Searching for The Best Medicare Supplement Plans Available In Pasco County, Florida?
We’ll guide you through the process to avoid some common mistakes when choosing your Medigap Plan
Choose From The Best Medicare Supplement Plans in Florida: Your Guide to Coverage
Are you a Florida senior searching for the best Medicare Supplement plans to fit your lifestyle? With 67 counties from the Panhandle to the Keys, finding Medicare Supplement insurance that works for you can feel like navigating a maze. But don’t worry! With nearly 30 years helping folks like you, I’m here to clear up the confusion, answer your top Medicare questions, and guide you to the right Medigap plan. Whether you’re soaking up the sun in Miami or enjoying the quiet life in Ocala, this guide covers Florida’s unique healthcare landscape, challenges finding Medicare-accepting doctors, and how I can help you get covered in 2025. Click Here To Compare All Plans
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
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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
Which Plans Can You Choose?
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
Florida-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.
People Love Our Plans
Loretta - Hollywood, FL
“Working with this Chuck was a breath of fresh air. Every step of the process was explained clearly, and I never felt pressured to choose a plan that wasn’t right for me. I really appreciated the honest advice and felt like my best interests were the top priority.”
Gary - Cape Coral, FL
“I had so many questions about Medicare, but my agent took the time to answer each one in detail. Everything was explained in a way that was easy to understand, and I always knew exactly what to expect. It’s rare to find this level of transparency these days!”
Lisa - Lake Worth, FL
“Whenever I had a question or concern, Chuck responded quickly and always provided straightforward answers. He made sure I understood everything and never rushed me. So grateful for his integrity and support!”
Top Medicare Supplement Plans in Pasco County: Your Guide to Coverage
Welcome to your trusted guide for finding the perfect Medicare Supplement plan in Pasco County, Florida. Whether you’re turning 65 or already navigating Medicare, I’m here to make the process simple, personalized, and stress-free. With nearly 30 years as a licensed insurance agent, I specialize in helping Pasco County seniors find affordable Medigap plans tailored to their healthcare needs. From New Port Richey to Wesley Chapel, I’ll ensure you have the coverage to enjoy your vibrant retirement in this dynamic, Gulf Coast community. If any links in this guide don’t work, check the Medicare Care Compare tool or explore Florida Health Finder for additional resources, or contact local county services for assistance.
Why Medigap Plans Are Gaining Popularity
Covers Out-of-Pocket Costs: Helps pay for deductibles, copayments, and coinsurance that Original Medicare doesn’t cover, reducing unexpected medical expenses.
Financial Security: Provides peace of mind and predictability by limiting out-of-pocket costs, especially during serious illness or lengthy hospital stays.
Nationwide Flexibility: Allows beneficiaries to see any doctor or specialist who accepts Medicare, with no need for referrals, ensuring broad access to care.
Guaranteed Renewability: Policies are renewable as long as premiums are paid, so coverage can’t be canceled due to age or health changes.
Variety of Plans: Offers a range of plan options to suit different healthcare needs and budgets, allowing individuals to choose the level of coverage that best fits them.
Emergency Foreign Travel Coverage: Some plans include coverage for emergencies abroad, appealing to retirees who travel internationally.
Stable Coverage Over Time: Ensures coverage remains reliable as healthcare needs evolve with age.
These benefits make Medigap an attractive option for many Medicare recipients.
What Makes Pasco County A Great Place To Live?
Pasco County, located on Florida’s Gulf Coast just north of Tampa, offers a perfect blend of suburban growth, natural beauty, and small-town charm, making it a retiree’s haven. Home to about 608,000 residents, it’s known for its scenic parks, historic Dade City, and access to the Gulf of Mexico. A 65-year-old man or woman might enjoy kayaking in the Anclote River, exploring Starkey Wilderness Park, or attending the Kumquat Festival in Dade City. The county’s warm climate supports year-round activities, from golfing at local courses to visiting the sponge docks in Tarpon Springs, just across the county line. Senior programs through Pasco County Senior Services offer fitness classes, social events, and transportation assistance, as highlighted by Pasco-Hernando State College. Pasco County’s affordable living, diverse communities, and proximity to Tampa make it a top retirement destination.
