Medicare and Medigap help in Miami, Florida

Miami-Dade has a large Spanish-speaking Medicare population, and many residents prefer to review plans, letters and enrollment materials in Spanish. Advantage options and networks vary between neighborhoods like Hialeah, Kendall and Miami Beach. We help Miami residents compare Medicare and Medigap options by phone or video, in Spanish or English.

Help in Spanish from start to finish

Understanding a plan's Evidence of Coverage, network and drug list is easier in your preferred language. Ask whether plan materials and member services are available in Spanish before you enroll.

Dual eligibility in Miami-Dade

Many Miami households have both Medicare and Medicaid. If you do, compare plans built for dual-eligible members against your current doctors before you change.

Medicare Supplement (Medigap) in Miami

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 Miami-Dade County

Medicare Advantage and Part D plans are offered by county service area, so options in Miami 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 Miami address in Miami-Dade 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

  • Can I do my whole Medicare consultation in Spanish? Yes. Consultations with RGI Group are available entirely in Spanish by phone or video.
  • Does RGI Group have an office in Miami? No. Our only office is in Austin, Texas. Miami 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.