Medicare Enrollment in Cape Coral, FL – LP Insurance Solutions
LP Insurance Solutions handles Medicare enrollment in Cape Coral at no cost, comparing Medicare Advantage, Medicare Supplement, and Part D plans for each client. Agent and owner Lizzy Paredes, CIC, has held insurance licenses since 2013 and works with Medicare clients in English and Spanish. The office is at 1423 SE 16th Pl #103, Cape Coral, FL 33990.
2026 Medicare Costs: Premiums, Deductibles, and Out-of-Pocket Caps
CMS sets Medicare’s base costs, so they are the same in Cape Coral as anywhere else in the country. Plan around these 2026 figures before Medicare enrollment in Cape Coral or a mid-year plan change.
| Cost | 2026 amount |
|---|---|
| Part A premium | $0 for most people who worked 40 quarters (about 10 years) |
| Part A hospital deductible | $1,736 per benefit period |
| Part A hospital stay, days 61–90 | $434 per day |
| Skilled nursing facility, days 21–100 | $217 per day |
| Part B standard premium | $202.90 per month; higher incomes pay more (IRMAA) |
| Part B deductible | $283 per year, then usually 20% coinsurance |
| Part D out-of-pocket cap | $2,100 per year for covered drugs |
| Part D maximum deductible | $615 per year |
Sources: CMS 2026 Medicare Parts A and B premiums and deductibles and Medicare.gov costs. Medicare Advantage, Supplement, and Part D plan premiums vary by plan and ZIP code. Lizzy prices the plans available at your Cape Coral address during a review.
What Cape Coral Residents Ask About Medicare Enrollment
These are the questions Lizzy hears most about Medicare enrollment in Cape Coral from people turning 65, retiring, or moving to the area.
Does it cost anything to get help with Medicare enrollment in Cape Coral?
No. LP Insurance Solutions does not charge for Medicare consultations or enrollment help. Licensed agents are paid by the insurance companies, and a plan’s premium is the same whether you enroll through an agent or on your own. Call (239) 829-0200 to set up a review.
When should I sign up for Medicare if I am turning 65?
Your Initial Enrollment Period is 7 months long: the 3 months before your 65th birthday month, that month, and the 3 months after. Sign up in the first 3 months, and coverage starts on the first day of your birthday month. Use the signup window calculator on this page to see your exact dates.
I am still working at 65. Do I need Part B?
If your employer has 20 or more employees, you can usually delay Part B without a penalty. When that job or coverage ends, you get an 8-month Special Enrollment Period to sign up. Smaller employers often require Medicare to pay first, so confirm the rule with your benefits office before you decide.
What is the difference between Medicare Advantage and a Medicare Supplement?
A Medicare Supplement (Medigap) pays most of the costs Original Medicare leaves behind, and it works with any doctor in the country who accepts Medicare. Medicare Advantage replaces Original Medicare with a private plan that has a network, copays, and a yearly out-of-pocket limit. The comparison table on this page lays out the trade-offs side by side.
Can I change my Medicare plan every year?
Yes. During the Annual Enrollment Period, October 15 through December 7, you can switch Medicare Advantage or Part D plans for coverage starting January 1. From January 1 through March 31, people already in Medicare Advantage can make one more change. Lizzy reviews each client’s plan every fall.
Will my Lee Health doctors accept my Medicare plan?
Doctors who accept Medicare take Original Medicare and Medicare Supplement plans. Medicare Advantage networks are different for each plan and can change every year. Bring a list of your doctors, and Lizzy checks each one against the plans before you choose.
What happens if I miss my Medicare enrollment window?
The Part B late penalty adds 10% to your premium for each full 12-month period you could have had Part B but went without. That penalty lasts as long as you have Part B. Part D has its own monthly late penalty. You can still sign up during the General Enrollment Period, January 1 through March 31, with coverage starting the month after you enroll.
Can I get Medicare help in Spanish?
Yes. LP Insurance Solutions offers Medicare help in Spanish as well as English. Sí, le podemos ayudar con Medicare en español. Llame al (239) 829-0200.
Is LP Insurance Solutions part of the government Medicare program?
No. LP Insurance Solutions is a licensed, independent insurance agency and is not connected with or endorsed by the federal Medicare program. For free, unbiased counseling, you can also call Florida’s SHINE program at 1-800-963-5337 or visit floridashine.org.
Medicare Advantage vs. Medicare Supplement for Cape Coral Retirees
Medicare has four parts. During Medicare enrollment in Cape Coral, most retirees choose between two paths. One is Original Medicare with a Supplement and a Part D plan; the other is Medicare Advantage.
Hospital Insurance
Inpatient hospital stays, skilled nursing after a hospital stay, hospice, and some home health care.
Medical Insurance
Doctor visits, outpatient care, lab work, preventive services, and medical equipment.
Medicare Advantage
Private plans that replace Parts A and B, usually with drug coverage and extras like dental and vision.
