Medicare agents in Monroe County, FL

Agents in Monroe County

Before you meet anyone, check their Florida license.

Medicare in Monroe County

People with Medicare

19,230

In Medicare Advantage or another Medicare health plan

24% (4,535)

With both Medicare and Medicaid*

11% (2,118)

Monroe County ranks 40th of Florida's 67 counties by number of people with Medicare. 24% are in Medicare Advantage or another Medicare health plan, compared with 57% across Florida. 11% also have Medicaid*, compared with 17% statewide.

Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. Monroe County has about 80,908 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.

2027 plans offered in Monroe County

Medicare Advantage with drug coverage

4 plans, 0 with a $0 plan premium

Medicare Advantage without drug coverage

3 plans

Special Needs Plans

1 plan: 1 for people with both Medicare and Medicaid. Only people who qualify can join.

Companies offering these plans

3

For comparison, the typical Florida county has 19 Medicare Advantage plans with drug coverage for 2027.

Standalone drug plans in Florida: 11 plans, with monthly premiums from $5.30.

Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.

Cities, towns and ZIP codes in Monroe County

Everything on this page applies across the whole county, including these places.

Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.

Free local help

SHINE (Serving Health Insurance Needs of Elders)

Florida's free, unbiased Medicare counseling program. 1-800-963-5337 · Website

The Florida Department of Financial Services

Licenses agents and takes complaints. 1-877-693-5236 · How to check a license

1-800-MEDICARE

1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.

Florida rules to know

Switching Medigap plans

Florida doesn't add a yearly Medigap switching right. Outside your 6-month Medigap Open Enrollment Period (which starts when you're 65 or older and have Part B) and certain federal protections, such as losing other coverage, insurers can usually ask health questions and turn you down. States with switching rights.

Medigap under 65

Required. Florida requires Medigap insurers to let Florida residents under 65 with Medicare due to disability or ESRD enroll in a Medigap policy without health screening during the 6 months starting the first month they are enrolled in Part B (and for 2 months after losing group health coverage); the law does not say which plans must be offered.

Agent licenses

Agents must be licensed for health insurance in Florida. Look one up.

Dates to know

October 15 to December 7

Open Enrollment: change Medicare Advantage or drug plans for the next year.

January 1 to March 31

Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.

Turning 65

A 7-month window around your birthday month. The checklist.

Moving to Monroe County from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.

Common questions

Nearby

• Collier County
• Miami-Dade County
• All Florida counties

Keep reading

• How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
• Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
• Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.