We do not offer every plan available in your area. Currently we represent 12 organizations which offer 112 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Your complete local resource for Medicare guidance across Sumter, Lake, and Marion County. From The Villages to Ocala and Leesburg, we help area residents understand their options, compare plans, and enroll with confidence — at no cost to you.
Medicare isn't one plan — it's a series of choices. Start here to understand what each part covers.
All-in-one plans (Part C) that bundle hospital, medical, and usually drug coverage. Often include dental, vision, and fitness benefits.
Explore Medicare AdvantageCovers Medicare's out-of-pocket gaps — deductibles, copays, coinsurance. See any doctor in the U.S. who accepts Medicare.
Explore Medigap PlansStandalone prescription drug plans that work alongside Original Medicare and Medigap to cover medication costs.
Explore Part D CoverageStep-by-step guidance for your Initial Enrollment Period — deadlines, choices, and how to avoid costly mistakes.
Turning 65 GuideWe serve communities across Sumter, Lake, and Marion County. Select your city for local Medicare guidance, hospital network information, and plan options specific to your area.
Medicare decisions aren't just about plan benefits — they're about whether your UF Health The Villages Hospital doctor, your UF Health Leesburg Hospital specialist, or your Ocala cardiologist is in-network. They're about whether your local pharmacy is a preferred pharmacy. They're local decisions that a national call center can't answer well.
Missing an enrollment window can mean lifetime penalties or coverage gaps. Here are the key dates every Central Florida Medicare beneficiary should know.
3 months before — 3 months after your 65th birthday
Your first chance to enroll. Missing this window can cause lifetime Part B and Part D penalties.
October 15 – December 7
Switch plans, change coverage, or make adjustments. Changes take effect January 1.
January 1 – March 31
If you're in a Medicare Advantage plan, you have one chance to switch or return to Original Medicare.
Max Bumgardner is an independent Medicare agent serving The Villages area. We serve all of Sumter, Lake, and Marion County. Our consultations are always free — we're compensated by insurance carriers, never by clients.
The Bumgardner Insurance Group is an independent insurance agency serving The Villages, Sumter County, and the surrounding area. Not connected with or endorsed by the United States government or the federal Medicare program. Medicare plans, benefits, and costs are subject to change annually.