Florida Medicare & Health Insurance
Serving St. Augustine, Palm Coast, Fleming Island—and all of Florida.
Whether you're preparing to retire, comparing Medicare Advantage plans, or trying to find the right dental or cancer coverage, you're in the right place.
BCI Insured is based right here in
St. Augustine, Florida, and we’re proud to help individuals and families across the state explore Medicare, health, life, and supplemental insurance—with no fees, no quotas, and no pressure.
Who We Help in Florida
We assist clients across the state with:
Turning 65 and new to Medicare
Seniors 75+ reevaluating their coverage
Retirees under 65 looking for gap coverage
Individuals and families who lost coverage or need ACA plans
Anyone with questions about dental, vision, cancer, or disability insurance
Whether you live in a major city or a smaller coastal town, we offer full support—by phone, online, or in person.
Florida Regions We Frequently Serve
- St. Augustine
- Palm Coast
- Fleming Island
- Jacksonville, Daytona Beach, Gainesville, Ocala, and beyond
We work with clients throughout Florida’s Atlantic coast, central counties, and retirement communities—plus we’re licensed in 10 other states, so we can assist clients with out-of-state moves or snowbird arrangements.
What We Offer Floridians
We’ll help you compare and enroll in:
- Medicare Advantage & Supplement Plans
- Part D Prescription Drug Coverage
- Dental, Vision & Hearing Plans
- Cancer & Critical Illness Coverage
- Disability Insurance
- Final Expense & Life Insurance
- ACA Marketplace Plans for pre-retirees or families
- Short-Term Health Insurance when in transition
We represent 26+ carriers and work hard to find the right match for each individual—not what’s best for us.
Enrollment Periods & Timing in Florida
We guide you through the most common types of life insurance and help you understand how they work:
Medicare Initial Enrollment
Starts 3 months before your 65th birthday
Annual Enrollment (AEP)
October 15 to December 7
Open Enrollment for ACA Plans
November 1 to January 15
Special Enrollment Periods
Available if you move, retire, lose coverage, or qualify for Medicaid
Not sure what applies to you? We’ll help you figure it out.
FAQs for Florida Residents
Can I get help even if I’m outside St. Augustine?
Absolutely. We work with clients all over Florida by phone and online. You’ll always talk to a real advisor—never a call center.
Does Florida offer Medicare Advantage plans?
Yes. In fact, many counties offer dozens of plan options. We’ll help you compare based on what matters to you—your doctors, medications, and preferences.
What if I split time between Florida and another state?
We can help you find coverage that works for your snowbird lifestyle. And because we’re licensed in 11 states, we can assist with transitions or dual residences.
Can I switch Medicare plans in Florida?
Yes—during Annual Enrollment, or if you qualify for a Special Enrollment Period. We’ll guide you step-by-step.
Your Florida-Based Medicare & Health Insurance Advisor
BCI Insured is local, experienced, and fully independent. That means
we work for you—not the insurance companies. Whether you’re new to Medicare or just want a second opinion, we’re here to help.
Have a question?