Medicare help · Tampa Bay
Tampa’s care runs through Tampa General, AdventHealth, BayCare’s St. Joseph’s and Moffitt, each contracting on its own terms, with MacDill Air Force Base and the Haley VA on top.
No cost, no obligation, no pressure.
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Tampa
Hillsborough County offers a deep Advantage menu, every Medigap carrier in Florida and the full Part D lineup. Tampa General, AdventHealth Tampa, BayCare St. Joseph’s and HCA Brandon each contract separately, and Moffitt contracts selectively; UnitedHealthcare reduced its plans here for 2026.
MacDill retirees with TRICARE For Life and veterans using the Haley VA have their own calculation; see our MacDill page.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
South Tampa, Westchase, Carrollwood, New Tampa, Brandon, Riverview, Wesley Chapel, Lutz, Plant City, Temple Terrace.
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
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 worksMedigap pairs with Original Medicare and works with any provider nationwide — Mayo Jacksonville, Moffitt, Cleveland Clinic, or your doctor back in Ohio.
How Medigap worksStandalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksAdvantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Florida Medicaid.
About SNPsQuestions from Tampa
Hillsborough County typically offers a deep 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.
Moffitt accepts Original Medicare and any Medigap policy, and contracts with some Advantage plans and not others. We confirm before you enroll.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Nearby
Ready when you are
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.