Searching for The Best Medicare Supplement Plans Available In The Villages, Florida?
Tailored Medigap Plan quotes for Nassau County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in The Villages: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Villages Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in The Villages or turning 65 soon, we help residents across this premier active adult community 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
The Villages Senior Demographics & Lifestyle
According to U.S. Census data, The Villages has the most concentrated senior population in America:
- Population: Approximately 130,000+ (spanning three counties)
- Residents 65+: Over 95% (highest concentration in the United States)
- Median age: 71 years
- Median household income: $58,000
- Home ownership rate: 88%
- Affordability: Mid-range pricing for Florida; excellent value for amenities provided
Many Villages residents enjoy:
- World’s Largest Active Adult Community: Sprawling master-planned development across 32 square miles
- Championship Golf: Over 50 executive golf courses, 12 championship courses—unlimited free golf for residents
- Recreation Centers: Multiple recreation centers with pools, fitness facilities, clubs, activities
- Entertainment: Three town squares with nightly live entertainment, dancing, dining
- Social Clubs: Over 3,000 clubs and organizations—everything from pickleball to pottery to politics
- Lifelong Learning: SIRS (Sumter Enrichment and Recreational Studies) offers hundreds of classes and lectures
- Sports & Fitness: Pickleball, tennis, bocce, softball, swimming, walking trails, state-of-the-art fitness centers
- Healthcare Excellence: Two major hospitals, numerous medical plazas, highest concentration of physicians in Florida
- Golf Cart Lifestyle: Over 100 miles of golf cart paths connecting the entire community
- Shopping & Dining: Brownwood Paddock Square, Spanish Springs, Lake Sumter Landing with hundreds of shops and restaurants
- Events & Activities: Daily activities, shows, concerts, festivals, parades
- Safety & Convenience: Gated neighborhoods, low crime, everything accessible by golf cart
- New Home Options: Continuously expanding with new neighborhoods and models
The Villages attracts active retirees seeking a resort-style lifestyle with unlimited activities, exceptional amenities, comprehensive healthcare, and a vibrant social community. The combination of all-inclusive recreation, world-class golf, entertainment, and medical care makes it America’s premier active adult destination.
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 The Villages?
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
The Villages-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 The Villages: Community Snapshot for Seniors
The Villages is America’s premier and largest active adult community—a phenomenon that has transformed Central Florida retirement living. Spanning approximately 32 square miles across Sumter, Lake, and Marion counties, this master-planned development houses over 130,000 residents with a median age of 71, making it the most concentrated senior population in the United States.
Founded in the 1980s and experiencing explosive growth since 2000, The Villages represents the ultimate age-restricted (55+) lifestyle community. According to U.S. Census data, over 95% of residents are 65 or older, with the community continuing to add 4,000-5,000 new residents annually. The development features dozens of distinct villages, each with its own character, architectural style, and amenities.
What makes The Villages truly unique is its all-inclusive approach to active adult living. Residents enjoy unlimited free golf on over 50 executive courses (par 3, typically 1,500-2,800 yards) perfect for daily play, plus 12 full championship courses. Three town squares—Spanish Springs, Lake Sumter Landing, and Brownwood Paddock Square—serve as entertainment hubs with nightly live music, dancing, restaurants, and shops. The golf cart is king here, with over 100 miles of cart paths connecting the entire community.
Social engagement is unparalleled—over 3,000 clubs and organizations covering every interest imaginable: pickleball (Villages has one of America’s largest concentrations of courts), softball, bocce, tennis, swimming, kayaking, art, theater, music, politics, veterans groups, genealogy, cards, crafts, and hundreds more. The SIRS program offers college-level courses and lectures on virtually any topic.
Healthcare infrastructure rivals major cities—two major hospitals (UF Health The Villages Hospital and Villages Regional Hospital), numerous medical plazas with specialists in every field, and the highest physician-to-resident ratio in Florida. Most doctors here specialize in geriatric care and understand active senior needs.
