Coastal Palms Health Group

Coastal Palms Health Group Navigating Retirement with Confidence 🌴
Your retirement journey has many moving pieces, and our mission is to help simplify the process. Stay Coastal 🌴

🌴 Medicare & Retirement Guidance Made Simple
Lakewood Ranch + Sarasota, FL
Medicare Advantage • Supplements • Part D
Long-Term Care • Life Insurance • Annuities
Family-Owned | Nurse-Led Support
Stay Coastal 🌴 About Coastal Palms Health Group 🌴

Your Lakewood Ranch & Sarasota Retirement Solutions Resource
At Coastal Palms Health Group, we believe retirement planning is about more than choosing a po

licy, it’s about protecting your health, your lifestyle, your family, and your future. We are a family-owned retirement solutions practice based in Lakewood Ranch, Florida, proudly serving Sarasota, Bradenton, Parrish, Venice, Tampa Bay, and communities throughout Florida. Founded by husband-and-wife team Tom & Nicci Barilla, Coastal Palms combines decades of experience in Medicare, insurance, healthcare, and client advocacy to provide personalized education and guidance through some of life’s biggest transitions. We provide guidance and education for:
🌴 Medicare Planning & Education
🌴 Medicare Advantage Plans
🌴 Medicare Supplement (Medigap) Options
🌴 Prescription Drug Coverage (Part D)
🌴 Long-Term Care Planning Strategies
🌴 Life Insurance Solutions
🌴 Retirement Income Planning
🌴 Annuity Strategies
🌴 Legacy & Family Protection Planning
🌴 Florida Retirement Relocation Support

Whether you are preparing for retirement, turning 65, relocating to Florida, protecting your retirement savings, or planning for future healthcare needs, we are here to help you navigate the journey. A Different Kind of Retirement Experience
At Coastal Palms Health Group, you are not just another appointment. We built our practice around education, relationships, and trust - bringing back the personal experience many people feel has disappeared in today’s world of call centers and confusing information. Tom brings extensive Medicare and retirement planning experience, continuing a family legacy that began in 1987 helping individuals navigate their healthcare decisions. Nicci brings a healthcare background as a Licensed Practical Nurse, offering a unique perspective on patient advocacy, healthcare systems, aging, and family support. Together, we bridge the gap between insurance, healthcare, and real-life retirement needs. Proudly Serving the Coastal Community 🌴
As Lakewood Ranch residents and local business owners, our commitment goes beyond retirement planning. We believe in relationships, community, and supporting the place we call home. From local partnerships and small businesses to youth sports and community involvement, we are proud to be part of the Sarasota and
Manatee County community. Our mission is simple:
To help you feel educated, supported, and confident as you navigate retirement’s changing tides. Welcome to the Coastal Family.

09/02/2026

🚨 ANOTHER BIG MEDICARE SHAKEUP IN SOUTHWEST FLORIDA.

First, Lee Health + UnitedHealthcare. Now, NCH + HealthSpring and Wellcare.

If one of these health systems or Medicare Advantage plans is part of your healthcare, DON’T PANIC. But don’t ignore this either.

Beginning January 1, 2027, major provider-network changes are expected to affect Medicare beneficiaries across Naples, Fort Myers, Cape Coral, Bonita Springs, Estero and Southwest Florida.

As a nurse, this is where I want you looking beyond the insurance card. 🩺

Your doctors. Your specialists. Your hospital. Your prescriptions. Your continuity of care.

There are still great options available. Our job is to help you understand them and check the pieces that matter to YOUR healthcare before you make a decision.

🌴 Don’t panic. We’ve got you.

📲 Message Coastal Palms Health Group if you think you may be affected.

Medicare MedicareAdvantage

🚨 ANOTHER major Medicare change is coming to Southwest Florida.This time, it’s Collier County.Beginning January 1, 2027,...
09/02/2026

🚨 ANOTHER major Medicare change is coming to Southwest Florida.

This time, it’s Collier County.

Beginning January 1, 2027, NCH has announced changes involving Wellcare and Cigna/HealthSpring Medicare Advantage plans.

And coming on the heels of the Lee Health + UnitedHealthcare news, I know this is starting to feel like a LOT for our Southwest Florida Medicare community. ❤️

Please don’t panic. But please don’t ignore these changes either.

As a nurse, my concern isn’t simply what insurance card is in your wallet. It’s whether you can continue seeing the doctors and specialists you trust, access your preferred hospital, and get the medications and care you need.

This is shaping up to be a very important year to actually review your Medicare coverage instead of automatically letting your current plan roll over.

If you’re in Naples, Bonita Springs, Estero, Fort Myers, Cape Coral or anywhere in Southwest Florida and you’re wondering whether these changes could affect you, reach out. We’re happy to help you understand what’s changing and review your options as the 2027 information becomes available.

🌴 Nurse Nicci | Tom Medicare & Retirement Expert
Coastal Palms Health Group

Your health. Your doctors. Your choice.

