Medicare Plans St. Augustine
St. Augustine and St. Johns County residents have access to a wide range of Medicare plans for 2026. William Gray compares every Medicare Advantage, Medigap, and Part D option available in your ZIP code — verifying your doctors are in-network and your medications are covered. Free service.
Medicare Plan Options in St. Augustine
Medicare beneficiaries in St. Augustine have three main coverage paths: Medicare Advantage (Part C), Medicare Supplement (Medigap), and standalone Part D drug plans paired with Original Medicare. Each path has distinct tradeoffs in terms of cost, flexibility, and coverage depth.
Medicare Advantage plans in St. Augustine typically offer $0 or low monthly premiums and include extra benefits like dental, vision, hearing, and gym memberships. The tradeoff is network restrictions — you generally need to use in-network providers like Flagler Hospital and UF Health St. Johns — and prior authorization requirements for specialist visits and procedures.
Medicare Supplement (Medigap) plans work alongside Original Medicare to cover most out-of-pocket costs. Plan G is the most comprehensive option available to new Medicare enrollees in St. Augustine, covering everything except the Part B deductible. Medigap plans have no network restrictions — you can see any doctor nationwide who accepts Medicare.
William compares all available plans in your St. Augustine ZIP code and recommends the best fit based on your specific doctors, medications, health needs, and budget. The right plan for your neighbor may not be the right plan for you.
Frequently Asked Questions
What Medicare plans are available in St. Augustine?
St. Augustine and St. Johns County residents have access to three main types of Medicare coverage: Medicare Advantage (Part C), Medicare Supplement (Medigap), and standalone Medicare Part D drug plans. Within Medicare Advantage, you can choose HMO or PPO plans from carriers including Humana, Aetna, UnitedHealthcare, Florida Blue, and others. William compares all plans available in your specific St. Augustine ZIP code.
What is the difference between Medicare Advantage and Medigap in St. Augustine?
Medicare Advantage 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 authorization. For St. Augustine residents who travel frequently or use Flagler Hospital and UF Health St. Johns regularly, William explains which option fits your lifestyle best.
How do I compare Medicare plans in St. Augustine?
The best way to compare Medicare plans in St. Augustine is to work with an independent broker like William who can pull up every plan available in your ZIP code and compare them side-by-side based on your specific doctors, medications, and budget. Medicare's Plan Finder tool at medicare.gov is also helpful, but William can interpret the results and flag important details like prior authorization requirements and network tier differences.
When can I enroll in a Medicare plan in St. Augustine?
The main enrollment windows are: Initial Enrollment Period (3 months before to 3 months after your 65th birthday), Annual Enrollment Period (October 15 – December 7), and Medicare Advantage Open Enrollment (January 1 – March 31). Special Enrollment Periods are available if you lose employer coverage, move, or experience other qualifying life events. William helps St. Augustine residents navigate all enrollment windows.
Compare Medicare Plans in St. Augustine
William compares every Medicare plan available in your St. Augustine ZIP code. Free, independent service — no obligation.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.