Retirees choose The Villages for the ultimate active lifestyle with unlimited activities and amenities, world-class golf at no additional cost beyond HOA fees, exceptional healthcare literally minutes from anywhere in the community, vibrant social scene with entertainment and clubs, comprehensive fitness and recreation facilities, safety and convenience of a planned community, and the ability to live car-free using golf carts. While not the cheapest retirement option, the value proposition—unlimited golf, entertainment, activities, and amenities included in HOA fees—makes it competitive with many traditional retirement destinations.
For retirees seeking an active, social, amenity-rich lifestyle where boredom is impossible and healthcare is exceptional, The Villages represents the gold standard of American retirement communities.
Healthcare Access in The Villages, Florida
The Villages residents enjoy some of Florida’s most exceptional healthcare access, with world-class facilities throughout the community:
Major Hospitals Within The Villages:
- The Villages Regional Hospital
Located at 1451 El Camino Real, The Villages, FL 32159, this hospital is about 15 miles from Bushnell, a 25-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - UF Health Leesburg Hospital
Found at 600 E Dixie Ave, Leesburg, FL 34748, this facility is about 18 miles from Bushnell, a 30-minute drive. It provides comprehensive care, including oncology and orthopedics, and accepts Medicare Assignment. - AdventHealth Waterman
Located at 1000 Waterman Way, Tavares, FL 32778, this hospital is approximately 25 miles from Bushnell, a 40-minute drive. It offers advanced surgical and cardiac care, and accepts Medicare Assignment. - Citrus Memorial Hospital
Found at 502 W Highland Blvd, Inverness, FL 34452, this facility is about 20 miles from Bushnell, a 30-minute drive. It provides emergency and specialty care, and accepts Medicare Assignment. - HCA Florida Ocala Hospital
Located at 1431 SW 1st Ave, Ocala, FL 34471, this hospital is about 30 miles from Bushnell, a 45-minute drive. It offers surgical and specialty services, and accepts Medicare Assignment. - Promise Hospital of The Villages
Found at 5051 N Lake Dr, The Villages, FL 32162, this facility is about 14 miles from Bushnell, a 22-minute drive. It specializes in long-term acute care, and accepts Medicare Assignment.
Nearby Additional Facilities:
- UF Health Leesburg Hospital – 600 East Dixie Avenue, Leesburg (20 miles) – Full-service hospital
- AdventHealth Ocala – 1500 SW 1st Avenue, Ocala (30 miles) – Major regional hospital
- Orlando Health – Network of hospitals 60 miles east
Comprehensive Local Medical Services:
- Villages Medical Centers – Numerous locations throughout the community with primary care and specialists
- UF Health Medical Plazas – Multiple locations with extensive specialty care
- Regional Medical Group – Physicians throughout The Villages
- Urgent care centers – Multiple locations for walk-in care
- Outpatient surgery centers – Several facilities for same-day procedures
- Diagnostic imaging centers – Advanced imaging throughout the community
- Physical therapy centers – Numerous rehabilitation facilities
Healthcare Excellence: The Villages has one of America’s highest concentrations of physicians per capita. Medical specialties available locally include: cardiology, orthopedics, oncology, neurology, gastroenterology, pulmonology, endocrinology, rheumatology, nephrology, urology, dermatology, ophthalmology, ENT, podiatry, pain management, and virtually every other specialty. Quality metrics at both hospitals consistently exceed national averages.