Medicare CollierCounty FloridaMedicare Medicare2027

09/01/2026

DAY 6 OF 7: “My Kids Will Take Care of Me.” 👨‍👩‍👧‍👦

I hear this all the time when talking about long-term care.

And maybe your kids absolutely will help. But what does “take care of me” actually mean?

Are they helping with meals and appointments? Managing medications? Helping you bathe and get dressed? Getting up during the night? Providing supervision if you develop dementia? Cutting back at work, or, even leaving a career?

There’s a big difference between your children helping coordinate your care and having to provide all of your care.

A better plan may allow you to live with family while using your own assets or insurance benefits to bring professional caregivers into the home.

❤️ Your children can be part of your long-term-care plan. They shouldn’t have to BE the entire plan.

Long-term-care planning isn’t only about protecting your money. It’s also about protecting the people you love.

🌴 Have questions about your own long-term-care plan? We offer complimentary consultations.

📱 Call or text 941-400-5218
💬 Or message us on Facebook or Instagram.

Tomorrow — Day 7: What happens if there’s no insurance, the money starts running out, and your family can’t provide the care you need? Who pays then?

08/28/2026

🚨 Lee Health + UnitedHealthcare: DON’T PANIC.

If you have a UnitedHealthcare Medicare Advantage plan and use Lee Health, the recent announcement about 2027 probably got your attention.

The good news? You have time AND you may have options.

As a nurse, I look at Medicare coverage through a healthcare lens first: your doctors, specialists, prescriptions and continuity of care all matter. This is one year you’ll want to take a closer look before simply letting your Medicare plan roll over.

🌴 If you’re in Fort Myers, Cape Coral, Estero, Bonita Springs or Southwest Florida and this change may affect you, send us a message. We’ll help you understand your options when the 2027 plans become available.

Don’t panic. Get informed. Have a plan. ❤️

🚨 BIG MEDICARE NEWS FOR SOUTHWEST FLORIDA 🚨If you use Lee Health AND UnitedHealthcare, this is something you need to hav...
08/27/2026

🚨 BIG MEDICARE NEWS FOR SOUTHWEST FLORIDA 🚨

If you use Lee Health AND UnitedHealthcare, this is something you need to have on your radar for 2027.

Lee Health has announced it will end its hospital and physician contracts with UnitedHealthcare effective December 31, 2026, impacting certain plans, including UnitedHealthcare Medicare Advantage.

But please, don’t panic and don’t start changing plans today. You have time, and depending on your coverage, you may have options.

The real question becomes: Is keeping your Lee Health doctors your priority, or is staying with your UnitedHealthcare plan more important?

That answer is different for everyone. And your doctors, specialists, prescriptions and preferred hospitals all need to be considered before making a decision.

🌴 Coastal Palms Health Group is here to help. We serve Medicare beneficiaries throughout Southwest Florida, including Fort Myers, Cape Coral, Estero, Bonita Springs, Naples, Sarasota, Bradenton and Lakewood Ranch.

If you’re affected or you’re helping a parent or loved one figure this out, reach out to us. We can review your situation and help you understand your 2027 Medicare options at no cost to you.

📞 (941) 400-5218

Please share this with someone who uses Lee Health + UnitedHealthcare. They may be very glad you did.

08/26/2026

DAY 5 OF 7: Sharing the Long-Term Care Risk 🌴

Yesterday we talked about self-funding your care. But what if you don’t want your retirement assets carrying 100% of that risk?

There are several ways we can potentially share that cost with an insurance company:

🛡️ Traditional long-term care insurance
❤️ Hybrid life insurance + long-term care
💰 Life insurance with LTC/chronic illness benefits
📈 Certain annuity-based strategies

The goal doesn’t necessarily have to be insuring every dollar of future care.

Maybe you self-fund a portion and use insurance to help protect against a larger, longer-lasting care event.

It’s not always all or nothing. The goal is to decide how much risk you’re comfortable keeping, and how much you’d rather transfer.

🌴 Have questions about which strategy might fit your retirement? We offer complimentary consultations.

📱 Call or text 941-400-5218
💬 Or message us right here on Facebook or Instagram.

Tomorrow — Day 6: “My kids will take care of me.”

That might be the plan…but have you thought about what that could actually mean for your kids?

08/24/2026

DAY 4 OF 7: Self-Funding Your Long-Term Care 🌴💰

So, who’s going to pay for your long-term care?

Option #1: You are.

Self-funding means using your own assets, savings, investments, retirement accounts, income, annuities or home equity to cover the cost of care.

For someone with significant assets, that may be a perfectly good strategy.

But here’s the question:

Just because you CAN afford to self-fund your care… does that mean you WANT to?

A $300,000–$500,000 long-term-care event could mean hundreds of thousands of dollars that no longer go toward your retirement, your spouse, or your family.

Self-funding can be a plan. Just make sure it’s an intentional one.

