Medicare Agent in
Hastings, FL
Independent broker William Gray compares every Medicare plan available in Hastings and rural St. Johns County — at no cost to you.
No cost · No obligation · Takes 15 minutes
20+
MA Plans Available
ZIP 32145
10+
Years Serving
St. Johns County
$0
Broker Fee
Always Free
5★
Client Reviews
Google Verified
Independent Medicare Broker Near Me
Hastings's Independent Medicare Broker — Potato Capital, Practical Advice
Hastings calls itself the Potato Capital of Florida — and the potato farms that stretch across western St. Johns County have supported generations of families here. Many of those families are now Medicare-eligible and deserve the same quality of advice as anyone in St. Augustine or Ponte Vedra Beach, without having to drive 20 miles to get it.
William Gray is an independent broker with no carrier allegiance. He compares every plan available in ZIP 32145 — Humana, Florida Blue, UnitedHealthcare, Aetna, Cigna, and others — and his focus is finding the plan that covers your doctors at Flagler Hospital in St. Augustine and keeps your prescriptions affordable. He makes in-home visits throughout rural St. Johns County.
Hastings residents who rely on Flagler Hospital or UF Health St. Johns for specialist care should know that not every Medicare Advantage plan serving St. Johns County lists both systems at the same network tier. Some plans prefer one system over the other, which affects your cost-sharing on every specialist visit and inpatient stay. William checks both systems against every available plan before making a recommendation — not just whether they're technically in-network.
His service is free. Carriers pay a standard commission at enrollment — the same amount regardless of which plan you choose — so William has no financial reason to steer you toward any particular carrier. He has served rural St. Johns County seniors since 2010 and is available year-round for questions and annual reviews.
William Gray
Independent Medicare Broker
FL License #W690237 · 29+ Years
No cost · No obligation · Takes 15 minutes
Medicare Services in Hastings
How William Helps Hastings Seniors
Medicare Help Near Me
Serving Hastings ZIP Codes & Nearby Areas
William serves Hastings and all of western St. Johns County.
Not Sure Which Plans Are Available in Your ZIP?
Medicare plan availability varies by ZIP code. Call William with your ZIP and he'll pull up every plan available in your area — Medicare Advantage, Medigap, and Part D.
Call (386) 871-3858Local Hospital Networks
Hospitals Serving Hastings Medicare Patients
William verifies your preferred hospital is in-network before recommending any Medicare Advantage plan. Not all plans cover all hospitals — this is one of the most important checks he performs.
Flagler Hospital
400 Health Park Blvd, St. Augustine, FL 32086
Primary hospital serving St. Johns County, 20 min from Hastings
HCA Florida Putnam Hospital
611 Zeagler Dr, Palatka, FL 32177
Alternative hospital 25 min west
Not all Medicare Advantage plans include Flagler Hospital in-network. William verifies your preferred hospitals before recommending any plan.
Plan Comparison
Medicare Advantage vs. Medigap in Hastings
The right choice depends on your doctors, medications, travel habits, and budget. William explains both options honestly — he has no incentive to push one over the other.
Medicare Advantage
Advantages
- $0 or low monthly premium
- Includes dental, vision & hearing
- Prescription drug coverage included
- Out-of-pocket maximum protection
Limitations
- ✕Restricted to plan network
- ✕Requires referrals (HMO plans)
- ✕Coverage varies by ZIP code
- ✕Network can change annually
Best For
Healthy seniors who want low premiums and extra benefits and are comfortable with network restrictions.
Medigap (Medicare Supplement)
Advantages
- Use any Medicare-accepting doctor nationwide
- Predictable costs — no surprise bills
- No referrals required
- Ideal for frequent travelers
Limitations
- ✕Higher monthly premium
- ✕Separate Part D plan needed
- ✕Medical underwriting may apply
- ✕No dental/vision/hearing included
Best For
Seniors who want freedom to see any doctor, predictable costs, or who travel frequently.
Not Sure Which Is Right for You?
William walks every Hastings client through both options side-by-side — with real numbers for your specific situation. Free, no pressure.
