Medicare, what to do? - ABCD Health Plans

By Bill Wilkie, Licensed Medicare Advisor | ABCD Health Plans | Port St. Lucie, FL

Did you know that nearly 11,000 Americans turn 65 every single day — and a surprising number of them miss their Medicare enrollment window simply because no one explained the rules? If you’re turning 65 in Port St. Lucie, Stuart, Jensen Beach, Fort Pierce, Palm City, Hobe Sound, Vero Beach, Sebastian, Tradition, Melbourne, Cocoa, West Palm Beach, or anywhere else on the Treasure Coast, you may be feeling overwhelmed right now. You have questions. You’re not sure which plan is right for you. And you definitely don’t want to make a costly mistake that follows you for life.

We understand how stressful this feels — especially when you’re being bombarded by mail from insurance companies you’ve never heard of. That’s exactly why we created this simple 2026 guide for turning 65 in Port St. Lucie and the surrounding Treasure Coast communities. By the time you finish reading, you’ll know exactly when to enroll, what your options are, how to avoid costly penalties, and how to connect with a local licensed Medicare advisor who can walk you through every step at absolutely no cost to you.

KEY TAKEAWAYS

✅ You have a 7-month Initial Enrollment Period starting 3 months before your 65th birthday — missing it triggers lifetime penalties that follow you forever. Source: medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start

✅ When turning 65 in Port St. Lucie you have two main paths: Medicare Advantage (Part C) and Medicare Supplement (Medigap) — the right choice depends on your doctors, prescriptions, and budget. Source: medicare.gov/health-drug-plans/health-plans

✅ The standard Medicare Part B premium in 2026 is $202.90 per month and the annual Part B deductible is $283.00 — confirmed by CMS. Source: cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles

✅ The Medicare Part A hospital deductible in 2026 is $1,736 per benefit period — confirmed by CMS. Source: cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles

✅ Treasure Coast residents across St. Lucie, Martin, Indian River, Brevard, and Palm Beach counties have access to strong Medicare Advantage networks including Humana, Aetna, United Healthcare, and Devoted Health.

✅ A local licensed Medicare advisor like Bill Wilkie at ABCD Health Plans compares every plan in your zip code at absolutely no cost to you — you never pay a fee.

✅ Free no-cost Medicare education seminars are available throughout the Treasure Coast — call 844-900-1468 to reserve your spot.

TABLE OF CONTENTS

What Is Medicare and Why Does It Matter When You Turn 65?
Your 7-Month Enrollment Window — Don’t Miss It
2026 Medicare Costs — Verified Numbers
What Are Your Medicare Options on the Treasure Coast?
How to Choose the Right Medicare Plan in Port St. Lucie
Every County and Zip Code We Serve
Step-by-Step: How to Enroll in Medicare at 65
Common Mistakes People Make When Turning 65
Low Income? Florida Programs That Can Help
Free Medicare Seminars on the Treasure Coast
Why Work With a Local Medicare Advisor?
Frequently Asked Questions

WHAT IS MEDICARE AND WHY DOES IT MATTER WHEN YOU TURN 65?

Medicare is the federal health insurance program administered by the Centers for Medicare & Medicaid Services (CMS) at cms.gov for people 65 and older, as well as certain younger people with disabilities. According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/medicare-basics/what-is-medicare, Medicare is divided into four distinct parts:

Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice, and some home health services. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes for at least 40 quarters (10 years) of work. The Part A inpatient hospital deductible in 2026 is $1,736 per benefit period, according to CMS at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles.

Medicare Part B covers outpatient medical services, doctor visits, preventive care, and medical equipment. The standard monthly Part B premium in 2026 is $202.90 and the annual Part B deductible is $283.00, according to the Centers for Medicare & Medicaid Services at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles.

Medicare Part C — also called Medicare Advantage — is an alternative to Original Medicare offered by private insurance companies approved by Medicare.

Medicare Part D covers prescription drugs. The national base beneficiary premium for Part D in 2026 is $38.99 per month and no Part D plan deductible may exceed $615 in 2026 according to Medicare.gov at medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty.

The Social Security Administration at ssa.gov/medicare handles Medicare enrollment for most people. Understanding how these four parts work together is the foundation of making the right Medicare decision when you’re turning 65 in Port St. Lucie or anywhere on the Treasure Coast.

