Medicare Agent
St. Johns County, FL
Independent broker William Gray compares every Medicare Advantage, Medigap, and Part D plan available across all of St. Johns County — St. Augustine, Ponte Vedra Beach, Nocatee, and beyond. Free service, no pressure.
Independent Medicare Broker — St. Johns County
Why St. Johns County Seniors Work With William
St. Johns County is one of the fastest-growing counties in the United States — and one of the most desirable retirement destinations in Florida. From the historic streets of St. Augustine to the planned communities of Nocatee and the coastal estates of Ponte Vedra Beach, the county spans a wide range of communities with very different Medicare needs. William Gray serves all of them.
The county's hospital landscape is anchored by two systems: Flagler Hospital in St. Augustine — the primary community hospital for most county residents — and UF Health St. Johns on US-1 south, which has expanded rapidly and now handles a growing share of specialist and surgical care. Ponte Vedra Beach and Nocatee residents also have access to Mayo Clinic Jacksonville and Baptist Medical Center South in Duval County. William verifies your specific hospitals and specialists are in-network at the right cost-sharing tier before recommending any plan.
St. Johns County also attracts a large number of retirees relocating from out of state — particularly from the Northeast and Midwest. If you're moving here from another state, your current Medicare Advantage plan almost certainly will not cover you in St. Johns County. 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 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 across St. Johns County.
St. Johns County Communities Served
Click your city for local plan details, ZIP-specific coverage, and nearby hospital networks.
Why St. Johns County Seniors Choose William
Truly Independent
William represents 60+ carriers — not just one company. He recommends what is genuinely best for your situation.
Deep Local Knowledge
William knows the St. Johns County hospital networks, the doctors St. Augustine and Ponte Vedra seniors trust, and which plans perform best locally.
Year-Round Support
William reviews your plan every fall, answers questions year-round, and handles any coverage issues that arise.
All Plan Types
Medicare Advantage, Medigap Plan G, Medigap Plan N, Part D drug plans — William compares every type so you can make a fully informed decision.
Doctor & Drug Verification
Before recommending any plan, William verifies your specific doctors and prescriptions are covered. No surprises after you enroll.
In-Person or Remote
Meet William at your home, a local coffee shop, by phone, or via video call — whatever is most convenient for you.
Medicare Services in St. Johns County
Major Hospitals in St. Johns County
William verifies your preferred hospital is in-network before recommending any Medicare plan.
Flagler Hospital
St. Augustine
Baptist Medical Center South
Jacksonville
Mayo Clinic Jacksonville
Jacksonville
Orange Park Medical Center
Orange Park
What Florida Seniors Say
"William saved me over $200/month and still covers my Baptist Health doctors. He knew exactly which plans work in Jacksonville."
Robert M.
"Prompt professional service on both occasions. This guy is on it. Very pleased with my experience with Mr. Gray."
Stephen Foster
"He made the entire process easy and stress-free. His honesty, patience, and willingness to go above and beyond truly set him apart."
Kris Tomarelli
"If you have a Medicare need, call the MEDICARE DUDE!! Honest, forthcoming, and not in it for himself — but in it to help others."
Jim McNerlin
Local Care Facilities & Services
St. Johns County 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. Johns County 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.orgFrequently Asked Questions — St. Johns County Medicare
What Medicare plans are available in St. Johns County, FL?
St. Johns County seniors have access to 30+ Medicare Advantage plans, 15+ Medigap carriers, and dozens of Part D drug plans for 2026. The exact plans available depend on your specific ZIP code. William compares every option in your ZIP before making any recommendation.
How do I find an independent Medicare broker in St. Augustine?
William Gray is an independent Medicare broker serving all of St. Johns County. Unlike captive agents who represent only one carrier, William works with 60+ insurance companies and recommends what is best for you. Call (386) 871-3858 or book a free appointment online.
Is Medicare help in St. Johns County really 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 enroll through William or directly with the insurance company.
What is the best Medicare Advantage plan in Ponte Vedra Beach or Nocatee?
The best plan depends on your doctors, medications, and budget. In St. Johns County, top carriers include Humana, UnitedHealthcare, Aetna, and Florida Blue. William verifies your specific doctors and prescriptions are covered before recommending any plan.
Does Flagler Hospital accept Medicare Advantage plans?
Flagler Hospital in St. Augustine participates in most major Medicare Advantage networks, but participation varies by plan. William verifies Flagler Hospital is in-network for any plan he recommends to St. Augustine-area seniors.
When can I change my Medicare plan in St. Johns County?
The Annual Enrollment Period runs October 15 through December 7 each year. There is also an Open Enrollment Period for Medicare Advantage from January 1 through March 31. William reviews your plan every fall and contacts you proactively if a better option is available.
Find the Medicare Plan Designed for You in St. Johns County?
Free consultation — no pressure, no obligation. William serves all of St. Augustine, Ponte Vedra Beach, Nocatee, and beyond.
FL License W690237 • Independent broker • No cost to you