriers don’t prevent accessing necessary specialized care.

Upper Keys Healthcare Advantage: Islamorada’s position provides advantage – Mariners Hospital reasonably nearby (20 minutes) for routine care while Miami is 80 miles away (versus 160 from Key West). This makes mainland tertiary care more accessible than Lower Keys. However, comprehensive coverage remains essential for protecting against costs.

Plan G or Plan N: The Choice for Islamorada: For Islamorada’s affluent 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 Miami transfers. Many Islamorada residents choose Plan G for complete peace of mind given their financial position. 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 Islamorada’s highest Keys income levels and sophisticated community, Plan G is popular for complete coverage. However, Plan N provides excellent value. We’ll help you decide which fits your situation.

About Islamorada: Community Snapshot for Seniors

Islamorada is an incorporated village of approximately 6,100 residents spanning multiple islands in the Upper Keys of Monroe County. Located 80 miles south of Miami via the Overseas Highway, Islamorada offers the most upscale and sophisticated tropical island living in the Florida Keys with world-class sportfishing.

According to U.S. Census data, about 21% of Islamorada residents are 65 or older, with median household income of $68,000 (highest among Keys communities) and homeownership rate of 74% (highest in Keys). The demographic reflects affluent retirees, successful business owners, anglers, artists, hospitality professionals, and people seeking premium Upper Keys Island lifestyle. The economy centers on upscale tourism, world-class sportfishing, luxury hospitality, fine dining, galleries, marine services, and affluent residential living, creating sophisticated island economy.

Sport fishing Islamorada Florida, Sport Fishing Capital of the World and tarpon capital

Islamorada, known as the “Sportfishing Capital of the World,” is an incorporated village in the Florida Keys, famous for its coral reefs and laid-back resort vibe. With a median age of 47 and 62% homeownership in Monroe County, seniors (18.7% of residents) enjoy a coastal lifestyle (average home value $720,000). The Monroe County Senior Services offers art classes, fitness programs, and health workshops, engaging Islamorada’s 65+ community. Annual events like the Islamorada Seafood Festival draw retirees for fresh seafood, music, and local crafts. Bike-friendly paths along the Florida Keys Overseas Heritage Trail provide flat, scenic routes for seniors using e-bikes, ideal for staying active. While Islamorada has local shops, some seniors travel to Tavernier (5 miles) for healthcare, making Medigap coverage critical for access.

The spectacular natural beauty provides a premium tropical setting. Turquoise Atlantic Ocean waters (east), emerald Florida Bay (west), pristine beaches, and tropical ecosystem create exceptional beauty. The coral reefs provide world-class diving and snorkeling. The natural beauty equals or exceeds any Keys location.

The upscale character distinguishes it from other Keys communities. Fine dining restaurants (Marker 88, Morada Bay, Cheeca Lodge), luxury resorts (Cheeca Lodge & Spa, Moorings Village), sophisticated galleries, and refined atmosphere create upscale Keys lifestyle. While maintaining authentic Keys character, Islamorada adds sophistication absent from more casual Keys communities. This appeals to affluent retirees seeking both island authenticity and refinement.

The world-class fishing defines lifestyle. Tarpon fishing in spring (legendary “Silver King” migration), bonefish on flats, permit fishing, offshore big game fishing – Islamorada offers every type of sportfishing at highest levels. Professional guides, top-tier tackle shops, and fishing-focused culture support serious anglers. Many residents fish daily as primary lifestyle focus.

The marine lifestyle pervades everything. Boating, fishing, diving, snorkeling, and water activities define daily existence. The boat-centric culture means many residents prioritize boat access. Marinas and marine services dominate the waterfront. The maritime identity creates community cohesion.

The high homeownership rate (74%, highest in Keys) indicates exceptional stability. Many residents are longtime successful Keys dwellers with deep community roots. The affluence and stability create established sophisticated communities appealing to retirees seeking permanence.

The art galleries and culture add sophistication. Numerous galleries showcase local and international artists. Cultural events, wine tastings, and refined entertainment complement fishing focus. This cultural layer distinguishes Islamorada from purely recreation-focused Keys communities.

The historic sites provide character. Indian Key Historic State Park (abandoned 19th-century town accessible only by boat), Lignumvitae Key Botanical State Park (virgin tropical hammock), and other sites preserve history. The Theater of the Sea (marine mammal park) provides family-friendly attractions.

