Medicare Agent in
Palm Coast, FL
Independent broker William Gray compares every Medicare plan available in Flagler County — verifying your doctors, medications, and budget. Free service. No pressure. Local office in Palm Coast.
Independent Medicare Broker Near Me
Why Palm Coast Seniors Choose an Independent Broker
When you call a carrier's 800 number, you only hear about that one carrier's plans. When you call William, you get a comparison of every plan available in your Palm Coast ZIP code — from all 28 carriers he represents.
William is a licensed independent Medicare broker serving Palm Coast, Flagler Beach, Bunnell, Ormond Beach, and all of Flagler County. He has a satellite office right in Palm Coast at 4869 Palm Coast Pkwy NW, 1st Floor.
His service is completely free. Insurance carriers compensate him when you enroll — you pay the exact same premium whether you go through William or call the carrier directly.
William Gray
Independent Medicare Broker
FL License #W690237 · 29+ Years
Schedule a Free Medicare Review
Medicare Services in Palm Coast
How William Helps Palm Coast Seniors
Medicare Help Near Me
Serving Palm Coast ZIP Codes & Nearby Areas
William serves all Palm Coast ZIP codes and surrounding Flagler County communities. Medicare plan availability varies by ZIP — William compares every plan available in your specific ZIP code.
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 Palm Coast 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.
AdventHealth Palm Coast
60 Memorial Medical Pkwy, Palm Coast, FL 32164
Primary full-service hospital for Palm Coast — in-network for most major Medicare Advantage plans in ZIP 32137 and 32164.
Flagler Hospital (St. Augustine)
400 Health Park Blvd, St. Augustine, FL 32086
St. Johns County's main hospital — frequently used by Palm Coast residents in the southern part of Flagler County.
Halifax Medical Center (Daytona Beach)
303 N Clyde Morris Blvd, Daytona Beach, FL 32114
Level II Trauma Center — about 30 minutes south of Palm Coast. Important for complex care and specialist referrals.
Important: Medicare Advantage network coverage varies by plan and ZIP code. William checks your specific doctors and hospitals against every plan before making a recommendation — never assume your hospital is covered.
Neighborhoods & Communities
Medicare Help Across All Palm Coast Communities
Palm Coast is one of Florida's fastest-growing cities — and its neighborhoods each have different Medicare plan options. William serves every community in Flagler County, from Grand Haven to Seminole Woods.
Grand Haven
ZIP 32137Gated golf community off US-1. Most residents are in ZIP 32137 — William compares all 26+ plans available in that ZIP.
Seminole Woods
ZIP 32164Large residential area in east Palm Coast. ZIP 32164 has its own plan lineup — some plans differ from 32137.
Palm Harbor
ZIP 32137Established neighborhood near the Intracoastal. Close to AdventHealth Palm Coast and major specialist offices.
Cypress Knoll
ZIP 32164Family-friendly area near Cypress Knoll Golf Club. William verifies in-network providers for every plan before recommending.
Matanzas Woods
ZIP 32137Northwest Palm Coast community. Convenient access to Palm Coast Pkwy medical corridor and William's satellite office.
Belle Terre
ZIP 32137Central Palm Coast near Town Center. Walking distance to several primary care and specialist offices that accept Medicare.
Also serving nearby communities: Flagler Beach, Bunnell, Ormond Beach, St. Augustine, and all of Flagler County.
Local Senior Resources
Palm Coast & Flagler County Resources for Medicare Beneficiaries
These local organizations can help Palm Coast seniors with Medicare questions, benefits counseling, and community support — all free of charge.
Flagler County Senior Services
1769 E Moody Blvd, Bunnell, FL 32110
County-run senior services department offering transportation, meals, and benefits assistance for Flagler County residents.
flaglercounty.govPalm Coast Community Center
305 Palm Coast Pkwy NE, Palm Coast, FL 32137
City-operated community center with senior programs, fitness classes, and social activities for adults 55+.
palmcoastgov.comSHINE Program (Serving Health Insurance Needs of Elders)
Flagler County — free counseling by appointment
Florida's free, unbiased Medicare counseling program. SHINE counselors are trained volunteers who help with Medicare questions — no sales, no pressure.
floridashine.orgSocial Security Administration — Palm Coast
Nearest office: 1000 City Center Blvd, Daytona Beach, FL 32117
For Medicare Part A & B enrollment, Social Security benefits, and SSA-44 income-related premium appeals. Call 1-800-772-1213.
ssa.gov/locatorFlagler County Public Library
2500 Palm Coast Pkwy NW, Palm Coast, FL 32137
Hosts Medicare information events and provides computer access for Medicare.gov plan comparisons. Free for all Flagler County residents.
flaglerlibrary.orgElder Care of Alachua County — Area Agency on Aging
Serves Flagler County seniors
Area Agency on Aging serving NE Florida. Connects seniors with local services, caregiver support, and long-term care planning resources.
eldercare.acgov.usWilliam 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. Many Palm Coast seniors use both: learn how free Medicare help works in Florida.
