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Why Medicare Supplements Matter Here in Key Largo: Your Guide to Coverage

John Pennekamp Coral Reef State Park Key Largo Florida, world-class diving and snorkeling

Finding the Right Medigap Coverage for Your Key Largo Retirement

Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Key Largo or turning 65 soon, we help residents across Monroe County find Medigap coverage that fits their health needs and budget. From covering those gaps in Original Medicare to protecting you from unexpected medical bills, the right plan makes all the difference in your peace of mind. Click Here To Compare All Plans

 

Key Largo Senior Demographics & Lifestyle

According to U.S. Census data, Key Largo has an unincorporated island community:

  • Population: Approximately 12,000
  • Residents 65+: About 24%
  • Median age: 51 years
  • Median household income: $64,000
  • Home ownership rate: 72%
  • Affordability: Very expensive; premium Keys living costs

Many Key Largo retirees enjoy:

  • Upper Keys Gateway: First island community on Overseas Highway from mainland
  • John Pennekamp Coral Reef State Park: America’s first underwater state park
  • Diving & Snorkeling Capital: World-class coral reefs, crystal waters
  • Island Paradise: Spectacular tropical beauty, laid-back atmosphere
  • Year-Round Tropical Climate: Perfect weather, endless summer
  • Fishing Paradise: Sport fishing capital, excellent angling
  • Proximity to Miami: 60 miles to Miami, reasonable mainland access
  • Marine Lifestyle: Boating, diving, fishing define daily life
  • High Homeownership: Stable island community, most residents own homes
  • Natural Beauty: Atlantic Ocean, Florida Bay, mangroves
  • Quieter Than Key West: Island living without extreme crowds
  • African Queen: Famous movie boat attraction
  • Strategic Keys Position: Gateway to entire Florida Keys
  • Mariners Hospital: Hospital in nearby Tavernier
  • Island Community Bonds: Neighbors know each other, Keys character

Key Largo attracts affluent nature-oriented retirees seeking premium tropical island living with exceptional diving and reasonable Miami access. The combination of spectacular coral reefs, world-class diving, reasonable proximity to Miami healthcare and mainland, high homeownership, and authentic Upper Keys character makes it ideal for retirees with substantial resources who prioritize marine lifestyle, natural beauty, and island living with better mainland access than Lower Keys.

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 Key Largo?

Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.

 

The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans

 

What to Bring to the Call

Medicare ID (red/white/blue card) • Part B start month/year • Med list (optional) • Must-have doctors/hospitals • Current coverage (if any)

 

What You Get

  • Right-sized Medigap plan (G, N, or fit) for your city and your budget
  • Same-day quotes 
  • Application concierge (clean e-app, first time)
  • Annual rate-check so you don’t overpay

Key Largo-Specific Notes

  • Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.

  • Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.

  • Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.

  • Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.

What’s The Next Step?

If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.

Why Key Largo Residents Need Medicare Supplement Coverage

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

Limited Island Hospital: Key Largo itself has NO hospital. Nearby Tavernier (15 minutes) has Mariners Hospital providing emergency care, basic surgical services, and hospital care. However, comprehensive tertiary care requires driving to Miami (60 miles, 75-90 minutes). The island position creates healthcare logistics challenges.

High Cost of Living Reality: With median household income of $64,000, necessary for Keys 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 Key Largo island living, protecting against catastrophic medical costs is essential.

Distance to Tertiary Care: While Mariners Hospital (15 minutes in Tavernier) handles routine care and emergencies, complex cardiac procedures, advanced cancer treatment, neurosurgery, and tertiary specialties require Miami (60 miles, 75-90 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: Key Largo’s position as first major Keys community provides a significant advantage – Miami is only 60 miles away (versus 160 miles from Key West). This makes mainland tertiary care much more accessible. However, comprehensive coverage remains essential for protecting against costs.

Plan G or Plan N: The Choice for Key Largo: For Key Largo’s 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. Plan N ($100-140/month typically) saves $35-50 monthly ($420-600 annually) but requires small copays ($20 office visits, $50 ER visits waived if admitted). Given Key Largo’s high costs but better Miami access than Lower Keys, Plan N is popular for its value while Plan G provides complete peace of mind. We’ll help you decide which fits your situation.

