Searching for The Best Medicare Supplement Plans Available In Yulee, Florida?
Tailored Medigap Plan quotes for Nassau County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Yulee: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Yulee Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Yulee or turning 65 soon, we help residents across Nassau County find Medigap coverage that fits their health needs and budget. From covering those gaps in Original Medicare to protecting you from unexpected medical bills, the right plan makes all the difference in your peace of mind. Click Here To Compare All Plans
Yulee Senior Demographics & Lifestyle
According to U.S. Census data, Yulee has a growing and active senior community:
- Population: Approximately 13,000
- Residents 65+: About 16% (and growing rapidly)
- Median age: 40 years
- Median household income: $62,000
- Home ownership rate: 81%
- Affordability: Housing costs 15-20% below Jacksonville metro average
Many Yulee retirees enjoy:
- Beach Access: 15-minute drive to Amelia Island’s pristine beaches and historic Fernandina Beach downtown
- Golf: Multiple championship courses including Amelia National Golf & Country Club, The Golf Club of Amelia Island
- Outdoor Recreation: Fort Clinch State Park, Nassau County parks, kayaking, fishing on the Amelia River
- Historic Tourism: Exploring Fernandina Beach’s Victorian-era Centre Street, the Amelia Island Museum of History
- Shopping & Dining: Growing retail and restaurant scene along SR 200, plus Fernandina’s waterfront dining
- Nature: Timucuan Ecological and Historic Preserve, bird watching, nature trails
- Community Events: Isle of Eight Flags Shrimp Festival, Amelia Island Jazz Festival, farmers markets
- Senior Programs: Nassau County Council on Aging offers meals, transportation, fitness classes, and social activities
- Convenience: Easy access to Jacksonville International Airport (20 minutes) for visiting family
The combination of affordable living, beach proximity, and access to world-class healthcare makes Yulee increasingly popular with retirees from across the Southeast.
What's the process?
We’re easy to reach. Most use our form. This allows us to call you at the time of your convenience. We’ll ask about your Part B date, current coverage (if any), budget guardrails.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We shop carriers and identify underwriting flags (if any), Once we’ve identified several, we’ll contact you to set up the best time to go over our findings.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan (G, N, or fit) for your ZIP and budget
Application concierge (e-app done right, the first time)
Annual rate-check so you don’t overpay next renewal
- Same day quotes
- Apples-to-apples
- 24-hour response
What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do They Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup, so you’re not left with big bills.
Fast Facts (Save Yourself Headaches)
- Medigap ≠ Advantage. Medigap works with Original Medicare; no networks, no referrals.
- Price is by ZIP/age/tobacco/household. Same benefits → different carrier rates.
- Timing matters. Your Part B date and Guaranteed Issue windows change underwriting.
- Doctor freedom. Any provider accepting Medicare. Traveling? You’re still covered.
Medigap vs. Advantage
- Medigap (We place it): higher premium, lower unpredictable costs, nationwide access, no network drama.
- Advantage (We don’t market it): lower premium, networks, authorizations, plan rules.
You want clarity, predictability, and freedom → Medigap usually wins.
What Drives Your Rate?
- ZIP code • Age (and birthday timing) • Tobacco status • Household discount • Carrier rate history
Why Florida Seniors Choose Medicare Supplements Only?
Nearly 30 Years of Experience
Chuck Lunsford has helped Florida residents navigate Medicare Supplement decisions since 1994. Licensed FL agent #A169316 with deep expertise across every Florida community—from Miami to the Panhandle.
Comprehensive Florida Coverage
We serve seniors in 50+ Florida communities with deep understanding of local healthcare landscapes and hospital access. Whether you’re in a bustling city or quiet rural town, we know your area’s unique challenges.
No-Pressure, Independent Guidance
We compare plans from multiple top-rated carriers to find the best value for YOUR situation—never locked into one company. Our educational approach means you make informed decisions at your own pace, with ongoing support after enrollment.
Which Plans Can You Choose in Yulee?
Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.
The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans
What to Bring to the Call
Medicare ID (red/white/blue card) • Part B start month/year • Med list (optional) • Must-have doctors/hospitals • Current coverage (if any)
What You Get
- Right-sized Medigap plan (G, N, or fit) for your city and your budget
- Same-day quotes
- Application concierge (clean e-app, first time)
- Annual rate-check so you don’t overpay
Yulee-Specific Notes
Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.
Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.
Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.
What’s The Next Step?
If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.
About Yulee: Community Snapshot for Seniors
Located in the heart of Nassau County along the I-95 corridor, Yulee offers retirees the perfect balance of peaceful small-town living with easy access to Jacksonville’s amenities and the beautiful beaches of Amelia Island. With a population approaching 13,000 residents, Yulee has experienced steady growth over the past decade as more retirees discover this hidden gem in Northeast Florida.
Named after Florida’s first U.S. Senator David Levy Yulee, this community maintains its Old Florida charm while offering modern conveniences. According to U.S. Census data, approximately 16% of Yulee residents are 65 or older, and that number continues to grow as word spreads about the area’s affordable housing, low property taxes, and quality of life.