Local Care Facilities & Services
Palm Coast 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 Palm Coast and Flagler County. William can review your plan's coverage for any of these providers before you need care.
Palm Coast Rehabilitation and Nursing Center
Medicare & Medicaid certified
The primary skilled nursing and short-term rehabilitation facility in Palm Coast. Offers physical, occupational, and speech therapy. Accepts Medicare, Medicaid, and most Medicare Advantage plans.
palmcoastrehab.comFlagler Hospital Transitional Care Unit
Medicare certified
Hospital-based skilled nursing unit at Flagler Hospital in St. Augustine — the closest major hospital to Palm Coast. For Palm Coast patients discharged from Flagler Hospital needing continued skilled care.
flaglerhospital.orgAdventHealth Transitional Care — Daytona Beach
Medicare certified
For Palm Coast patients discharged from AdventHealth Daytona Beach needing continued skilled nursing or rehabilitation. Part of the AdventHealth system.
adventhealth.comBunnell Health and Rehabilitation Center
Medicare & Medicaid certified
Skilled nursing facility in Bunnell serving all of Flagler County. Short-term rehabilitation and long-term care. Accepts Medicare, Medicaid, and most Medicare Advantage plans.
Medicare Care Compare profileLocal Medicare Providers
Medicare-Accepting Doctors & Specialists in Palm Coast
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 Palm Coast — but network status changes annually.
AdventHealth Medical Group — Primary Care Palm Coast
Primary Care145 Cypress Point Pkwy, Palm Coast, FL 32164
Part of the AdventHealth system. Accepts Original Medicare and most Medicare Advantage plans — network status varies by plan.
Verify providerFlagler Health+ Primary Care
Primary CarePalm Coast, FL 32137
Flagler Health+ operates multiple primary care locations in Palm Coast. Affiliated with Flagler Hospital in St. Augustine.
Verify providerFlorida Cancer Specialists — Palm Coast
Oncology55 Kingswood Dr, Palm Coast, FL 32137
One of the largest oncology practices in Florida. Medicare coverage for chemotherapy and infusion services varies by plan — William checks this before recommending any plan.
Verify providerCoastal Orthopedics & Sports Medicine
OrthopedicsPalm Coast, FL 32137
Orthopedic care for joint replacement, spine, and sports injuries. In-network status for Medicare Advantage plans varies — always verify before enrolling.
Verify providerPalm Coast Cardiology
CardiologyPalm Coast, FL 32137
Cardiac care is one of the most important in-network checks for Medicare Advantage. William verifies your cardiologist is covered before recommending any plan.
Verify providerMedicare Care Compare — Find Any Doctor
All Specialtiesmedicare.gov — official CMS provider directory
Use Medicare's official tool to verify any doctor accepts Medicare assignment in Palm Coast before enrolling in a plan.
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 FreePalm Coast Medicare Guides
Free Medicare Resources for Palm Coast Seniors
In-depth guides written specifically for Palm Coast and Flagler County Medicare beneficiaries — covering plan comparisons, enrollment deadlines, and common mistakes.
Serving All of Northeast Florida
Medicare Help Across NE Florida
William serves seniors across the entire NE Florida region — from Flagler County to Duval County. 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 Flagler County Medicare hub or Volusia County Medicare hub.
Palm Coast Medicare by the Numbers
2026 Medicare Landscape in Flagler County
Palm Coast is one of Florida's fastest-growing retirement destinations — and that growth means more Medicare plan competition, which is good for beneficiaries.
26+
Medicare Advantage plans in ZIP 32137
For 2026 enrollment
$0
Lowest MA premium available
Several $0-premium options
28
Carriers William represents
Full market comparison
5.0★
Google rating
47+ verified reviews
Why Palm Coast Has So Many Plan Options
Palm Coast's senior population has grown significantly over the past decade, attracting major Medicare Advantage carriers to compete aggressively for Flagler County enrollees.
