Clearwater-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Pinellas County, FL has 263,788 Medicare beneficiaries per CMS Q1 2024 data, with about 61% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H1036, UnitedHealthcare Group Medicare Advantage, Aetna Medicare Eagle. We compare these plans for free and never charge a fee.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
Pinellas County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 61% of its 263,788 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Florida average. The county skews older than the Florida average (25% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. Humana Gold Plus H1036 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 45 Medicare Advantage plans are available in Pinellas County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Pinellas County different: FL's second-oldest large county. 25% age 65+. Strong Medigap demand from snowbird population.
Humana Gold Plus H1036 (HMO)
4-star CMS rating
UnitedHealthcare Group Medicare Advantage (PPO)
4-star CMS rating
Aetna Medicare Eagle (PPO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Pinellas County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Pinellas County: Florida SHINE — Pinellas — call 1-800-963-5337. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Pinellas County plans that fit your situation.
About 263,788 Floridians in Pinellas County are enrolled in Medicare as of May 2026 CMS data. About 61% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Pinellas County are Humana Gold Plus H1036 (HMO), UnitedHealthcare Group Medicare Advantage (PPO), Aetna Medicare Eagle (PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Pinellas (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include BayCare Health System–Morton Plant Hospital, St. Anthony's Hospital, Bayfront Health St. Petersburg.
As of May 2026, about 45 Medicare Advantage plans are available to Pinellas County residents, led by Humana Inc., UnitedHealth Group, Inc., Elevance Health, Inc., CVS Health Corporation. We compare all of them side by side at no cost.
In Pinellas County, many residents prefer the high-deductible G plan due to its lower premium costs, which is especially beneficial for retirees who can manage higher deductibles.
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7 each year. Also consider Special Enrollment Periods if you have a life event like moving to Clearwater or experiencing a change in health.
Accessibility
Text size