YOUR 7-MONTH ENROLLMENT WINDOW — DON’T MISS IT

When you turn 65, the federal government gives you what’s called an Initial Enrollment Period (IEP). According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start, this is a 7-month window that works like this:

3 months before your 65th birthday month
Your actual birthday month
3 months after your birthday month

This window is not flexible. If you miss it and don’t have qualifying coverage through an active employer, you will face permanent late enrollment penalties on your Part B and Part D premiums.

The Part B Late Enrollment Penalty

According to Medicare.gov at medicare.gov/basics/costs/medicare-costs/avoid-penalties, if you don’t sign up for Part B when you’re first eligible, your monthly premium goes up 10% for each full 12-month period you could have had Part B but didn’t. That penalty is added to your $202.90 monthly premium and never goes away. For example, if you wait 2 full years your penalty would be 20% — making your monthly Part B premium $243.50 instead of $202.90, for life.

The Part D Late Enrollment Penalty

According to Medicare.gov at medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty, the Part D late enrollment penalty is calculated by multiplying 1% times the national base beneficiary premium ($38.99 in 2026) times the number of full uncovered months you were eligible but didn’t enroll. If you go 63 or more days without creditable drug coverage after your Initial Enrollment Period ends, this penalty is added to your monthly premium for as long as you have Medicare drug coverage.

We see this mistake happen to Treasure Coast residents every single year. Someone turns 65, assumes they’ll figure it out later, and ends up paying hundreds of dollars more every year in penalties that never go away. Don’t let that be you.

2026 MEDICARE COSTS — VERIFIED NUMBERS

All figures below are confirmed by the Centers for Medicare & Medicaid Services at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles:

Medicare Part A (Hospital Insurance)

Part A Deductible: $1,736 per benefit period
Hospital Coinsurance Days 1-60: $0
Hospital Coinsurance Days 61-90: $434 per day
Lifetime Reserve Days: $868 per day
Skilled Nursing Facility Days 1-20: $0
Skilled Nursing Facility Days 21-100: $217 per day
Part A Premium (if you must pay): $565 per month (full) or $311 per month (reduced)

Medicare Part B (Medical Insurance)

Part B Standard Monthly Premium: $202.90
Part B Annual Deductible: $283.00
Part B Coinsurance: 20% after deductible for most services

Medicare Part D (Prescription Drug Coverage)

National Base Beneficiary Premium: $38.99 per month
Maximum Part D Deductible: $615 in 2026
Part D Late Enrollment Penalty: 1% of $38.99 per uncovered month — permanent

IRMAA (Income-Related Monthly Adjustment Amount)

IRMAA begins at $109,000 income for individuals in 2026
IRMAA begins at $218,000 income for couples filing jointly
Highest Part B premium bracket (income $500,000+): $689.90 per month

Source for all figures: cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles

WHAT ARE YOUR MEDICARE OPTIONS ON THE TREASURE COAST?

Once you’re enrolled in Medicare Parts A and B — also called Original Medicare — you have two main paths according to Medicare.gov at medicare.gov/health-drug-plans/health-plans:

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurance companies approved by Medicare. According to CMS.gov at cms.gov/medicare/health-plans/medicareadvtgspecratestats, more than half of all Medicare beneficiaries nationally are now enrolled in a Medicare Advantage plan.

Many plans available across St. Lucie, Martin, Indian River, Brevard, and Palm Beach counties include:

Prescription drug coverage bundled in
Dental, vision, and hearing benefits
Fitness programs like SilverSneakers
Transportation benefits
Over-the-counter allowances
$0 or very low monthly premiums

Popular carriers currently serving Port St. Lucie and the Treasure Coast include Humana, United Healthcare, Aetna, and Devoted Health. These plans work within networks — so it is absolutely critical to confirm your local doctors and hospitals are covered before you choose. Bill Wilkie checks every network before recommending any plan so you never have to give up a doctor you trust.

