Searching for The Best Medicare Supplement Plans Available In New Port Richey, Florida?
Tailored Medigap Plan quotes for Pasco County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in New Port Richey: Your Guide to Coverage
Finding the Right Medigap Coverage for Your New Port Richey Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in New Port Richey or turning 65 soon, we help residents across Pasco 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
New Port Richey Senior Demographics & Lifestyle
According to U.S. Census data, New Port Richey is a historic Gulf coastal city:
- Population: Approximately 16,000
- Residents 65+: About 26%
- Median age: 50 years
- Median household income: $40,000
- Home ownership rate: 48%
- Affordability: Budget-friendly; working-class Gulf coastal
Many New Port Richey retirees enjoy:
- High Senior Population: 26% seniors in a historic Gulf coastal city
- Historic Gulf Coastal Character: Traditional Gulf coast downtown
- Working-Class Community: Low-income Gulf coastal living
- Morton Plant North Bay Hospital: Hospital LOCAL in New Port Richey
- Regional Medical Center Bayonet Point: Hospital 10 minutes in Hudson
- Safe Environment: Good security, historic coastal values
- Historic Downtown: Charming historic Main Street district
- Low Homeownership: 48% own homes showing transient character
- Strategic Location: Central Gulf coast Pasco, waterfront city
- Gulf Access: Cotee River and Gulf of Mexico proximity
- Small City Charm: Intimate 16,000-resident historic scale
- Waterfront Character: Historic riverfront and Gulf coastal
- MODERATE GULF COASTAL EXPOSURE: Gulf coast hurricane vulnerability
New Port Richey attracts working-class retirees seeking affordable historic Gulf coastal living. The combination of budget-friendly costs with a $40,000 low working-class median income, a high senior population (26%), low homeownership (48%), Morton Plant North Bay Hospital LOCAL plus Regional Medical Center Bayonet Point nearby (10 minutes), historic downtown Main Street charm, Cotee River waterfront character, small 16,000-resident intimate scale, Gulf of Mexico proximity, Gulf coast location with MODERATE GULF COASTAL HURRICANE EXPOSURE, and affordable historic Gulf coastal city living makes it ideal for working-class retirees who prioritize local hospital access, historic Gulf coastal character, waterfront living, and comfortable Gulf coast living on very tight budgets while understanding Gulf coastal hurricane vulnerability.
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 New Port Richey?
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
New Port Richey-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 New Port Richey Residents Need Medicare Supplement Coverage
New Port Richey residents face healthcare challenges that make Medicare Supplement coverage absolutely critical:
Excellent Local Hospital Access: New Port Richey has excellent local hospital access with Morton Plant North Bay Hospital located in New Port Richey, providing emergency care, surgical services, and comprehensive hospital services. This local hospital access is important for the historic Gulf coastal city, valuable for the 26% senior population. Additional hospitals includes Regional Medical Center Bayonet Point (10 minutes in Hudson).
Low Working-Class Income with Severe Budget Constraints: With a median household income of $40,000, low working-class and modest for Gulf coastal area, most New Port Richey residents live on very limited working-class wages, Social Security, and minimal retirement savings. The 26% senior population, high for a coastal city, represents substantial numbers (approximately 4,200 seniors) in the small historic Gulf coastal city. One hospitalization could cost $5,000-$15,000 without Medigap, absolutely devastating and potentially bankrupting for low-income retirees on extremely tight fixed incomes. For those who’ve chosen New Port Richey for affordable historic Gulf coastal living, protecting extremely limited assets is absolutely critical for financial survival.
Hurricane Idalia, Irma and Storm History with MODERATE GULF COASTAL EXPOSURE: As a Gulf coastal Pasco County city with Cotee River waterfront and Gulf proximity, New Port Richey experienced moderate to significant hurricane impacts with Gulf coastal vulnerability:
Hurricane Idalia (August 2023): Category 3 Gulf impacts brought significant wind damage throughout historic coastal city, storm surge flooding along Cotee River waterfront and low-lying areas, substantial property damage throughout New Port Richey, widespread extended power outages, coastal flooding concerns throughout waterfront, significant damage requiring repairs on extremely tight budgets, evacuations from flood-prone waterfront areas, and difficult recovery. Gulf coastal proximity and Cotee River waterfront created vulnerability to storm surge and Gulf coastal impacts.
Hurricane Irma (September 2017): Category 1-2 Gulf impacts brought wind damage throughout historic coastal city, widespread extended power outages, storm surge concerns along Gulf coast and Cotee River, property damage throughout New Port Richey, and recovery challenges on extremely tight budgets. Gulf coastal location created vulnerability.
