Medicare in Broward County
We’re an independent Medicare agency based in Lauderdale Lakes, and we help people across Broward County compare Medicare Advantage, Medicare Supplement and Part D plans by phone, by video, or at home. Broward is one of Florida’s most Advantage-heavy counties: nearly two out of three people with Medicare here use an Advantage plan. That makes the details matter.
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Still working at 65?
Broward County
People eligible for Medicare
382,284
Enrolled in Medicare Advantage
247,340 (64.7%)
Not in Medicare Advantage
about 134,900
Advantage plans offered (2026)
85
Average Advantage premium (2026)
$21.14 a month
Average in-network out-of-pocket max (2026)
$3,724
Plan G, age 65 (2026 estimate)
$195 – $255 a month
Advantage plans for 2027
{{2027 BROWARD MA COUNT}}
Sources: CMS Medicare Advantage State/County Penetration, September 2026; MedicareAdvantage.com (2026 plans); South Florida Medicare Supplement 2026 guide. “Not in Advantage” includes people with employer or retiree coverage.
What that means for you
With this many Advantage plans on offer, the choice comes down to details: which network your doctors are in, which hospital you’d use, what your prescriptions cost in each plan, and how high the out-of-pocket maximum goes. Two plans with a $0 premium can differ by thousands of dollars in a year with a hospital stay.
Broward’s popularity for Advantage doesn’t mean it’s right for everyone. If you travel, want any-doctor freedom, or have specialists outside the big networks, a Medicare Supplement may fit better, and it’s easiest to buy in your first six months on Part B.
We compare both, side by side, for your situation, from more than 20 insurance companies.
Medicare Advantage in Broward
Broward has one of the widest selections of Advantage plans in Florida: HMOs, PPOs, HMO-POS plans, and Special Needs Plans for people with both Medicare and Medicaid (D-SNPs) or chronic conditions such as diabetes and heart failure (C-SNPs). Plans come from companies such as Humana, UnitedHealthcare, Aetna, Devoted Health, Florida Blue, Wellcare, Simply, Freedom Health and HealthSpring.
Many Broward plans have $0 premiums and include dental, vision, hearing and allowance cards. The trade-offs are networks, prior authorization and copays up to the plan’s yearly maximum. How Medicare Advantage works.
Medicare Supplement in Broward
About 135,000 people eligible for Medicare in Broward aren’t in an Advantage plan; many of them use Original Medicare with a Supplement. Published 2026 estimates for a 65-year-old woman who doesn’t use tobacco put Broward Plan G at about $195–$255 a month and Plan N at $160–$220, well below Miami-Dade.
In Florida, Supplements must be priced on your age when you buy, so buying at 65 locks in a lower starting rate. Medicare Supplement plans and prices.
Hospitals and health systems we check in Broward
Before you choose a plan with a network, we confirm that the hospitals you’d use are in it for 2027. Broward residents most often ask us about:
Health system
Hospitals
Broward Health
Broward Health Medical Center (Fort Lauderdale), Broward Health North (Deerfield Beach), Broward Health Imperial Point, Broward Health Coral Springs
Memorial Healthcare System
Memorial Regional Hospital (Hollywood), Memorial Hospital West (Pembroke Pines), Memorial Hospital Miramar, Memorial Hospital Pembroke
Holy Cross Health
Holy Cross Hospital (Fort Lauderdale)
Cleveland Clinic
Cleveland Clinic Florida (Weston)
HCA Florida
Last chance before late penalties can apply, unless you qualify to delay
Hospital names are listed so we can check networks for you. They don’t endorse us, and network participation changes each year.
Part D and pharmacies in Broward
Whether you choose a Supplement with a stand-alone Part D plan or an Advantage plan with drug coverage, your pharmacy matters. Publix, CVS, Walgreens, Walmart and neighborhood pharmacies can each be “preferred” in one plan and not another. For 2027, Part D out-of-pocket drug costs are capped at $2,400. How Part D works.
Where we help in Broward
By phone anywhere in the county, and at home by appointment in Lauderdale Lakes, Lauderhill, North Lauderdale, Tamarac, Sunrise, Plantation, Fort Lauderdale, Wilton Manors, Oakland Park, Lauderdale-by-the-Sea, Lighthouse Point, Pompano Beach, Deerfield Beach, Coconut Creek, Margate, Coral Springs, Parkland, Weston, Davie, Cooper City, Southwest Ranches, Hollywood, Dania Beach, Hallandale Beach, Pembroke Pines and Miramar.
Haitian families in Broward
Broward is home to one of the largest Haitian communities in the United States, with many families in Lauderdale Lakes, Lauderhill, North Lauderdale, Pompano Beach and Miramar. Our founder, Luckny Dubreus, is Haitian and has spent years helping Haitian families understand their insurance. We explain Medicare in Haitian Creole, and adult children are always welcome on the call.
Nou pale Kreyòl. Rele nou pou nou eksplike w Medicare, konpare plan yo, epi ede w enskri, san ou pa peye anyen.
