Help Paying Medicare Advantage Copays in Palm Coast, Florida
Palm Coast is the county seat and largest city in Flagler County, located along the Atlantic coast between St. Augustine and Daytona Beach. It is served primarily by ZIP codes 32137 and 32164. Palm Coast is one of the fastest-growing cities in Florida and has a large and growing Medicare-eligible population, particularly in its many planned residential communities. Medicare Advantage plan availability is determined at the county level, so the plans available across these ZIP codes reflect the full Flagler County plan market.
This page is an educational resource for Palm Coast Medicare beneficiaries. No recommendations are being made. Coverage varies by plan.
For a comprehensive overview, visit: Help Paying Medicare Advantage Copays — Main Resource.
Independent Medicare Broker — Palm Coast, FL
William Gray — The Medicare Dude
Serving Palm Coast and all of Flagler County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
Medicare Advantage in Palm Coast
Palm Coast residents have access to the Medicare Advantage plans available throughout Flagler County. The primary hospital serving Palm Coast is AdventHealth Palm Coast (formerly Florida Hospital Flagler). Additional specialist and hospital access is available in Daytona Beach (Volusia County) and St. Augustine (St. Johns County). Provider network participation varies by plan — verify that your preferred providers are in-network before enrolling.
An independent Medicare broker can compare the plans available in ZIP codes 32137 and 32164 and help you understand how each plan's cost-sharing structure aligns with your healthcare needs and preferred providers.
Educational Information About Cash-Benefit Insurance
Some Palm Coast Medicare Advantage enrollees choose to explore separate supplemental insurance products that pay a cash benefit upon a covered event. These are not Medicare Supplement (Medigap) plans and do not replace Medicare.
Hospital Indemnity Insurance
Pays a fixed cash benefit upon a covered hospital admission. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply.
Hospital Indemnity Insurance — Full OverviewCancer Insurance
Pays a fixed cash benefit upon a covered cancer diagnosis or during covered cancer treatment. Benefits vary by policy.
Cancer Insurance — Full OverviewCritical Illness Insurance
Pays a lump-sum cash benefit upon diagnosis of a covered critical illness. Benefits vary by policy.
Critical Illness Insurance — Full OverviewRelated Pages — Flagler County
Frequently Asked Questions — Palm Coast Medicare Advantage
What ZIP codes serve Palm Coast for Medicare plan lookups?
Palm Coast is primarily served by ZIP codes 32137 and 32164. Use your specific ZIP code when using the Medicare Plan Finder at Medicare.gov or when speaking with a broker. Plan availability is determined at the county level for Medicare Advantage — the plans available in these ZIP codes reflect the full Flagler County plan market.
What hospital serves Palm Coast Medicare Advantage enrollees?
AdventHealth Palm Coast (formerly Florida Hospital Flagler) is the primary hospital serving Palm Coast. Additional specialist and hospital access is available in Daytona Beach and St. Augustine. Medicare Advantage network participation varies by carrier and plan — verify that your preferred hospitals and physicians are in-network before enrolling.
What is the out-of-pocket maximum for Medicare Advantage plans in 2026?
For 2026, CMS set the maximum allowable in-network out-of-pocket maximum (MOOP) at $9,350. Individual plans may set their MOOP lower. Once you reach your plan's MOOP, the plan covers 100% of covered in-network services for the rest of the calendar year. Coverage varies by plan.
What free Medicare counseling is available for Palm Coast residents?
The Florida SHINE program (Serving Health Insurance Needs of Elders) provides free, unbiased Medicare counseling. Call 1-800-963-5337 to reach a SHINE counselor who can help you compare plans, understand your benefits, and navigate enrollment periods at no cost.
When can I change my Medicare Advantage plan?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. Changes take effect January 1. The Medicare Advantage Open Enrollment Period runs January 1 – March 31 and allows one plan change. Outside these periods, changes are generally only permitted with a qualifying Special Enrollment Period.
Independent Medicare Broker — Palm Coast, FL
William Gray — The Medicare Dude
Serving Palm Coast and all of Flagler County. Independent, educational Medicare guidance since 1998.
- FL License #W690237 · Agency License #L134055
- Independent — represents multiple carriers, not captive to any single plan
- No obligation. No pressure. Educational consultations only.
This page is for educational purposes only. No recommendations are being made. Coverage varies by Medicare Advantage plan. Plan availability varies by ZIP code. Hospital indemnity insurance, cancer insurance, and critical illness insurance are separate supplemental insurance products. They are not Medicare Supplement insurance and do not replace Medicare. Benefits vary by policy. Eligibility, exclusions, limitations, and waiting periods may apply. The Medicare Dude is a licensed independent Medicare insurance agency. FL License #W690237. Agency License #L134055.