Medicare and Medigap help in Tampa, Florida

Tampa's military retiree community, linked to MacDill Air Force Base, means many people turning 65 must coordinate Medicare with TRICARE For Life or VA care. Hillsborough residents also often see doctors in Pinellas or Pasco counties. We help Tampa residents compare their options by phone or video, in English or Spanish.

TRICARE For Life and Part B

Military retirees entitled to Part A generally must enroll in Part B to keep TRICARE For Life. Confirm before declining Part B or switching to an Advantage plan.

Tampa Bay county lines

Hillsborough, Pinellas and Pasco can have different plan options. Your residential county decides which Advantage and Part D plans you can join.

Medicare Supplement (Medigap) in Tampa

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 Hillsborough County

Medicare Advantage and Part D plans are offered by county service area, so options in Tampa 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 Tampa address in Hillsborough 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 veterans use both VA care and Medicare? Yes. VA health care and Medicare are separate, and many veterans keep both so they can see non-VA providers.
  • Does RGI Group have an office in Tampa? No. Our only office is in Austin, Texas. Tampa 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.