Free local Medicare help in Broward
SHINE (Serving Health Insurance Needs of Elders) offers free, unbiased Medicare counseling by trained volunteers through the Aging & Disability Resource Center of Broward County, 5300 Hiatus Road, Sunrise. ADRC Helpline: 954-745-9779.
Source: ADRC of Broward County. SHINE doesn’t enroll you in plans; a licensed agent like us can compare plans and handle enrollment.
Medicare and Medicaid in Broward
Many Broward residents qualify for help with Medicare costs. If you have both Medicare and Florida Medicaid, you may be able to join a Dual Special Needs Plan (D-SNP) that coordinates both and often costs $0. If you don’t have full Medicaid, a Medicare Savings Program can still pay your Part B premium: in 2026 the monthly income limits for a single person are $1,350 (QMB), $1,616 (SLMB) and $1,816 (QI), with a $9,950 resource limit.
Florida Medicaid and Medicare Savings Programs are applied for through the Florida Department of Children and Families (ACCESS Florida). People who qualify also get Extra Help with prescriptions. We check this with you before recommending any plan. Limits: Medicare.gov.
Turning 65 in Broward
Your 7-month enrollment window starts 3 months before your birthday month. If you’re not already getting Social Security, you apply for Parts A and B through Social Security online, by phone, or at a Broward Social Security office. Then you choose between a Supplement with Part D and an Advantage plan.
The first six months on Part B are your one guaranteed chance to buy any Medicare Supplement without health questions, so compare before you choose. See the full turning-65 timeline.
Moving to Broward?
Advantage and Part D plans are based on your county. When you move here from another county or state, you get a special enrollment period to pick a plan where you now live. If you keep a home up north, ask us how each plan covers you there.
Common Medicare mistakes we see in Broward
Choosing from a TV ad or a cold call.
South Florida gets more Medicare advertising than almost
anywhere. The plan in the ad may not include your doctors.
Checking the doctor but not the hospital.
Your doctor may admit patients to one hospital
system while your plan only covers another.
Copying a neighbor's plan.
Their drugs, doctors and health aren’t yours.
Missing help you qualify for.
Many people who could get a Medicare Savings Program, Extra
Help or a D-SNP never apply.
Keeping an HMO while spending summers up north.
Most HMOs only cover emergencies
outside the area.
Skipping the Annual Notice of Change.
Broward plans change every year, even when you don’t.
2027 Annual Enrollment in Broward
Annual Enrollment runs October 15 to December 7, 2026, for coverage starting January 1, 2027. If you’re already in a plan, read the Annual Notice of Change your plan mailed in September: premiums, copays, drug lists and networks can all change.
Advantage plans for 2027 in Broward:
{{2027 BROWARD
MA COUNT}}
$0-premium plans:
{{BROWARD $0 COUNT}}
Plans leaving or ending:
{{BROWARD EXITS}}
answers questions at 1-800-963-5337.
If your plan is ending, you’ll get a special enrollment period, and you may also have a guaranteed right to buy a Medicare Supplement.
Does Medicare affect your Social Security?
1
We meet by phone, video, or at your kitchen table.
2
We list your doctors, hospital, prescriptions and pharmacy.
3
We compare Advantage plans and a Supplement option side by side, with total yearly costs.
4
You decide, and we handle enrollment. Every fall, we review your plan again.
Broward Medicare questions
How many people in Broward County have Medicare Advantage?
247,340 people, or 64.7% of the 382,284 Broward residents eligible for Medicare, as of September 2026.
Can you meet me at home in Broward?
Yes. We meet clients at home by appointment across Broward County, or help by phone or video if you prefer.
Why do so many people in Broward choose Medicare Advantage?
Broward has many $0-premium Advantage plans with extra benefits. They can work well if your doctors and hospital are in the network, so we check that before you choose.
How much does a Medicare Supplement cost in Broward?
Published 2026 estimates put Plan G at about $195–$255 a month and Plan N at $160–$220 for a 65-year-old woman who doesn’t use tobacco. Your price depends on age, sex, tobacco use and the company.
Where can I get free Medicare counseling in Broward?
SHINE, through the Aging & Disability Resource Center of Broward County in Sunrise, offers free counseling. Call 954-745-9779.
What's the difference between SHINE and a licensed agent?
SHINE volunteers give free, unbiased counseling but don’t enroll you in plans. A licensed independent agent like us also costs you nothing, compares plans from many companies, handles your enrollment and stays with you for yearly reviews and claims help.
When can Broward residents change plans for 2027?
During Annual Enrollment, October 15 to December 7, 2026. Changes take effect January 1, 2027.
Is Cleveland Clinic Florida in network with Medicare Advantage plans?
It depends on the plan and the year. Networks change every January, so we check Cleveland Clinic Florida, Memorial, Broward Health and HCA Florida hospitals for each plan you’re considering.
Are there Medicare plans in Broward for people with Medicaid?
Yes. Several companies offer Dual Special Needs Plans in Broward for people with both Medicare and Medicaid, often with a $0 premium and extra benefits.
Do you help in Haitian Creole?
Yes. We help Broward families in both English and Haitian Creole.
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