Medicare Supplement (Medigap)

Medicare Supplement plans work alongside Original Medicare to cover the out-of-pocket costs Medicare doesn’t pay — like deductibles and coinsurance. According to Medicare.gov at medicare.gov/health-drug-plans/medigap, there are several standardized Medigap plans each labeled with a letter. Plan G is the most popular option for new Medicare enrollees in 2026. It covers:

Part A coinsurance and hospital costs
Part B coinsurance or copayments
Blood (first 3 pints)
Part A hospice care coinsurance
Skilled nursing facility care coinsurance
Part A deductible of $1,736
Foreign travel emergency care

These plans carry higher monthly premiums but give you more predictable costs and the freedom to see any doctor in the country who accepts Medicare — no network restrictions whatsoever.

Part D Prescription Drug Plans

If you choose Original Medicare you’ll need a standalone Part D drug plan. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare drug plans in your zip code. No Part D plan deductible may exceed $615 in 2026. The national base beneficiary premium is $38.99 per month in 2026 according to Medicare.gov.

The right choice depends entirely on your health, your doctors, your prescriptions, and your budget. A free local conversation with Bill Wilkie at ABCD Health Plans is worth more than any website, including this one.

HOW TO CHOOSE THE RIGHT MEDICARE PLAN IN PORT ST. LUCIE

Your Doctors and Hospitals

This is the single most important factor. Medicare Advantage plans have networks — if your doctor isn’t in the network, you may pay significantly more or not be covered at all. Medicare Supplement plans have no networks — you can see any doctor in the country who accepts Medicare.

Key local hospitals on the Treasure Coast include:

Cleveland Clinic Martin Health — Stuart
HCA Florida Tradition Hospital — Port St. Lucie
HCA Florida St. Lucie Hospital — Fort Pierce
Indian River Medical Center — Vero Beach
Holmes Regional Medical Center — Melbourne

Before recommending any plan, Bill Wilkie verifies that your preferred hospitals and doctors are in-network. This is a step most national call centers skip entirely.

Your Prescriptions

The Medicare Plan Finder at medicare.gov/plan-compare lets you enter your specific medications and see exactly what each plan will cost you. Drug formularies vary significantly between plans. Never assume your medication is covered — always verify.

Your Budget

Medicare Advantage plans often have $0 premiums but higher potential out-of-pocket costs when you need care. Medicare Supplement plans have higher monthly premiums but cap your out-of-pocket expenses giving you more predictability year round. With the Part B deductible at $283.00 and Part A deductible at $1,736 in 2026, understanding your full cost exposure before choosing a plan is critical.

Your Lifestyle

Travel frequently or spend time in multiple states? Medicare Supplement gives you nationwide coverage with no network restrictions. Prefer staying local and want extra benefits like dental and vision? Medicare Advantage may be the better fit.

EVERY COUNTY AND ZIP CODE WE SERVE

ABCD Health Plans serves Medicare-eligible residents across the entire Treasure Coast and surrounding Florida counties. Whether you’re turning 65 or already on Medicare, Bill Wilkie is here to help everyone in your community.

St. Lucie County Cities: Port St. Lucie, Fort Pierce, Tradition, White City, Lakewood Park Zip Codes: 34945, 34946, 34947, 34948, 34949, 34950, 34951, 34952, 34953, 34954, 34981, 34982, 34983, 34984, 34985, 34986, 34987, 34988

Martin County Cities: Stuart, Jensen Beach, Hobe Sound, Palm City, Indiantown Zip Codes: 34990, 34991, 34992, 34994, 34995, 34996, 34997, 34956, 34957, 34958

Indian River County Cities: Vero Beach, Sebastian, Fellsmere, Gifford Zip Codes: 32958, 32960, 32962, 32963, 32966, 32967, 32968, 32969

Brevard County Cities: Melbourne, Cocoa, Merritt Island, Palm Bay, Titusville Zip Codes: 32901, 32903, 32904, 32905, 32907, 32908, 32909, 32920, 32922, 32925, 32926, 32927, 32931, 32934, 32935, 32937, 32940, 32948, 32950, 32951, 32952, 32953, 32955

Palm Beach County Cities: West Palm Beach, Boynton Beach, Boca Raton, Delray Beach, Lake Worth Zip Codes: 33401, 33406, 33407, 33408, 33409, 33410, 33411, 33412, 33417, 33426, 33428, 33430, 33431, 33432, 33433, 33434, 33444, 33445, 33446, 33460, 33461, 33462, 33463, 33467, 33469, 33470, 33480, 33483, 33484, 33486, 33487, 33496, 33498

If you live in any of these counties or zip codes and you’re turning 65 or already on Medicare, Bill Wilkie at ABCD Health Plans can help you find the right plan at absolutely no cost.