Get a Free Plan ComparisonInsurance Carriers
Carriers William Represents in Hastings
William is contracted with 28 carriers — he compares every plan available in your ZIP code, not just the ones from a single company.
Humana
MA + MedigapFlorida Blue
MA + MedigapUnitedHealthcare
MA + MedigapAetna
MA + MedigapCigna
MA + MedigapWellCare
MADevoted Health
MAMutual of Omaha
MedigapAllstate Health
MedigapBankers Fidelity
MedigapLumico
MedigapMedico
Medigap28 carriers total — William compares every plan available in Hastings and recommends the best fit for your doctors, medications, and budget. Call for a free comparison →
Local Medicare Providers
Medicare-Accepting Doctors & Specialists in Hastings
Before enrolling in any Medicare Advantage plan, William verifies that your current doctors are in-network. These are some of the most commonly used practices in Hastings — but network status changes annually.
Flagler Health+ — St. Augustine Primary Care
Primary Care400 Health Park Blvd, St. Augustine, FL 32086
Closest Flagler Health+ primary care to Hastings. Accepts Original Medicare; verify Advantage plan network.
Verify providerFlagler Hospital — St. Augustine
Acute Care / Specialists400 Health Park Blvd, St. Augustine, FL 32086
Full-service hospital serving Hastings and St. Johns County. Verify Advantage plan network before scheduling.
Verify providerHastings Community Health Center
Family Medicine200 S Main St, Hastings, FL 32145
Rural community health serving Hastings. Accepts Medicare; sliding-scale fees may be available.
Verify providerDon't Lose Your Doctor When You Switch Plans
Network changes are the #1 complaint from Medicare Advantage enrollees. William checks every doctor and hospital against every plan before making a recommendation — at no cost to you.
Call William — Verify Your Doctors FreeNeighborhoods & Communities
Medicare Help Across All Hastings Communities
Downtown Hastings
Small-town main street on SR-207 — the civic heart of the Potato Capital, with local services and the Hastings Community Health Center
Hastings Farms
Agricultural land and rural residential properties spreading across western St. Johns County — the landscape that defines this community
Elkton
Neighboring rural community 5 miles north on US-1, part of the western St. Johns County service area William covers
Hastings sits in the agricultural heart of western St. Johns County. St. Augustine is 20 miles east on SR-207 — where Flagler Hospital is located. Palatka in Putnam County is 25 miles west across the St. Johns River. Palm Coast is 30 miles south. William serves all of rural western St. Johns County with in-home visits.
Local Senior Resources
Senior Resources in Hastings & St. Johns County
Helpful contacts for Medicare, aging services, and senior support in rural St. Johns County.
William works alongside these resources — not instead of them
SHINE counselors are great for unbiased information, but they can't enroll you in a plan. William can — and he handles all the paperwork at no cost to you. Learn how free Medicare help works in Florida.
Local Care Facilities & Services
Hastings Skilled Nursing, Assisted Living & Home Health
Medicare covers skilled nursing and home health services under specific conditions. These are the top-rated facilities and agencies serving Hastings and St. Johns County. William can review your plan's coverage for any of these providers before you need care.
Flagler Hospital Transitional Care Unit
4-star CMSMedicare certified
Hospital-based skilled nursing at Flagler Hospital — the primary hospital for St. Johns County. Ideal for patients transitioning from acute care to skilled rehabilitation before returning home.
flaglerhospital.orgSt. Augustine Health and Rehabilitation
Medicare & Medicaid certified
Skilled nursing and short-term rehabilitation in St. Augustine. Physical, occupational, and speech therapy. Accepts Medicare, Medicaid, and most Medicare Advantage plans.