Retirees are drawn to Yulee for its proximity to pristine beaches (just 15 minutes to Amelia Island), world-class golf courses, excellent fishing and boating opportunities, and the historic charm of nearby Fernandina Beach. The community offers a relaxed pace of life while keeping Jacksonville’s healthcare facilities, shopping, and cultural attractions within a 30-minute drive. Many seniors enjoy the Nassau County Senior Services programs, local farmers markets, and the area’s extensive parks and nature preserves.
Healthcare Access in Yulee, Florida
Yulee residents enjoy excellent healthcare access with both local facilities and proximity to Jacksonville’s major medical centers:
Local & Nearby Medical Facilities:
- Baptist Medical Center Nassau
Located at 1250 S 18th St, Fernandina Beach, FL 32034, this hospital is just 1 mile from central Fernandina Beach, about a 3-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - UF Health North
Found at 15255 Max Leggett Pkwy, Jacksonville, FL 32218, this facility is about 15 miles from Fernandina Beach, a 25-minute drive. It provides comprehensive care, including oncology and orthopedics, and accepts Medicare Assignment. - Ascension St. Vincent’s Clay County
Located at 1670 St Vincents Way, Middleburg, FL 32068, this hospital is approximately 40 miles from Fernandina Beach, a 50-minute drive. It offers advanced surgical and cardiac care, and accepts Medicare Assignment. - UF Health Jacksonville
Found at 655 W 8th St, Jacksonville, FL 32209, this facility is about 25 miles from Fernandina Beach, a 35-minute drive. It provides emergency and specialty care, and accepts Medicare Assignment. - Baptist Medical Center Jacksonville
Located at 800 Prudential Dr, Jacksonville, FL 32207, this hospital is about 30 miles from Fernandina Beach, a 40-minute drive. It offers surgical and specialty services, and accepts Medicare Assignment. - Memorial Hospital Jacksonville
Found at 3625 University Blvd S, Jacksonville, FL 32216, this facility is about 35 miles from Fernandina Beach, a 45-minute drive. It provides comprehensive care, including cardiology, and accepts Medicare Assignment.
Convenient Location: Yulee’s position along I-95 makes it incredibly convenient for accessing healthcare. Whether you need routine care locally or specialized treatment in Jacksonville, everything is easily accessible. Most Yulee seniors appreciate having quality local care for everyday needs while knowing Jacksonville’s premier medical facilities are just a short drive away.
Pharmacies:
- CVS Pharmacy – Multiple Yulee locations including 463928 SR 200
- Walgreens – 463646 State Road 200, Yulee
- Walmart Pharmacy – 463637 State Road 200, Yulee
- Publix Pharmacy – Several Nassau County locations
- Independent pharmacies – Personal service in Fernandina Beach
Medicare-Accepting Doctors Serving Yulee Residents
Primary Care Physicians:
- Baptist Primary Care Yulee – 463997 State Road 200, Suite 1, Yulee, FL 32097
- Baptist Medical Group Primary Care – 1303 Jasmine Street, Fernandina Beach, FL 32034
- UF Health Primary Care Yulee – 76347 Timbercreek Boulevard, Yulee, FL 32097
- Mayo Clinic Primary Care – Multiple Jacksonville locations
- Ascension Medical Group St. Vincent’s – Various Nassau County locations
Cardiology:
- Baptist Heart Specialists – 1435 Lime Street, Fernandina Beach, FL 32034
- Mayo Clinic Cardiovascular Services – Jacksonville campus
- Baptist Health Heart Institute – Jacksonville locations
Orthopedics:
- First Coast Orthopedics – Nassau County locations
- Mayo Clinic Orthopedic Surgery – Jacksonville
- Baptist Health Orthopedic Institute – Multiple locations near Yulee
Internal Medicine & Geriatrics:
- Baptist Medical Group Internal Medicine – Fernandina Beach and Yulee locations
- Mayo Clinic Internal Medicine – Jacksonville
- UF Health Internal Medicine – North Jacksonville offices
Specialists (nearby in Jacksonville):
- Complete range of specialists within 20-30 minutes
- Mayo Clinic offers virtually every specialty
- UF Health and Baptist Health networks provide comprehensive specialty care
Note: Always verify Medicare acceptance when scheduling appointments, as provider networks can change.
I use Medicare.gov’s Care Compare and Florida Health Finder to locate Medicare-accepting doctors and hospitals, ensuring affordable care with United American plans.