Key cities and towns in Pasco County with populations of 1,000 or more include:
- New Port Richey (pop. ~16,000): A coastal city with a vibrant downtown and waterfront parks.
- Wesley Chapel (pop. ~65,000): A fast-growing suburban area with shopping and modern amenities.
- Zephyrhills (pop. ~17,000): Known for its skydiving culture and historic charm.
- Dade City (pop. ~7,500): The county seat, famous for its historic courthouse and annual festivals.
- Land O’ Lakes (pop. ~36,000): A family-friendly community with lakes and nature trails.
- Holiday (pop. ~21,000): A coastal town with access to Anclote Key and affordable neighborhoods.
Pasco County’s mix of coastal beauty, growing communities, and outdoor recreation makes it ideal for retirees. A Medicare Supplement plan helps cover gaps in Original Medicare, letting you focus on enjoying river kayaking or local festivals without healthcare worries.
Challenges Finding Medicare-Accepting Doctors and Hospitals in Pasco County
Pasco County has a growing healthcare network, with many providers accepting Medicare Assignment—agreeing to the Medicare-approved amount as full payment to keep your costs low. However, seniors aged 65 or older often face challenges like finding specialists for conditions such as heart disease or orthopedics, managing out-of-pocket expenses, and securing timely appointments in a county with a rapidly growing retiree population. High demand in areas like Wesley Chapel and New Port Richey can lead to longer wait times for specialists, and navigating Medigap plan options can feel complex without expert guidance.
Key challenges include:
- Finding Specialists: Matching your health needs, like cardiology or diabetes management, with the right provider can be daunting due to numerous options.
- Managing Costs: Original Medicare covers much, but copays and deductibles for frequent visits or hospital stays can add up quickly.
- Appointment Delays: Popular areas like Wesley Chapel see high demand, which can mean weeks-long waits for preferred providers, affecting timely care.
These hurdles highlight the need for tailored support to navigate healthcare options. Explore Florida Health Finder for comprehensive provider data to streamline your search.
Closest Medical Facilities Accepting Medicare Assignment
To simplify your healthcare search in Pasco County, I’ve compiled details on top facilities and providers accepting Medicare Assignment, sourced from reliable platforms like the Florida Department of Health in Pasco. The focus is on facilities near New Port Richey, a central hub in the county. Below are six key hospitals and facilities, with estimated driving distances from central New Port Richey (near Sims Park).
- HCA Florida Trinity Hospital
Located at 9330 State Rd 54, Trinity, FL 34655, this hospital is about 5 miles from central New Port Richey, a 10-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - AdventHealth Wesley Chapel
Found at 2600 Bruce B Downs Blvd, Wesley Chapel, FL 33544, this facility is approximately 20 miles from central New Port Richey, a 25-minute drive. It provides comprehensive care, including orthopedics and heart care, and accepts Medicare Assignment. - HCA Florida Bayonet Point Hospital
Located at 14000 Fivay Rd, Hudson, FL 34667, this hospital is about 7 miles from central New Port Richey, a 12-minute drive. It offers emergency and specialty care, and accepts Medicare Assignment. - Morton Plant North Bay Hospital
Found at 6600 Madison St, New Port Richey, FL 34652, this hospital is roughly 2 miles from central New Port Richey, a 5-minute drive. It provides surgical and emergency services, and accepts Medicare Assignment. - Pasco County Health Department – New Port Richey
Located at 10841 Little Rd, New Port Richey, FL 34654, this clinic is about 3 miles from central New Port Richey, a 7-minute drive. It offers primary care and preventive services, and accepts Medicare Assignment. - AdventHealth Zephyrhills
Found at 7050 Gall Blvd, Zephyrhills, FL 33541, this hospital is approximately 25 miles from central New Port Richey, a 30-minute drive. It focuses on comprehensive care and accepts Medicare Assignment.
