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.
Expert Medicare guidance for Polk County residents — local support, personalized service from an independent agent.
At Bumgardner Insurance Group, we serve the Polk County community with independent Medicare guidance. Whether you're turning 65, newly retired, or re-evaluating your current plan, our local team understands the healthcare landscape in Polk County — the hospital networks, the plan options available in your ZIP code, and the coverage pitfalls to avoid.
Polk County residents can choose from Original Medicare (Parts A & B), Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans. As an independent broker, we compare every carrier available in Polk County — at no cost to you.
Bundles hospital, medical, and often prescription coverage into one plan. Many plans include dental, vision, and hearing at $0 premium.
Compare Medicare Advantage Plans in Polk County →Covers copays, coinsurance, and deductibles that Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.
Explore Medigap Plans in Polk County →Standalone drug coverage or bundled with Advantage. In 2026, the annual out-of-pocket cap is $2,100.
Find Part D Plans in Polk County →Polk County has approximately 105,000 Medicare beneficiaries across its municipalities and rural areas. Three major health systems — Lakeland Regional Health, BayCare, and AdventHealth — all participate in Medicare, but their presence varies significantly by location. Lakeland and Winter Haven have the broadest plan competition and network depth. Rural areas like Mulberry, Lake Wales, and parts of Auburndale have narrower network options. We specialize in matching each client to the plan that best covers their specific doctors and hospital in their Polk County ZIP code.
Lakeland Regional Health Medical Center
Polk County's flagship 531-bed Level II Trauma Center. The primary regional hospital for Polk County residents offering comprehensive specialty care, cancer services, cardiac programs, and trauma.
BayCare Winter Haven Hospital
370-bed regional medical center in Winter Haven serving Polk County's eastern communities with comprehensive surgical and specialty services.
AdventHealth Heart of Florida
AdventHealth regional hospital in Davenport serving Polk County's southeastern communities and the I-4 corridor.
BayCare Bartow Regional Medical Center
Community hospital in Bartow (county seat) providing emergency care and BayCare-affiliated services for central and southern Polk County.
AdventHealth Lake Wales
Regional hospital serving Polk County's southern communities including Lake Wales and surrounding rural areas.
Polk County is Florida's 7th largest county with over 750,000 residents spread across 17 incorporated cities and a large unincorporated rural population. Approximately 14% of Polk County residents — roughly 105,000 people — are enrolled in Medicare. The county spans urban centers (Lakeland, Winter Haven), suburban corridors (Auburndale, Davenport), and rural communities (Mulberry, Lake Wales) served by three major healthcare systems: Lakeland Regional Health, BayCare, and AdventHealth. Healthcare access, plan networks, and Medicare plan availability vary significantly across Polk County's diverse geography.
Free consultation — we compare every carrier, explain your options, and handle enrollment. No pressure, no cost.