Pharmacies:
- CVS Pharmacy – Multiple Villages locations
- Walgreens – Several locations throughout the community
- Publix Pharmacy – Numerous Villages Publix stores
- Walmart Pharmacy – Villages location
- Independent pharmacies – Several local options
Medicare-Accepting Doctors Serving Villages Residents
Primary Care Physicians (extensive local availability):
- Villages Health – Multiple primary care locations throughout the community
- UF Health Primary Care The Villages – 1455 Hunt Club Boulevard and other locations
- Regional Medical Group – Numerous Villages offices
- Villages Medical Associates – Multiple locations
- AdventHealth Medical Group – Primary care throughout the area
Cardiology (extensive local practices):
- Villages Cardiology – Multiple cardiologists and locations
- UF Health Cardiology The Villages – Comprehensive cardiac care
- Heart & Vascular Institute of Florida – Advanced cardiac services
- Regional Heart Associates – Multiple specialists
Orthopedics (numerous practices):
- Florida Orthopaedic Institute – Multiple Villages locations
- The Orthopedic Institute – Comprehensive bone and joint care
- Villages Orthopedics – Specialists throughout the community
- UF Health Orthopaedics – Academic orthopedic care
Internal Medicine & Geriatrics:
- Villages Internal Medicine – Multiple locations and physicians
- Geriatric Medicine Associates – Specialists in senior care
- UF Health Internal Medicine – Academic internal medicine
Specialty Care (comprehensive local availability):
- Oncology – Cancer centers at both hospitals plus outpatient facilities
- Neurology – Multiple neurologists and stroke specialists
- Gastroenterology – Numerous GI specialists
- Pulmonology – Lung specialists throughout the community
- Endocrinology – Diabetes and hormone specialists
- Rheumatology – Arthritis and autoimmune specialists
- Nephrology – Kidney specialists
- Urology – Multiple urologists
- Dermatology – Extensive skin care specialists
- Ophthalmology – Eye specialists including Villages Eye Center
- ENT – Ear, nose, throat specialists
- Podiatry – Numerous foot and ankle specialists
- Pain Management – Multiple pain specialists
- Physical Medicine & Rehabilitation – PM&R specialists
Note: The Villages has Florida’s highest concentration of physicians. Most specialists have multiple providers and locations throughout the community. Always verify Medicare acceptance when scheduling appointments.
Medicare-Accepting Medical Facilities Near The Villages
- UF Health The Villages Hospital – 1455 Hunt Club Boulevard, The Villages, FL 32162
- Villages Regional Hospital – 1451 El Camino Real, The Villages, FL 32159
- UF Health Leesburg Hospital – 600 East Dixie Avenue, Leesburg, FL 34748
- AdventHealth Ocala – 1500 SW 1st Avenue, Ocala, FL 34471
- Orlando Health South Lake Hospital – 1900 Don Wickham Drive, Clermont, FL 34711
- Orlando Health Orlando Regional Medical Center – 52 West Underwood Street, Orlando, FL 32806
- Tampa General Hospital – 1 Tampa General Circle, Tampa, FL 33606
- Mayo Clinic Jacksonville – 4500 San Pablo Road, Jacksonville, FL 32224
- Multiple outpatient surgery centers – Throughout The Villages
Multiple urgent care facilities – Throughout The Villages
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 Bushnell | Drive Time |
Promise Hospital of The Villages | The Villages, FL | 14 miles | 22 minutes |
The Villages Regional Hospital | The Villages, FL | 15 miles | 25 minutes |
UF Health Leesburg Hospital | Leesburg, FL | 18 miles | 30 minutes |
Citrus Memorial Hospital | Inverness, FL | 20 miles | 30 minutes |
AdventHealth Waterman | Tavares, FL | 25 miles | 40 minutes |
HCA Florida Ocala Hospital | Ocala, FL | 30 miles | 45 minutes |
Local Resources & Next Steps
The Villages Resources for Seniors:
- The Villages Recreation Department – Extensive programs, activities, fitness classes throughout the community
- SIRS (Sumter Enrichment and Recreational Studies) – Lifelong learning programs with hundreds of courses
- Villages Community Resource Center – Information and assistance
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free, unbiased Medicare counseling: 1-800-963-5337
- The Villages Regional Hospital Community Programs – Health screenings, wellness programs
- UF Health Community Education – Health and wellness programs
Healthcare Resources:
- UF Health The Villages Hospital – (352) 751-8000
- Villages Regional Hospital – (352) 751-8000
- UF Health Physician Appointments – (352) 674-3368
- Villages Health – Multiple locations and phone numbers
Community Resources:
- Villages Public Libraries – Multiple locations with extensive programs
- The Villages Homeowners Association – Community governance and services
- Spanish Springs Town Square – Entertainment, shopping, dining
- Lake Sumter Landing – Shopping, dining, activities
- Brownwood Paddock Square – Shopping, restaurants, farmers market
