Why you get so many calls
- It's switching season. During Open Enrollment, October 15 to December 7, 2026, anyone with Medicare can change plans for 2027, so sales are packed into these weeks.
- Florida is a huge market. In July 2026, 3,051,948 Floridians had Medicare Advantage, and for 2027 there are 297 Medicare Advantage plans open to everyone statewide from 22 companies (CMS data).
- Some plans are ending. At least 302,773 Floridians in regular Medicare Advantage plans must choose new coverage for 2027, which brings legitimate letters and calls alongside sales calls. See plans ending in 2027.
- Your number gets around. When you answer a TV ad, a mailed reply card or an online form, you may be giving permission for an agent to call.
What Medicare's rules allow
Federal rules bar Medicare Advantage and Part D plans and their agents from cold calls, robocalls, unsolicited texts and voicemails, and door-to-door visits. A call isn't unsolicited if you gave consent or asked to be contacted. Third-party marketing organizations (TPMOs) must also:
- tell you they don't offer every plan in your area and that you can contact Medicare.gov or 1-800-MEDICARE, before discussing benefits;
- tell you if your information will be passed to an agent, or if you're being transferred to an agent who can enroll you;
- share your data with another TPMO only with your prior written consent naming each company that gets it;
- record sales calls and keep them for 6 years.
What Florida law adds
Florida's telephone solicitation law (Fla. Stat. 501.059) requires a sales caller to give their true first and last name and the business they're calling for right away, and to show their number on caller ID. Autodialed or prerecorded sales calls need your prior written consent. Once you say you don't want more calls, the seller can't call you again. The Florida Department of Agriculture and Consumer Services (FDACS) keeps the Florida Do Not Call list and takes complaints.
What to do when they call
- Don't give your Medicare number. Nor your Social Security number or bank details to anyone who called you out of the blue.
- Ask who's calling. Get the agent's full name, company and license number or NPN, and check the license.
- Say "don't call me again." Note the date, time and number.
- Register your number. On the Florida Do Not Call list and the National Do Not Call Registry, 1-888-382-1222.
- Report it. To 1-800-MEDICARE if you were enrolled without permission or pressured; to FDACS for unwanted calls; and to DFS, 1-877-693-5236, if it was an insurance agent.
If you'd rather talk with someone you chose, you can request a call from a licensed insurance agent.
Related questions
How do I complain about a Medicare agent?
DFS and 1-800-MEDICARE.
How do I check an agent's license?
DFS Licensee Search.
Is this Medicare call a scam?
Signs of fraud.
Sources
- eCFR — 42 CFR 422.2264, beneficiary contact
- eCFR — 42 CFR 422.2267(e)(41), TPMO disclaimer
- eCFR — 42 CFR 422.2274(g), TPMO oversight
- Fla. Stat. 501.059 — Telephone solicitation
- Florida Department of Agriculture and Consumer Services — Florida Do Not Call
- FTC — National Do Not Call Registry FAQs
- Florida Department of Financial Services — Get insurance help
More questions in this guide
- How can I help my parent with Medicare in Florida as a caregiver?
- How do I check if a Medicare insurance agent is licensed in Florida?
- How do I file a complaint against a Medicare insurance agent in Florida?
- How do I appeal a hospital discharge in Florida if I'm not ready to go home?
- How do I appeal a Medicare denial in Florida?
Part of the guide: Florida Medicare contacts · All questions
Frequently asked questions
Does Medicare call me to switch plans?
No. Medicare.gov says Medicare will never call you to sell you anything or visit you at your home. It calls only in limited cases, such as returning a call you made. If someone says they're calling "from Medicare" to offer a plan, hang up.
I answered a TV ad. Can they call me now?
Generally, yes. Federal rules say a call isn't "unsolicited" if you gave consent or asked to be contacted, for example by calling a number from an ad or filling out a form. You can still tell them to stop calling.
A caller says my plan is ending. Is that true?
It might be: some plans end in 2027, and affected members get a letter from the plan. Check the letter, the number on your plan card or 1-800-MEDICARE before you give out any information. See plans ending in 2027.
How do I stop these calls?
Say clearly that you don't want more calls; Florida law bars the seller from calling you again after that. Add your number to the Florida Do Not Call list and the National Do Not Call Registry (1-888-382-1222), and report calls that keep coming.
Medicare in your Florida county
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