That competition means lower premiums, richer benefits, and more $0-premium options than many comparable Florida markets. But more options also means more complexity — which is exactly why an independent broker who knows the local market is valuable.
William has worked the Flagler County Medicare market for years and knows which carriers consistently perform well for Palm Coast seniors — and which ones have network gaps that affect local providers.
Retiring to Palm Coast? Medicare Timing Matters
Palm Coast is one of Florida's top retirement destinations — affordable, coastal, and close to both Jacksonville and Daytona Beach. But relocating to Florida triggers specific Medicare rules.
If you're moving from another state, your current Medicare Advantage plan almost certainly won't cover you in Palm Coast. You have a Special Enrollment Period (SEP) to switch — but it has a deadline.
If you're turning 65 and moving to Palm Coast, your Initial Enrollment Period timing determines which plans you can access. Call William before your move date to plan ahead.
Top Rated Medicare Agent Near Me
What Palm Coast Seniors Say
"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
"All the various enrollments and plans were overwhelming to me. Will listened patiently to my concerns and specific needs. He has many years of experience in the Medicare enrollment system. I am very pleased with his advice for my Medicare Enrollment and Plans for my healthcare future."
Debra Noel
Florida
"William offered an alternative solution called HDG coverage which resulted in cutting the premium that I expected to pay by nearly 60%. It is very obvious that William knows what he's doing and has the ability to identify your issue and provide alternative solutions."
Richard Henrichon
Florida
Medicare Agent Palm Coast FAQ
How do I find a Medicare agent near me in Palm Coast, FL?
William Gray is an independent Medicare broker with a satellite office in Palm Coast at 4869 Palm Coast Pkwy NW. He serves all of Flagler County — including Palm Coast, Flagler Beach, Bunnell, and surrounding areas. Call (386) 871-3858 or schedule a free appointment online.
Is a Medicare broker in Palm Coast really free?
Yes — completely free. Independent brokers are compensated by the insurance carriers when you enroll. You pay the exact same premium whether you go through William or call the carrier directly. Learn more about free Medicare help in Florida.
What Medicare plans are available in Palm Coast, FL 32137?
ZIP 32137 has access to 26+ Medicare Advantage plans and a full range of Medigap plans for 2026. Carriers include Humana, Florida Blue, UnitedHealthcare, Aetna, Cigna, WellCare, and Devoted Health. ZIP 32164 (Seminole Woods) has its own plan lineup — availability varies.
Does AdventHealth Palm Coast accept Medicare?
Yes — AdventHealth Palm Coast (60 Memorial Medical Pkwy, ZIP 32164) accepts Original Medicare. However, not all Medicare Advantage plans include AdventHealth in their network. William verifies your hospital and doctors are in-network before recommending any plan.
Can William help me during Annual Enrollment in Palm Coast?
Absolutely. Annual Enrollment (AEP) runs October 15 through December 7. William proactively reviews every client's plan each fall and alerts them if a better option is available. He handles all enrollment paperwork at no cost. See Medicare enrollment deadlines and periods.
Does William serve Flagler Beach, Bunnell, and Ormond Beach?
Yes — William serves all of Flagler County and surrounding areas including Flagler Beach (32136), Bunnell (32110), Ormond Beach (32174), and Ormond-by-the-Sea (32176). He also serves St. Augustine and Jacksonville.
I'm moving to Palm Coast from another state — do I need to change my Medicare plan?
Moving to Florida triggers a Special Enrollment Period (SEP) that lets you switch plans outside of Annual Enrollment. If you had a Medicare Advantage plan in another state, it likely won't cover you in Palm Coast. William specializes in helping people moving to Florida navigate Medicare — call him as soon as you know your move date.
Palm Coast Medicare Resources
Local Articles for Flagler County Retirees
Ready to Talk to a Medicare Agent in Palm Coast?
Free consultation. No pressure. William compares every plan in Flagler County and finds the right fit for your doctors, medications, and budget.
FL License #W690237 · Palm Coast, FL 32137 · Not affiliated with Medicare or any government agency
More Palm Coast Medicare Resources
Medicare agent, broker, and Medigap specialist pages for Palm Coast seniors
Medicare Supplement & Medigap in Palm Coast
Turning 65 & Medicare Enrollment in Palm Coast