Serving Stuart, FL
Free Medicare Consultation
Phone & Zoom Available
Trusted Treasure Coast Guidance
"Medicare Help in Stuart, FL — From a Local Treasure Coast Specialist Who Knows This Market"
Compare Medicare Advantage, Medicare Supplement, and Part D plans from leading carriers — all in one simple, no-pressure review. Serving Stuart, Palm City, Hobe Sound, Jensen Beach & all of Martin County.
Bill Wilkie
Independent Medicare Specialist, ABCD Health Plans
"I treat every appointment like a real conversation — not a sales pitch."
A Little About Bill
Real Experience. No Sales Pitch.
Bill’s Medicare journey started in New York at Healthfirst, where he quickly realized most Medicare consumers weren’t looking for a sales pitch — they were looking for someone who’d actually listen and explain things clearly. That’s what led him to become an independent specialist instead of staying tied to one company’s plans.
A few years ago, Bill relocated to Florida to help care for his father — first settling in Tampa before making Port St. Lucie home. Today he serves clients throughout the Treasure Coast, including Stuart and all of Martin County, working with 25+ carriers so his recommendations are based on what actually fits each client, not corporate quotas.
Independent Medicare Broker
No single-company allegiance — recommendations based on your needs, not commissions.
10+ Years, Full-Time Medicare
Medicare is the only thing Bill does — not a side line at a general insurance office.
Education-First Approach
Regular educational workshops at local libraries and community centers.
Year-Round Support
Available for questions, claims help, and annual reviews long after enrollment.
New to Medicare? Already Enrolled? Turning 65?
I Proudly Help Every Type of Medicare Consumer in Stuart
Whether you’re turning 65, still working past 65, already on Medicare and reviewing your options, or under 65 due to a disability — you deserve clear guidance, not confusion.
65
Turning 65
First-time enrollment, key deadlines, and avoiding costly penalties.
W
Still Working Past 65
Coordinating Medicare with employer coverage to avoid gaps or overpaying.
R
Retiring After 65
Smooth transition from employer insurance to Medicare, no surprises.
✓
Already on Medicare
Annual plan reviews, cost comparisons, and network checks.
+
Under 65 With Disability
Specialized Medicare support and plan options based on eligibility.
♥
Caregivers & Family
Clear explanations to help loved ones make informed choices.
Why It Matters
Why Stuart Residents Choose Bill Wilkie for Medicare
Unmatched Carrier Access
25+ Medicare Advantage and Medigap carriers, so recommendations are based on your needs — not any single company's commissions.
Education-First Guidance
No pressure, no sales tactics. Plain-English explanations so you understand exactly what you're choosing and why.
Year-Round Support
Service doesn't stop after enrollment — questions, claims help, and annual reviews all year, not just during AEP.
Local Market Knowledge
"If you're a patient in the Cleveland Clinic Martin Health system, the plan you choose matters a lot. Not every Medicare Advantage plan in Martin County keeps Cleveland Clinic in-network. I check every single one before I make a recommendation — I know this market, and I know which plans actually work for Stuart residents."
Part C
Medicare Advantage Plans in Stuart, FL
Stuart residents have access to 40 Medicare Advantage plans for 2026 from 9 carriers, combining Part A and Part B coverage — many with Part D and extras like dental, vision, and hearing built in. Choosing the right plan depends on your doctors, medications, and preferred hospitals — not just the monthly premium.
Carriers I Represent Serving Stuart:
Humana
The most-enrolled carrier in this market. Their Full Access Giveback plan has the highest enrollment countywide, though it's rated 3.5 stars — not the top-rated option available.
Devoted Health
A newer, smaller name here — but all three of Martin County's 5-star rated plans for 2026 are Devoted Health HMOs.
AARP / UnitedHealthcare
Broad network options with several PPO and HMO-POS plans rated 4.0–4.5 stars in this market.
Aetna
Several PPO and HMO options, including Aetna Medicare Select with one of the lowest out-of-pocket maximums in the county.
Ultimate Health Plans & Freedom Health
Freedom Platinum Plan Rx carries an exceptionally low $1,750 out-of-pocket max, rated 4.5 stars.
Wellcare, Florida Blue & HealthSpring
Additional HMO and PPO options available based on your specific ZIP code and eligibility.
Why so many plan choices matter
Not all Medicare Advantage plans are created equal. Some look attractive with a $0 premium but carry limited networks or a lower star rating. In Stuart specifically, the most-enrolled plan in the county is rated only 3.5 stars, while three 5-star plans sit quietly with far less enrollment. During our consultation, I check all of this before making a recommendation.
What I Carefully Evaluate for You:
1
Does the plan include your doctors and specialists?
2
Is Cleveland Clinic Martin Health in-network on this specific plan?
3
What are the true out-of-pocket costs — copays, coinsurance, annual max?
4
Are your prescriptions covered, and at what tier?
5
Which extra benefits actually matter to you — dental, vision, hearing?
6
How does the carrier rate for customer service and claims support?
Medicare Supplement
Medicare Supplement (Medigap) Plans in Stuart, FL
Prefer the freedom to see any doctor or specialist nationwide who accepts Medicare — no networks, no referrals? A Medigap plan may be the right fit. Florida offers standardized Medigap plans, and I work with multiple top carriers to help Stuart residents find competitive rates.
