⭐ 2026 Open Enrollment Tool
Compare 2026 Florida Medicare & Health Plans — Free Guided Experience
The Medicare Landscape Is Shifting
2026 brings meaningful changes to Medicare Advantage, Part D drug costs, and plan availability in Pinellas County. If you haven't reviewed your coverage since last year, now is the time.
$2,000 Part D Cap Continues
The Inflation Reduction Act's $2,000 annual out-of-pocket cap on prescription drug costs remains in effect for 2026 — a major benefit for anyone on maintenance medications.
Plan Availability Is Changing
Several Medicare Advantage carriers have adjusted their plan offerings, networks, and benefits for 2026. A plan that worked well in 2025 may have changed its formulary, copays, or provider network.
Part B Premium Update
CMS has announced updated Part B premiums and deductibles for 2026. We'll walk you through exactly how these changes affect your total annual Medicare cost.
Understanding Your Medicare Options
Medicare
Medicare Advantage plans bundle Part A (hospital), Part B (medical), and often Part D (prescriptions) into a single private plan. Many include dental, vision, and hearing benefits. Costs and network restrictions vary by plan and county.
Medicare Supplement
Medigap plans work alongside Original Medicare to cover cost-sharing gaps — deductibles, copays, and coinsurance. They offer broader provider access and predictable costs, typically at higher monthly premiums.
Prescription Drug Plans
Standalone Part D plans add prescription drug coverage to Original Medicare or a Medigap plan. We compare formularies, tier structures, and pharmacy networks to find the best fit for your specific medications.
How We Work With You
✓ What We Do
- Compare every plan available in your county
- Explain costs in plain language — no jargon
- Review your current medications and doctors
- Help you enroll at no cost to you
- Provide annual reviews every fall
- Assist with DSNP and Extra Help eligibility
✗ What We Don't Do
- —Push you toward any specific carrier
- —Charge fees for our guidance
- —Use high-pressure sales tactics
- —Recommend plans without reviewing your needs
- —Disappear after enrollment
Medicare FAQ
Common questions from Pinellas County residents navigating Medicare for the first time or reviewing their current coverage.
Ready to review your Medicare options?
Schedule a free, no-pressure consultation. We'll compare every plan available in your area and help you choose with confidence.
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We are not affiliated with or endorsed by Medicare or any government agency. For official Medicare information, visit medicare.gov.