Health Insurance and Medicare Help for Feather Sound Residents
Reviewed by Steve Turner, CLU, REBC · Florida License W333468 · November 2026
Feather Sound is a small unincorporated community in mid-Pinellas County, between St. Petersburg and Clearwater, right beside St. Pete–Clearwater International Airport and the Gateway office corridor. Many people here are at a point where their health coverage is about to change: a new job, a buyout, early retirement, or a 65th birthday.
I’m Steve Turner, a licensed Florida health insurance agent and Registered Employee Benefits Consultant (REBC). My office is in Carrollwood on North Dale Mabry, across the bay. Most of my Feather Sound clients work with me by phone or video, and I meet in person by appointment. My help costs you nothing; the insurance company pays me, and your premium is the same as buying direct.
When your coverage changes with your job
If you leave or lose a job with health benefits, you have 60 days to enroll in a new plan through a Special Enrollment Period. You’ll usually be choosing between two options:
- COBRA. You keep the same plan, doctors, and deductible progress, but you pay the full premium your employer used to subsidize, plus an admin fee.
- An individual (ACA) plan. Premiums are set by your age and county, and subsidies are based on your expected household income for the year. A severance gap or mid-year job change often means lower income, which can mean more help.
I run both side by side, including what you’ve already paid toward this year’s deductible, before you decide.
Retiring before 65
If you retire at 58 or 62, you need coverage that lasts until Medicare. ACA plans can’t turn you down or charge more for pre-existing conditions. Watch your modified adjusted gross income: traditional IRA and 401(k) withdrawals count toward it, and that can raise or lower your subsidy by thousands. Before you set up your withdrawal plan, it’s worth a call with your tax advisor and me.
Turning 65 in Pinellas County
Your Initial Enrollment Period lasts seven months, centered on the month of your 65th birthday. You’ll choose between:
- Medicare Supplement (Medigap) + Part D. Predictable costs, and you can see any Medicare-accepting provider in the country. Your best chance to buy without health questions is the six months after your Part B starts.
- Medicare Advantage. Often a low or $0 premium with extras like dental, but you use a network, and plan options depend on your county.
I represent 7 organizations offering 70 products in this area, so I can show you the Pinellas plans side by side.
Your doctors and hospitals come first
Before I recommend anything, I check your doctors, hospital, and prescriptions against the plan’s network and drug list. Feather Sound residents tend to use mid-Pinellas facilities such as HCA Florida Largo Hospital, HCA Florida Northside Hospital, St. Anthony’s in St. Petersburg, and Morton Plant in Clearwater. Network rules differ even inside one insurer. A narrower Florida Blue network can cost less but leave out a hospital you rely on.
Feather Sound questions
Do you have an office in Feather Sound? No. My office is at 14502 N Dale Mabry Hwy in Tampa. I serve Feather Sound by phone, video, and in person by appointment, and we can also sign paperwork electronically.
My child is turning 26 and coming off my plan. What are their options? Turning 26 and aging off a parent’s plan opens a Special Enrollment Period. Depending on their income, they may qualify for a subsidized ACA plan, and I can check whether their current doctors are in-network before they choose.
Which ZIP and county am I priced in? Feather Sound is ZIP 33762 in Pinellas County. Florida sets ACA prices and Medicare Advantage plan lists by county, so you’ll see Pinellas plans, not Hillsborough ones.
Talk with Steve
Call or text (813) 388-8373, 7 a.m.–8 p.m., seven days a week, or book a call. Bring your current card, your doctors’ names, and your prescription list.
Related: Medicare Supplement plans · Individual & family health insurance · Pinellas County · All areas we serve
OUR CLIENT REVIEWS
CONTACT STEVE TURNER, LICENSED INSURANCE AGENT & BROKER
Questions? Call, text, or book a time below; I answer calls and emails 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
EMAIL ME: 24×7
OFFICE LOCATION
Website: steveturnerinsurancespecialist.com
Email: [email protected]
Phone and Text: +1-813-388-8373
Business Hours:
Monday: 7:00 a.m. / 8:00 p.m.
Tuesday: 7:00 a.m. / 8:00 p.m.
Wednesday: 7:00 a.m. / 8:00 p.m.
Thursday: 7:00 a.m. / 8:00 p.m.
Friday: 7:00 a.m. / 8:00 p.m.
Saturday: 7:00 a.m. / 8:00 p.m.
Sunday: 7:00 a.m. / 8:00 p.m.
MEDICARE STATEMENT
We do not offer every plan available in your area. Currently, we represent 7 organizations that offer 70 products in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE for information on all your options.
Steve Turner is a licensed insurance agent and is not connected with or endorsed by the United States Government or the Federal Medicare Program. The Medicare Annual Enrollment Period is October 15 to December 7.
There’s no one-size-fits-all answer. Carefully consider your health status, expected medical needs, prescription drugs, budget, preferred doctors and hospitals, and how comfortable you are with network rules. During the Annual Enrollment Period, you can use the Medicare Plan Finder at Medicare.gov to research plans available in your Florida county, compare costs and benefits, and get free, unbiased counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program at floridashine.org or 1-800-963-5337. You can also call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), 24 hours a day, 7 days a week.
Steve Turner
Steve Turner, CLU®, REBC® Licensed Florida health insurance agent · License W333468
Steve Turner is a licensed agent and broker and a long-standing member of the National Association of Benefits and Insurance Professionals NABIP®, the preeminent organization for health insurance and employee benefits professionals, and works diligently to ensure all Americans have access to high-quality, affordable healthcare and related services. Steve also holds the prestigious Registered Employee Benefits Consultant® (REBC®) designation. Steve also holds the “Chartered Life Underwriter” designation (CLU®), a professional credential for individuals specializing in life insurance and estate planning. The American College of Financial Services confers it. For over 10 years, Steve has helped individuals, families, Medicare beneficiaries, and small businesses find the right coverage to meet their needs. Steve has earned 180+ Google reviews from happy clients.
Steve Turner is a licensed agent appointed by Florida Blue.