About Key Largo: Community Snapshot for Seniors

Key Largo is an unincorporated island community of approximately 12,000 residents on the northernmost major island of the Florida Keys in Monroe County. Located 60 miles south of Miami via the Overseas Highway, Key Largo offers premium tropical island living with world-class diving and reasonable mainland access.

According to U.S. Census data, about 24% of Key Largo residents are 65 or older, with median household income of $64,000 and homeownership rate of 72%. The demographic reflects affluent retirees, divers, boaters, fishing enthusiasts, hospitality workers, and people seeking Upper Keys island lifestyle. The economy centers on tourism, diving operations, fishing, hospitality, marine services, and residential living, creating island economy focused on marine activities.

Key Largo’s defining reality is premium tropical island living with world-class diving at very high costs with reasonable Miami access. This is authentic Florida Keys lifestyle with better mainland proximity than Lower Keys, making it practical choice for those seeking island living without extreme isolation.

Key Largo, known as the “Diving Capital of the World,” is an unincorporated community in the Upper Keys, famous for John Pennekamp Coral Reef State Park and its laid-back vibe. With a median age of 46 and 62% homeownership in Monroe County, seniors (18.7% of residents) enjoy a coastal lifestyle (average home value $650,000). The Monroe County Senior Services offers fitness classes, social clubs, and health workshops, engaging Key Largo’s 65+ community. Annual events like the Key Largo Boat Parade draw retirees for festive lights, music, and local culture. Bike-friendly paths along the Florida Keys Overseas Heritage Trail provide flat, scenic routes for seniors using e-bikes, ideal for staying active. While Key Largo has local shops, some seniors travel to Homestead (30 miles) for specialty care, making Medigap coverage critical for healthcare access.

 

The cost of living is very expensive, among Florida’s highest. Home prices typically range from $400,000-$900,000 for modest properties, with premium waterfront properties reaching $1,000,000-$5,000,000+. The 72% homeownership rate (higher than Key West) indicates a stable community with many longtime residents. Groceries cost significantly more than mainland due to Key’s location. Insurance is extremely expensive. Everything costs premium prices. For retirees with substantial assets, Key Largo makes sense. For those on limited fixed incomes, Key Largo is financially impossible. This is premium-priced Keys retirement.

 

The Upper Keys gateway position creates strategic advantage. As the first major Keys community on the Overseas Highway from mainland, Key Largo provides “best of both worlds” – island living with reasonable mainland access. Miami is only 60 miles (versus 160 from Key West), making shopping, healthcare, and urban resources more accessible. Yet Key Largo maintains authentic Keys character.

 

The John Pennekamp Coral Reef State Park defines primary appeal. America’s first underwater state park protects a spectacular coral reef ecosystem. The 70 nautical square mile park provides world-class diving, snorkeling, glass-bottom boat tours, and marine experiences. For divers and snorkelers, this is paradise. The reef access creates primary lifestyle focus.

 

The diving and snorkeling capital status attracts marine enthusiasts worldwide. The living coral reef ecosystem, clear tropical waters, diverse marine life, and numerous dive operators make Key Largo a legendary diving destination. Many residents dive regularly, not just vacation activity but lifestyle.

The island paradise setting provides spectacular natural beauty. Surrounded by the Atlantic Ocean (east) and Florida Bay (west), Key Largo offers constant tropical beauty. Mangroves, tropical waters, and marine ecosystems create Caribbean character. The tropical climate enables year-round outdoor living.

 

The fishing paradise creates a major appeal. Sport fishing for sailfish, marlin, tuna, mahi-mahi, and numerous species attracts anglers worldwide. Many residents fish regularly, from flats fishing to offshore big game fishing. The fishing culture pervades the community.

 

The marine lifestyle defines everything. Boating, diving, snorkeling, fishing, and water activities aren’t occasional, they’re daily life. Many residents own boats. The maritime culture creates shared identity. Boat access is often more important than car access.

 

The high homeownership rate (72%) indicates a stable community. Many residents are longtime Keys dwellers, not transients. The community bonds through shared island lifestyle and marine activities.

