Medicare Agent in
St. Augustine, FL
Independent broker William Gray compares every Medicare Advantage, Medigap, and Part D plan in St. Augustine — verifying Flagler Hospital and UF Health St. Johns are in-network. Free service, no pressure.
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St. Augustine Residents
Residents Age 65+
Medicare Advantage Plans Available
Free — No Fees Ever
Independent Medicare Broker Near Me
St. Augustine's Independent Medicare Broker
St. Augustine is America's oldest city and one of Florida's most sought-after retirement destinations — a historic, walkable community with world-class healthcare access, a thriving arts scene, and some of the most beautiful neighborhoods in Northeast Florida. About 24% of St. Augustine residents are 65 or older, and the city's Medicare market spans four ZIP codes: 32080 (St. Augustine Beach), 32084 (downtown and north), 32086 (south St. Augustine), and 32092 (St. Johns County west). William Gray serves all of them.
St. Johns County has two major hospital anchors for St. Augustine residents. Flagler Hospital on Flagler Hospital Boulevard is the primary community hospital — a full-service facility with strong cardiac, orthopedic, and emergency services that participates in most major Medicare Advantage networks in the area. UF Health St. Johns, the newer facility on US-1 south, has expanded rapidly and now handles a growing share of specialist and surgical care. William verifies both hospitals are in-network at the right cost-sharing tier before recommending any plan.
St. Augustine also has a large and growing population of new retirees relocating from out of state — particularly from the Northeast and Midwest. If you're moving to St. Augustine from another state, your current Medicare Advantage plan almost certainly will not cover you here. You have a limited Special Enrollment Period window to switch plans after your move date. William helps relocating seniors plan ahead, avoid coverage gaps, and select the right plan for St. Johns County before they arrive.
His service is completely free. Carriers pay a standard commission at enrollment — the same rate regardless of which plan you choose — so William has no financial reason to steer you anywhere. He has helped over 1,000 Florida seniors since 2010, including hundreds in St. Johns County.
William Gray
Independent Medicare Broker
FL License #W690237 · 29+ Years
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Medicare Services in St. Augustine
How William Helps St. Augustine Seniors
Medicare Help Near Me
Serving St. Augustine ZIP Codes & Nearby Areas
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 St. Augustine 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
St. Augustine's flagship hospital — full-service regional medical center
UF Health St. Johns
200 Sea Grove Main St, St. Johns, FL 32259
~20 minutes south — UF Health system campus serving south St. Johns County
Mayo Clinic Florida
4500 San Pablo Rd S, Jacksonville, FL 32224
~45 minutes north — world-class specialty and complex care destination
Plan Comparison
Medicare Advantage vs. Medigap in
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 St. Augustine 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 St. Augustine
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 St. Augustine and recommends the best fit for your doctors, medications, and budget. Call for a free comparison →
Local Medicare Providers
Medicare-Accepting Doctors & Specialists in St. Augustine
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 St. Augustine — but network status changes annually.
Flagler Hospital
Acute Care / Cardiac / Orthopedics400 Health Park Blvd, St. Augustine, FL 32086
Primary hospital for St. Augustine. Accepts Original Medicare and most Advantage plans — verify cost tier.
Verify providerUF Health St. Johns
Acute Care / Outpatient Surgery200 Sea Grove Main St, St. Johns, FL 32259
UF Health system campus. Accepts Original Medicare; verify Advantage plan network separately from Flagler Hospital.
Verify providerSt. Augustine Medical Associates
Primary Care / Internal Medicine1 Shircliff Way, St. Augustine, FL 32086
Primary care group serving St. Augustine. Verify Advantage plan network before scheduling.
Verify providerMayo Clinic Florida
Tertiary / Multi-Specialty4500 San Pablo Rd S, Jacksonville, FL 32224
World-class specialty care ~45 min north. Most HMO plans do NOT cover Mayo — Medigap strongly recommended if Mayo access matters.
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 St. Augustine Communities
Historic Downtown / Old City
ZIP 32084The heart of St. Augustine — mix of year-round residents and seasonal visitors. Many seniors here have doctors in both St. Augustine and Jacksonville, making network breadth especially important.
Anastasia Island / St. Augustine Beach
ZIP 32080Barrier island community east of the Bridge of Lions. High retiree concentration; snowbirds here should strongly consider Medigap over HMO plans to maintain coverage when traveling.
South St. Augustine / US-1 Corridor
ZIP 32086Southern St. Augustine including Flagler Hospital area. Most major medical offices and specialist practices are clustered along this corridor.
World Golf Village / SR-16 West
ZIP 32092Fast-growing master-planned communities west of I-95. Residents often use both Flagler Hospital and UF Health St. Johns — William verifies both are in-network for any plan he recommends here.
Local Senior Resources
SHINE Program — St. Johns County
Free, unbiased Medicare counseling through Florida's Serving Health Insurance Needs of Elders program. SHINE counselors are available at the St. Johns County Senior Services Center and local libraries.