🌴 Have questions about your long-term-care strategy? We offer complimentary consultations.

📱 Call or text 941-400-5218
💬 Or message us on Facebook or Instagram.

Tomorrow — Day 5: Instead of keeping all of the risk yourself, what if you transferred some of it to an insurance company?

08/21/2026

🚨 “Yes, we take Medicare.”

Great… but do they take YOUR Medicare plan? 👀

Those are NOT always the same thing, and finding that out when you’re standing at the doctor’s office is not the time you want the surprise.

👩🏼‍⚕️ Nurse Nicci explains what you should actually be checking when it comes to your doctors, specialists, hospitals and Medicare coverage.

🌴 Recently moved to Florida? This is especially important for you.

At Coastal Palms Health Group, we look beyond the insurance card and help you understand how your coverage fits your actual healthcare needs.

📍 Lakewood Ranch • Sarasota • Bradenton • Florida

❤️ Save this. Share it. And follow for more Medicare tips before Annual Enrollment.

08/20/2026

🚨 Think long-term care means a nursing home? Think again.

One of the biggest misconceptions we hear when talking about Medicare and retirement planning, is that long-term care automatically means moving into a nursing home.

It doesn’t.

🌴 DAY 2 of our 7-Day Long-Term Care Planning Series: Where will you receive care?

Long-term care can happen in many different places:

🏡 In your own home with in-home care
👨‍👩‍👧 In a family member’s home
☀️ Through an adult day care program
🌴 In independent or assisted living
🧠 In a specialized memory care community
🏥 In a skilled nursing facility

And for many families, care isn’t one destination. It’s a progression.

You may start with a little help at home. As your needs change, you may require professional caregivers or nursing support. Eventually, assisted living, memory care, or skilled nursing may become necessary.

Here’s the part families often don’t think about until they’re already in it:

💰 Every one of those choices comes with a very different price tag.

And Medicare generally does not pay for ongoing custodial long-term care simply because you need help with everyday activities.

That’s why long-term care planning needs to happen before there’s a crisis.

The question isn’t only:

“Will I need long-term care?”

It’s:

“If I need care someday, WHERE do I want to receive it, WHO do I want caring for me, and HOW will I pay for it?”

Those three questions can have a tremendous impact on your retirement savings, your spouse, your children, and the legacy you've worked your entire life to build.

👀 Tomorrow is Day 3, and we’re talking NUMBERS.

What does in-home care actually cost?
What about adult day care? Assisted living? Memory care? Skilled nursing?

And here's the one that may surprise you:

Staying at home isn't necessarily the inexpensive option people think it is.

Follow along for Day 3: What Does Long-Term Care Actually Cost?

🌴 Coastal Palms Health Group
Medicare • Retirement Planning • Long-Term Care Planning
Serving Lakewood Ranch, Sarasota, Bradenton and communities throughout Florida, with clients in Florida, Minnesota & Wisconsin.

08/20/2026

DAY 3: What Will Your Care Cost? 🌴💰

Yesterday we talked about where you might receive long-term care. Today we’re putting some numbers behind those choices.

And this is where the conversation gets real.

Here are some current national ballpark costs for different levels of care:

🏠 In-home, non-medical care: ~$35/hour
☀️ Adult day care: ~$100/day
🏡 Assisted living: ~$6,000/month
🧠 Memory care: ~$7,000–$9,000+/month
👩‍⚕️ Skilled nursing care at home: ~$90/hour
🏥 Nursing home — semi-private room: ~$9,000–$10,000/month
🏥 Nursing home — private room: ~$10,500–$11,000/month
💰 Private nursing-home care for one year: ~$130,000/year

Now start doing the math…

📆 3 years at $100,000/year = $300,000
📆 5 years at $100,000/year = $500,000

And here’s the part I really want people in their 50s and early 60s thinking about:

Those are today’s numbers.

If you don’t need care for another 20, 25 or 30 years, what will these services cost then?

You can spend decades building a great retirement portfolio, but a significant long-term-care event can consume hundreds of thousands of dollars that were supposed to provide income for you and your spouse or eventually pass to your family.

That’s why long-term-care planning isn’t simply about buying insurance.

It’s about answering a much bigger question:

If you need care someday, where is the money going to come from?

Tomorrow for Day 4, we’re starting with the first answer: your own money.

Can you self-fund long-term care? Absolutely.

But just because you can afford to pay for it yourself… does that mean you should? 👀

Address

9040 Town Center Parkway
Sarasota, FL
34202

Opening Hours

Monday 7am - 6pm
Tuesday 7am - 6pm
Wednesday 7am - 6pm
Thursday 7am - 6pm
Friday 7am - 12pm
Saturday 10am - 2pm
Sunday 10am - 2pm

Telephone

+16514721013

Website

, ,

Alerts

Be the first to know and let us send you an email when Coastal Palms Health Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Coastal Palms Health Group:

Shortcuts

Share

Category