NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) TTY: 711, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Turning 65? Get Local Medicare
Guidance You Can Trust.
Max and Christine Bumgardner are independent Medicare agents based in Lakeland, FL. We help you compare Medicare Advantage, Medigap, Part D, and ACA options from multiple carriers — so you understand your choices and select coverage that fits your healthcare needs, lifestyle, and budget. No-cost consultation.
Max Bumgardner
Licensed Agent
Christine Bumgardner
Licensed Agent
Schedule Your Free Medicare Review
We'll call or text within a few hours — or call us now.
Max Bumgardner
Licensed Agent · FL G033810
Christine Bumgardner
Licensed Agent
Client Resources
Forms and documents you may need before or during your consultation.
Medicare Scope of Appointment
Federal guidelines require a signed SOA form before we can discuss Medicare plans. It protects you by keeping our meeting focused only on what you want to discuss.
Plan Review Questionnaire
Complete this before your consultation and save up to an hour. Helps us prepare personalized plan options specific to your needs and situation.
Best completed on a desktop or laptop.
Complete QuestionnaireTransitioning from Employer Coverage?
The CMS-L564 form verifies your prior employer coverage, protects you from Medicare Part B late penalties, and allows you to use a Special Enrollment Period.
Download CMS-L564 Form"Max walked us through every option clearly. We felt confident in our decision."
Linda T., Lakeland
"Explained everything without pressure. We knew exactly what we were enrolling in."
Robert M., Winter Haven
"Christine helped us enroll on time and avoid penalties. Excellent service."
Sandra K., Polk County
Turning 65? You Have a 7-Month Window — Miss It and Pay Penalties for Life.
Medicare's Initial Enrollment Period opens 3 months before your birthday and closes 3 months after. Enrolling late triggers permanent premium penalties on Part B and Part D. Most people don't know until it's too late.
Your Enrollment Timeline
Why Work With an Independent Local Agent?
Calling an 800-number or going direct to one carrier means you only see that carrier's plans. We're independent — we compare dozens of plans across multiple companies to find what's actually best for you.
We Work for You
Independent agents represent multiple carriers — not one company. You get unbiased, personalized guidance tailored to your doctors, drugs, and budget.
Always $0 to You
Our consultations cost you nothing — ever. Carriers pay us a commission, so there's zero fee to work with us.
Truly Local
Max and Christine live in Lakeland. We know local doctors, networks, and which plans actually work at your preferred providers.
Year-Round Support
We're here after enrollment too — for billing questions, plan changes, and annual reviews every October.
Did You Move? Your Old Plan May Not Cover You.
Relocating to Florida triggers a Special Enrollment Period. Watch this quick video to learn what to do next before your coverage lapses.
Compare Plans in 15 Minutes — No Obligation
Lakeland and Polk County residents get a free side-by-side comparison today.
Medicare & ACA Plans We Help You Compare
We're independent agents — we work for you, not for any single insurance company. That means we compare health insurance options in Lakeland, FL from multiple carriers to find the coverage that fits your needs and budget.
Medicare Advantage Plans
Comprehensive Medicare Advantage plans that often include prescription drug coverage, dental, vision, and wellness benefits.
- Medical Coverage
- Prescription Drugs
- Dental & Vision
- Wellness Programs
Medicare Supplement Insurance
Medigap policies to help cover costs that Original Medicare doesn't pay, like copayments and deductibles.
- Gap Coverage
- Predictable Costs
- Doctor Choice Freedom
- Nationwide Coverage
Medicare Part D
Prescription drug coverage plans to help make your medications more affordable throughout the year.
- Prescription Coverage
- Formulary Options
- Pharmacy Networks
- Cost Savings
ACA Marketplace Plans
Individual and family health insurance plans through the Affordable Care Act marketplace with potential subsidies.
- Individual Plans
- Family Coverage
- Premium Subsidies
- Essential Benefits
Dental, Vision & Hearing
Standalone dental, vision, and hearing plans for Medicare enrollees and ACA members who need coverage Original Medicare does not provide.
- Dental Coverage
- Vision Plans
- Hearing Aid Coverage
- Local Providers
Voluntary Benefits for Employers
Cancer, accident, and hospital indemnity policies for your employees — at no cost to you. Cash paid directly to the employee when they need it most.
- Cancer Insurance
- Accident Insurance
- Hospital Indemnity
- Employee Keeps Coverage
Not Sure Which Plan Is Right for You?
Our local Lakeland agents will walk through your options side-by-side at no cost — no pressure, no obligation. We help you understand coverage that fits your healthcare needs and budget.
Understand Your Options Before You Enroll
In-depth guides covering every Medicare decision — from turning 65 to annual plan changes.
Turning 65 in Florida: Complete Guide
Medicare timeline, Parts A–D, enrollment periods, common mistakes, and FAQs — all in one place.
Start HereMedicare Hub: Central Florida
City-by-city Medicare guides for Polk and Hillsborough County.
View All LocationsMedicare Advantage
All-in-one plans bundling hospital, medical, drug, and often dental and vision coverage.
Learn MoreMedigap Plans
Medicare Supplement plans that cover out-of-pocket gaps. See any doctor who accepts Medicare.
Learn MoreACA Health Insurance
Marketplace plans for individuals under 65. Many Lakeland residents qualify for tax credits.
Learn MoreEnrollment Periods
Annual Enrollment, Open Enrollment, Special Enrollment — know your windows before they close.
View DatesMedicare & Health Insurance Across Central Florida
We serve Polk County, east Hillsborough, and surrounding Central Florida communities. Click below to view Medicare options for your area.