Coastal Palms Health Group

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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 policy, 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.

10/13/2026

📣 Medicare Open Enrollment is here! don’t forget to do this!

Happy with your current Medicare Advantage or Part D plan? If it’s continuing for 2027 and you remain eligible, your coverage generally renews automatically without you having to re-enroll.

Before you let it renew, take a few minutes to check these three things:

📬 Review your Annual Notice of Change (ANOC). This shows what’s changing in your coverage and costs from 2026 to 2027.

💊 Check your medications. Plans can change their formulary, the list of covered drugs, including adding or removing medications and changing drug tiers. Your cost could change, too, including going from a flat copay to coinsurance, where you pay a percentage of the cost.

🩺 Confirm your network. If you have a Medicare Advantage HMO or PPO, make sure the doctors, clinics, hospitals, and facilities you want to use will still be in network for 2027.

Being happy with your plan today doesn’t mean you should skip reviewing it for next year!

🌴 Need help reviewing your coverage? Reach out to Nicci and me at Coastal Palms Health Group to schedule a consultation. Let’s make sure your coverage continues to fit your needs.

941-400-5218

10/07/2026

🌴 83 DAYS OF MEDICARE

Can you use your Medicare anywhere in the country?

The answer depends on how you receive your Medicare benefits.

If you have Original Medicare with a Medicare Supplement/Medigap plan, you generally have the flexibility to see providers nationwide who accept Medicare and are accepting new Medicare patients.

With Medicare Advantage, it works differently because these plans have provider networks.

🏥 An HMO will typically have a smaller, more local network.

🌎 A PPO may give you access to a larger network and more flexibility, but that still doesn’t necessarily mean you can simply see any provider you want anywhere in the country.

That’s why it’s so important to understand the network that comes with your coverage. Especially when choosing between Original Medicare and Medicare Advantage.

The question isn’t just, “Do they accept Medicare?”

It’s also: “How do I receive my Medicare benefits, and is this provider available to me under my coverage?”

Follow along as we continue breaking Medicare down one topic at a time through December 7! 🌴

10/06/2026

🚨 NURSE NICCI SAYS: OPEN. YOUR. MEDICARE. MAIL. 📬

I know Medicare mail is not exactly exciting. 😂 But 2027 is NOT the year to toss those envelopes on the counter and assume everything is staying the same.

We are seeing major Medicare changes in both Florida and Minnesota.

Here in Florida, Lee Health will be out-of-network beginning January 1, 2027 for affected UnitedHealthcare Medicare Advantage plans, and NCH has announced that Wellcare and HealthSpring Medicare Advantage will no longer be in-network beginning January 1.

And in Minnesota, Blue Cross and Blue Shield of Minnesota is restructuring its Medicare portfolio for 2027. Most current Blue Cross Medicare Advantage plans are being discontinued at the end of 2026 and replaced with new offerings. Impacted members are receiving personalized letters explaining their options. Blue Cross says its Medicare Supplement, Cost and standalone prescription drug offerings are continuing.

That is exactly why I keep saying:

An insurance change can become a healthcare change VERY quickly.

Your doctors.
Your specialists.
Your hospitals.
Your medications.
Your costs.

That letter sitting on your kitchen counter may contain information you actually need for 2027.

👩‍⚕️ As a nurse, I look at Medicare through the healthcare lens. Tom brings the Medicare and retirement planning expertise. Together, we bring 40+ years of combined experience helping people navigate these decisions.

🌴 Coastal Palms Health Group serves Florida + Minnesota, coast to coast.

If you received a Medicare letter and have absolutely no idea what it means, bring it to us. We’ll help you understand it.

📞 Complimentary Medicare consultations: 941-400-5218

💬 Have you received your 2027 Medicare paperwork yet? Comment MAIL below. Please don’t share personal health or insurance information publicly.

❤️ Share this with a parent, neighbor, snowbird, or friend on Medicare. They may have no idea how much is changing.

Don’t panic. Don’t blindly renew. Let’s review. 🌴

LakewoodRanch

10/04/2026

🌴 83 DAYS OF MEDICARE. WHAT IS A MEDICARE SUPPLEMENT / MEDIGAP PLAN?

First things first…

Medicare Supplement and Medigap are two names for the same thing.

A Medigap plan works alongside Original Medicare (Parts A & B) and helps cover certain costs that Original Medicare leaves behind.

