Tampa Medicare help: turning 65, or reviewing your Advantage plan

Turning 65 in Tampa? Your 7-month window matters

When you turn 65, your Initial Enrollment Period runs 7 months: the 3 months before your birthday month, the birthday month, and the 3 months after. Enrolling inside that window keeps your coverage — and your doctors — uninterrupted.

• If you're on Social Security, you may be auto-enrolled in Part A and Part B.
• Still working, or covered by a spouse's employer plan? You may be able to delay Part B — but check the rules for that employer's size first.
• Miss the window and you can face a gap in coverage plus a lifelong late-enrollment penalty.

Once you have Parts A and B, you choose between Original Medicare (often with a supplement and a drug plan) or a Medicare Advantage plan that bundles everything together. We'll walk you through the difference in plain English.

Already on a Medicare Advantage plan in Tampa?

Hillsborough County has a crowded market, and plans adjust their networks, drug lists, and extra benefits every year. We'll look over your current Advantage plan at no cost and no obligation — checking whether your Tampa doctors and your prescriptions are still covered, and whether another plan fits you better.

You can switch during Medicare Open Enrollment (Oct 15 – Dec 7), or, if you're already in an Advantage plan, during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31).

Remember: we do not offer every plan available in your area. Any information we provide is limited to the plans we do offer there.

Local, and no pressure

Send the short form below and we'll reach out to talk through your options. No cost, no obligation, and no confusing fine print — just clear answers for Tampa-area seniors.