Prescription Drugs
Drug coverage from private plans, capped at $2,100 in out-of-pocket costs for 2026.
| What matters | Original Medicare + Supplement + Part D | Medicare Advantage |
|---|---|---|
| Monthly cost | Part B premium, plus a Supplement premium and a Part D premium | Part B premium; many plans add a low or $0 plan premium |
| Doctors and hospitals | Any provider in the U.S. that accepts Medicare | The plan’s HMO or PPO network, which can change each year |
| Costs when you get care | Supplement Plan G pays everything except the Part B deductible | Copays and coinsurance up to a yearly in-network out-of-pocket limit |
| Time away from Florida | Works the same in every state | Routine care usually stays in the local network; emergencies are covered anywhere |
| Prescription drugs | Separate Part D plan | Usually included in the plan |
| Dental, vision, hearing | Not included | Often included |
| Changing later | After your 6-month Medigap open enrollment, insurers can ask health questions | You can switch plans every Annual Enrollment Period |
Medigap Plan F is not sold to people who became eligible for Medicare on or after January 1, 2020. See Medicare.gov: Medigap.
Medicare Enrollment Deadlines and Your Personal Signup Window
Missing a deadline during Medicare enrollment in Cape Coral can mean a penalty that lasts for life. Enter your birth month and year to see the dates that apply to you.
Find Your Medicare Signup Window
For people becoming eligible at 65. Lizzy confirms your dates during a review.
Estimates based on Medicare.gov rules. Your exact dates depend on when you enroll in Part B.
Initial Enrollment Period
3 months before your 65th birthday month, that month, and 3 months after. Your first chance to enroll without a penalty.
Annual Enrollment Period
Switch Medicare Advantage or Part D plans, or move between Advantage and Original Medicare. Changes start January 1.
Medicare Advantage Open Enrollment
People in a Medicare Advantage plan can make one change, including returning to Original Medicare.
General Enrollment Period
For anyone who missed their first window. Coverage starts the month after you sign up, and late penalties may apply.
Special Enrollment Periods
Leaving employer coverage, moving, or a declared disaster can open a window outside the usual dates.
How Living in Cape Coral Changes Your Medicare Decision
A plan that looks right on paper can be the wrong plan for Southwest Florida. Medicare enrollment in Cape Coral should account for these local factors first. They decide which Medicare path fits a Cape Coral retiree.
Lee Health and Plan Networks
Lee Health runs Cape Coral Hospital and several other hospitals across Lee County. Medicare Advantage networks differ by plan and change every year. Check your hospital and specialists against each plan before you enroll, not after.
Seasonal Residents and Snowbirds
Many Cape Coral retirees spend part of the year up north. Original Medicare with a Supplement works the same in every state. An HMO-style Medicare Advantage plan usually covers routine care only in its local network, so split-year living often points toward a Supplement or a PPO.
Hurricane Season and Enrollment
When FEMA declares an emergency or major disaster, Medicare can give people in the affected area extra time to make a plan change they missed. If a storm interrupts your enrollment, call before the window closes so the exception can be used.
Help Paying Medicare Costs
Floridians with limited income may qualify for Medicare Savings Programs or Medicaid through the Florida Department of Children and Families. Extra Help with drug costs is handled by Social Security. Lizzy can tell you which programs to check.
Meet Lizzy Paredes, CIC, Your Medicare Agent in Cape Coral
Lizzy Paredes owns LP Insurance Solutions and has held insurance licenses since 2013. Before that, she worked for the Florida Department of Insurance in Tallahassee. She then spent more than 20 years at the Florida Department of Revenue, retiring as a Service Center Manager. Helping older clients drew her to Medicare, and it remains a core part of her practice.
As an independent Medicare agent in Cape Coral, Lizzy compares plans from several insurance companies instead of selling one company’s products. She sits down with each client, reviews doctors and prescriptions, and explains the options in English or Spanish.
“I love my Insurance agent Lizzy Paredes, she is amazing. I can trust her and she is very knowledgeable in homeowners insurance and a Medicare expert!”
Tina V., Google review
How Medicare Enrollment With LP Insurance Solutions Works: 4 Steps
Medicare enrollment in Cape Coral with LP starts with a free review in the office or by phone. You leave with a side-by-side comparison, whether or not you enroll.
Call or Book a Time
Call (239) 829-0200 or request a review online. Meetings are in English or Spanish.
Bring Your Details
- Medicare card or Social Security letter
- List of doctors and specialists
- Prescriptions with doses
- Preferred pharmacy
- Current plan papers, if any
Compare Plans Side by Side
Lizzy prices premiums, drug costs, and networks for the plans available at your ZIP code.
Enroll and Review Each Fall
If you choose a plan, Lizzy handles the application and checks your coverage again before each Annual Enrollment Period.
Book Free Medicare Enrollment Help in Cape Coral
You may be turning 65, leaving an employer plan, or rethinking your coverage. A free review shows your real 2026 options for Medicare enrollment in Cape Coral before you commit.
LP Insurance Solutions
(239) 829-02001423 SE 16th Pl #103
Cape Coral, FL 33990
Se habla español. Serving Cape Coral, Fort Myers, Bonita Springs, and Estero.
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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
LP Insurance Solutions is a licensed insurance agency registered in Florida (document no. L16000144498). Agent Lizzy Paredes holds Florida insurance license L097151. It is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, premiums, and benefits vary by ZIP code and can change each year. Florida’s SHIP is SHINE, 1-800-963-5337.
Sources:
- Centers for Medicare & Medicaid Services newsroom: 2026 Part A and B premiums and deductibles; 2026 Part D program instructions
- Medicare.gov: enrollment periods, late penalties, Medigap rules
- Social Security Administration: Extra Help