A few important things to know:

🏥 You keep Original Medicare Parts A & B
🇺🇸 You can generally see any provider nationwide who accepts Medicare
👨‍⚕️ Generally, no referrals are needed to see a specialist
💰 Medigap can help cover deductibles, copays and coinsurance depending on the plan
💊 Prescription drug coverage is generally handled separately through Part D
📋 Plans are standardized by letter, you’ve probably heard of Plan G or Plan N

And one BIG point:

Medigap is NOT Medicare Advantage.

They’re two very different ways of structuring your Medicare coverage, and understanding those differences is incredibly important when deciding which direction makes sense for you.

That’s exactly why we’re doing 83 Days of Medicare, this stuff down into plain English, one topic at a time.

📲 Turning 65, retiring, moving to Florida, or already on Medicare and have questions? Send us a message. We’d be happy to help.

10/01/2026

❄️➡️🌴 MINNESOTA SNOWBIRDS… YOU’RE IN LUCK!

Tom and I serve all of Minnesota and Florida, coast to coast, so if you’re escaping the northern winter for sunshine, golf, beaches, and anything warmer than -40° 😂, your Medicare coverage should be part of the travel checklist too.

Here’s the question:

Does your Medicare coverage actually work the way you think it does in BOTH states?

If you have Medicare Advantage, provider networks and service areas can matter, especially for non-emergency care. Some plans offer out-of-network benefits, but the rules and costs can vary.

If you have Original Medicare with a Medicare Supplement, your provider access may look very different because Original Medicare generally allows you to use any doctor or hospital in the U.S. that accepts Medicare.

And if Florida is becoming more than your winter getaway and you officially move your residence, that move may give you a Special Enrollment Period to review Medicare Advantage or Part D options available in your new service area.

So before you pack the flip-flops, golf clubs, sunscreen, and half the house…

make sure your Medicare fits your actual snowbird lifestyle.

At Coastal Palms Health Group, we help individuals and families navigate Medicare, healthcare, and retirement planning in Florida and Minnesota, with more than 40 years of combined experience.

📞 Schedule your complimentary Medicare consultation: 941-400-5218

💬 Snowbirds, tell us: Minnesota ➡️ Florida, what month are you escaping the cold? 😂👇

❤️ Share this with your favorite snowbird.

Workshop Update ☕🌴Our Retirement, Interrupted: Long-Term Care, The Care, The Cost & The Plan workshop has officially bee...
09/30/2026

Workshop Update ☕🌴

Our Retirement, Interrupted: Long-Term Care, The Care, The Cost & The Plan workshop has officially been rescheduled for:

Wednesday, October 14th at 5:15 PM

If you were interested in attending but didn’t get a chance to confirm your reservation, we’d still love to connect with you. In the meantime, we’re offering a complimentary Coffee & Conversation where you can sit down with us one-on-one, ask questions, and talk through Medicare, healthcare, long-term care, retirement planning, asset protection, and legacy planning in a relaxed setting.

With over 40 years of combined experience in healthcare, Medicare, and retirement planning, our goal is to make these conversations easier to understand and a lot less overwhelming.

☕ Coffee is on us.
🌴 Conversation is complimentary.
📅 New workshop date: Wednesday, October 14th at 5:15 PM

Message us to reserve your workshop spot or schedule a Coffee & Conversation.

Coastal Palms Health Group
Serving Lakewood Ranch, Sarasota, Bradenton and surrounding Florida communities.

LongTermCare

09/30/2026

🌴 83 DAYS OF MEDICARE — WHAT IS A MEDICARE SUPPLEMENT / MEDIGAP PLAN?

First things first…

Medicare Supplement and Medigap are two names for the same thing.

A Medigap plan works alongside Original Medicare (Parts A & B) and helps cover certain costs that Original Medicare leaves behind.

A few important things to know:

🏥 You keep Original Medicare Parts A & B
🇺🇸 You can generally see any provider nationwide who accepts Medicare
👨‍⚕️ Generally, no referrals are needed to see a specialist
💰 Medigap can help cover deductibles, copays and coinsurance depending on the plan
💊 Prescription drug coverage is generally handled separately through Part D
📋 Plans are standardized by letter. You’ve probably heard of Plan G or Plan N

And one BIG point:

Medigap is NOT Medicare Advantage.

