Medicare and Medigap help in The Villages, Florida

The Villages is a large retirement community that spans Sumter, Lake and Marion counties, so two neighbors on different sides of a county line can see different Medicare Advantage and Part D options. Confirming your county is the first step. We help residents of The Villages compare choices by phone or video.

Three counties, different plan lists

Your residential address decides your county and therefore your plan service area. Check the county on your property records or tax bill before comparing plans with friends.

Snowbird schedules

Many residents spend summers up north. Think about how each option covers routine care away from Florida, not just emergencies.

Medicare Supplement (Medigap) in The Villages

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 Sumter County, Lake County, Marion County

Medicare Advantage and Part D plans are offered by county service area, so options in The Villages 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 The Villages address in Sumter County, Lake County, Marion 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

  • Why do my neighbors have different plan options? The Villages spans three counties, and Medicare Advantage and Part D plans are offered by county service area.
  • Does RGI Group have an office in The Villages? No. Our only office is in Austin, Texas. The Villages 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.