Medicare and Medigap help in Sarasota, Florida

Sarasota County has one of the oldest median ages in Florida, and many residents are already on Medicare and reviewing whether their current coverage still fits. Seasonal residents also weigh travel coverage. We help Sarasota-area residents with annual reviews and Medigap questions by phone or video.

Reviewing a long-held Medigap policy

If you have had the same Medigap policy for years, comparing rates can be useful, but switching outside a guaranteed-issue situation may require health questions. Do not cancel your old policy until a new one is approved.

Sarasota and Manatee

Many residents live in one county and see doctors in the other. Confirm network coverage in both before choosing an Advantage plan.

Medicare Supplement (Medigap) in Sarasota

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 Sarasota County

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

  • Should I cancel my Medigap before applying for a new one? No. Keep your current policy until the new one is approved and in effect, to avoid a gap in coverage.
  • Does RGI Group have an office in Sarasota? No. Our only office is in Austin, Texas. Sarasota 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.