The strategic Upper Keys position balances island isolation with mainland access. Miami is 80 miles (90-100 minutes), providing reasonable access to tertiary healthcare, major shopping, and urban resources while maintaining an authentic island lifestyle. Key West is 75 miles south. The position provides access to the entire Keys chain while maintaining sophisticated character.

Healthcare access reflects Upper Keys advantages. Mariners Hospital in Tavernier (20 minutes) provides emergency care, basic surgical services, and routine hospital care. For complex tertiary care, residents drive to Miami (80 miles, 90-100 minutes). The Miami medical centers provide world-class tertiary care. Having nearby hospital for routine needs while maintaining reasonable Miami access creates good Keys healthcare access. Having comprehensive Medigap coverage is essential to protect against costs for Mariners Hospital care and especially for Miami transfers when needed.

The relationship with Miami is manageable. Miami provides tertiary medical care, major shopping (many Islamorada residents shop in Miami regularly), urban resources, and mainland connection. Islamorada offers sophisticated tropical island paradise and world-class fishing lifestyle. The 90-100 minute drive makes Miami accessible for regular trips while maintaining island character.

The Overseas Highway connection provides a lifeline and scenic journey. The route through the Upper Keys showcases spectacular ocean views. Traffic can be heavy, especially weekends and seasons. Hurricane evacuations use this single route.

The natural surroundings define everything. Coral reefs, turquoise waters, tropical ecosystem, and exceptional natural beauty create constant connection to tropical paradise. Daily fishing, spectacular sunsets, and natural beauty aren’t vacation, they’re sophisticated daily life.

The cost of living extends to all expenses. Fine dining, luxury entertainment, premium insurance, utilities, all cost top dollar. Hurricane insurance is extremely expensive. Affluent retirees accept premium costs as price of sophisticated island paradise.

The safety and security are excellent. Crime rates are low for affluent communities. Hurricane preparation is essential, but the community manages well. The sophisticated community provides security through affluence and stability.

The seasonal character affects life. Winter (December-April) brings peak season, major fishing tournaments, highest prices, and busiest atmosphere. Summer (May-November) is quieter with primarily locals, somewhat lower prices, but hurricane season reality. The seasonal rhythm defines upscale Keys lifestyle.

Retirees are drawn to Islamorada for specific reasons: “Sport Fishing Capital of the World” legendary status, sophisticated upscale island lifestyle with fine dining and culture, highest homeownership rate in Keys indicating exceptional stability, Mariners Hospital nearby (20 min in Tavernier) for routine care, 80 miles to Miami reasonable mainland access, spectacular natural beauty and pristine beaches, world-class diving and snorkeling, year-round perfect tropical climate, multiple island villages creating unique character, refined atmosphere attracting affluent sophisticated retirees, and acceptance of premium costs for pinnacle Keys living with world-class fishing.

For affluent sophisticated retirees with substantial wealth seeking the ultimate Florida Keys experience combining world-class sportfishing with upscale living, those willing to pay premium prices for refined tropical island paradise with legendary fishing lifestyle, Islamorada provides exceptional Upper Keys retirement. This is pinnacle sophisticated Keys living for people who prioritize fishing lifestyle, cultural richness, natural beauty, and refined atmosphere at premium costs.

 

Healthcare Access in Islamorada, Florida

Islamorada residents access healthcare through nearby hospital and Miami facilities:

Nearby Hospital:

  • Mariners Hospital (Tavernier), 91500 Overseas Highway, Tavernier (20 minutes north), hospital providing emergency care, basic surgical services, primary care, diagnostic imaging, laboratory services, routine hospital care

Tertiary Care (Miami, 80 miles, 90-100 minutes):

  • Jackson Memorial Hospital (Miami), 1611 NW 12th Avenue, Miami (80 miles, 90-100 minutes), 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:

Islamorada residents benefit from reasonable healthcare access for Upper Keys. Mariners Hospital in Tavernier (20 minutes) provides emergency care and routine hospital care. For complex tertiary care (advanced cardiac procedures, neurosurgery, complex cancer treatment, transplants), residents drive to Miami (80 miles, 90-100 minutes). The Upper Keys position provides better mainland access than Middle or Lower Keys.

