Medicare in St. Petersburg · Pinellas County, FL
2026 Medicare Advantage Plans in St. Petersburg, FL
Pinellas County offers 88 Medicare Advantage plans for 2026 across 7 carriers, with an average premium of $12/mo and 62 plans rated 4★ or higher by CMS.
Pinellas County (St. Petersburg/Clearwater), FL has 88 Medicare Advantage plans (avg $12.00/mo) for plan year 2026.
Why Choose a Local Medicare Agent?
- Independent — not tied to any one carrier
- Licensed in NC, SC, GA, FL, VA, MD, MI, KS, TX, OH
- Free to you — agents are compensated by carriers
By the numbers · Pinellas County
Quick facts for St. Petersburg, FL Medicare (2026)
Health profile · why coverage choice matters here
Chronic conditions among Pinellas County adults
Source: County Health Rankings & Roadmaps 2024 — Pinellas County.
Find Medicare plans near you
Free tools
Quick Medicare Calculators
Part B Late Enrollment Penalty
Monthly penalty: $0.00
IRMAA Quick Check
Monthly surcharge: $0.00
Who covers you
Carriers in Pinellas County (2026)
- UnitedHealthcare HMO-POSPPOD-SNP
AARP Medicare Advantage HMO-POS and PPO; D-SNP available statewide; one of FL's largest MA carriers
- Humana HMO-POSPPO
HMO-POS and PPO with one of Florida's largest provider networks; very strong in FL
- Aetna (CVS Health) HMOPPO
Medicare Signature PPO and HMO; strong star ratings across Florida
- Florida Blue (Guidewell) HMOPPO
Blue Cross Blue Shield of Florida; strong PPO and HMO network statewide
- Wellcare by Centene HMOD-SNP
Low-premium HMO and D-SNP plans; very competitive across Florida markets
- Devoted Health HMO
Florida-focused HMO with concierge model; strong in most FL markets
- Simply Healthcare (Anthem) D-SNP
Anthem subsidiary with strong Tampa Bay area network; D-SNP available
Where you get care
Hospitals & providers nearby
- BayCare Mease Countryside Hospital 3231 McMullen Booth Rd, Safety Harbor FL 34695
- Morton Plant Hospital (BayCare) 300 Pinellas St, Clearwater FL 33756
- St. Anthony's Hospital (BayCare) 1200 7th Ave N, St. Petersburg FL 33705
- Northside Hospital (HCA) 6000 49th St N, St. Petersburg FL 33709
Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.
Sources: CMS Hospital Compare · CMS Landscape (PY2026).
Choosing a Medicare plan in St. Petersburg, FL — what matters here
- Pinellas County (St. Petersburg/Clearwater) is one of Florida's most densely populated senior communities with 88 Medicare Advantage plans for 2026, averaging $12.00/month.
- St. Anthony's Hospital (BayCare, 4 stars) and Northside Hospital (HCA) both serve St. Petersburg. BayCare's integrated health system is the dominant network in Pinellas County.
- 55% of Pinellas Medicare beneficiaries are enrolled in Medicare Advantage — very high for the Tampa Bay market. 42 Special Needs Plans serve dual-eligible beneficiaries.
Not sure Medicare Advantage is the right path?
Also consider Original Medicare + a Supplement
Medicare Advantage isn't the only option. If you want the freedom to see any doctor or hospital in the U.S. that accepts Medicare — with no networks, no referrals, and no plan-specific prior authorizations — a Medicare Supplement (Medigap) plan paired with a standalone Part D drug plan may be a better fit for your situation.
- No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
- Predictable costs. Plan G covers nearly every gap in Original Medicare except the Part B deductible (~$257/yr in 2026). No surprise bills from out-of-network care.
- Enrollment window. Your guaranteed-issue Medigap Open Enrollment Period is 6 months from your Part B effective date. After it closes, health underwriting may apply in NC.
Medigap guide for St. Petersburg → NC Medicare Supplement overview →
Resources
Medicare guides for St. Petersburg, FL
What Is Medicare? Parts A, B, C & D Explained for 2026
Medicare has four parts that work together — and choosing the wrong combination at 65 can follow you financially for the rest of your life. A plain-English guide to what each part covers, what it costs, and how to enroll on time.
Read →
Medicare Advantage vs. Medigap in 2026: Which Is Right for You?
Two paths through Medicare — one bundles everything into a private plan, the other fills Original Medicare's gaps. The right choice depends on your health, your doctors, and a one-time enrollment window most people don't know about.