Hurricane Hermine (September 2016): Tropical storm impacts brought significant flooding in low-lying coastal and riverfront areas, wind damage, property damage on extremely tight budgets, and recovery challenges with Gulf coastal and river flooding being primary concern.
Numerous hurricanes and tropical systems over decades have brought Gulf coastal impacts, storm surge threats, coastal and riverfront flooding, wind damage, and regular hurricane vulnerability. New Port Richey’s Gulf coastal Pasco County location with Cotee River waterfront creates ongoing Gulf coastal hurricane exposure.
The Gulf coastal location with riverfront creates MODERATE GULF COASTAL HURRICANE EXPOSURE – higher risk than inland communities. Proximity to Gulf of Mexico, Cotee River waterfront vulnerability, storm surge concerns in low-lying waterfront areas during major hurricanes, coastal and riverfront flooding affecting properties, evacuations for approaching storms, property damage has been significant and costly on extremely tight budgets, insurance costs are higher than inland areas due to Gulf coastal risk, and the Gulf coastal exposure is an important consideration for working-class extremely tight budgets. This context makes comprehensive insurance coverage, including Medigap, absolutely critical for protecting extremely limited assets while living in a Gulf coastal waterfront location.
Plan N: Essential Affordable Protection for New Port Richey: For New Port Richey’s low working-class income profile with a $40,000 median income, Plan N is almost always the only practical choice, saving $35-50 monthly versus Plan G. That’s $420-600 annually, absolutely critical savings on extremely tight budgets. Plan N provides essential affordable protection with small copays ($20 office, $50 ER waived if admitted), making it the necessary choice for budget-constrained low-income retirees managing extremely tight budgets in the small historic Gulf coastal city. The savings are essential for financial survival.
About New Port Richey: Community Snapshot for Seniors
New Port Richey is a city of approximately 16,000 residents in Pasco County, a working-class small historic Gulf coastal city with waterfront character. With Morton Plant North Bay Hospital LOCAL, historic downtown Main Street, and a 26% senior population, New Port Richey offers budget-friendly working-class historic Gulf coastal city retirement living with excellent local hospital access and Gulf coastal exposure considerations.
According to U.S. Census data, about 26% of New Port Richey residents are 65 or older, representing approximately 4,200 retirees and creating a substantial working-class retirement community in the small historic Gulf coastal city. The median household income of $40,000 and homeownership rate of 48% indicate a working-class community managing extremely tight budgets with low commitment. The economy centers on working-class Gulf coastal residential character, tourism services, waterfront businesses, retail employment, and working-class employment in the small historic Gulf coastal city.
New Port Richey’s defining characteristic is budget-friendly working-class small historic Gulf coastal city retirement living with 26% seniors representing approximately 4,200 retirees (high, substantial numbers for small city), a $40,000 low working-class modest median income requiring extremely careful budget management on very tight fixed incomes, low homeownership (48%) showing transient character, Morton Plant North Bay Hospital LOCAL in New Port Richey providing local hospital access, 10 minutes to Regional Medical Center Bayonet Point providing additional hospital access, historic downtown Main Street with charming traditional district, Cotee River waterfront location creating riverfront character, Gulf of Mexico proximity providing Gulf coastal access, small 16,000-resident intimate historic scale, affordable working-class historic Gulf coastal character, central Gulf coast Pasco location, low homeownership creating transient character, Gulf coastal location with Cotee River waterfront creating MODERATE GULF COASTAL HURRICANE EXPOSURE, and budget-friendly costs making historic Gulf coastal city living accessible for extremely tight working-class budgets. The local hospital and historic waterfront character create an affordable Gulf coastal retirement option with Gulf coastal vulnerability considerations.
The cost of living is budget-friendly for a historic Gulf coastal city. Home prices range from $110,000-$240,000 for standard working-class Gulf coastal homes, affordable for working-class budgets in the small historic Gulf coastal city. The 48% homeownership rate indicates low community stability for a working-class Gulf coastal city with less than half owning homes showing transient character. For low-income working-class retirees on extremely tight budgets, New Port Richey provides affordable historic Gulf coastal city living with local hospital access at a budget-friendly cost.
The high senior population (26%) represents a substantial retiree community for the small historic Gulf coastal city. With over one-quarter of residents 65 or older, that’s approximately 4,200 working-class retirees, creating a major retirement presence for the small 16,000-resident city, indicating strong retirement appeal.
