Care close to home
Major care in the area includes:
- NCH Healthcare System
- Physicians Regional Healthcare System
- Lee Health (Fort Myers)
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Medicare help · Southwest Florida
Medicare help in Naples, Florida
Naples and Marco Island have NCH and Physicians Regional, a wealthy retiree population with high IRMAA exposure, and a county UnitedHealthcare pulled plans from for 2026.
No cost, no obligation, no pressure.
Request your free Medicare review
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Naples
What to know before you compare plans in Collier County
Collier County offers a moderate Advantage menu, every Medigap carrier in Florida and the full Part D lineup. NCH Healthcare System and Physicians Regional contract with different carriers, and many Naples households split the year with the Northeast or Midwest, which favors a Medigap policy.
We compare what is sold at your ZIP code with your calendar and your tax return in view.
Communities we serve
Naples, Marco Island, Bonita Springs, Golden Gate, Ave Maria, Immokalee, Everglades City.
When you can enroll
Turning 65? Your Initial Enrollment Period is the 7 months around your birthday. Already on Medicare? The Annual Election Period is Oct 15–Dec 7, and Medicare Advantage Open Enrollment runs Jan 1–Mar 31. Moving to Florida, losing a plan, or a hurricane disaster declaration each open a Special Enrollment Period.
Your options
Which kind of plan fits you in Naples?
Medicare Advantage
All-in-one Part C plans, often $0 premium, that use a county network — the dominant choice in Florida, and the one that changed most for 2026.
How Advantage worksMedicare Supplement
Medigap pairs with Original Medicare and works with any provider nationwide — Mayo Jacksonville, Moffitt, Cleveland Clinic, or your doctor back in Ohio.
How Medigap worksPart D drug plans
Standalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksSpecial Needs Plans
Advantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Florida Medicaid.
About SNPsQuestions from Naples
Frequently asked questions
Which Medicare plans are available in Naples?
Collier County typically offers a moderate Medicare Advantage menu, every Medigap carrier in Florida, and the full Part D lineup. Availability is set by county and changes each plan year. For 2026 UnitedHealthcare reduced its plans here.
Is NCH in my plan’s network?
Each system contracts with some Medicare Advantage plans and not others, and the lists change every October. With Original Medicare and a Medigap policy there is no network to check. We confirm your doctors before you enroll.
How much does your help cost?
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Ready when you are
Let’s find your Naples Medicare plan together.
A short, friendly conversation — no pressure, no cost.
Written by Darin Weidauer — Gerontologist (USC Leonard Davis School of Gerontology), MBA, Registered Social Security Analyst, 22-year U.S. Air Force veteran and founder of ECOS Medicare Solutions — and reviewed by Ronilin Weidauer, licensed insurance agent in Florida (NPN 19427652, FL License #W690636).Last reviewed September 4, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov, 1-800-MEDICARE, or Florida SHINE at 1-800-963-5337.