Medicare and Medigap help in Jacksonville, Florida

Jacksonville is Florida's largest city by area and home to major Navy installations, so military retirees and their spouses are a big part of its Medicare community. Residents of Clay, St. Johns and Nassau counties may see different plan options. We help Jacksonville residents compare choices by phone or video.

Military spouses turning 65

Each spouse enrolls in Medicare individually. If one spouse uses TRICARE For Life, the other still needs to review their own Part B timing and coverage.

A large city with long drives

Because Jacksonville covers so much area, check how far in-network providers are from home before choosing an Advantage plan.

Medicare Supplement (Medigap) in Jacksonville

In Florida, your six-month Medigap Open Enrollment Period starts when you are 65 and enrolled in Part B. Medigap works nationwide with Original Medicare, which matters for seasonal residents.

Medicare Advantage and Part D in Duval County

Medicare Advantage and Part D plans are offered by county service area, so options in Jacksonville can differ from neighboring counties. The 2027 Annual Enrollment Period runs October 15 through December 7, 2026; your Initial Enrollment Period around age 65 is separate.

Help with costs

If your income and resources are limited, Florida Medicaid, Medicare Savings Programs or Extra Help with Part D may apply. Eligibility is decided by the state or Social Security, not by an agent.

Questions to ask before you choose

  • Is my Jacksonville address in Duval County for plan purposes?
  • Are my doctors and pharmacy in the plan's network?
  • Does Medigap with Part D or a Medicare Advantage plan fit me better?
  • Do I qualify for any program that lowers my costs?

Frequently asked questions

  • Do spouses have to choose the same Medicare plan? No. Each person chooses their own Medicare coverage, and the best fit for one spouse may not suit the other.
  • Does RGI Group have an office in Jacksonville? No. Our only office is in Austin, Texas. Jacksonville residents are served by phone or video by an agent licensed in Florida.

Important notice

  • Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
  • 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, 1-800-MEDICARE, or your local State Health Insurance Program (Florida SHINE) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
  • RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in Florida. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.