Are you in the right enrollment window?
Your age, Part B effective date, prior coverage, and guaranteed-issue circumstances can affect application rights and whether medical underwriting may apply.
Florida Medicare Supplement Insurance
Start with the 2026 Florida Medicare Guide.
Download the practical workbook for people approaching Medicare, leaving employer coverage, or moving to Florida—then get personal help comparing Medicare Supplement Insurance when you are ready.
We offer Medicare Supplement Insurance. We do not offer Medicare Advantage or stand-alone Part D plans. If you need that coverage, we can connect you with a separate licensed partner at your request.
Schedule a Medicare Zoom Call30 minutes · Meet privately with Terry
- Medicare Supplement only
- Eligibility and timing
- Florida residents and recent movers
Just moved to Florida?Review your Medicare circumstances before changing or dropping existing coverage.
Your new ZIP code, current coverage, Part B effective date, and enrollment timing may affect Medicare Supplement pricing and eligibility. A move alone does not automatically create a new Medigap Open Enrollment Period.
Start your Florida reviewSupplement onlyMedigap policies from private insurers
30 minutesA focused Medicare-only appointment
FloridaFor residents and recent movers
A brief Medicare overview
New to Florida or approaching Medicare?
Watch Terry explain who this Florida Medicare resource is for and how a focused Medicare Supplement conversation can help you understand timing, eligibility, and available coverage.
Get the 2026 Florida Medicare GuideWatch the brief Medicare overviewFamily Retirement Services
The appointment offered on this page is limited to Medicare Supplement Insurance. Financial-planning and investment-advisory services require a separate conversation.
Coverage you can apply for through us
Yes—we can help you apply for Medicare Supplement coverage.
We begin with Original Medicare, your eligibility, and the plan benefits you want to compare. Then we review Medicare Supplement policies available through the insurers we represent.
Which standardized plan fits your priorities?
Plans with the same letter provide the same basic benefits. Premiums, availability, and company-specific considerations can differ among insurers.
Ready to move from questions to coverage?
When you select an available policy, we can help you complete the Medicare Supplement application and understand the next steps.
Start where you are
Which situation best describes you?
Choose the situation that sounds most like yours. Nothing is submitted or saved.
A useful place to begin
Review before you replace or cancel existing coverage.
A move alone does not automatically create a new Medigap Open Enrollment Period. Your current policy, new ZIP code, Part B effective date, and eligibility should be reviewed before you make a change.
Schedule a Medicare-only Zoom conversation
This appointment is for Medicare Supplement Insurance only. Martine Financial Co d/b/a Family Retirement Services does not offer Medicare Advantage or stand-alone Part D plans, and financial-planning services are handled in a separate conversation.
Schedule a Medicare Zoom CallIf you need Medicare Advantage assistance, an introduction to a separate licensed partner is available at your request. Your information is not submitted or saved by this selector.One firm · clearly separated services
Your Medicare appointment stays Medicare-only.
During this appointment, we discuss Original Medicare, Medicare Supplement eligibility, available policies, premiums, and application steps. We do not discuss investments, tax strategies, or financial-planning recommendations in the Medicare appointment.
Insurance-only guidance and application assistance.
Offered separately through a different conversation and process.
Select a Medicare Supplement signal
The coverage Medigap supplements
Medicare Supplement works with Original Medicare.
A Medicare Supplement policy is designed to work alongside Original Medicare Parts A and B. It cannot be used together with a Medicare Advantage plan.
Medicare Supplement guidance—not a call center
Meet directly with Terry Martine.
Your private Zoom appointment is focused on Medicare Supplement Insurance: your eligibility, timing, questions, and policies offered through the private insurers Family Retirement Services represents.
Terry MartineManaging Partner · Family Retirement Services
Review Medicare Supplement OptionsBefore you schedule
Clear answers about the service.
What Medicare coverage does Family Retirement Services offer?
We offer Medicare Supplement Insurance—also called Medigap—through private insurers we represent. We do not offer Medicare Advantage or stand-alone Part D plans.
Can you help if I want Medicare Advantage?
We do not sell Medicare Advantage plans. At your request, we can connect you with a separate licensed partner that handles its own plan discussions, recommendations, enrollment process, and required disclosures.
Does moving to Florida automatically let me buy any Medigap policy?
No. A move alone does not necessarily create a new Medigap Open Enrollment Period or guaranteed-issue right. Your current coverage, Part B effective date, timing, and other circumstances can affect eligibility and whether medical underwriting applies.
Who can purchase Medicare Supplement Insurance?
Medicare Supplement works with Original Medicare. Generally, you must have Medicare Parts A and B to buy a Medigap policy. Eligibility, availability, premiums, and underwriting requirements vary by individual circumstances and insurer.
Will we discuss financial planning during this appointment?
No. The Medicare Supplement appointment is limited to Medicare insurance. Tax-aware financial planning and investment-advisory services are separate and require a different conversation.
What should I have available?
It can be helpful to know your Medicare Parts A and B effective dates, current coverage type, current insurer and plan letter, Florida ZIP code, and the questions you want answered. Please do not send Medicare numbers, Social Security numbers, tax returns, or account statements by email.
A Medicare-only place to begin
Ready to review Florida Medicare Supplement options?
Choose a convenient time for a private, Medicare-only Zoom conversation with Terry.
Review My Supplement OptionsImportant insurance information
Martine Financial Co d/b/a Family Retirement Services is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, the U.S. Government, or any governmental agency. Martine Financial Co d/b/a Family Retirement Services offers Medicare Supplement Insurance only through private insurers it represents and does not represent every insurer or Medicare Supplement policy available in Florida. We do not offer Medicare Advantage or stand-alone Part D plans. If requested, we may facilitate an introduction to a separate licensed partner; that firm is responsible for its own recommendations, enrollment process, and disclosures. Medicare Supplement availability, premiums, eligibility, and underwriting requirements vary by individual circumstances and insurer. This is a solicitation of insurance. For official information, visit Medicare.gov’s Medigap resources or call 1-800-MEDICARE.