Driving Distances to Key Facilities
Facility | Location | Distance from Fernandina Beach | Drive Time |
Baptist Medical Center Nassau | Fernandina Beach, FL | 1 mile | 3 minutes |
UF Health North | Jacksonville, FL | 15 miles | 25 minutes |
UF Health Jacksonville | Jacksonville, FL | 25 miles | 35 minutes |
Baptist Medical Center Jacksonville | Jacksonville, FL | 30 miles | 40 minutes |
Memorial Hospital Jacksonville | Jacksonville, FL | 35 miles | 45 minutes |
Ascension St. Vincent’s Clay County | Middleburg, FL | 40 miles | 50 minutes |
Local Resources & Next Steps
Nassau County Resources for Seniors:
- Nassau County Council on Aging – Meals, transportation, wellness programs: (904) 261-0701 or nassaucountycouncilonaging.com
- Nassau County Senior Services – Activities, support services: (904) 491-7777
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free, unbiased Medicare counseling: 1-800-963-5337
- ElderSource – Area Agency on Aging serving Northeast Florida: (904) 391-6600 or myeldersource.org
- Nassau County Health Department – Preventive services, immunizations, health screenings: (904) 875-6100
- Nassau County Public Library System – Senior programs and resources at Yulee and Fernandina Beach branches
Healthcare Resources:
- Baptist Health Patient Services – (904) 202-2000
- Mayo Clinic Appointments – (904) 953-2000
- UF Health Patient Information – (904) 383-1000
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- Nassau County Board of County Commissioners – Senior services info: nassauclerk.com
We Offer Expert Guidance to Your Perfect Supplement Plan
We’ll dive into your unique needs, simplify the maze of plan options, and guide you with clear, honest advice. My hands-on approach, backed by thousands of client success stories—ensures you get coverage that fits your life, stress-free.
We analyze your healthcare needs, budget, and preferences to recommend the best Medicare Supplement (Medigap) plans, clarifying coverage gaps like deductibles or copays that Original Medicare doesn’t cover
We simplify the complex enrollment process, ensuring clients meet deadlines, understand eligibility, and avoid penalties, while navigating them through plan options with clear, jargon-free explanations.
We offer continued assistance post-enrollment, helping with claims, plan changes, or unexpected issues, and stay updated on policy shifts to keep clients’ coverage aligned with their evolving needs.
Our Services for Yulee, FL Residents
We specialize in helping Nassau County seniors navigate Medicare Supplement options with clarity and personalized guidance:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP code 32097 ✓ Personalized Recommendations – Your health situation is unique; we match you with the right plan for your needs and budget ✓ Application Assistance – We handle all the paperwork and follow up with insurance carriers on your behalf ✓ Year-Round Support – Questions about claims, coverage, or billing? We’re here whenever you need us ✓ Local Knowledge – We understand Yulee’s healthcare landscape and what matters to Nassau County seniors ✓ No-Pressure Guidance – Our job is to educate and empower you, never to pressure you into a decision ✓ Jacksonville Access – We help ensure your coverage works seamlessly at all Jacksonville medical facilities.
We’ve helped hundreds of Northeast Florida residents find Medicare Supplement plans that provide comprehensive protection and peace of mind. Whether you prefer meeting in person, talking by phone, or communicating by email, we work on your schedule and in the way that’s most comfortable for you.
Common Medicare Questions from Yulee Residents
“Do I need a Medigap plan if I already have Original Medicare?” Original Medicare (Parts A & B) covers many services, but leaves you responsible for deductibles, copays, and coinsurance that can add up quickly—especially if you’re seeing specialists at Mayo Clinic or Baptist Health. A Medicare Supplement plan helps cover these out-of-pocket costs, giving you financial predictability and peace of mind. For Yulee residents who value access to Jacksonville’s top medical centers, comprehensive Medigap coverage is especially valuable.
“Which plan is most popular here—Plan G or Plan N?” Plan G remains the gold standard among Florida seniors and is our most popular plan in Nassau County. It covers nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Plan N offers lower monthly premiums (typically $30-50 less per month) but requires small copays at doctor visits ($20 for office visits, $50 for ER that’s waived if admitted). We help you compare both based on how often you see doctors and your healthcare budget.
“Can I use my Medigap plan at Mayo Clinic or Baptist Medical Center Nassau?” Absolutely! Medicare Supplement plans work with any doctor or hospital that accepts Original Medicare—anywhere in the United States. This gives you complete freedom whether you’re getting routine care in Yulee, seeing a cardiologist at Baptist Nassau in Fernandina Beach, or visiting specialists at Mayo Clinic Jacksonville. No networks, no referrals, no geographic restrictions.
“I’m planning to travel—will my coverage work outside Florida?” Yes! That’s one of the biggest advantages of Medigap plans. Your coverage follows you anywhere in the U.S. Many Yulee retirees travel to visit family up north or vacation out of state. Whether you need care in Yulee or in Vermont, your Medicare Supplement plan provides the same comprehensive coverage.
“When is the best time to enroll in a Medigap plan?” The ideal time is during your Medigap Open Enrollment Period—the 6-month window starting when you’re 65 or older and enrolled in Medicare Part B. During this period, insurance companies must sell you any Medigap policy they offer, regardless of pre-existing health conditions, and cannot charge you more based on your health. This guaranteed issue protection is incredibly valuable and shouldn’t be missed.
Find Your Plan Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services
Disclaimer:
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and are subject to underwriting and change.
We do not market Advantage plans
Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. Availability varies by area. Services available where licensed.
We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.
MedicareSupplementOnly.com is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
No tax or legal advice is provided. Consult your tax advisor or attorney regarding your specific situation. Email and text communications may not be fully secure; please avoid sending sensitive personal information unless requested through a secure channel. All trademarks and logos are the property of their respective owners.
Contact: info@MedicareSupplementsOnly.com