Your Independent Medicare Broker
William Gray
Founder of The Medicare Dude · Licensed Since 1998 · Licensed in 12 States
"William was absolutely wonderful — very professional. Straightforward gave me a better Medicare policy than I have had for the last six years. Dropped my policy with a new company, same coverage, for quite a bit less!"
Edna Deri
Medicare client
Medicare Agent — St Augustine, FL
Independent Medicare broker William Gray helps Florida residents compare Medicare Advantage, Medicare Supplement, and Part D plans — at no cost to you.
FL License #W690237 · Agency License #L134055 · Independent — No Carrier Bias · Always Free to You
St. Augustine, FL — Independent Medicare Agent
Medicare Agent in St. Augustine, FL
St. Augustine is one of Florida's most historic cities — and one of its fastest-growing retirement destinations. St. Johns County consistently ranks among Florida's wealthiest and fastest-growing counties, bringing a highly competitive Medicare market. William Gray, The Medicare Dude, is an independent Medicare agent serving St. Augustine and all of St. Johns County. He represents multiple carriers and works for you, not for any insurance company.
What a St. Augustine Medicare Agent Does for You
An independent Medicare agent in St. Augustine works on your behalf — comparing plans from multiple carriers at no cost to you. Here are the seven core services William provides.
Carrier-neutral plan comparison
William represents multiple Medicare carriers active in St. Johns County — Humana, Aetna, UnitedHealthcare, Cigna, Mutual of Omaha, and more — so you see every available option side by side.
Medicare Supplement (Medigap) analysis
Plan G, Plan N, and High-Deductible Plan G are the most popular Medigap options in St. Augustine. William compares current premiums from every carrier writing business in your ZIP code — identical coverage, but premiums can vary by hundreds of dollars per year.
Medicare Advantage network verification
St. Augustine residents primarily access care through Flagler Health+ (now HCA Florida Flagler Hospital) and Baptist Health. William verifies that your current doctors and specialists are in-network for any Medicare Advantage plan before you enroll.
Part D prescription drug review
William runs a formulary check against your current medications to identify the Part D plan with the lowest total annual drug cost at your preferred St. Augustine pharmacy.
Enrollment assistance
William handles the paperwork and enrollment process for you — whether you're turning 65, leaving employer coverage, or switching plans during Annual Enrollment.
Annual plan review
Plans change every year. William proactively reviews your coverage each fall during Annual Enrollment (Oct 15 – Dec 7) to make sure your plan still fits your needs and budget.
Ongoing service and advocacy
After enrollment, William remains your point of contact for billing questions, claims issues, and coverage changes. You call William directly — not a call center.
Independent Medicare Agent — St. Augustine, FL
William Gray — The Medicare Dude
Serving St. Augustine and surrounding communities. Independent, educational Medicare guidance at no cost to you.
FL Insurance License #W690237
(386) 871-3858Why St. Augustine Medicare Is Different from Other Florida Markets
St. Augustine's rapid growth, St. Johns County's affluent retiree demographics, and its unique healthcare landscape create Medicare considerations specific to this market.
Rapidly growing retirement destination
St. Johns County is one of Florida's fastest-growing counties. More retirees means more Medicare carriers entering the market — and more complexity in choosing the right plan.
HCA Florida Flagler Hospital network
St. Augustine's primary hospital is HCA Florida Flagler Hospital. Medicare Advantage plans with narrow networks may limit specialist access. William verifies network coverage before you enroll.
Florida Medigap enrollment-rights knowledge
Florida Medicare Supplement policyholders may review other available plans, but changing coverage outside an applicable open-enrollment or guaranteed-issue period may require medical underwriting. A local independent agent can explain when guaranteed-issue rights may apply.
Affluent retiree demographics
St. Johns County has a high concentration of affluent retirees with specific coverage priorities. Medicare Supplement plans are particularly popular in this market for their predictable costs and nationwide coverage.
Snowbird and part-year residents
Some St. Augustine residents split time between Florida and other states. Medicare Supplement plans provide nationwide coverage — a key advantage over Medicare Advantage for part-year residents.
Access to Jacksonville health systems
Many St. Augustine residents use specialists in Jacksonville — Baptist Health, Mayo Clinic, and UF Health. Plan networks must cover providers in both St. Johns and Duval counties for full access to care.
Independent Agent vs. Insurance Company Rep
When you call an insurance company directly, you speak with a captive agent who can only sell that company's plans. An independent agent like William represents multiple carriers and works in your interest.
| Factor | Independent Agent | Insurance Company Rep |
|---|---|---|
| Carriers represented | Multiple — Humana, Aetna, UHC, Cigna, Mutual of Omaha, and more | One company only |
| Obligation | To you — the client | To the insurance company |
| Plan comparison | Side-by-side across all available plans | Only their own plan lineup |
| Cost to you | Free — agent is paid by the carrier you choose | Free — but limited options |
| Annual review | Proactive outreach every fall | Rarely — no incentive to switch you |
| Ongoing service | Direct access to William — same person every time | Call center rotation |
| Network verification | Checks your doctors and hospitals before enrollment | May not verify your specific providers |
Medicare Plan Types Available in St. Augustine
St. Augustine residents have access to all major Medicare plan types. Here's what's available and how each works.