Driving Distances to Key Facilities
Facility | Location | Distance from Central New Port Richey | Drive Time |
Morton Plant North Bay Hospital | New Port Richey, FL | 2 miles | 5 minutes |
Pasco County Health Department – New Port Richey | New Port Richey, FL | 3 miles | 7 minutes |
HCA Florida Trinity Hospital | Trinity, FL | 5 miles | 10 minutes |
HCA Florida Bayonet Point Hospital | Hudson, FL | 7 miles | 12 minutes |
AdventHealth Wesley Chapel | Wesley Chapel, FL | 20 miles | 25 minutes |
AdventHealth Zephyrhills | Zephyrhills, FL | 25 miles | 30 minutes |
Your decision doesn't have to be this overwhelming
We Help You Understand The Different Coverage Options and Gaps
An agent can explain what each plan offers, assess your healthcare needs, and identify which plan fills the gaps most effectively for you.
We'll Show You How To Compare Costs and Finding Affordable Plans On Your Own
An agent can shop around, compare quotes from multiple insurance companies, and help you find a plan that balances cost and coverage.
We'll Assist You In Figuring Out Enrollment Timing and Eligibility Rules
An agent can guide you through this timing, explain guaranteed-issue rights, and help avoid pitfalls like late enrollment penalties or medical underwriting if you switch plans later.
Directory of Medicare - Accepting Doctors in Pasco County
Finding doctors who accept Medicare Assignment is essential for affordable care. Below is a directory of six providers in Pasco County, verified through sources like AdventHealth. Use zip code 34652 for New Port Richey in searches for more options.
- Dr. Amy M. Strobbe, DO (Internal Medicine)
Practice: Morton Plant North Bay Hospital Medical Group, 6633 Forest Ave, New Port Richey, FL 34653
Accepts Medicare Assignment: Yes
Contact: (727) 849-9600
Services: Internal medicine, geriatric care, chronic condition management. - Dr. Robert E. Schorsch, MD (Family Medicine)
Practice: AdventHealth Medical Group, 2600 Bruce B Downs Blvd, Wesley Chapel, FL 33544
Accepts Medicare Assignment: Yes
Contact: (813) 929-5000
Services: Primary care, preventive health, wellness exams. - Dr. Samir M. Shakfeh, MD (Cardiology)
Practice: HCA Florida Bayonet Point Hospital Cardiology, 14000 Fivay Rd, Hudson, FL 34667
Accepts Medicare Assignment: Yes
Contact: (727) 819-2929
Services: Heart health, diagnostic testing, cardiovascular care. - Dr. Linda I. Badillo, MD (Internal Medicine)
Practice: Pasco County Health Department, 10841 Little Rd, New Port Richey, FL 34654
Accepts Medicare Assignment: Yes
Contact: (727) 861-5260
Services: General internal medicine, preventive care, chronic disease management. - Dr. Michael S. Werner, DPM (Podiatry)
Practice: AdventHealth Medical Group, 7050 Gall Blvd, Zephyrhills, FL 33541
Accepts Medicare Assignment: Yes
Contact: (813) 788-0411
Services: Foot and ankle care, diabetic foot management, podiatric surgery. - Dr. James B. Surdi, MD (Gastroenterology)
Practice: HCA Florida Trinity Hospital Medical Group, 9332 State Rd 54, Trinity, FL 34655
Accepts Medicare Assignment: Yes
Contact: (727) 375-8313
Services: Digestive health, endoscopy, gastrointestinal care.
For a complete list, visit Florida Health Finder or contact the Florida Department of Health in Pasco at (727) 861-5260.
Let’s face it, Medicare isn’t one-size fits all
Navigating Medicare can feel like wandering through a labyrinth of jargon, options, and fine print. I get it, clients often come to me feeling overwhelmed, unsure about coverage, costs, or whether they’re making the right choice. They worry about missing out on benefits or getting stuck with unexpected expenses. For nearly 30 years, I’ve listened to these concerns, answered countless questions, and helped demystify the process. My goal is simple: to understand your unique needs, clarify your options, and guide you toward a plan that brings peace of mind without the stress.
