Searching for The Best Medicare Supplement Plans Available In Fernandina Beach, Florida?
Tailored Medigap Plan quotes for Nassau County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Fernandina Beach: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Fernandina Beach Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Fernandina Beach 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
Fernandina Beach Senior Demographics & Lifestyle
According to U.S. Census data, Fernandina Beach has one of Florida’s most vibrant senior communities:
- Population: Approximately 13,500
- Residents 65+: About 28% (significantly above state and national averages)
- Median age: 50 years
- Median household income: $68,000
- Home ownership rate: 72%
- Quality of Life: Consistently ranked among Florida’s top small towns
Many Fernandina Beach retirees enjoy:
- Beach Living: 13 miles of pristine Atlantic beaches, less crowded than South Florida
- Historic Downtown: Centre Street’s Victorian charm, boutique shopping, waterfront dining, art galleries
- Golf: Amelia Island Golf Club (oldest golf course in Florida), Omni Amelia Island Resort courses, The Golf Club of Amelia Island
- Outdoor Activities: Fort Clinch State Park, kayaking through salt marshes, birding, nature trails, fishing charters
- Cultural Events: Isle of Eight Flags Shrimp Festival (May), Amelia Island Jazz Festival, Book Festival, Art Walk, Dickens on Centre (December)
- Marina Life: Fernandina Harbor Marina, yacht clubs, sailing, boating community
- Dining Scene: Fresh seafood, farm-to-table restaurants, waterfront cafes
- History: Amelia Island Museum of History, Fort Clinch State Historic Site, Palace Saloon (Florida’s oldest bar)
- Community: Active senior organizations, volunteer opportunities, garden clubs, arts council
- Senior Programs: Nassau County Council on Aging offers meals, fitness classes, day trips, social activities
- Accessibility: Easy ferry access to Cumberland Island, Georgia; Jacksonville International Airport 25 minutes
The island’s natural beauty combined with sophisticated amenities and an engaged community creates an exceptional retirement lifestyle. Many residents describe Fernandina Beach as having the charm of a New England coastal village with Florida sunshine and Southern hospitality.
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 Fernandina Beach?
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
Fernandina Beach-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 Fernandina Beach: Community Snapshot for Seniors
Perched on the northern tip of Amelia Island, Fernandina Beach is consistently ranked as one of Florida’s most charming and livable coastal communities. This Victorian seaport town offers retirees an unbeatable combination of pristine beaches, rich history, vibrant culture, and small-town hospitality—all while maintaining sophisticated amenities and excellent healthcare access.
With a population of approximately 13,500 residents, Fernandina Beach has carefully preserved its historic character while welcoming a growing retirement community. According to U.S. Census data, about 28% of Fernandina Beach residents are 65 or older—well above the state average—reflecting the city’s strong appeal to retirees from across the country.
The town’s jewel is its historic downtown district along Centre Street, featuring restored Victorian buildings, unique boutiques, waterfront restaurants, and art galleries. Fernandina Beach is Florida’s only city to have flown eight different flags throughout its history (French, Spanish, British, Patriots, Green Cross of Florida, Mexican, Confederate, and American)—earning it the nickname “Isle of Eight Flags.”
Retirees are drawn here for the 13 miles of pristine beaches, year-round golf, world-class fishing, the historic Amelia Island Golf Club, Fort Clinch State Park, and an active social calendar featuring festivals, art shows, and community events. The combination of natural beauty, cultural richness, and strong sense of community makes Fernandina Beach a premier retirement destination on Florida’s First Coast.