Medicare Supplement (Medigap)
Works alongside Original Medicare to cover most out-of-pocket costs. Accepted by any provider nationwide who accepts Medicare — ideal for St. Augustine residents who travel or split time between states.
Learn moreMedicare Advantage (Part C)
All-in-one plans that replace Original Medicare. St. Augustine has HMO and PPO options from multiple carriers. Network verification against HCA Florida Flagler Hospital and your specialists is essential.
Learn moreMedicare Supplement Plan G
The most popular Medigap plan in St. Augustine. Covers virtually all Medicare cost-sharing after the Part B deductible. Premiums vary significantly by carrier for identical coverage.
Learn moreMedicare Supplement Plan N
Lower premium than Plan G with small copays for office visits and emergency room. A strong option for St. Augustine residents who are generally healthy.
Learn moreHigh-Deductible Plan G
The lowest-premium Medigap option. You pay a deductible (~$2,950 in 2026) before coverage kicks in. Best for healthy individuals who want catastrophic protection at minimal monthly cost.
Learn morePart D Prescription Drug Plans
Standalone drug coverage that pairs with Original Medicare and a Medigap plan. A formulary review against your current medications is essential before choosing a plan.
Learn moreCompare Medicare Plans Available in St. Augustine
Use the comparison tool below to see Medicare Supplement Plan G, Plan N, and High-Deductible Plan G rates from multiple carriers in your St. Augustine ZIP code. Rates shown are for comparison only — never choose based on price alone. Call William to review the full picture.
Plan availability and premiums vary by ZIP code. Carrier decisions on claims and coverage belong solely to the insurer. This tool is for informational comparison only.
Medicare Agent St. Augustine — FAQ
Is a Medicare agent in St. Augustine free to use?
Yes. William's services are completely free to you. He is compensated by the insurance carrier you choose to enroll with — the same commission regardless of which plan you pick.
Does William serve St. Augustine residents?
Yes. William serves St. Augustine and all of St. Johns County — including St. Augustine Beach, Ponte Vedra Beach, Nocatee, Fruit Cove, and surrounding communities. Consultations are available in person, by phone, or by video.
What's the difference between a Medicare agent and a Medicare broker in St. Augustine?
The terms are often used interchangeably. William is an independent agent — he represents multiple carriers and is not obligated to any single company.
Can a Medicare agent help with HCA Florida Flagler Hospital network questions?
Yes — William verifies that your current doctors at HCA Florida Flagler Hospital and Baptist Health are in-network for any Medicare Advantage plan before you enroll.
Does Florida have a Medicare Supplement birthday rule?
No. Florida does not currently provide an annual Medicare Supplement birthday-rule enrollment period. Florida residents may have guaranteed-issue rights during certain qualifying situations, including their initial Medigap open-enrollment period and specific federal guaranteed-issue events. Outside an applicable enrollment or guaranteed-issue period, changing Medicare Supplement coverage may require medical underwriting.
Does Florida have a Medicare Supplement birthday rule?
No. Florida does not currently provide an annual Medicare Supplement birthday-rule enrollment period. Florida residents may have guaranteed-issue rights during certain qualifying situations, including their initial Medigap open-enrollment period and specific federal guaranteed-issue events. Outside an applicable enrollment or guaranteed-issue period, changing Medicare Supplement coverage may require medical underwriting.
Does William help with Medicare Supplement plans in St. Augustine?
Yes. He compares premiums from every carrier writing Plan G, Plan N, and High-Deductible Plan G in your St. Augustine ZIP code — identical coverage, but premiums can vary by hundreds of dollars per year.
How does William get paid as a Medicare agent in St. Augustine?
William is paid a commission by the insurance carrier you enroll with. The commission is the same regardless of which plan you choose — so William has no financial incentive to recommend one plan over another.
I'm moving to St. Augustine from another state. Do I need to change my Medicare plan?
If you have Medicare Supplement (Medigap), your coverage follows you nationwide — no change needed. If you have Medicare Advantage, you will likely need to switch to a plan available in St. Johns County. William can walk you through the process and help you find the best plan for your new location.
Can a Medicare agent in St. Augustine help with Part D drug plans?
Yes. William runs a formulary check against your current medications to identify the Part D plan with the lowest total annual drug cost for your specific prescriptions at your preferred St. Augustine pharmacy.
More St. Augustine & Regional Medicare Resources
Ready to Talk to a St. Augustine Medicare Agent?
William Gray — The Medicare Dude — offers free, no-obligation Medicare consultations to St. Augustine residents. Phone, video, or in person. No pressure, no sales pitch — just clear answers.
Licensed Medicare Insurance Agent — FL License #W690237