Medicare Part D
Unbiased Medicare Help in Orlando for 2027
ORLANDO — Choosing a Medicare plan can feel like homework you never asked for. Between mailers, TV ads, and phone calls, it's hard to know who's actually on your side. The good news: Orlando-area residents have several places to get honest, no-cost guidance — and knowing where to look can save you hours of stress before the December 7 enrollment deadline.
Compare Medicare options near you
Answer 3 quick questions to see Medicare Advantage, Medigap, and Part D listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
Most Medicare Advantage and Medigap options require both.
These listings are provided by licensed insurance partners.
Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
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Answer a few more questions to continue to additional options from licensed partners.
Continue →Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- The Annual Enrollment deadline is December 7, so it pays to get help before then.
- Florida's free SHIP counseling program is called SHINE, and its trained volunteers don't sell insurance or earn commissions, unlike paid agents.
- You can reach a SHINE counselor by calling 1-800-963-5337 or visiting floridashine.org, with local support from the Senior Resource Alliance.
- Orange County residents have 90 Medicare Advantage plans from 16 carriers to choose from for 2027, which is why unbiased guidance can be helpful.
Free, Trusted Medicare Help Is Closer Than You Think
Start With SHINE — Florida's SHIP Program
Every state has a State Health Insurance Assistance Program (SHIP) funded by the federal government to give free, one-on-one Medicare counseling. In Florida, it's called SHINE (Serving Health Insurance Needs of Elders), run through the Florida Department of Elder Affairs.
SHINE counselors are trained volunteers who do not sell insurance and don't earn commissions. They can help you:
- Understand Parts A, B, C, and D
- Compare plan options on Medicare.gov's Plan Finder
- Apply for programs like Extra Help or the Medicare Savings Program
- Sort out billing or appeal questions
To reach a SHINE counselor in the Orlando area, call the Florida SHINE Helpline at 1-800-963-5337 or visit floridashine.org. Locally, SHINE partners with the Senior Resource Alliance, the Area Agency on Aging serving Orange, Osceola, Seminole, and Brevard counties.
What Licensed Agents and Brokers Can (and Can't) Do
Licensed agents can be genuinely helpful — especially if you want someone to walk you through enrollment and be your point of contact later. But there's a key difference from SHINE: agents are paid by insurance carriers, and most only sell plans from the carriers they're appointed with.
That's not automatically bad. It just means you should:
- Ask which carriers they represent (and which they don't)
- Confirm they are licensed in Florida
- Never feel pressured to enroll on the spot
- Get everything in writing
A good agent will happily answer questions, verify that your doctors and drugs are covered, and explain trade-offs without steering you.
What's Available in the Orlando Area
Orlando sits in Orange County, where 90 Medicare Advantage plans are offered for 2027 by 16 different carriers, according to CMS Landscape data. Compared with 2026, 33 plans are not returning, 16 are new, and 16 have been renamed, while 30 continuing plans change something in their terms (check the ANOC). With about 191,739 residents age 65 and older in the county, demand for good guidance is high — especially during the Annual Enrollment Period.
Note that stand-alone Part D drug plans are counted separately by CMS and are available to anyone with Original Medicare across Florida.
Key Numbers to Know Before You Meet With Anyone
Walking in with a few facts makes any conversation more productive:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027 — once you hit it, you pay nothing for covered drugs the rest of the year.
- Part D deductible: no plan can charge more than $615 in 2026 ($700 in 2027).
- The "donut hole" is gone as of 2025. Part D now has three phases instead of four.
- Medicare Prescription Payment Plan: optional — lets you spread drug costs across the year in monthly installments instead of paying big amounts at the pharmacy.
- IRMAA surcharges on Part B and Part D kick in above $109,000 in income for a single filer (2026).
Important Dates
- Annual Enrollment Period: October 15 – December 7 (for coverage starting January 1)
- Medicare Advantage Open Enrollment: January 1 – March 31 (if you're already in an MA plan and want to switch once)
Missing these windows usually means waiting a full year, so mark your calendar.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Orange County
(MA penetration in Orange County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
Does SHINE cost anything?
Can a SHINE counselor enroll me in a plan?
What's the difference between star ratings and "best" plans?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.