Tampa Bay Medicare Agent – Trusted Local Medicare Help
Personalized Medicare Guidance for Tampa Bay Seniors
Medicare Advantage • Medicare Supplement • Part D Drug Plans
- Free Medicare Consultation
- Compare Top Medicare Plans Available in Tampa Bay
- Local, Independent & Unbiased Advice
- Phone & Zoom Available
Schedule Your Free Consultation
New to Medicare in Tampa Bay? Already Enrolled? Turning 65? I'm Here to Help.
Whether you’re turning 65, working past 65 and transitioning off employer coverage, already on Medicare and considering a change, or under 65 on disability, you deserve clear guidance — not confusion.
And with the Annual Enrollment Period ending December 7th, now is the time to make sure you’re in the right plan for 2026.
I proudly help every type of Medicare consumer in the Tampa Bay area:
Turning 65
First-time enrollment, deadlines, penalties, and choosing the right plan
Still working past 65
Coordinating Medicare with employer insurance
Retiring after 65
Avoiding gaps and costly mistakes
Already on Medicare
Annual reviews, cost comparisons, network checks
Under 65 with disability
Specialized support and plan options
Caregivers & family members
Help understanding benefits and coverage changes
Turning 65
First-time enrollment, deadlines, penalties, and choosing the right plan
Still working past 65
Coordinating Medicare with employer insurance
Retiring after 65
Avoiding gaps and costly mistakes
Already on Medicare
Annual reviews, cost comparisons, network checks
Under 65 with disability
Specialized support and plan options
Caregivers & family members
Help understanding benefits and coverage changes
Why Tampa Bay Residents Choose Paul Barrett for Medicare
Unmatched Carrier Access
Unlike captive agents, I work with multiple Medicare Advantage and Medigap carriers to provide unbiased recommendations based on your healthcare needs.
Education-First Approach
No high-pressure sales tactics. I believe informed decisions are better decisions. You'll understand exactly what you're enrolling in and why it's the right choice for your health and budget.
Year-Round Support
My service doesn't end at enrollment. Need help with a claim? Questions about coverage? I'm here for you 365 days a year—not just during enrollment season.
Tampa Bay Expert
I serve clients throughout the greater Tampa Bay area, including Hillsborough, Pinellas, and Pasco counties. Phone and Zoom consultations available.
Medicare Advantage Plans in Tampa Bay , FL
Tampa Bay residents have access to dozens of Medicare Advantage plans from multiple carriers, depending on county and eligibility. These Part C plans combine your Medicare Part A (hospital) and Part B (medical) coverage, and most include prescription drug coverage (Part D) plus extra benefits like dental, vision, and hearing.
I Represent These Top Medicare Advantage Carriers in Tampa Bay :
Devoted Health
Local-focused Medicare Advantage plans with personalized senior care
Humana
Flexible Medicare Advantage plans with broad provider networks
CareFree
Affordable Medicare Advantage coverage with essential healthcare benefits
Simply
Simple Medicare Advantage plans with easy access care
Aetna
Trusted Medicare Advantage coverage with nationwide support
UnitedHealthcare
Extensive Medicare Advantage network with comprehensive member benefits
Florida Blue
Florida-based Medicare Advantage plans with strong local networks
HealthSpring
Preventive-focused Medicare Advantage plans with coordinated care
Wellcare
Value-driven Medicare Advantage plans with competitive benefits
Why So Many Plan Choices Matter
Not all Medicare Advantage plans are created equal. While some plans advertise low or $0 premiums, they may come with limited doctor networks, restricted hospital access, or higher out-of-pocket costs when you actually need care.
Other plans may have slightly higher monthly premiums but can save you thousands over time by offering broader provider networks, better hospital coverage, and more predictable costs.
During our personalized phone or Zoom consultation, here’s what I carefully review for you:
We make sure your preferred physicians are in-network so you can keep the care team you trust.
Including major facilities such as Tampa General Hospital, AdventHealth, BayCare hospitals, HCA Florida hospitals, and other local providers.
Copays, coinsurance, deductibles, and the plan’s maximum annual out-of-pocket limit.
We verify your medications to avoid unexpected pharmacy expenses.
Dental, vision, hearing, fitness memberships, over-the-counter allowances, transportation, and more.
We consider carrier reputation, stability, and how well they handle member support.