St. Johns County Council on Aging
Local senior services including transportation, meals, and benefits assistance for St. Augustine and all of St. Johns County. Operates senior centers and community programs throughout the county.
ElderSource — Area Agency on Aging
Northeast Florida's Area Agency on Aging serving St. Johns County. Connects St. Augustine seniors to home care, caregiver support, Medicaid assistance, and Medicare counseling programs.
Medicare Extra Help (Low Income Subsidy)
St. Augustine seniors with limited income may qualify for Extra Help to significantly reduce Part D drug costs — sometimes to $0. William helps you determine eligibility and navigate the application process.
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
St. Augustine 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 St. Augustine 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 unit 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 facility in St. Augustine. Offers 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 facility 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 serving northern St. Johns County and Ponte Vedra. Short-term rehab and long-term skilled nursing with consistently high CMS ratings.
vicarslanding.orgSt. Augustine Medicare Guides
Free Medicare Resources for St. Augustine 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. Augustine Medicare by the Numbers
Client Reviews
What Florida Seniors Say About William
"William drove out to meet me in St. Augustine and spent two hours going through every option. He found a plan that covers my Flagler Hospital doctors and saved me over $120 a month. I couldn't ask for better service."
Patricia Hennessey
St. Augustine, FL
"I was nervous about switching from my employer plan to Medicare. William walked me through every step, explained the deadlines, and made sure I didn't miss anything. He's the real deal."
Robert Canfield
St. Johns County, FL
"Mr. Gray was very helpful and made the transition to Medicare very easy. He walked me through every step and made sure I understood my options. Much appreciated!"
Kathleen McLoughlin
St. Augustine, FL
FAQ
Frequently Asked Questions — St. Augustine Medicare
What Medicare Advantage plans are available in St. Augustine, FL?
St. Augustine seniors in ZIP codes 32080, 32084, 32086, and 32092 have access to 25+ Medicare Advantage plans for 2026. Top carriers include Humana, UnitedHealthcare, Aetna, Florida Blue, and Devoted Health. Plan availability varies by ZIP code — William always compares using your specific address.
Does Flagler Hospital accept Medicare Advantage plans?
Flagler Hospital participates in most major Medicare Advantage networks in St. Johns County, but participation and cost-sharing tiers vary by plan. As the primary hospital for St. Augustine, William always verifies Flagler Hospital is in-network at the right cost tier before recommending any plan.
Can I access Mayo Clinic with a Medicare Advantage plan in St. Augustine?
Most Medicare Advantage HMO plans do not include Mayo Clinic Florida in their network. If Mayo Clinic access is important to you — for specialist consultations or complex diagnoses — William strongly recommends a Medigap plan alongside Original Medicare, which Mayo Clinic accepts.
What is the best Medicare plan in St. Augustine for 2026?
The best plan depends on your doctors, medications, and budget. William compares every plan available in your St. Augustine ZIP code and verifies your specific doctors and prescriptions are covered before recommending any plan. There is no one-size-fits-all answer — that's why an independent broker matters.
Is Medicare help in St. Augustine free?
Yes — completely free. Independent brokers like William are compensated by the insurance carriers when you enroll. You pay the exact same premium whether you use William or go directly to the insurance company. There is no markup, no fee, and no obligation.
Can I get Medicare help in St. Augustine in person?
Yes. William meets with St. Augustine seniors in person, by phone, or by video — whatever is most convenient for you. Call (386) 871-3858 or book a free appointment online.
I'm retiring to St. Augustine — what do I need to know about Medicare?
Moving to Florida from another state triggers a Special Enrollment Period. Your current Medicare Advantage plan almost certainly will not cover you in St. Johns County. You have a limited window to switch plans — call William before your move date to plan ahead and avoid a coverage gap.
What is the difference between Medigap and Medicare Advantage in St. Augustine?
Medicare Advantage (Part C) replaces Original Medicare with a private plan — often $0 premium but with network restrictions and prior authorization requirements. Medigap works alongside Original Medicare to cover most out-of-pocket costs — higher monthly premium but no network restrictions and no prior auth. William explains both options and recommends the right fit for your specific situation.
Can St. Augustine veterans use Medicare alongside VA benefits?
Yes — many St. Augustine veterans use both VA healthcare and Medicare. VA benefits and Medicare work independently; having Medicare does not affect your VA eligibility. William helps veterans understand how the two programs coordinate and whether a Medicare Advantage or Medigap plan makes sense alongside VA coverage.
What is a Dual Special Needs Plan (D-SNP) and do I qualify in St. Augustine?
A D-SNP is a Medicare Advantage plan designed for seniors who qualify for both Medicare and Medicaid. D-SNPs offer extra benefits and often $0 premiums. William identifies whether you qualify for a D-SNP in St. Johns County and compares every available option in St. Augustine.
Find the Right Medicare Plan in St. Augustine
Free consultation — no pressure, no obligation. William compares every plan available in your ZIP.
Schedule a Free Medicare Review
FL License W690237 · Independent broker · No cost to you