Healthcare Access in Fernandina Beach, Florida
Fernandina Beach residents enjoy exceptional healthcare access with both excellent local facilities and proximity to Jacksonville’s premier medical centers:
Local 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. - Baptist Medical Group – Multiple primary care and specialty clinics throughout Fernandina Beach
- 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
- Amelia Island Urgent Care – Convenient walk-in care for non-emergency needs
- Nassau County Health Department – Preventive care and wellness services
Nearby Advanced Care (Jacksonville):
- 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. - Mayo Clinic Jacksonville – 30 miles south, world-renowned medical center ranked among America’s best hospitals
- Brooks Rehabilitation – Leading rehabilitation services
Exceptional Convenience: Having Baptist Medical Center Nassau right in Fernandina Beach means most routine and urgent care needs are handled locally. For specialized treatment, Jacksonville’s top-tier medical facilities are just a 30-minute drive down I-95 or A1A. This combination of local convenience and big-city medical excellence gives residents tremendous peace of mind.
Pharmacies:
- CVS Pharmacy – 2416 Sadler Road, Fernandina Beach
- Walgreens – 2054 South 8th Street, Fernandina Beach
- Baptist Nassau Outpatient Pharmacy – Convenient to hospital services
- Independent pharmacies – Personal service with hometown feel
Medicare-Accepting Doctors Serving Fernandina Beach Residents
Primary Care Physicians:
- Baptist Medical Group Primary Care Fernandina Beach – 1303 Jasmine Street, Fernandina Beach, FL 32034
- Baptist Primary Care Amelia Island – 2020 South 14th Street, Suite 201, Fernandina Beach, FL 32034
- UF Health Primary Care Amelia Island – 1965 South 14th Street, Suite 103, Fernandina Beach, FL 32034
- First Coast Primary Care – 2031 South 14th Street, Fernandina Beach, FL 32034
- Amelia Island Family Medicine – 1965 South 14th Street, Fernandina Beach, FL 32034
Cardiology:
- Baptist Heart Specialists Fernandina Beach – 1435 Lime Street, Fernandina Beach, FL 32034
- Northeast Florida Cardiology – Local and Jacksonville locations
- Mayo Clinic Cardiovascular Services – Jacksonville campus
Orthopedics:
- First Coast Orthopedics – 2020 South 14th Street, Suite 200, Fernandina Beach, FL 32034
- Baptist Health Orthopedic Institute – Jacksonville locations
- Mayo Clinic Orthopedic Surgery – Jacksonville
Internal Medicine & Geriatrics:
- Baptist Medical Group Internal Medicine – Multiple Fernandina Beach locations
- Coastal Internal Medicine – 1965 South 14th Street, Fernandina Beach, FL 32034
- Mayo Clinic Internal Medicine – Jacksonville
Specialty Care:
- Dermatology – Multiple practices on Amelia Island
- Ophthalmology – Eye care specialists throughout Nassau County
- Gastroenterology – Local and Jacksonville specialists
- Oncology – Baptist MD Anderson Cancer Center (Jacksonville)
- Neurology – Mayo Clinic and Baptist Health networks
Note: Always verify Medicare acceptance when scheduling appointments, as provider networks can change.
Medicare-Accepting Medical Facilities Near Fernandina Beach
- Baptist Medical Center Nassau – 1250 South 18th Street, Fernandina Beach, FL 32034
- Mayo Clinic Jacksonville – 4500 San Pablo Road, Jacksonville, FL 32224
- UF Health North – 15255 Max Leggett Parkway, Jacksonville, FL 32218
- Baptist Medical Center Jacksonville – 800 Prudential Drive, Jacksonville, FL 32207
- Baptist Medical Center Beaches – 1350 13th Avenue South, Jacksonville Beach, FL 32250
- Brooks Rehabilitation Hospital – 3599 University Boulevard South, Jacksonville, FL 32216
- Memorial Hospital Jacksonville – 3625 University Boulevard South, Jacksonville, FL 32216
- Baptist MD Anderson Cancer Center – 1301 San Marco Boulevard, Jacksonville, FL 32207
- Nassau County Health Department – 1039 South 13th Street, Fernandina Beach, FL 32034
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, social activities: (904) 261-0701 or nassaucountycouncilonaging.com
- Nassau County Senior Center – 1367 South 10th Street, Fernandina Beach: Daily programs and activities
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free, unbiased Medicare counseling: 1-800-963-5337
- ElderSource – Area Agency on Aging for Northeast Florida: (904) 391-6600 or myeldersource.org
- Nassau County Health Department – Preventive services, immunizations, wellness programs: (904) 875-6100
Healthcare Resources:
