NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
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, 1-800-MEDICARE (1-800-633-4227) TTY: 711, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare & Health Insurance Help in Lakeland & Central Florida
Compare Medicare Advantage, Medigap, Part D, and ACA plans with Max and Christine Bumgardner — licensed local agents who serve Lakeland, Plant City, Winter Haven, Brandon, and all of Polk County. 100% free. No pressure. No obligation. Turning 65? Start here.
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Christine Bumgardner
Licensed Agent
Get Your Free Quote
No pressure. No obligation. We'll call or text you.
Max Bumgardner
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Christine Bumgardner
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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.
Plan 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 FormWhy Work With a Local Independent Agent?
Unlike calling an 800-number or going direct to one carrier, we compare plans across multiple companies — and our service is always 100% free to you.
We Work for You
Independent agents represent multiple carriers — not one company. You get unbiased guidance.
Always Free to You
Our consultations cost you nothing. We're compensated by the carriers, never by clients.
Truly Local
Max and Christine live and work in Lakeland. We know the local doctors, networks, and providers.
Year-Round Support
We're here after enrollment too — for billing questions, plan changes, and annual reviews.
Did You Move? Need New Coverage?
If you've recently relocated, your current plan may no longer work for you. Watch this quick video to learn what to do next.
Ready to Compare Your Options?
Lakeland and Polk County residents — get your free, no-pressure consultation 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 health insurance options in Lakeland, FL 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?
Our local Lakeland agents will compare your options side-by-side at no cost — no pressure, no obligation. We'll help you find coverage that fits your healthcare needs and budget.
Medicare & Health Insurance Across Central Florida
We serve Polk County, east Hillsborough, and surrounding Central Florida communities. Click below to view Medicare options for your area.