 

The quieter character distinguishes Key West. While still touristy (especially John Pennekamp), Key Largo maintains more residential character than Key West’s entertainment focus. For those seeking island living without extreme crowds and nightlife intensity, Key Largo provides better balance.

 

The strategic Keys position provides advantages. Being a gateway to Keys means access to the entire island chain – Marathon, Islamorada, and Key West all accessible via Overseas Highway. Yet mainland Miami is closest from Key Largo.

 

Healthcare access reflects Upper Keys reality. Key Largo itself has NO hospital, but Mariners Hospital in nearby Tavernier (15 minutes) provides emergency care, basic surgical services, and routine hospital care. For complex tertiary care, residents drive to Miami (60 miles, 75-90 minutes). The Miami medical centers provide world-class tertiary care. Having comprehensive Medigap coverage is essential to protect against costs for routine care at Mariners Hospital and especially for Miami transfers when needed.

 

The relationship with Miami is manageable. Miami provides tertiary medical care, major shopping, urban resources, and mainland connection. Key Largo offers tropical island paradise and a diving lifestyle. The 75-90 minute drive makes Miami much more accessible than from Key West, allowing reasonable access while maintaining island character.

 

The Overseas Highway connection provides a lifeline. The scenic route through Keys is only road connection. Traffic can be heavy, especially weekends and seasons. Hurricane evacuations use this single route.

 

The natural surroundings define everything. Coral reefs, tropical waters, mangroves, marine sanctuary, and Keys ecosystem create constant connection to tropical nature. Daily diving, spectacular sunsets, and tropical beauty aren’t vacation, they’re life.

 

The cost of living extends to all expenses. Dining, entertainment, insurance, utilities, all cost premium prices. Hurricane insurance is extremely expensive. Many retirees accept high costs as the price of an island paradise with a diving lifestyle.

 

The safety and security are generally good. Crime rates are reasonable. Hurricane preparation is an essential life skill. The island community manages through tropical storms together.

 

The seasonal character affects life. Winter (December-April) brings peak tourism, higher prices, and busier atmosphere. Summer (May-November) is quieter with more locals, lower prices, but hurricane season reality. The seasonal rhythm defines Key’s lifestyle.

 

Retirees are drawn to Key Largo for specific reasons: world-class diving and snorkeling at John Pennekamp Coral Reef State Park, tropical island paradise with spectacular natural beauty, only 60 miles to Miami reasonable mainland access, Mariners Hospital nearby (15 min in Tavernier) for routine care, year-round perfect tropical climate, exceptional sport fishing, marine lifestyle with boating culture, high homeownership stable community, quieter than Key West but authentic Keys character, gateway position to entire Florida Keys, and acceptance of premium costs for tropical island living with better mainland access than Lower Keys.

 

For affluent marine-oriented retirees with substantial resources seeking tropical island paradise with world-class diving and reasonable Miami access, those willing to pay premium prices and accept island lifestyle in exchange for spectacular diving and Keys character, Key Largo provides exceptional Upper Keys retirement. This is a premium tropical paradise for people who prioritize diving lifestyle, natural beauty, and island living with practical mainland access.

 

 

Healthcare Access in Key Largo, Florida

Key Largo residents access healthcare through nearby hospital and Miami facilities:

Nearby Hospital:

  • Mariners Hospital (Tavernier), 91500 Overseas Highway, Tavernier (15 minutes south), hospital providing emergency care, basic surgical services, primary care, diagnostic imaging, laboratory services, routine hospital care

Tertiary Care (Miami, 60 miles, 75-90 minutes):

  • Jackson Memorial Hospital (Miami), 1611 NW 12th Avenue, Miami (60 miles, 75-90 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:

Key Largo residents benefit from reasonable healthcare access for Upper Keys. Mariners Hospital in nearby Tavernier (15 minutes) provides emergency care and routine hospital care. For complex tertiary care (advanced cardiac procedures, neurosurgery, complex cancer treatment, transplants), residents drive to Miami (60 miles, 75-90 minutes). The Upper Keys position provides much better mainland access than Lower Keys (Key West is 160 miles from Miami).