- Baptist Medical Center Nassau – (904) 321-3500
- Mayo Clinic Appointments – (904) 953-2000
- UF Health Patient Information – (904) 383-1000
Community Resources:
- Amelia Island Museum of History – Local history and senior programs
- Fernandina Beach Public Library – 25 North 4th Street: Programs and resources for seniors
- Amelia Island Convention & Visitors Bureau – Community events calendar
- Nassau County Parks & Recreation – Senior fitness and activity programs
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- City of Fernandina Beach – fbfl.us – Municipal services and senior resources
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 Fernandina Beach, FL Residents
We specialize in helping Amelia Island and Nassau County seniors navigate Medicare Supplement options with expertise and personalized attention:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP codes 32034, 32035 ✓ Personalized Recommendations – Your health situation, lifestyle, and budget are unique; we find the perfect match ✓ Application Assistance – We handle all paperwork and carrier communications on your behalf ✓ Year-Round Support – Questions about claims, coverage, or billing? We’re here whenever you need us ✓ Local Expertise – We understand Fernandina Beach’s healthcare landscape and island lifestyle ✓ No-Pressure Guidance – Education and empowerment, never high-pressure sales tactics ✓ Travel Coverage Clarity – We explain exactly how your coverage works whether you’re on Amelia Island or abroad ✓ Provider Network Freedom – Ensuring your plan works at Baptist Nassau, Mayo Clinic, and everywhere you receive care
We’ve helped hundreds of Amelia Island residents find Medicare Supplement plans that provide comprehensive protection and genuine peace of mind. Whether you prefer meeting at a local coffee shop, 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 Fernandina Beach Residents
“Do I need a Medigap plan if I already have Original Medicare?” Original Medicare (Parts A & B) provides solid coverage, but leaves gaps—deductibles, copays, and coinsurance that can total thousands of dollars annually. A Medicare Supplement plan fills these gaps, giving you financial predictability. For Fernandina Beach residents who value access to both Baptist Nassau locally and Jacksonville’s premier medical centers like Mayo Clinic, comprehensive Medigap coverage provides crucial protection and peace of mind.
“Which plan is most popular here—Plan G or Plan N?” Plan G is overwhelmingly the most popular choice among Fernandina Beach retirees. It offers the most comprehensive coverage, paying nearly everything except the Part B deductible ($257 in 2025). Given the area’s active lifestyle and the fact that many residents travel frequently, Plan G’s “set it and forget it” simplicity is highly valued. Plan N offers lower premiums (typically $35-50 less monthly) but requires copays at doctor visits. We help you compare both options based on your health patterns and budget preferences.
“Can I use my Medigap plan at Baptist Nassau and Mayo Clinic?” Absolutely! That’s the beauty of Medicare Supplement plans—they work with any doctor or hospital that accepts Original Medicare, anywhere in the United States. Whether you’re getting routine care at Baptist Nassau, seeing a cardiologist locally, visiting specialists at Mayo Clinic Jacksonville, or traveling to visit grandchildren in New England, your coverage follows you with no network restrictions and no referrals needed.
“I split my time between Fernandina Beach and another state—will my coverage work?” Yes! Many Fernandina Beach residents are “snowbirds” or maintain second homes elsewhere. Your Medicare Supplement plan provides identical coverage nationwide. Whether you’re on Amelia Island or visiting family in North Carolina, your Medigap plan works seamlessly. This flexibility is one of the key reasons active retirees prefer Medicare Supplements over Medicare Advantage plans.
“When is the best time to enroll in a Medigap plan?” The optimal time is during your Medigap Open Enrollment Period—the 6-month window that begins when you’re 65 or older and enrolled in Medicare Part B. During this guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge you more based on your health history. This protection is extremely valuable and shouldn’t be missed. If you’re moving to Fernandina Beach from another state, you may also qualify for guaranteed issue rights.
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