Medicare Help in Land O’ Lakes, FL
We work FOR clients, not insurance companies.
Medicare guidance close to home
Compare Medicare plans in Land O’ Lakes with a local team
ProCare Consulting is an independent insurance agency based at 20547 Amberfield Dr in Land O’ Lakes, Florida. We help people compare Medicare plans in Land O’ Lakes, including Medicare Advantage, Medicare Supplement and Part D coverage, at zero cost to you. Visit by appointment, or talk by phone or Zoom.
For Land O’ Lakes neighbors turning 65 or already on Medicare, and for the family members who help them.
Our office is here in town, so you can sit down with us face to face. Bring your questions, your doctor list and your prescriptions. We will go through them with you, one at a time.
Call (813) 850-0398Zero-Cost Consultation
Call or text. Appointments only, so we can give you our full attention.
Quick answers
- Our office is at 20547 Amberfield Dr in Land O’ Lakes.
- We are an independent agency, so we compare plans from more than one company.
- Most Medicare Advantage plans include Part D drug coverage.
- Annual Enrollment runs October 15 to December 7.
Our approach
How ProCare helps you compare Medicare plans
We start with you, not with a plan. First we learn about your doctors, your prescriptions, how often you get care and what matters most to you. Then we look at the options that fit.
As an independent agency, we work across many insurance companies. No one plan type is right for everyone. We like to say there is no bad insurance, just bad fits, and our Medicare page explains how we compare options.
- Medicare Advantage HMO and PPO options
- Medicare Supplement Plan G and Plan N
- Medicare Part D drug coverage
- Your doctors, specialists and hospitals
- Extra add-ons like dental, vision and hospital indemnity
Know your options
Medicare plan types you can compare in Pasco County
In Pasco County, as anywhere, you choose between Original Medicare and a Medicare Advantage plan from a private company. Advantage plans come as HMOs, PPOs and Special Needs Plans, among other types. Original Medicare can be paired with a Medicare Supplement and a Part D drug plan. Which plans you can join depends on where you live.
| Plan type | What it is | Doctors and hospitals | Who it may fit |
|---|---|---|---|
| Medicare Advantage HMO | A private plan approved by Medicare that covers Part A and Part B, usually with drug coverage | Generally the plan’s network, except emergency or urgent care. You need a referral to see a specialist. | People fine with one network and one main doctor |
| Medicare Advantage PPO | A private plan with a network you can step outside of | You may go out of network, but you may pay more. No referral needed. | People who want more choice of doctors |
| Special Needs Plan (SNP) | A Medicare Advantage plan for people with certain conditions, or with both Medicare and Medicaid | Depends on whether the SNP is an HMO or a PPO | People who meet the plan’s special conditions |
| Original Medicare with a Medicare Supplement | Part A and Part B, plus a supplement such as Plan G or Plan N to help pay your share of costs | Any doctor or hospital that takes Medicare, anywhere in the U.S. | People who want to keep doctors outside any network |
| Part D drug plan | Separate drug coverage from a private plan approved by Medicare | Uses the plan’s own drug list | People on Original Medicare who take prescriptions |
The network and referral rules come from Medicare.gov’s comparison of Medicare Advantage plan types and its page that compares Original Medicare and Medicare Advantage. Plan lists change every year, so we look them up for your ZIP code when we meet.
Why it feels hard
Medicare mail piles up fast every fall
Every fall the mailbox fills up. Postcards, phone calls and TV ads all say their plan is the one. It is hard to know who to trust, and it is easy to put the whole thing off.
Land O’ Lakes’ own share of people 65 and over is 18.8 percent, about 6,750 of its 35,929 residents counted in the 2020 census. That is a lot of neighbors facing the same choice at the same time of year.
Most of them want the same simple things. Keep my doctors. Cover my prescriptions. Do not surprise me with a bill. Those are fair things to want. They just take some careful checking to get right.
Why it changes
Why last year’s Medicare plan may not fit this year
Plans can change from one year to the next. A doctor can leave a network. A drug can move to a different tier. A benefit you counted on can look different in the new plan year.
Your life changes too. You may have a new doctor, a new prescription or a new diagnosis. Maybe you are about to leave a job and the group plan that came with it.
That is why we check what is current, not what was true last year. We always check your doctors with current information. We never promise a doctor ahead of time. Our Medicare resources explain the basics if you want to read ahead.
How it works
What happens when you call ProCare
We start by listening, then we compare plans.
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Tell us a bit about you
Call or text us. We set a time at our Land O’ Lakes office or by phone.
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We review what you have
We look at your current coverage, your doctors, your prescriptions and what you want to change.
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We compare what fits you
A licensed insurance professional explains the options that fit you, side by side.
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You decide
There is no pressure. When you are ready, we explain the next steps and the paperwork clearly.
Medicare enrollment follows required Permission to Contact and Scope of Appointment rules, with your written okay where the rules ask for it.