Medicare Care Compare profileMariner Health Care of St. Augustine
Medicare & Medicaid certified
Skilled nursing and rehabilitation serving St. Johns County. Short-term rehab and long-term care. Accepts Medicare, Medicaid, and most Medicare Advantage plans.
marinerhealthcare.comVicar's Landing Health Center
5-star CMSMedicare & Medicaid certified
Life plan community health center in Ponte Vedra Beach serving northern St. Johns County. Short-term rehab and long-term skilled nursing with consistently high CMS ratings.
vicarslanding.orgHastings Medicare Guides
Free Medicare Resources for Hastings Seniors
Serving All of Northeast Florida
Medicare Help Across NE Florida
William serves seniors across the entire NE Florida region. Each city has its own plan lineup and network — click your city for local Medicare information.
Don't see your city? William serves all of Florida — and all 50 states. View the full St. Johns County Medicare Guide.
Hastings Medicare by the Numbers
Medicare in St. Johns County
Key facts about Medicare coverage in St. Johns County.
55K+
Medicare Beneficiaries
St. Johns County
30+
MA Plans Available
2026 Plan Year
1
Major Hospital
Flagler Hospital
Client Reviews
What Florida Seniors Say About William
"My husband and I needed to start Medicare parts B and D not during open enrollment but mid-year when he retired and our company insurance discontinued. Mr. Gray was very helpful and made the transition very easy. Much appreciated!"
Kathleen McLoughlin
Florida
"Absolutely superb outcome for my wife and me. He exceeded my expectations. He presented me with options, strategies, and expectations. He was a true independent Medicare consultant. When I was facing serious health issues, he was there for us. He found a plan to fit our needs."
John Mahoney
Florida
"William is not just a registered healthcare broker professional, but he is also a wealth of knowledge and sage counsel in our best interests. He's always available when questions arise. We highly recommend The Medicare Dude!"
TinaKelvin Brentzel
Florida
FAQ
Frequently Asked Questions — Hastings Medicare
Is there a Medicare agent near Hastings, FL?
Yes — William Gray is an independent Medicare broker serving Hastings and all of rural St. Johns County. He makes in-home visits and also offers phone and video consultations — at no cost. Call (386) 871-3858.
What Medicare plans are available in Hastings, FL 32145?
Hastings ZIP 32145 has access to 20+ Medicare Advantage plans and a full range of Medigap supplement options for 2026. William compares every plan side by side.
Is using a Medicare broker in Hastings free?
Yes — completely free. Insurance carriers pay William a commission when you enroll. You pay the exact same premium whether you use William or call the carrier yourself.
What hospital is closest to Hastings, FL?
Flagler Hospital in St. Augustine is the closest full-service hospital — about 20 minutes east on SR-207. HCA Florida Putnam Hospital in Palatka is 25 minutes west. William verifies which plans keep both in-network before making any recommendation.
What is the difference between Medicare Advantage and Medigap in Hastings?
Medicare Advantage is an all-in-one plan that replaces Original Medicare — often $0 premium but with copays and network restrictions. Medigap supplements Original Medicare and covers most cost-sharing, giving you freedom to see any Medicare-accepting doctor. For rural residents who travel to St. Augustine or Palatka for care, Medigap's flexibility is often a major advantage. William explains both.
Will William come to my home in Hastings?
Yes. William makes in-home visits throughout rural St. Johns County including Hastings and Elkton. You do not need to drive to St. Augustine for help.
Does William serve rural St. Johns County?
Yes. William serves all of St. Johns County including Hastings, Elkton, and other rural communities.
When is Medicare open enrollment?
The Annual Enrollment Period runs October 15 – December 7 each year. Changes take effect January 1. Your Initial Enrollment Period is the 7-month window around your 65th birthday.
I see specialists in St. Augustine and Palatka — does that affect my plan choice?
It matters a great deal for Medicare Advantage plans, which have provider networks. If your providers are split between St. Johns and Putnam counties, Medigap may give you more flexibility. William maps your providers against every available plan before recommending one.
How do I get started with William Gray in Hastings?
Call (386) 871-3858 or book a free appointment online. William will come to you, compare every plan in ZIP 32145, and help you enroll — at no cost.
Find the Right Medicare Plan in Hastings
Free consultation — no pressure, no obligation. William compares every plan available in your ZIP.
No cost · No obligation · Takes 15 minutes
FL License W690237 · Independent broker · No cost to you