We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Local Medicare Help
From an Independent Agent Who Lives Here
I'm Max Bumgardner, an independent Medicare agent who lives in The Villages® community and helps fellow residents understand their Medicare options. Compare Medicare Advantage, Medigap, Part D, and other coverage from multiple carriers — in person, by phone, or virtually — so you can choose coverage that fits your healthcare needs, budget, and lifestyle. No-cost consultation.
Max Bumgardner
Independent Medicare Agent
I live in The Villages® community and help local residents understand their Medicare options.
By calling or texting, I consent to be contacted by a licensed agent from The Bumgardner Insurance Group. We never share your information.
THE VILLAGES® is a registered trademark of Holding Company of The Villages, Inc. Bumgardner Insurance Group is not affiliated with, or sponsored by, Holding Company of The Villages, Inc. or its affiliated entities.
Client Resources
Forms and documents you may need before or during your consultation.
Medicare Scope of Appointment
Federal guidelines require a signed SOA form before we can discuss Medicare plans. It protects you by keeping our meeting focused only on what you want to discuss.
Max's SOA FormPlan Review Questionnaire
Complete this before your consultation and save up to an hour. Helps us prepare personalized plan options specific to your needs and situation.
Best completed on a desktop or laptop.
Complete QuestionnaireTransitioning from Employer Coverage?
The CMS-L564 form verifies your prior employer coverage, protects you from Medicare Part B late penalties, and allows you to use a Special Enrollment Period.
Download CMS-L564 Form"Max walked us through every option clearly. We felt confident in our decision."
Linda T., Lakeland
"Explained everything without pressure. We knew exactly what we were enrolling in."
Robert M., Winter Haven
"Christine helped us enroll on time and avoid penalties. Excellent service."
Sandra K., Polk County
Turning 65? You Have a 7-Month Window — Miss It and Pay Penalties for Life.
Medicare's Initial Enrollment Period opens 3 months before your birthday and closes 3 months after. Enrolling late triggers permanent premium penalties on Part B and Part D. Most people don't know until it's too late.
Your Enrollment Timeline
Why Work With an Independent Local Agent?
Calling an 800-number or going direct to one carrier means you only see that carrier's plans. We're independent — we compare dozens of plans across multiple companies to find what's actually best for you.
We Work for You
Independent agents represent multiple carriers — not one company. You get unbiased, personalized guidance tailored to your doctors, drugs, and budget.
Always $0 to You
Our consultations cost you nothing — ever. Carriers pay us a commission, so there's zero fee to work with us.
Truly Local
Max lives in The Villages® community and personally helps fellow residents navigate Medicare. We know which plans work with your preferred providers.
Year-Round Support
We're here after enrollment too — for billing questions, plan changes, and annual reviews every October.
Compare Plans in 15 Minutes — No Obligation
Residents of The Villages® community — get a free side-by-side plan comparison today.
Medicare & ACA Plans We Help You Compare
We're independent agents — we work for you, not for any single insurance company. That means we compare plans from multiple carriers to find the coverage that fits your needs and budget.
Medicare Advantage Plans
Comprehensive Medicare Advantage plans that often include prescription drug coverage, dental, vision, and wellness benefits.
- Medical Coverage
- Prescription Drugs
- Dental & Vision
- Wellness Programs
Medicare Supplement Insurance
Medigap policies to help cover costs that Original Medicare doesn't pay, like copayments and deductibles.
- Gap Coverage
- Predictable Costs
- Doctor Choice Freedom
- Nationwide Coverage
Medicare Part D
Prescription drug coverage plans to help make your medications more affordable throughout the year.
- Prescription Coverage
- Formulary Options
- Pharmacy Networks
- Cost Savings
ACA Marketplace Plans
Individual and family health insurance plans through the Affordable Care Act marketplace with potential subsidies.
- Individual Plans
- Family Coverage
- Premium Subsidies
- Essential Benefits
Dental, Vision & Hearing
Standalone dental, vision, and hearing plans for Medicare enrollees and ACA members who need coverage Original Medicare does not provide.
- Dental Coverage
- Vision Plans
- Hearing Aid Coverage
- Local Providers
Voluntary Benefits for Employers
Cancer, accident, and hospital indemnity policies for your employees — at no cost to you. Cash paid directly to the employee when they need it most.
- Cancer Insurance
- Accident Insurance
- Hospital Indemnity
- Employee Keeps Coverage
Not Sure Which Plan Is Right for You?
I'll walk through your options side-by-side at no cost — no pressure, no obligation. I help you understand coverage that fits your healthcare needs and budget.
Understand Your Options Before You Enroll
In-depth guides covering every Medicare decision — from turning 65 to annual plan changes.
Turning 65 in Florida: Complete Guide
Medicare timeline, Parts A–D, enrollment periods, common mistakes, and FAQs — all in one place.
Start HereMedicare Hub: Central Florida
City-by-city Medicare guides for Polk and Hillsborough County.
View All LocationsMedicare Advantage
All-in-one plans bundling hospital, medical, drug, and often dental and vision coverage.
Learn MoreMedigap Plans
Medicare Supplement plans that cover out-of-pocket gaps. See any doctor who accepts Medicare.
Learn MoreMedicare Part D
Prescription drug coverage that works with Original Medicare or Medigap. Compare formularies and costs.
Learn MoreEnrollment Periods
Annual Enrollment, Open Enrollment, Special Enrollment — know your windows before they close.
View DatesMedicare & Health Insurance in The Villages® Community & Surrounding Areas
We serve The Villages® community and surrounding Central Florida communities. Click below to view Medicare options for your area.
The Villages® community
Around The Villages® community