Overwhelmed by Choices?
I’ll compare available Medicare Advantage plans based on YOUR doctors, prescriptions, and budget—then present you with the top 2–3 options that make sense for your situation.
Medicare Supplement Plans in Tampa Bay, FL
Prefer the freedom to see ANY doctor or specialist who accepts Medicare—without networks or referrals? A Medicare Supplement plan might be your best choice. Florida offers 10 standardized Medigap plans, and I work with multiple carriers to find you the most competitive rates.
Tampa Bay Medigap Carriers I Represent:
Anthem Blue Cross
Continental Life
Humana
UnitedHealthcare (AARP)
Aflac
Blue Shield of Florida
Globe Life
Mutual of Omaha
Manhattan Life
American Retirement Life
Transamerica
Bankers Life
Multiple carriers = competitive rates and stable pricing over time
Tampa Bay's Unique Medigap Advantages
Understanding Medigap Pricing in Florida
- Attained-Age Rated (most common): Your premium is based on your current age and increases as you get older.
- Issue-Age Rated: Your premium is set by your age when you first buy the policy and doesn't increase due to aging.
- Community-Rated (least common): Everyone pays the same premium regardless of age.
Guaranteed Issue Rights
- Florida offers strong consumer protections. During your Initial Enrollment Period and certain special situations, you cannot be turned down for a Medigap plan due to pre-existing conditions.
Important: Regardless of rating method, premiums can still increase due to inflation and rising healthcare costs. This is why I help you find carriers with good rate stability.
Most Popular Medigap Plans for Tampa Bay Residents
Plan G
Comprehensive Coverage
After you meet your annual Part B deductible, Plan G covers nearly all Medicare-approved costs, offering predictable expenses and broad coverage.
Best for: Those who want predictable costs and maximum coverage.
High Deductible Plan G
Smart Savings
Provides the same comprehensive coverage as Plan G, but with lower monthly premiums. You pay a higher annual deductible before full coverage begins.
Best for: Healthy individuals who want protection against major medical expenses at a lower monthly cost.
Plan N
Balanced Option
Offers lower monthly premiums than Plan G with modest cost-sharing. A good middle-ground for those comfortable with some out-of-pocket expenses.
Best for: Those balancing premium savings with solid coverage.
Want to See Actual Rates?
I’ll show you side-by-side pricing from multiple carriers so you can make an informed decision. Most people are surprised by how affordable Medigap can be—
Medicare Part D Prescription Drug Plans in Tampa Bay
Tampa Bay residents have access to multiple standalone Medicare Part D prescription drug plans. If you have Original Medicare with a Medigap plan, you’ll need a separate Part D plan for prescription coverage.
Finding the Right Part D Plan
The “best” Part D plan isn’t the one with the lowest premium—it’s the one that covers YOUR specific medications at the lowest total annual cost. A plan with a $0 premium might cost you hundreds more in copays if your drugs are on higher tiers.
I'll Help You Compare:
- Which plans cover all your current prescriptions
- What tier your drugs fall into (generic vs. brand name)
- Total annual cost (premium + deductible + copays)
- Which pharmacies are preferred (CVS, Walgreens, Costco, local pharmacies)
- Whether you'll hit the coverage gap ("donut hole")
Important: Part D plans can change their formularies (drug lists) each year. It’s worth reviewing your plan annually to make sure you’re still getting the best value.
Bring me your prescription list and I’ll run a personalized analysis to find the Part D plan that saves you the most money.
Free Consultation
We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.
Understand Your Needs
I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.
Compare Your Options
I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.
Enroll with Confidence
Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.
Ongoing Support
Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.
How Working with Paul Barrett Works
Free Consultation
We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.
Understand Your Needs
I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.
Compare Your Options
I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.
Enroll with Confidence
Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.
Ongoing Support
Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.
All of This Costs You $0
All of This Costs You $0
You might be wondering, “How can this be free?” Simple—I’m compensated by the insurance carriers when you enroll, but you pay the exact same price whether you work with me or enroll directly.
The difference? With me, you get expert guidance, multiple carrier options, and ongoing support—at no additional cost.