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- The Villages Official Website – thevillages.com
- Villages-News.com – Local news and community information
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 The Villages, FL Residents
We specialize in helping Villages residents navigate Medicare Supplement options with deep expertise in this unique community:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available throughout The Villages (ZIP codes 32159, 32162, 32163, and surrounding)
✓ Villages Expertise – We understand this community’s exceptional healthcare network and active lifestyle demands
✓ Personalized Recommendations – Your health needs, activity level, and budget matter; we match you with the perfect plan
✓ Application Assistance – We handle all 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
✓ Comprehensive Coverage Focus – Most Villages residents prefer Plan G for hassle-free, complete protection
✓ No-Pressure Guidance – Education and honest advice, never pushy sales tactics
✓ Active Lifestyle Understanding – Coverage that keeps pace with golf, travel, clubs, and busy social calendars
✓ Network Freedom – Your plans work at UF Health, Villages Regional, and anywhere else nationwide
✓ Travel Coverage – Perfect for Villages residents who travel frequently to visit family or vacation
We’ve helped thousands of Villages residents find Medicare Supplement plans that provide comprehensive protection for active retirement lifestyles. Whether you prefer meeting at a Villages restaurant, talking by phone, or communicating by email, we work on your schedule in the way that’s most comfortable for you.
Common Medicare Questions from Villages Residents
“Do I need a Medigap plan if I already have Original Medicare?” Absolutely. Original Medicare (Parts A & B) covers many services, but leaves you responsible for deductibles, copays, and coinsurance that can cost thousands annually. A Medicare Supplement plan eliminates these out-of-pocket costs, providing complete financial predictability. For active Villages residents who see doctors regularly, play golf daily, stay socially engaged, and want hassle-free healthcare, comprehensive Medigap coverage is essential. With two major hospitals and hundreds of physicians right here in the community, you want coverage that works everywhere without copays or restrictions.
“Which plan do most Villages residents choose—Plan G or Plan N?” Plan G is overwhelmingly the most popular choice among Villages residents—probably 80-90% choose it. Plan G offers the most comprehensive coverage, paying nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Villages residents appreciate Plan G’s simplicity: no copays at doctor visits, no surprises, just complete coverage. Given how active most residents are—golfing daily, seeing doctors regularly for preventive care—Plan G eliminates hassles. Yes, it costs $35-50 more monthly than Plan N, but most Villages residents prefer paying a bit more for complete peace of mind and zero copays.
“Can I use my Medigap plan at both Villages hospitals and when I travel?” Yes! That’s one of the biggest advantages of Medicare Supplement plans. Your coverage works with any doctor or hospital that accepts Original Medicare—anywhere in the United States. Whether you’re seeing your cardiologist at Villages Regional, having surgery at UF Health The Villages, getting care in Orlando or Tampa, or traveling to visit grandchildren in another state, your coverage works identically. No networks, no referrals, complete nationwide freedom. This is especially valuable for Villages residents who travel frequently or split time between Florida and northern homes.
“We’re snowbirds who spend summers up north—will our coverage work there?” Absolutely! Your Medicare Supplement plan provides complete nationwide coverage. Many Villages residents spend summers up north or travel extensively—your Medigap coverage follows you everywhere in the U.S. Whether you’re in The Villages or Vermont, your coverage is identical. This is why active, mobile retirees overwhelmingly prefer Medicare Supplement plans over Medicare Advantage plans that have limited networks and don’t work well outside their service area.
“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 guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge higher rates based on your health. This protection is invaluable. Many people moving to The Villages enroll right when they turn 65 to ensure they have comprehensive coverage from day one. Don’t wait—once this period ends, getting coverage can be difficult if you have health issues.
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.
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We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.
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Contact: info@MedicareSupplementsOnly.com