Charlotte County Final Expense Plans

Port Charlotte-area carriers, real enrollment data, free quotes from a licensed Florida agent.

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M&R

Matt & Robin Giron

Licensed in Texas and Florida

Charlotte County at a glance

Population (2024 ACS): 197,000
Medicare beneficiaries: 80,000
MA penetration: 48%
Age 65 or older: 41%

What makes Charlotte County different: Port Charlotte / Punta Gorda — 41% age 65+. Hurricane Ian (2022) rebuild ongoing; Term Life + property-loss conversations.

Top carriers in Charlotte County

Humana Gold Plus H1036 (HMO)

4-star CMS rating
Florida Blue BlueMedicare (HMO)

4-star CMS rating
Aetna Medicare Premier (PPO)

4-star CMS rating

Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.

Want to talk it through?

Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Charlotte County plans that fit your situation.

Local resources in Charlotte County

SHIP counseling: Florida SHINE — Charlotte — 1-800-963-5337
Major hospitals: ShorePoint Health Port Charlotte, Bayfront Health Punta Gorda, Fawcett Memorial Hospital

Frequently Asked Questions

How many people live in Charlotte County?

Charlotte County has about 197,000 residents per the 2024 ACS 5-year estimates; 41% are age 65 or older.

Who are the top insurers in Charlotte County?

The largest carriers in Charlotte County are Humana Gold Plus H1036 (HMO), Florida Blue BlueMedicare (HMO), Aetna Medicare Premier (PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.

What state resources are available in Charlotte County?

Florida SHINE — Charlotte (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include ShorePoint Health Port Charlotte, Bayfront Health Punta Gorda, Fawcett Memorial Hospital.