They’re two very different ways of structuring your Medicare coverage, and understanding those differences is incredibly important when deciding which direction makes sense for you.

That’s exactly why we’re doing 83 Days of Medicare. Breaking this stuff down into plain English, one topic at a time.

📲 Turning 65, retiring, moving to Florida, or already on Medicare and have questions? Send us a message. We’d be happy to help.

09/28/2026

🚨 SARASOTA MEDICARE 2027 ALERT

If Sarasota Memorial Health Care System or First Physicians Group is part of your healthcare, this is one you should not scroll past.

Sarasota Memorial says its agreement with UnitedHealthcare remains in effect through December 31, 2026, but it expects UnitedHealthcare to remove Sarasota Memorial and First Physicians Group from its Medicare Advantage network beginning January 1, 2027.

As a nurse, this is exactly why I keep reminding people that Medicare is about more than premiums and extra benefits.

It’s about whether you can still see:

Your doctor.
Your specialist.
Your hospital system.
Your care team.

If Sarasota Memorial is important to you, 2027 is not the year to blindly renew your Medicare plan.

At Coastal Palms Health Group, Tom and Nurse Nicci bring more than 40 years of combined experience in healthcare, Medicare, and retirement planning, helping individuals and families navigate Medicare in Lakewood Ranch, Sarasota, Bradenton, Manatee County, Sarasota County, Florida, and Minnesota.

📞 Schedule your complimentary Medicare consultation: 941-400-5218

💬 Do you use Sarasota Memorial or First Physicians Group? Comment SMH below.

❤️ Share this with someone on Medicare in Sarasota or Manatee County. They may not know this change is coming.

Don’t panic. Don’t blindly renew. Let’s review. 🌴

09/23/2026

🌴 DAY 9 OF 83 DAYS OF MEDICARE!

We’ve covered Medicare Parts A, B, C and D.

Now let’s put the pieces together.

When it comes to receiving your Medicare benefits, there are two main paths:

1️⃣ Original Medicare
🏥 Part A + 🩺 Part B
💊 You can add Part D for prescription drugs
➕ You can also purchase a Medicare Supplement (Medigap) policy to help with some of the costs Original Medicare doesn’t cover.

2️⃣ Medicare Advantage (Part C)
🔄 You still have Parts A and B, but you receive those benefits through a private Medicare Advantage plan.
💊 Most plans include prescription drug coverage
🦷👓 Many plans offer additional benefits such as dental, vision, hearing and fitness benefits.

There are some BIG differences between these two paths. Provider networks, out-of-pocket costs, travel considerations, additional benefits and more.

And here’s the important part:

There isn’t one Medicare option that’s automatically right for everyone.

Your doctors, prescriptions, budget, travel habits and personal preferences all matter.

Over the next several days, we’re going to start digging into these differences so you can better understand how Medicare actually works.

📲 Have questions about your Medicare coverage or want help reviewing your options for 2027? Send us a message.

09/22/2026

🚨 FLORIDA MEDICARE 2027: IS YOUR COVERAGE CHANGING?

If you’re on Medicare in Florida, this is NOT the year to throw that insurance mail in a drawer! 📬

We’re seeing significant Medicare Advantage and provider-network changes, including developments involving Lee Health, UnitedHealthcare, NCH, Humana, and other carriers.

And as a nurse, here’s the part I really want you to understand: An insurance change can become a healthcare change very quickly.

Your doctors. Your specialists. Your hospitals. Your prescriptions. It ALL matters.

🌴 That’s where Coastal Palms Health Group comes in.

Tom and I bring over 40 years of combined experience in healthcare, Medicare, and retirement planning. We understand both sides of the conversation: your insurance coverage AND the care you rely on.

We’re helping individuals and families navigate their Medicare options in Lakewood Ranch, Sarasota, Bradenton, Fort Myers, Cape Coral, Naples, and throughout Florida and Minnesota.

❤️ LET’S TALK! Are you concerned about your Medicare plan changing for 2027? Have you received a notice from your insurance company?

Tell us in the comments! Just don’t share personal medical or insurance information publicly.

And please SHARE this with a parent, friend, neighbor, or family member on Medicare. They may not even realize changes are coming!

📞 Complimentary Medicare consultations: 941-400-5218

🌐 coastalpalmshealthgroup.com

Don’t panic. Don’t blindly renew. Let’s review!

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

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