STEP-BY-STEP: HOW TO ENROLL IN MEDICARE AT 65

Step 1: Check your enrollment window. Find your 7-month IEP — 3 months before your birthday month through 3 months after. Mark these dates now. According to the Social Security Administration at ssa.gov/medicare, acting early gives you the most time to compare plans without rushing.

Step 2: Sign up for Medicare Parts A and B. Enroll through ssa.gov/medicare online, by phone at 1-800-772-1213, or at your local Social Security office. Already receiving Social Security? You may be enrolled automatically at 65.

Step 3: Choose your coverage path. Compare Medicare Advantage vs Medicare Supplement plus Part D. According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/get-started-with-medicare, you have from the date you’re first eligible through the end of your IEP to make this choice. Bill Wilkie walks you through this comparison in a single free conversation.

Step 4: Confirm your doctors are in-network. Before selecting any Medicare Advantage plan, verify your doctors, specialists, and hospitals are included. Bill Wilkie does this verification for every client before making any recommendation.

Step 5: Enroll at no cost. Contact Bill Wilkie at ABCD Health Plans at abcdhealthplans.com — we handle the paperwork at absolutely no charge.

Step 6: Confirm your start date. Watch for your new insurance card and welcome packet. Keep all confirmation numbers and correspondence.

COMMON MISTAKES PEOPLE MAKE WHEN TURNING 65

Assuming Medicare is automatic. According to the Social Security Administration at ssa.gov/medicare, if you are not already receiving Social Security retirement benefits before turning 65, Medicare enrollment is NOT automatic. You must actively sign up.

Waiting too long after retirement. Losing employer coverage triggers a Special Enrollment Period — but it has a strict 8-month deadline. According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/signing-up/working-past-65, missing this window means waiting for the next General Enrollment Period and potentially paying late penalties.

Choosing a plan based on premium alone. A $0 premium plan sounds great until your preferred doctor isn’t in-network or you face the full $1,736 Part A deductible with no supplemental coverage. The Medicare Plan Finder at medicare.gov/plan-compare lets you compare total estimated costs — not just premiums.

Forgetting Part D. According to Medicare.gov at medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty, the Part D late enrollment penalty is permanent. The penalty is 1% of $38.99 (the 2026 national base beneficiary premium) for every uncovered month — added to your premium for life.

Not using a local advisor. National call centers don’t know Port St. Lucie, Stuart, Jensen Beach, or Fort Pierce. They don’t know which plans cover your local hospitals or the specialists you’ve trusted for years.

Confusing Medicare and Medicaid. According to Medicare.gov at medicare.gov/basics/costs/help/medicaid, Medicare is federal health insurance based on age. Medicaid is a state and federal program based on income. Some people qualify for both — called dual eligible — and may receive significant extra assistance.

LOW INCOME? FLORIDA PROGRAMS THAT CAN HELP

Extra Help (Low Income Subsidy)

The Social Security Administration’s Extra Help program at ssa.gov/medicare helps people with limited income pay for Medicare prescription drug coverage costs — including premiums, deductibles, and copayments. People who qualify pay no more than a small copayment for each prescription drug.

Medicare Savings Programs

According to Medicare.gov at medicare.gov/basics/costs/help/medicare-savings-programs, Florida offers four Medicare Savings Programs:

Qualified Medicare Beneficiary (QMB): Helps pay Part A and Part B premiums, deductibles, coinsurance, and copayments.
Specified Low-Income Medicare Beneficiary (SLMB): Helps pay Part B premiums.
Qualifying Individual (QI): Helps pay Part B premiums.
Qualified Disabled and Working Individuals (QDWI): Helps pay Part A premiums for certain disabled people who have returned to work.

Bill Wilkie at ABCD Health Plans personally reviews every client’s situation to make sure they are enrolled in every program they qualify for — because you should never leave money on the table. Call 844-900-1468 to find out what you qualify for today.