The low working-class median household income ($40,000) reflects a modest community with very limited retirement resources requiring extremely careful budget management on very tight fixed incomes in a Gulf coastal setting.
The low homeownership rate (48%) demonstrates low stability and transient character with less than half owning homes showing low commitment to the working-class historic Gulf coastal city, lowest homeownership in Pasco County.
The excellent local hospital access creates practical healthcare advantages for the small historic Gulf coastal city. Morton Plant North Bay Hospital (LOCAL in New Port Richey) provides local care:
Morton Plant North Bay Hospital (New Port Richey, LOCAL) provides emergency care, surgical services, and comprehensive hospital services
Regional Medical Center Bayonet Point (Hudson, 10 minutes) provides emergency care, surgical services, comprehensive hospital services, full range of medical care, and regional hospital services
AdventHealth Wesley Chapel (Wesley Chapel, 25 minutes) provides emergency care, surgical services, comprehensive hospital services, and full range of medical care
Having Morton Plant North Bay Hospital locally in New Port Richey provides important local healthcare access for the working-class small historic Gulf coastal city retirement community with approximately 4,200 seniors, with Regional Medical Center Bayonet Point just 10 minutes away providing additional comprehensive services.
The historic downtown Main Street creates THE defining feature. New Port Richey features historic downtown Main Street district, charming traditional downtown character, locally-owned shops and restaurants, historic buildings and architecture, waterfront downtown location on Cotee River, and historic Main Street distinguishing New Port Richey as a historic Gulf coastal retirement destination with authentic traditional Florida character.
The Cotee River waterfront creates riverfront character, with Cotee River waterfront location, riverfront parks and access, boating and water recreation, waterfront downtown setting, and riverfront creating waterfront Gulf coastal city retirement character.
The Gulf of Mexico proximity creates coastal appeal, with Gulf of Mexico proximity and access, Gulf coastal lifestyle opportunities, Gulf beaches nearby, coastal recreation available, and Gulf proximity creating Gulf coastal retirement character.
The small 16,000-resident intimate historic scale creates traditional appeal, with small intimate historic city scale, close-knit working-class community, traditional small Gulf coastal city character, and authentic intimate scale creating traditional small historic coastal retirement setting.
The affordable working-class historic Gulf coastal character creates accessibility, with affordable working-class historic Gulf coast living, budget-friendly Gulf coastal option, accessible historic coastal retirement for tight budgets, and working-class character creating affordable historic Gulf coastal retirement for limited incomes.
The central Gulf coast Pasco location creates strategic character, with central Gulf coast Pasco County location, strategic Gulf coast positioning, central location on Gulf coast, and location providing Gulf coast access while maintaining affordable New Port Richey residence.
The low homeownership creates transient character, with 48% homeownership (lowest in Pasco County!) showing low Gulf coastal commitment, transient community character, low community stability, and rental-focused character creating transient working-class Gulf coastal city.
The Gulf coastal location with Cotee River waterfront creates Gulf living with vulnerability considerations. Gulf coastal Pasco County location, Cotee River waterfront vulnerability, proximity to Gulf of Mexico, Gulf coastal lifestyle opportunities, but MODERATE GULF COASTAL HURRICANE EXPOSURE creating important vulnerability considerations compared to protected inland communities.
The hurricane Idalia, Irma and Hermine history demonstrates the GULF COASTAL EXPOSURE vulnerability:
Hurricane Idalia (2023): Category 3 Gulf impacts brought significant wind damage throughout historic coastal city affecting properties, storm surge flooding along Cotee River waterfront and low-lying areas causing substantial damage to waterfront properties, substantial property damage throughout New Port Richey requiring repairs on extremely tight working-class budgets, widespread extended power outages affecting approximately 4,200 seniors, coastal and riverfront flooding throughout low-lying areas, significant damage requiring repairs impossible for many on extremely tight budgets, evacuations from flood-prone waterfront areas with displacement, and difficult recovery. Gulf coastal proximity and Cotee River waterfront created vulnerability to storm surge and Gulf coastal impacts. Recovery was extremely difficult on extremely tight budgets.
Hurricane Irma (2017): Category 1-2 Gulf impacts brought wind damage throughout historic coastal city affecting properties, widespread extended power outages affecting approximately 4,200 seniors, storm surge concerns and coastal flooding threats along Gulf coast and Cotee River, property damage throughout New Port Richey, and recovery challenges on extremely tight budgets. Gulf coastal location and riverfront created vulnerability to storm surge.