 

Having comprehensive Medicare Supplement coverage is ESSENTIAL for Key Largo residents because:

  • Complex care requires Miami transfers (60 miles, 75-90 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

 

Pharmacies:

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

 

Medicare-Accepting Doctors Serving Key Largo Residents

Primary Care (Key Largo area):

  • Local primary care physicians, available
  • Mariners Hospital (Tavernier, 15 min), clinics

Specialists (Key Largo/Tavernier, limited):

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

Tertiary Specialists (Miami, 60 miles, 75-90 minutes when needed):

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

Note: Key Largo has local primary care. Mariners Hospital (15 min in Tavernier) provides emergency and hospital care. Complex tertiary care requires Miami (60 miles, 75-90 minutes). Always verify Medicare acceptance.

 

 

Driving Distances to Key Facilities

Facility

Location

Distance from Key Largo

Drive Time

Mariners Hospital

Tavernier, FL

12 miles

15 minutes

Jackson Memorial Hospital

Miami, FL

60 miles

75-90 minutes

Baptist Health South Florida

Miami, FL

60 miles

75-90 minutes

 

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:

  • John Pennekamp Coral Reef State Park, world-class diving and snorkeling
  • African Queen, famous movie boat
  • Harry Harris Park, beach and recreation
  • Florida Keys Wild Bird Rehabilitation Center, wildlife care
  • Local galleries and shops, Keys character
  • Community events, seasonal island 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 Key Largo.

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 Key Largo, FL Residents

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

Free Plan Comparisons, we’ll show you rates from top-rated carriers available in ZIP code 33037

Upper Keys Healthcare Understanding, we know Key Largo has nearby Mariners Hospital but Miami access required for tertiary care

Personalized Recommendations, your health needs and island situation matter; we find plans that work

Application Assistance, we handle all paperwork completely free

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

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

Plain Talk, simple, clear language

Florida Keys Appreciation, understanding of Key Largo’s diving character and Upper Keys advantages

 

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

Common Medicare Questions from Key Largo Residents

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

For Key Largo residents, a Medicare Supplement plan is ABSOLUTELY ESSENTIAL, even with Mariners Hospital 15 minutes away in Tavernier. While having a nearby hospital is valuable for routine care and emergencies, complex tertiary care requires Miami (60 miles, 75-90 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. The Upper Keys position and distance to tertiary care make comprehensive Medigap coverage essential for island residents.

 

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

For Key Largo, 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. Plan N ($100-140/month typically) saves $35-50 monthly ($420-600 annually) but requires small copays ($20 office visits, $50 ER visits waived if admitted). Given Key Largo’s high cost of living but better Miami access than Lower Keys (60 miles versus 160 from Key West), Plan N is popular for its value. However, Plan G provides complete peace of mind. We’ll help you analyze your situation and decide which fits your needs and budget.

 

“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 (15 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 the Keys where you have nearby hospital plus Miami tertiary access when needed.

 

“When is the best time to enroll in a Medigap plan?”

The ideal time is during your Medigap Open Enrollment Period, the 6-month window starting when you’re 65 or older and enrolled in Medicare Part B. During this guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions. Don’t wait, enroll as soon as you’re eligible.

 

Get Your Free Key Largo Medicare Supplement Quote Today

You’ve chosen Key Largo for its spectacular diving and 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 Key Largo residents find the best Medigap solutions for island living.

Find Your Plan Today

Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services

Main Cities and Towns In Monroe County

Key West, Marathon, Islamorada, Stock Island, Big Pine Key, Big Coppitt Key, Cudjoe Key, Tavernier, North Key Largo, Duck Key, Key Colony Beach, Layton

Disclaimer:

MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and are subject to underwriting and change.

We do not market Advantage plans. Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. Availability varies by area. Services available where licensed.

We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.

MedicareSupplementOnly.com is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.

 No tax or legal advice is provided. Consult your tax advisor or attorney regarding your specific situation. Email and text communications may not be fully secure; please avoid sending sensitive personal information unless requested through a secure channel. All trademarks and logos are the property of their respective owners.

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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