FREE MEDICARE SEMINARS ON THE TREASURE COAST

ABCD Health Plans hosts free no-cost Medicare education seminars at public locations throughout St. Lucie, Martin, Indian River, and Brevard counties. These are educational workshops — not sales events — where you can get your Medicare questions answered in person by a local licensed advisor you can trust.

These events are:

Completely free — no cost whatsoever
No sales pressure, no obligation of any kind
Open to anyone turning 65 or already on Medicare
Led personally by Bill Wilkie, licensed Medicare advisor
Held at convenient public locations throughout the Treasure Coast

Seminars are being scheduled now. Space is always limited. Call 844-900-1468 to find out about upcoming dates and reserve your spot.

WHY WORK WITH A LOCAL MEDICARE ADVISOR?

National call centers don’t know the Treasure Coast. They don’t know which plans have the strongest networks in St. Lucie County, which doctors are in-network at Cleveland Clinic Martin Health or HCA Florida Tradition Hospital, or what’s changing in Martin County for the upcoming plan year.

Bill Wilkie of ABCD Health Plans is different. Bill is a licensed independent Medicare advisor based right here in Port St. Lucie, licensed in over 30 states, with years of experience helping Florida families navigate Medicare. He is not tied to any one insurance company — he shops every plan available in your zip code and finds the one that fits your doctors, your prescriptions, and your budget.

There is never a fee for his help. According to CMS guidelines, Medicare advisors are compensated directly by the insurance carriers. You pay absolutely nothing.

As an independent advisor, Bill has access to plans from every major carrier serving the Treasure Coast — including Humana, United Healthcare, Aetna, Devoted Health, Cigna, and WellCare. His only job is to find the plan that is right for you.

Stay Connected With ABCD Health Plans: Facebook: https://www.facebook.com/profile.php?id=61564562317330 YouTube: https://www.youtube.com/@ABCDHealthPlans Google: https://share.google/Uwgx0UkeF9CClsis9 Nextdoor: https://nextdoor.com Website: https://www.abcdhealthplans.com

FREQUENTLY ASKED QUESTIONS

When should I sign up for Medicare if I’m turning 65 in Port St. Lucie? Begin at least 3 months before your 65th birthday. According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start, your Initial Enrollment Period opens 3 months before your birthday month. The earlier you act, the more time you have to compare plans and avoid gaps in coverage.

What is the Medicare Part B premium in 2026? The standard monthly Medicare Part B premium in 2026 is $202.90. The annual Part B deductible is $283.00. Confirmed by the Centers for Medicare & Medicaid Services at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles.

What is the Medicare Part A deductible in 2026? The Medicare Part A inpatient hospital deductible in 2026 is $1,736 per benefit period. Coinsurance for hospital days 61 through 90 is $434 per day. Skilled nursing facility coinsurance for days 21 through 100 is $217 per day. Confirmed by CMS at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles.

Do I need Medicare if I’m still working at 65? It depends on your employer’s size and coverage. According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/signing-up/working-past-65, if your employer has 20 or more employees you may be able to delay Part B without penalty. The rules are very specific — call 844-900-1468 before assuming you’re covered.

What’s the difference between Medicare Advantage and Medicare Supplement? Medicare Advantage replaces Original Medicare with an all-in-one private plan — often at $0 premiums but with network restrictions. Medicare Supplement works alongside Original Medicare with no network restrictions but higher monthly premiums. According to Medicare.gov at medicare.gov/health-drug-plans/medigap, Medigap policies are standardized — Plan G from one company offers the same benefits as Plan G from another, only the price differs.

Are there good Medicare Advantage plans in Port St. Lucie, Stuart, and Fort Pierce? Yes. St. Lucie and Martin counties have strong Medicare Advantage options from Humana, United Healthcare, Aetna, and Devoted Health. Bill Wilkie compares every plan in your specific zip code to find the one that covers your doctors and fits your budget — at no cost.

What is the Medicare Annual Enrollment Period? According to Medicare.gov at medicare.gov/basics/get-started-with-medicare/get-started-with-medicare, the Annual Enrollment Period runs from October 15 to December 7 each year. Anyone on Medicare can switch plans, drop a plan, or add coverage during this window. Changes take effect January 1.