What 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.
Personalized Plan Comparison
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
Expert Guidance Throughout
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.
Ongoing Support and Advocacy
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.
F.A.Q.
You got questions? We got answers.
What is the best Medicare Supplement plan for Pasco County residents?
The best plan depends on your health and budget. Plan G offers comprehensive coverage, while High-Deductible Plan G is ideal for lower premiums. I’ll provide a personalized quote.
How do I find doctors in Pasco County who accept Medicare?
Use the Medicare Physician Compare tool for zip code 34652 or check Florida Health Finder for local providers. I can verify which doctors accept your Medigap plan.
What are the benefits of a Medicare Supplement plan for active retirees?
Medigap plans cover out-of-pocket costs like copays and deductibles, ensuring affordable care for activities like kayaking or exploring Pasco County.
Can I switch Medicare Supplement plans if my needs change?
Yes, you can switch plans, though underwriting may apply outside your initial enrollment period. I’ll guide you through a seamless transition.
How do I get to medical facilities in Pasco County?
Pasco County Public Transportation offers services to hospitals in New Port Richey or Wesley Chapel for seniors.
How I Can Help You in Pasco County?
With nearly 30 years as a licensed insurance agent, I’ve helped thousands of Florida seniors find affordable Medicare Supplement plans. Here’s how I make it easy for you:
- Custom Quotes: Compare plans like Plan G and High-Deductible Plan G to fit your budget and active lifestyle.
- Provider Matching: Connect you with top doctors and specialists in Pasco County who accept your plan.
- Clear Answers: Simplify terms, like “Is Plan G worth the cost compared to Plan N?”
- Ongoing Support: Assist with enrollment, plan changes, and finding providers for your healthcare needs.
I understand that a 65-year-old retiree in Pasco County wants to enjoy kayaking, hiking, or community festivals without worrying about healthcare costs or coverage gaps. My goal is to find a Medigap plan that offers peace of mind, letting you focus on your Gulf Coast retirement.
Addressing Your Pain Points
Seniors in Pasco County prioritize staying active, managing healthcare costs, and accessing quality providers. I address these by:
- Cost Management: I compare plans to find affordable options, like High-Deductible Plan G, which offers lower premiums for those comfortable with a higher deductible.
- Provider Access: I connect you to facilities like HCA Florida Trinity Hospital or doctors like Dr. Strobbe, ensuring timely appointments for your needs.
- Plan Clarity: I explain benefits in simple terms, helping you choose coverage that supports your active lifestyle and Original Medicare.
These steps make navigating healthcare less daunting and more tailored to your needs.
Conclusion
Choosing a Medicare Supplement plan in Pasco County doesn’t have to be overwhelming. With my expertise, I’ll help you find Medicare-accepting providers, select a plan that fits your budget and active lifestyle, and navigate the healthcare system with confidence. Whether you’re in New Port Richey, Wesley Chapel, or Zephyrhills, I’m here to simplify the process and provide ongoing support. Contact me today for a free, personalized quote and take the first step toward worry-free Medicare coverage.
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 in the Sunshine State. Learn more at the Centers for Medicare & Medicaid Services
Main Cities and Towns In Pasco County
Wesley Chapel, Jasmine Estates, Bayonet Point, Zephyrhills, Holiday, Trinity, New Port Richey, Pasadena Hills, Elfers, Shady Hills, New Port Richey East, Hudson, Dade City, Connerton, Beacon Square, Zephyrhills West, Zephyrhills South, River Ridge, Moon Lake, Port Richey, Quail Ridge, Meadow Oaks, St. Leo, San Antonio, Key Vista, Heritage Pines, Lacoochee, Crystal Springs,
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Disclaimer:
MedicareSupplementsOnly.com is 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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