Timing matters
Medicare dates and deadlines to know
Medicare lets you join or change plans only at certain times. Here are the main ones, from Medicare.gov’s page on joining a plan. Annual Enrollment for 2027 coverage runs October 15 to December 7, 2026. Medicare Advantage Open Enrollment runs January 1 to March 31, 2027.
Annual Enrollment
October 15 to December 7, open to anyone with Medicare. New coverage starts January 1.
The Medicare Advantage open enrollment window
January 1 to March 31, a second chance for people already in a Medicare Advantage plan.
Turning 65
A seven month window. It starts three months before the month you turn 65 and ends three months after it.
Medicaid or Extra Help
Once a month. If you have Medicaid or get Extra Help paying for drugs, you can make certain changes once a calendar month.
| Enrollment period | What you can do | When coverage starts |
|---|---|---|
| Annual Enrollment, October 15 to December 7 | Join, switch or drop a Medicare Advantage plan or a drug plan, or move between Original Medicare and Medicare Advantage | January 1. The plan must get your request by December 7. |
| Medicare Advantage Open Enrollment, January 1 to March 31 | If you are in a Medicare Advantage plan: switch to another one, or drop it, go back to Original Medicare and join a separate drug plan | The first of the month after the plan gets your request |
| Initial Enrollment, around your 65th birthday | Join any plan. A Medicare Advantage plan needs both Part A and Part B. | With Part A and B if you ask before they start, or the first of the next month |
| Special Enrollment Period, after certain life events | Join or switch plans after a move, a loss of other coverage, or new Medicaid or Extra Help | Varies. Generally the first of the month after the plan gets your request. |
Local help
Medicare help that knows Land O’ Lakes
ProCare Consulting is an independent insurance agency based at 20547 Amberfield Dr, Land O’ Lakes, Florida, serving Pasco, Hillsborough, Pinellas, Polk, Hernando and Citrus counties. A few local facts we keep in mind:
Land O’ Lakes residents can get Medicare counseling through SHINE, run by the Area Agency on Aging of Pasco-Pinellas. About 6,750 of the city’s residents are 65 or over.
AdventHealth Connerton, a hospital for longer recoveries, sits at 9441 Health Center Drive in Land O’ Lakes, FL 34637.
AdventHealth Care Pavilion Central Pasco, at 2435 Bexley Village Drive in Land O’ Lakes, offers primary care, imaging and lab work.
BayCare St. Joseph’s Hospital-North sits just south of town, at 4211 Van Dyke Road in Lutz.
More help nearby
Other zero-cost Medicare help near you
You do not have to choose only us. SHINE gives Medicare counseling at zero cost through the Florida Department of Elder Affairs and your local Area Agency on Aging. Its trained volunteers help one on one with Medicare and Medicaid questions. Medicare’s own helpline, 1-800-MEDICARE, also answers questions about all of your options.
To reach a counselor, start at floridashine.org. Many people use both: SHINE for an unbiased look at the rules, and an agent like us to compare plans and help with the enrollment itself.
Your next step
A zero-cost Medicare review in Land O’ Lakes
A review with us costs you nothing. The insurance companies pay licensed agents, so you never get a bill from us for our help.
We also stay with you after you enroll. We check in with clients through the year, and we look at your options again every fall. Our guide on how to check Medicare Advantage doctor networks in Tampa Bay can help between visits. You will have a real person to call when a letter or a bill does not make sense.
Want to know more about who we are first? Read about ProCare Consulting, then send us a note or call when you are ready.
Your questions answered
Medicare questions from Land O’ Lakes
Where can I get Medicare help in Land O' Lakes?
Our office is at 20547 Amberfield Dr, Land O’ Lakes, FL 34638. We meet by appointment only, so please call or text us first. If driving in is hard, we can also meet by phone or on Zoom. The help is the same either way.
Does it cost anything to meet with a Medicare agent?
No. Our help costs you nothing. Licensed agents are paid by the insurance companies, not by the people they help. You can ask all your questions, compare your options and take time to think it over. There is no charge for any of it.
What is the biggest drawback of Medicare Advantage?
For many people, it is the network. Most Medicare Advantage plans ask you to use the doctors and hospitals in their network for routine care, and an HMO usually needs referrals. You may also need the plan’s approval before it covers certain services. We check those rules against your own doctors.
When can I change my Medicare plan?
Most people change plans during Annual Enrollment, October 15 to December 7, for coverage that starts January 1. If you are in a Medicare Advantage plan, you can also switch from January 1 to March 31. Other times are possible after a move or other life changes.
Can you check if my doctor takes a plan?
Yes, we check with current information before you choose a plan. Doctor networks can change, so we never promise a doctor will stay in a plan. We look again when your plan renews. Bring a list of your doctors and specialists to the meeting.
Talk with ProCare
Talk with a Medicare agent in Land O’ Lakes
Call or text us, or book your zero-cost review online. We will walk you through your choices one at a time.
ProCare Consulting is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.