Medicare and Medigap help in Orlando, Florida

Central Florida has a large Puerto Rican community, and people who move from Puerto Rico often need to sign up for Part B themselves, because Part B enrollment is not automatic there. Orange, Osceola and Seminole counties can also have different plan options. We help Orlando-area residents in Spanish or English by phone or video.

Moving from Puerto Rico

People living in Puerto Rico are not automatically enrolled in Part B. If you moved to Florida without Part B, ask how to enroll and whether a penalty or Special Enrollment Period applies.

Orange, Osceola and Seminole

Kissimmee and Sanford sit in different counties from Orlando. Your county determines plan availability, so confirm it before comparing.

Medicare Supplement (Medigap) in Orlando

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 Orange County

Medicare Advantage and Part D plans are offered by county service area, so options in Orlando 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 Orlando address in Orange 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

  • I moved from Puerto Rico and don't have Part B. What now? You may be able to enroll during the General Enrollment Period or a Special Enrollment Period. Social Security handles Part B enrollment; we can explain the steps.
  • Does RGI Group have an office in Orlando? No. Our only office is in Austin, Texas. Orlando 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.