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

  • Complex care requires Miami transfers (80 miles, 90-100 minutes)
  • Island position creates healthcare logistics
  • Without Medigap, one hospitalization with Miami transfer could cost $5,000-$15,000+
  • Keys isolation makes comprehensive coverage essential for peace of mind
  • Premium lifestyle deserves premium healthcare protection


Pharmacies:

  • Walgreens Pharmacy, 99434 Overseas Hwy, Key Largo, FL 33037 (1 mile, 3-minute drive). Fills prescriptions with Medicare Part D support.
  • CVS Pharmacy, Islamorada
  • Walgreens, Islamorada
  • Publix Pharmacy, Islamorada area
  • Local pharmacies, Islamorada

Medicare-Accepting Doctors Serving Islamorada Residents

Primary Care (Islamorada area):

  • Local primary care physicians, available
  • Mariners Hospital (Tavernier, 20 min), clinics

Specialists (Islamorada/Tavernier, limited):

  • Some specialists available locally, limited selection
  • Most routine specialist care available

Tertiary Specialists (Miami, 80 miles, 90-100 minutes when needed):

  • Advanced cardiac surgery, tertiary centers
  • Neurosurgery, tertiary centers
  • Complex oncology, tertiary centers
  • All tertiary specialties, available in Miami

Note: Islamorada has local primary care. Mariners Hospital (20 min in Tavernier) provides emergency and hospital care. Complex tertiary care requires Miami (80 miles, 90-100 minutes). Always verify Medicare acceptance.

 

Driving Distances to Key Facilities

Facility

Location

Distance from Islamorada

Drive Time

Mariners Hospital

Tavernier, FL

16 miles

20 minutes

Jackson Memorial Hospital

Miami, FL

80 miles

90-100 minutes

Baptist Health South Florida

Miami, FL

80 miles

90-100 minutes

The Monroe County Senior Services (3130 Flagler Ave, Key West, 100 miles) 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 Largo’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

Healthcare Resources:

  • Mariners Hospital (Tavernier), (305) 434-3000

Community Resources:

  • Islamorada Library, programs and resources
  • Indian Key Historic State Park, historic site
  • Lignumvitae Key Botanical State Park, virgin tropical hammock
  • Theater of the Sea, marine mammals
  • Art galleries, vibrant arts scene
  • Local fishing charters, world-class sportfishing
  • Fine dining, upscale restaurants
  • Community events, fishing tournaments, cultural celebrations

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 Islamorada.

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 Islamorada, FL Residents

We specialize in helping Monroe County seniors navigate Medicare Supplement options with understanding of Upper Keys sophistication:

Free Plan Comparisons, we’ll show you rates from top-rated carriers available in ZIP code 33036

Upper Keys Healthcare Understanding, we know Islamorada has nearby Mariners Hospital with reasonable Miami access

Personalized Recommendations, your health needs and premium 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 Islamorada’s sophisticated fishing character


We’ve helped many Islamorada and Monroe County residents find Medicare Supplement plans that provide essential protection for premium island living. We work entirely by phone or email to accommodate your needs, always with patience and understanding.

Common Medicare Questions from Islamorada Residents

“Do I need a Medigap plan if we have Mariners Hospital nearby?”

For Islamorada residents, a Medicare Supplement plan is ABSOLUTELY ESSENTIAL, even with Mariners Hospital 20 minutes away in Tavernier. While having a nearby hospital is valuable for routine care and emergencies, complex tertiary care requires Miami (80 miles, 90-100 minutes). Original Medicare leaves you responsible for deductibles, copays, and coinsurance. One complex hospitalization with Miami transfer could cost $5,000-$15,000+ out-of-pocket without Medigap. Your premium island lifestyle deserves premium healthcare protection.


“Which plan should I choose – Plan G or Plan N?”

For Islamorada’s affluent situation, 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. Many Islamorada residents choose Plan G for complete peace of mind given the community’s financial position. 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 Islamorada’s highest Keys income levels, Plan G is popular for complete coverage. However, Plan N provides excellent value. We’ll help you decide which fits your situation.


“Can I use my Medigap plan at Mariners 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 Mariners Hospital (20 minutes in Tavernier), 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 Islamorada where you have nearby hospital access plus Miami tertiary options 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 Islamorada Medicare Supplement Quote Today

You’ve chosen Islamorada for its world-class fishing and sophisticated Upper Keys lifestyle, 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 Islamorada residents find the best Medigap solutions for premium 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 West, Key Largo, Marathon, 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.

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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,
 
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