Common Medicare Questions from Tampa Bay Residents
Get answers to the questions I hear most often from FL Medicare beneficiaries
There’s no one-size-fits-all answer. Medicare Advantage plans can offer extra benefits and lower or $0 premiums, while Medicare Supplement (Medigap) plans provide broader provider access and more predictable costs. I help you compare both options based on your doctors, prescriptions, and budget to determine what works best for you in the Tampa Bay area.
Plan availability can differ even within Tampa Bay because Medicare Advantage and Part D offerings depend on ZIP code, carrier participation, and local provider networks. That’s why I always evaluate options based on your exact address.
Network participation varies by plan. I’ll check whether your preferred doctors and hospitals in the Tampa Bay area are in-network before you enroll, so you don’t get unpleasant surprises later.
Yes. The shingles vaccine (Shingrix) is covered under Medicare Part D. Most Medicare Advantage plans with prescription coverage include it, though copay costs can vary by plan.
Medicare Part A is usually premium-free if you paid into Medicare taxes long enough. Part B has a standard monthly premium based on income. Costs can change yearly, and I’ll explain them clearly so you understand your total spending.
Yes. I work with Medicare beneficiaries throughout the greater Tampa Bay area — including Hillsborough, Pinellas, and Pasco counties. Phone and Zoom consultations are also available.
Often, yes. During the Annual Enrollment Period and certain other enrollment windows, you may be able to switch plans. I’ll review your situation and explain your options so you can switch confidently if needed.
Medicare Advantage networks vary by plan. In the Tampa Bay area, this can include hospitals such as Tampa General Hospital, AdventHealth Tampa, and BayCare facilities. I check hospital and provider networks for you before enrollment so you can choose a plan that supports your health care needs.
Important Deadlines
Turning 65?
You have 7 months to enroll (3 months before your birthday, your birthday month, and 3 months after)
Annual Enrollment Period
October 15 - December 7 for coverage starting January 1
Medicare Advantage OEP
January 1 - March 31 to switch Medicare Advantage plans
What Tampa Bay Clients Say
Real stories from real people who found the right Medicare coverage with Paul’s help.
“When my Medicare plan changed at the start of the year, I found out my primary doctor in Tampa was no longer in-network. I was stressed and worried about having to start over with new doctors. A neighbor recommended I call Paul Barrett, and I’m so glad I did.
Paul took the time to review my doctors, prescriptions, and budget, and explained my options in a way that actually made sense. He helped me switch to a plan that keeps my doctors and lowers my out-of-pocket costs without any pressure.
If you live in the Tampa Bay area and feel confused about Medicare choices, Paul is someone you can truly trust. He made the whole process easy and gave me peace of mind.”
— Linda R
Tampa Bay, FL
“Medicare Open Enrollment felt overwhelming with all the mailers and phone calls coming in. I wasn’t sure which plans worked best here in Tampa Bay or whether my specialists would still be covered.
Paul Barrett walked me through everything step by step, checked every one of my doctors, and compared my medications across multiple plans. He was patient, honest, and never rushed me.
Thanks to Paul, I ended up with a plan that fits my healthcare needs and my budget. If you’re in Tampa Bay and want clear guidance from someone who genuinely cares, I highly recommend reaching out to him.”
— James M.
Tampa Bay, FL
About Paul Barrett - Your Tampa Bay Medicare Expert
18+ Years
Experience
18+
Years Experience
5,000+
Clients Served
10+
MA Carriers
12+
Medigap Carriers
I’ve been helping people navigate Medicare since 2007—that’s 18 years of keeping up with constant changes, new plans, and evolving regulations. Over that time, I’ve personally assisted more than 5,000 Medicare beneficiaries find coverage that works for their health and budget.
What sets me apart? I don’t work for any single insurance company. I’m an independent broker representing 10+ Medicare Advantage carriers and 12+ Medigap carriers. This means I can give you truly unbiased advice. My loyalty is to you—not to hitting sales quotas for a corporate office.
I believe in education over sales pressure. My job isn’t to convince you to buy something you don’t need. My job is to help you understand your options so you can make an informed decision. Some clients work with me for 15 minutes and know exactly what they want. Others need multiple conversations to feel confident. Either way is fine—I’m here to serve you at your pace.
When you work with me, you’re not just getting an agent for enrollment season. I’m available year-round to help with claims issues, coverage questions, and annual reviews. Medicare can be confusing, and having someone in your corner makes all the difference.
— Paul Barrett
The Modern Medicare Agency