Hurricane Hermine (2016): Tropical storm impacts brought significant flooding in low-lying coastal and riverfront areas causing substantial damage, wind damage throughout community, property damage on extremely tight budgets, and recovery challenges with Gulf coastal and Cotee River flooding being primary devastating concern for low-income residents.
Impact on a Working-Class Small Historic Gulf Coastal City with MODERATE GULF COASTAL EXPOSURE: Property damage was significant and costly on extremely tight working-class budgets compared to protected inland communities, insurance costs are higher than inland areas due to Gulf coastal and riverfront hurricane risk (practical disadvantage for tight budgets), the Gulf coastal location with Cotee River waterfront created vulnerability to storm surge and coastal flooding, recovery was extremely difficult and often impossible with very limited resources, and ongoing Gulf coastal exposure is an important critical consideration for retirement planning compared to protected inland communities. Many working-class residents cannot afford repairs after storms.
The working-class small historic Gulf coastal city character attracts working-class retirees seeking affordable historic Gulf coastal living with awareness of Gulf coastal hurricane exposure, local hospital access (Morton Plant North Bay Hospital locally), a substantial retirement community (4,200 seniors, 26%, high!), historic downtown Main Street charm, Cotee River waterfront, and ability to afford historic Gulf coastal city retirement on extremely tight very limited working-class budgets while understanding Gulf coastal vulnerability.
The Pasco County location provides an affordable historic Gulf coastal city option making historic Gulf coastal living accessible for working-class budgets with local hospital access and Gulf coastal exposure considerations.
Healthcare access reflects New Port Richey’s excellent local advantage. Morton Plant North Bay Hospital (LOCAL in New Port Richey), Regional Medical Center Bayonet Point (10 minutes), and AdventHealth Wesley Chapel (25 minutes) provide excellent local hospital access for the working-class small historic Gulf coastal city retirement community with approximately 4,200 seniors.
Retirees are drawn to New Port Richey for budget-friendly working-class small historic Gulf coastal city retirement living, 26% seniors representing approximately 4,200 retirees creating a substantial retirement community (high!), a $40,000 low working-class modest median income requiring extremely careful budget management, low homeownership (48%, lowest in Pasco County), Morton Plant North Bay Hospital LOCAL in New Port Richey providing local hospital access, 10 minutes to Regional Medical Center Bayonet Point, historic downtown Main Street with charming traditional district, Cotee River waterfront location creating riverfront character, Gulf of Mexico proximity providing Gulf coastal access, small 16,000-resident intimate historic scale, affordable working-class historic Gulf coastal character, central Gulf coast Pasco location, Gulf coastal location with Cotee River waterfront creating MODERATE GULF COASTAL HURRICANE EXPOSURE requiring awareness, and budget-friendly costs making historic Gulf coastal city living accessible for extremely tight very limited working-class budgets.
For working-class retirees seeking affordable historic Gulf coastal city retirement with local hospital access (Morton Plant North Bay Hospital locally), a substantial retirement community (4,200 seniors, 26%, high!), historic downtown Main Street charm, Cotee River waterfront, Gulf beach proximity, small intimate 16,000-resident historic scale, affordable working-class Gulf coastal living, low homeownership (48%) showing transient character, and budget-friendly costs making historic Gulf coastal city living accessible on extremely tight very limited working-class budgets while understanding Gulf coastal hurricane exposure vulnerability, New Port Richey provides excellent affordable historic Gulf coastal city retirement value with local hospital advantage and Gulf coastal considerations.
Healthcare Access in New Port Richey, Florida
New Port Richey residents benefit from excellent local hospital access:
Local Hospital:
- Morton Plant North Bay Hospital, New Port Richey (LOCAL), providing emergency care, surgical services, and comprehensive hospital services
Nearby Hospitals (10-25 minutes):
- Regional Medical Center Bayonet Point, Hudson (10 minutes), providing emergency care, surgical services, comprehensive hospital services, full range of medical care, and regional hospital services
- AdventHealth Wesley Chapel, Wesley Chapel (25 minutes), providing emergency care, surgical services, comprehensive hospital services, and full range of medical care
Excellent Healthcare Access:
New Port Richey residents benefit from excellent healthcare access for a working-class small historic Gulf coastal city. Morton Plant North Bay Hospital (LOCAL in New Port Richey) provides local hospital care, important for the 26% senior population (approximately 4,200 retirees), with Regional Medical Center Bayonet Point just 10 minutes away providing additional comprehensive services.
