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 Winter Haven residents — local support, personalized service from an independent agent.
At Bumgardner Insurance Group, we serve the Winter Haven 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.
Winter Haven 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 Winter Haven →Covers copays, coinsurance, and deductibles that Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.
Explore Medigap Plans in Winter Haven →Standalone drug coverage or bundled with Advantage. In 2026, the annual out-of-pocket cap is $2,100.
Find Part D Plans in Winter Haven →Winter Haven has one of Polk County's largest Medicare-enrolled populations. BayCare Winter Haven Hospital is a primary provider for the entire east-county region and participates in Medicare as well as most major Medicare Advantage plans. Watson Clinic, with multiple locations across Polk County, also serves Winter Haven patients and is in-network on several local plans. We help Winter Haven residents verify their doctors are in-network before they enroll.
BayCare Winter Haven Hospital
370-bed regional medical center and the primary hospital for Polk County's eastern communities. Offers comprehensive surgical, cardiac, and emergency services.
AdventHealth Heart of Florida
Located in nearby Davenport (~10 miles), this AdventHealth facility serves the Chain of Lakes corridor with emergency care and specialist services.
Winter Haven is Polk County's second-largest city with approximately 50,000 residents. The Chain of Lakes community draws retirees and seasonal residents, with roughly 22% of the population aged 65 and older — one of the highest concentrations in Polk County. Winter Haven has significant Medicare enrollment and a competitive Medicare Advantage market driven by that population density.
Free consultation — we compare every carrier, explain your options, and handle enrollment. No pressure, no cost.