Read →
How to Avoid Medicare Late Enrollment Penalties in 2026
Miss a Medicare enrollment window and you pay a permanent surcharge added to your premiums for life. Here's exactly when to enroll in Parts A, B, and D — and the one exception that lets you delay without penalty.
Read →St. Petersburg, FL Medicare questions, answered
How many Medicare Advantage plans are available in St. Petersburg, FL?
For 2026, there are 88 Medicare Advantage plans available in St. Petersburg (Pinellas County), offered by 7 carriers including UnitedHealthcare, Humana, Aetna (CVS Health), and others. 62 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.
What is the average Medicare Advantage premium in St. Petersburg for 2026?
The average monthly Medicare Advantage premium in St. Petersburg, FL is $12 for 2026, with an average CMS star rating of 3.98★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.
When can I change my Medicare plan in St. Petersburg?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.
Are there Special Needs Plans available in Pinellas County?
Yes — Pinellas County has 42 Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.
What hospital options are near St. Petersburg, FL?
BayCare Mease Countryside Hospital in Safety Harbor is rated 4★ by CMS Hospital Compare; Morton Plant Hospital (BayCare) in Clearwater is rated 4★ by CMS Hospital Compare; St. Anthony's Hospital (BayCare) in St. Petersburg is rated 4★ by CMS Hospital Compare; Northside Hospital (HCA) in St. Petersburg is rated 3★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.
Is there a cost for help choosing a Medicare plan in St. Petersburg?
No. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.
Is Medicare coverage the same in St. Petersburg, FL?
Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in St. Petersburg, FL as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Pinellas County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.
When can I enroll in Medicare in St. Petersburg, FL?
Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting St. Petersburg residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to St. Petersburg or losing other health coverage.
How do I find a Medicare agent near St. Petersburg, FL?
Look for a licensed, independent agent who is appointed to sell plans in FL and familiar with the carriers and provider networks serving Pinellas County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving St. Petersburg through this site's contact page, or call the number listed on this page to talk with someone directly.
Is there a Medicare agent in St. Petersburg, FL?
Yes. Kayla Price is a licensed independent insurance agent serving St. Petersburg, FL and Pinellas County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 7 carriers offering plans in Pinellas County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.
How do I find Medicare help in St. Petersburg?
The fastest way is to book a free, no-obligation review with a licensed agent who already works in Pinellas County — Kayla Price at Price Services Group covers St. Petersburg, FL and can walk through the 88 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.
Does Price Services Group serve St. Petersburg, FL?
Yes — St. Petersburg, FL is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Pinellas County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.
What Medicare Advantage plans are available in St. Petersburg, FL?
Medicare Advantage plan availability varies by county in FL. Kayla Price can review all plans available in St. Petersburg and help you compare options by phone or video.
How much does Medicare cost in St. Petersburg, FL?
Medicare Part B costs $202.90 per month regardless of where you live in FL. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in St. Petersburg.
When is the next Medicare enrollment period for residents of St. Petersburg, FL?
The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in St. Petersburg, FL. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.
Nearby coverage
Medicare help near St. Petersburg
Clearwater, FL
86 Medicare Advantage plans Pinellas CountyLargo, FL
86 Medicare Advantage plans St. Johns CountySt. Augustine, FL
76 Medicare Advantage plans Bradford CountyStarke, FL
55 Medicare Advantage plans Martin CountyStuart, FL
80 Medicare Advantage plans Hernando CountySpring Hill, FL
78 Medicare Advantage plansMore reading
Medicare topics for Pinellas County
Medicare Advantage Plans in Pinellas, FL 2026
See how the 88 Medicare Advantage plans available in Pinellas County compare on premium, star rating, and network for 2026.
Read on our blog →How to Avoid Medicare Penalties in St. Petersburg
Late Part B and Part D penalties are permanent. Here's how St. Petersburg, FL residents can enroll on time and avoid them.
Read on our blog →Best Medicare Supplement Plans for Pinellas Residents
A look at how Medigap Plan G and other supplement options stack up for Pinellas County Medicare beneficiaries.
Read on our blog →Enrollment windows
When can you change your Medicare plan?
Annual Enrollment Period
Oct 15 – Dec 7
Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.
MA Open Enrollment Period
Jan 1 – Mar 31
One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.
Initial Enrollment Period
7-month window at 65
3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.
Your local agent
Talk to a licensed Medicare agent about St. Petersburg, FL plans
Kayla Price is a licensed, independent agent who works with 7 carriers serving Pinellas County — free, no pressure. We do not offer every plan available in your area.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.