Having comprehensive Medicare Supplement coverage is absolutely critical for New Port Richey residents because even with local hospital access, one hospitalization could cost $5,000-$15,000+ without Medigap, absolutely devastating and potentially bankrupting on a $40,000 low working-class modest income. For working-class retirees on extremely tight fixed incomes, affordable comprehensive coverage is absolutely essential for financial survival.
Pharmacies:
- CVS Pharmacy, Walgreens, and Publix Pharmacy locations in New Port Richey
Medicare-Accepting Doctors Serving New Port Richey Residents
Primary Care: Physicians in New Port Richey serving the 26% senior population (approximately 4,200 retirees), plus Morton Plant North Bay Hospital and Regional Medical Center Bayonet Point practices and Pasco County Health Department preventive services.
Specialists: Comprehensive specialists in New Port Richey and nearby Pasco County communities serving the New Port Richey working-class small historic Gulf coastal city retirement community.
Hospital Services: Morton Plant North Bay Hospital (LOCAL) for most needs, with Regional Medical Center Bayonet Point (10 minutes) and AdventHealth Wesley Chapel available nearby.
Always verify Medicare acceptance.
Driving Distances to Key Facilities
Facility | Location | Distance | Drive Time |
Morton Plant North Bay Hospital | New Port Richey | Local | 5-10 minutes |
Historic Downtown Main Street | New Port Richey | Local | 5 minutes |
Cotee River waterfront | New Port Richey | Local | 5 minutes |
Regional Medical Center Bayonet Point | Hudson | 5 miles | 10 minutes |
Gulf of Mexico beaches | Gulf coast | 5-10 miles | 10-15 minutes |
Holiday | Holiday | 5 miles | 10 minutes |
AdventHealth Wesley Chapel | Wesley Chapel | 20 miles | 25 minutes |
Tampa | Tampa | 35 miles | 40 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
Pasco County Resources:
- Pasco County Senior Services
- Florida SHINE: 1-800-963-5337
- Pasco County Health Department
Healthcare Resources:
- Morton Plant North Bay Hospital (LOCAL), (727) 842-8468
- Regional Medical Center Bayonet Point (10 min), (727) 819-2929
Community Resources:
- Historic downtown Main Street, traditional shops and dining
- Cotee River waterfront, riverfront parks and recreation
- Gulf of Mexico beaches nearby, Gulf coastal access
- Sims Park, riverfront park and events
- Community parks throughout small historic coastal city
- Senior programs serving approximately 4,200 retirees
- Historic Gulf coastal city activities
- Hurricane preparedness resources (important for Gulf coastal location)
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 New Port Richey, FL Residents
We specialize in helping Pasco County working-class small historic Gulf coastal city residents:
✓ Free Plan Comparisons (ZIP 34652, 34653, 34654, 34655, 34656)
✓ Maximum Affordability Focus for low-income working-class Gulf coastal retirees on extremely tight fixed incomes
✓ No-Pressure Guidance
✓ Year-Round Support
✓ Understanding of working-class small historic Gulf coastal city and Gulf coastal exposure
✓ Recognition of a substantial retirement community (4,200+ seniors, 26%, high!)
Common Medicare Questions from New Port Richey Residents
“Do I need a Medigap plan if we have a hospital right here?”
Yes, absolutely critical protection. Even with Morton Plant North Bay Hospital locally, one hospitalization costs $5,000-$15,000+ without Medigap, absolutely devastating and potentially bankrupting on a $40,000 low working-class modest income. For working-class retirees on extremely tight fixed incomes, affordable comprehensive coverage is absolutely essential for financial survival.
“Which plan fits my extremely tight working-class budget?”
Plan N is almost always the only practical choice for New Port Richey residents on extremely tight budgets. Saving $420-600 annually versus Plan G is absolutely critical on a $40,000 low working-class median income. Plan N provides essential affordable protection for budget-constrained working-class historic Gulf coastal city retirees managing extremely tight budgets. The savings are essential for survival.
“Can I use my Medigap plan at the local hospital and other hospitals?”
Absolutely! Medicare Supplement plans work with any doctor or hospital accepting Original Medicare, Morton Plant North Bay Hospital, Regional Medical Center Bayonet Point, AdventHealth Wesley Chapel, 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 Pasco County
Wesley Chapel, Jasmine Estates, Holiday, Land O’ Lakes, Bayonet Point, Zephyrhills, Holiday, Trinity, 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 River,
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.
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.
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