Medicare Agent in
St. Augustine Beach, FL
Independent broker William Gray compares every Medicare plan available in St. Augustine Beach and St. Johns County — at no cost to you.
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25+
MA Plans Available
ZIP 32080
10+
Years Serving
St. Johns County
$0
Broker Fee
Always Free
5★
Client Reviews
Google Verified
Independent Medicare Broker Near Me
St. Augustine Beach's Independent Medicare Broker — Anastasia Island, Unbiased Advice
St. Augustine Beach sits on Anastasia Island — connected to the oldest city in America by the Bridge of Lions, but with its own laid-back beach town identity. Retirees here chose the island for the ocean, the sunsets, and the proximity to St. Augustine's world-class medical community. Medicare should be the last thing making island life complicated.
William Gray is an independent broker with no carrier allegiance. He compares every plan available in ZIP 32080 — Humana, Florida Blue, UnitedHealthcare, Aetna, Cigna, and others — and his focus is finding the plan that keeps Flagler Hospital and Flagler Health+ primary care in-network while keeping your prescriptions affordable.
His service is free. Carriers pay a standard commission at enrollment — the same rate regardless of which plan you choose — so William's advice is genuinely unbiased.
William Gray
Independent Medicare Broker
FL License #W690237 · 29+ Years
Schedule a Free Medicare Review
Medicare Services in St. Augustine Beach
How William Helps St. Augustine Beach Seniors
Medicare Help Near Me
Serving St. Augustine Beach ZIP Codes & Nearby Areas
William serves St. Augustine Beach and all of 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 St. Augustine Beach 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, 10 min from St. Augustine Beach
UF Health St. Johns
200 Sea Grove Main St, St. Johns, FL 32259
Additional hospital in northern St. Johns County
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 St. Augustine Beach
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 Beach 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 Beach
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 Beach 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 Beach
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 Beach — but network status changes annually.
Flagler Hospital — St. Augustine
Acute Care / Specialists400 Health Park Blvd, St. Augustine, FL 32086
Primary hospital serving St. Augustine Beach and Anastasia Island. Accepts Original Medicare and most Advantage plans.
Verify providerFlagler Health+ Primary Care — St. Augustine Beach
Primary Care350 A1A Beach Blvd, St. Augustine Beach, FL 32080
Flagler Health+ primary care on Anastasia Island. Accepts Original Medicare; verify Advantage plan network.
Verify providerBaptist Primary Care — St. Augustine
Primary Care / Internal Medicine2 Shircliff Way, St. Augustine, FL 32086
Baptist Health primary care serving St. Johns County. Accepts Original Medicare and most Advantage plans.
Verify providerSt. Augustine Orthopedics
Orthopedic Surgery1 Shircliff Way Ste 300, St. Augustine, FL 32086
Orthopedic specialists serving Anastasia Island and St. Johns County. Verify Advantage plan network before scheduling.
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 Beach Communities
Anastasia Island
The barrier island that defines St. Augustine Beach — oceanfront on the east, Matanzas River on the west, and the Bridge of Lions connecting it to historic St. Augustine
St. Augustine Beach Town Center
Walkable beach town core on A1A with restaurants, shops, and the St. Johns County Ocean & Fishing Pier
Crescent Beach
Quieter residential area on the southern end of Anastasia Island, popular with retirees seeking less foot traffic
Ocean Grove
Established neighborhood near the beach with a mix of long-time residents and newer retirees
St. Augustine Beach is on Anastasia Island, connected to St. Augustine by the Bridge of Lions — where Flagler Hospital is located, about 10 minutes away. Crescent Beach is 5 miles south on A1A. Palm Coast is 20 miles south. William serves all of Anastasia Island and St. Johns County.
Local Senior Resources
Senior Resources in St. Augustine Beach & St. Johns County
Helpful contacts for Medicare, aging services, and senior support in 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
St. Augustine Beach 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 Beach 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.orgSt. Augustine Beach Medicare Guides
Free Medicare Resources for St. Augustine Beach 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.
St. Augustine Beach 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
"William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums."
Debra Abbott
Florida
"William is a gem — he helped my dad and is scheduled to help my mother-in-law next week. He helped my dad get the best medical plan and best Rx coverage. My father was singing William's praises. We are so grateful for him."
Vanessa Frie
Florida
FAQ
Frequently Asked Questions — St. Augustine Beach Medicare
Is there a Medicare agent near St. Augustine Beach, FL?
Yes — William Gray is an independent Medicare broker serving St. Augustine Beach and all of St. Johns County. He offers in-home, phone, and video consultations at no cost. Call (386) 871-3858.
What Medicare plans are available in St. Augustine Beach, FL 32080?
St. Augustine Beach ZIP 32080 has access to 25+ 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 St. Augustine Beach 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.
Does Flagler Hospital accept Medicare Advantage?
Flagler Hospital accepts many Medicare Advantage plans, but not all. William verifies your specific plan's network status — including Flagler Health+ primary care on Anastasia Island — before making any recommendation.
What is the difference between Medicare Advantage and Medigap in St. Augustine Beach?
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. William walks you through both options.
I moved to St. Augustine Beach from another state — do I need to change my Medicare plan?
Moving to Florida triggers a Special Enrollment Period that lets you switch plans outside of open enrollment. William evaluates your current plan against everything available in ZIP 32080 and handles the switch.
Does William serve Crescent Beach and Anastasia Island too?
Yes. William serves all of Anastasia Island including St. Augustine Beach, Crescent Beach, and the surrounding St. Johns County 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.
Can I keep my St. Augustine Beach doctors if I switch Medicare plans?
It depends on the plan's network. William checks your specific doctors — including any Flagler Health+ providers on the island — against every available plan before recommending one.
How do I get started with William Gray in St. Augustine Beach?
Call (386) 871-3858 or book a free appointment online. William will compare every plan in ZIP 32080 and help you enroll — at no cost to you.
Find the Right Medicare Plan in St. Augustine Beach
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