An important Florida-specific fact
Unlike some states, Florida does not use community rating and does not offer a Medigap "birthday rule." Your premium is generally based on your age at the time you enroll, and outside your one 6-month guaranteed-issue window (starting the month you turn 65 and enroll in Part B), switching Medigap plans later usually requires medical underwriting. This makes your initial decision more important here than it is in some other states — I walk every client through this before they choose.
Plan G vs. Plan N vs. Plan D — Who Actually Picks What
Most Comprehensive
Plan G
Best Value
Plan N
Plan D
Part D
Medicare Part D Prescription Drug Plans in Stuart, FL
If you have Original Medicare with a Medigap plan, you’ll need a separate Part D plan for your prescriptions. Because formularies and pricing change every year, choosing the right plan can make a real difference in your total healthcare costs.
The "best" plan isn't always the cheapest premium
It's the plan that covers your specific medications at the lowest total yearly cost. A plan that looks inexpensive upfront can end up costing more if your prescriptions fall into higher tiers.
I'll Help You Compare:
1
Whether your current prescriptions are covered in Stuart
2
How your medications are classified — generic vs. brand tiers
3
Your estimated total annual cost — premiums, deductibles, copays
4
Preferred nearby pharmacies (CVS, Walgreens, and local options)
5
Whether you may hit the coverage gap during the year
6
Whether the $2,100 annual out-of-pocket cap changes your math
The Process
How Working With Bill Works
1
Free Consultation
Phone or Zoom — no cost, no obligation.
2
Understand Your Needs
Doctors, prescriptions, budget, priorities.
3
Compare Your Options
Side-by-side, across every carrier I represent.
4
Enroll With Confidence
I handle the paperwork, correctly and on time.
5
Ongoing Support
Questions, claims, and annual reviews, year-round.
All of This Costs You $0
I'm paid by the insurance carriers when you enroll — not by you. Your plan costs the same whether you enroll on your own or work with me. The difference is guidance: expert help, access to multiple carriers, and ongoing support, so you're never left figuring it out alone.
Common Questions
Medicare Questions from Stuart Residents
Which is better in Stuart: Medicare Advantage or Medicare Supplement?
There's no one-size-fits-all answer. Medicare Advantage plans often have lower premiums and extra benefits but use provider networks. Medigap plans cost more monthly but let you see any doctor nationwide who accepts Medicare. The right choice depends on your doctors, health needs, and budget.
Is Cleveland Clinic Martin Health in-network on Medicare Advantage plans in Stuart?
It depends on the specific plan — coverage isn't universal across every plan in this market. I check network status for Cleveland Clinic Martin Health, and your specific doctors within that system, before making any recommendation.
Does Florida have the Medigap birthday rule like some other states?
No. Florida does not offer the birthday rule or general guaranteed issue rights. Outside your initial 6-month enrollment window, switching Medigap plans generally requires medical underwriting — a real reason to get your first decision right.
Is Plan G or Plan N better for Stuart residents?
Plan G offers more predictable costs with a higher premium. Plan N costs less monthly with small copays — up to $20 per office visit, up to $50 per ER visit. Which is better depends on how often you expect to use care.
Is Plan D a good choice in Florida?
It's a real, standardized plan, but a minor one — covering under 3% of Florida's Medigap enrollees, compared to roughly 24% for Plan G and 10% for Plan N. It's rarely the best fit, though I'll walk through it if you're curious.
What do Medicare Part A and Part B cost in 2026?
Most people pay no premium for Part A if they've worked long enough. Part B carries a monthly premium set by Medicare each year, plus deductibles and coinsurance. I'll walk through current costs and how they affect your overall plan choice.
Do you help all areas of Stuart and Martin County?
Yes — I help residents throughout Stuart, Palm City, Hobe Sound, Jensen Beach, Indiantown, and the surrounding Martin County communities.
Can I switch Medicare plans if I'm not happy with my current one?
Usually only during specific enrollment periods — the Annual Enrollment Period (October 15 – December 7) for most changes, or the Medicare Advantage Open Enrollment Period (January 1 – March 31) if you're already on a Medicare Advantage plan. Outside those windows, changes are limited unless you qualify for a Special Enrollment Period.
Why is my Medicare Supplement premium increasing so much?
Rate increases reflect rising medical costs and each carrier's own claims experience. Because Florida doesn't use community rating, your specific age and plan history also factor in. I can help you understand whether shopping a different carrier makes sense for your situation.
When can I enroll in Medicare for the first time in Stuart?
Your Initial Enrollment Period is a 7-month window around your 65th birthday. Missing it can mean waiting for the General Enrollment Period and potential late-enrollment penalties — worth a call well before you turn 65 to plan ahead.
Let's Find Your Right Plan — Not Everyone Else's
Free, no-pressure comparison across 25+ carriers. Real answers from a real local Treasure Coast specialist.
Bill Wilkie Insurance LLC 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 to get information on all of your options. Plan availability, premiums, and star ratings are subject to change and should be verified directly at Medicare.gov before enrolling.
Sources: CMS Medicare Advantage/Part D Contract and Enrollment Data; CMS Landscape and Plan Benefits Package files (current as of May 2026); AHIP State of Medicare Supplement Coverage; Florida Medigap enrollment data by plan type.