What is IRMAA and does it affect me? IRMAA stands for Income-Related Monthly Adjustment Amount. According to CMS at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles, in 2026 IRMAA begins at a modified adjusted gross income of $109,000 for individuals and $218,000 for couples filing jointly. The highest income bracket ($500,000+) pays a total Part B premium of $689.90 per month. Call 844-900-1468 to understand how IRMAA may affect your specific situation.

What is the Part D late enrollment penalty in 2026? According to Medicare.gov at medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty, the penalty is 1% of the national base beneficiary premium ($38.99 in 2026) for every month you went without creditable drug coverage. This penalty is permanent and added to your premium for life.

What if I have a low income? Florida offers Extra Help for Part D drug costs and Medicare Savings Programs that can pay your Part B premium entirely. According to the Social Security Administration at ssa.gov/medicare, millions of eligible people never apply simply because they don’t know it exists. Call 844-900-1468 and Bill Wilkie will make sure you get everything you qualify for.

Is there a Medicare advisor near me in Port St. Lucie, Stuart, or Vero Beach? Yes. Bill Wilkie of ABCD Health Plans is based right here in Port St. Lucie and serves all of St. Lucie County, Martin County, Indian River County, Brevard County, and Palm Beach County. Call or text 844-900-1468 for a free no-pressure consultation.

Do you serve my zip code? ABCD Health Plans serves zip codes throughout St. Lucie County (34945-34988), Martin County (34956-34997), Indian River County (32958-32969), Brevard County (32901-32955), and Palm Beach County (33401-33498). Call 844-900-1468 to confirm coverage in your specific area.

How do I get help turning 65 in Port St. Lucie? Call or text 844-900-1468 or visit abcdhealthplans.com to schedule your free Medicare consultation. Bill Wilkie will walk you through every option available in your area — at no cost, no obligation, and no pressure.

TAKE THE NEXT STEP — CALL BILL TODAY

You don’t have to figure this out alone. Bill Wilkie at ABCD Health Plans provides independent no-cost Medicare guidance to residents across St. Lucie, Martin, Indian River, Brevard, and Palm Beach counties — comparing every plan available in your zip code so you get coverage that truly fits your life.

Call or text: 844-900-1468 Website: https://www.abcdhealthplans.com Facebook: https://www.facebook.com/profile.php?id=61564562317330 YouTube: https://www.youtube.com/@ABCDHealthPlans Google: https://share.google/Uwgx0UkeF9CClsis9 Nextdoor: https://nextdoor.com

Proudly serving Port St. Lucie, Fort Pierce, Tradition, Stuart, Jensen Beach, Hobe Sound, Palm City, Indiantown, Vero Beach, Sebastian, Fellsmere, Melbourne, Cocoa, Merritt Island, Palm Bay, Titusville, West Palm Beach, Boynton Beach, Boca Raton, Delray Beach, Lake Worth, and all surrounding Treasure Coast and South Florida communities.

St. Lucie County zip codes: 34945, 34946, 34947, 34948, 34949, 34950, 34951, 34952, 34953, 34954, 34981, 34982, 34983, 34984, 34985, 34986, 34987, 34988 Martin County zip codes: 34990, 34991, 34992, 34994, 34995, 34996, 34997, 34956, 34957, 34958 Indian River County zip codes: 32958, 32960, 32962, 32963, 32966, 32967, 32968, 32969 Brevard County zip codes: 32901, 32903, 32904, 32905, 32907, 32908, 32909, 32920, 32922, 32925, 32926, 32927, 32931, 32934, 32935, 32937, 32940, 32948, 32950, 32951, 32952, 32953, 32955 Palm Beach County zip codes: 33401, 33406, 33407, 33408, 33409, 33410, 33411, 33412, 33417, 33426, 33428, 33430, 33431, 33432, 33433, 33434, 33444, 33445, 33446, 33460, 33461, 33462, 33463, 33467, 33469, 33470, 33480, 33483, 33484, 33486, 33487, 33496, 33498

DISCLAIMER: ABCD Health Plans is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. All 2026 Medicare cost figures in this article are sourced directly from the Centers for Medicare & Medicaid Services official fact sheet at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles, Medicare.gov at medicare.gov, and the Social Security Administration at ssa.gov/medicare.