Turning 65 is a major milestone, and for many Tampa Bay area residents, it means becoming eligible for Medicare. This federal health insurance program can seem overwhelming at first, with various parts, enrollment periods, and choices to make.
Whether you’re in Tampa, St. Petersburg, Clearwater, Spring Hill, or anywhere in between, understanding your options is crucial to getting the coverage that fits your needs and budget.
As a local expert at MyPhss, we’re here to simplify the process. We will walk you through eligibility, Medicare parts, costs, and local resources, all updated for 2026.
Don’t overwhelm yourself trying to learn everything about Medicare. That is our job! You can schedule a time with your local agent, who will help you understand everything and guide you through all your options.
Yes, you are generally eligible for Medicare when you turn 65 if you are a U.S. citizen or permanent resident who has lived in the country for at least 5 years
Medicare is a federal health insurance program in the U.S. for people aged 65 or older, younger people with disabilities, and those with end-stage renal disease.
It consists of four parts: Part A (hospital), Part B (medical), Part C (Advantage), and Part D (prescription drugs).
Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay $0 for Part A because they paid Medicare taxes while working.
Part B (Medical Insurance): Covers doctor services, outpatient care, medical supplies, and preventive services. Part B requires a monthly premium, which is $202.90 for most in 2026.
Part C (Medicare Advantage): Sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. They usually bundle Parts A, B, and D. Some also offer additional benefits, such as vision, hearing, and dental care.
Medicare Part D is optional, private insurance that covers outpatient prescription drugs for people with Medicare, helping to lower costs for generic and brand-name medications.
A Medicare Supplement plan (or Medigap) is private insurance designed to pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
You sign up for Medicare during a 7-month Initial Enrollment Period (IEP) around your 65th birthday: it starts three months before, the month of, and three months after your birthday. If you receive Social Security, you are automatically enrolled.
Over 14 years of experience in the Tampa Bay area market speaks for itself. I will be your local agent, you can call to get the answers you need.
You can schedule an In-Person appointment right now using the calendar below. Your local agent will come to you; you don’t have to leave your house.
If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
Spring Hill, FL
“I am so glad I found Daniel. He came by and helped me sign up for my new prescription plan. A very nice gentleman indeed.”
Clearwater, FL
“We needed a new supplement plan. Our current one keeps going up in price. Daniel found us both a new plan. We are happy with our appointment and how it went.”
Tampa, FL
Such a kind man, I would recommend Daniel to anyone. He took his time, and I did not feel rushed at all. My new plan is much more flexible with my doctors. Thank you again
The “Medicare & You 2026” handbook is the official guide outlining 2026 coverage for people 65+ or with disabilities
Whether you’re new to Medicare or considering switching your plan, or you are looking for a fair and competitive quote for a Final Expense / Burial plan, we’re here to help you every step of the way.
Call/Text your local agent “Daniel” at (813) 539-0071 📧 Email us at support@myphss.com
Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
We are a locally owned family insurance agency that has been serving our community since 2012. As independent brokers, we don’t work for just one company. We shop around to find the most affordable plans in Florida based on your needs.
We proudly serve the entire Tampa Bay region, including:
Counties We Serve:
Pasco, Hernando, Hillsborough, Pinellas, Polk, Manatee, Sumter, Sarasota & Citrus
Popular Cities:
Tampa, St. Petersburg, Clearwater, Lakeland, Spring Hill, Brooksville, Dade City, Plant City, Inverness, and more
Whether you want to meet in person, over the phone, or online, MyPHSS is here to help you.
