Searching for The Best Medicare Supplement Plans Available In Pace, Florida?
Tailored Medigap Plan quotes for Santa Rosa County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Pace, Florida: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Pace Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Pace or turning 65 soon, we help residents across Santa Rosa 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
Pace Senior Demographics & Lifestyle
According to U.S. Census data, Pace has a growing and diverse senior community:
- Population: Approximately 23,000
- Residents 65+: About 18%
- Median age: 39 years
- Median household income: $62,000
- Home ownership rate: 73%
- Affordability: Mid-range for Santa Rosa County; excellent value for convenient location
Many Pace retirees enjoy:
- Rapidly Growing Community: Expanding neighborhoods, new developments, increasing amenities
- Affordable Suburban Living: Significantly lower costs than Gulf Breeze or beach communities
- Strategic Location: Between Milton and Pensacola, convenient access to both
- Family-Friendly Atmosphere: Good schools, safe neighborhoods, multigenerational community
- Military Community: Many active duty and retirees from NAS Pensacola and Eglin AFB
- Modern Infrastructure: Newer developments, contemporary homes, updated facilities
- Blackwater River State Forest Access: Pristine nature, hiking, kayaking nearby
- Shopping and Services: Growing commercial development, convenient retail
- Whiting Field Proximity: Close to Naval Air Station Whiting Field
- Commuter-Friendly: Easy access to Pensacola jobs and services
- Pace Community Center: Programs, activities, senior services
- Quality Schools: Pace High School and local schools attracting families
- Reasonable Pricing: Mid-range housing with modern amenities
- Natural Surroundings: Wooded areas, lakes, outdoor recreation nearby
- Healthcare Access: Excellent Pensacola hospitals within 20-25 minutes
Pace attracts middle-class retirees seeking affordable modern suburban living with family atmosphere, military community connections, and convenient location. The combination of reasonable costs, newer construction, strategic position, and growing amenities makes it ideal for retirees who value suburban convenience and community.
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 Pace, Florida?
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
Pace, Florida-Specific Notes
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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.
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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.
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Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
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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 Pace, Florida: Community Snapshot for Seniors
Pace is Santa Rosa County’s fastest-growing community—an unincorporated area of approximately 23,000 residents that offers affordable suburban living, modern development, and strategic location. Located in central Santa Rosa County along U.S. Highway 90 between Milton (10 minutes east) and Pensacola (20 minutes west), Pace provides convenient access to employment centers, services, and amenities.
According to U.S. Census data, about 18% of Pace residents are 65 or older, with median household income of $62,000 and homeownership rate of 73%. The demographic reflects middle-class residents—military personnel, civil service employees, working families, and retirees seeking affordable Santa Rosa County living. The age distribution is younger than retirement communities because Pace attracts active families alongside retirees.
Pace’s defining characteristic is rapid growth and development. Unlike historic Milton or established Gulf Breeze, Pace has experienced substantial residential expansion over the past two decades. New subdivisions, shopping centers, schools, and infrastructure continue developing. This growth creates a dynamic, evolving community with modern amenities and suburban character.
The housing is predominantly newer construction. Contemporary 3-4 bedroom homes built from the 1990s onward dominate the market, offering modern layouts, updated features, and move-in readiness. Home prices typically range from $220,000-$350,000—significantly below Gulf Breeze while providing similar modern construction quality. For middle-class retirees, Pace offers excellent value.
The location is strategically convenient. Pensacola (20 minutes west) provides urban amenities, shopping, dining, entertainment, and healthcare. Milton (10 minutes east) offers county seat services. Navarre Beach (25 minutes south) provides beach access. NAS Pensacola (25 minutes), NAS Whiting Field (5 minutes), and Eglin AFB (30 minutes) are all accessible. Pace residents enjoy easy commutes to employment centers and convenient access to everything Northwest Florida offers.
The military community presence is significant. Thousands of active duty personnel and military retirees live in Pace, attracted by affordable housing and base proximity. The community understands military life, values service, and maintains connections to the installations. Base commissaries, exchanges, and medical facilities remain accessible to military retirees.
The commercial development is expanding rapidly. Major retail along Highway 90 includes shopping centers, restaurants, grocery stores, and services. Pace maintains suburban character while adding convenience. The growing amenities reduce need to travel to Pensacola for daily needs.
Blackwater River State Forest borders Pace, providing exceptional outdoor recreation. The pristine Blackwater River offers kayaking, canoeing, fishing, and swimming. Hiking trails, nature areas, and camping create outdoor opportunities. For nature-loving retirees, having unspoiled wilderness nearby provides daily recreational access.
The community atmosphere is family-friendly and welcoming. Good schools attract families with children. Youth sports, community events, and neighborhood activities create multigenerational vitality. For retirees with visiting grandchildren, the family-friendly environment is appealing.
Healthcare access is excellent. Baptist Hospital (20 minutes), Sacred Heart Hospital (25 minutes), and West Florida Hospital (25 minutes) in Pensacola provide comprehensive services. The drives are reasonable, and having three major hospitals within 25 minutes ensures quality care access. Many specialists maintain offices in Pace or nearby areas.
Retirees are drawn to Pace for numerous compelling reasons: affordable modern suburban living, significantly lower costs than Gulf Breeze or beach communities, strategic location between Milton and Pensacola, newer contemporary homes without renovation needs, strong military community and base access, rapidly growing amenities and services, Blackwater River State Forest outdoor recreation nearby, family-friendly safe neighborhoods, excellent healthcare access to Pensacola hospitals, and convenient suburban lifestyle with reasonable pricing.
The relationship with other Santa Rosa communities is functional. Pace provides affordable modern housing compared to Gulf Breeze’s premium pricing or Navarre’s beach premiums. It’s more suburban and developed than rural Milton areas but less expensive than waterfront communities. Pace occupies the “affordable suburban convenience” niche.
For middle-class retirees seeking affordable modern suburban living with convenient location, family atmosphere, military community, and reasonable access to amenities, Pace provides outstanding value. This is practical Northwest Florida living for people who prioritize value and convenience.
Healthcare Access in Pace, Florida
Pace residents enjoy excellent healthcare access with multiple major hospitals in Pensacola within 20-25 minutes:
Nearby Major Hospitals (Pensacola):
- Santa Rosa Medical Center
Located at 6002 Berryhill Rd, Milton, FL 32570, this hospital is just 2 miles from downtown Milton, about a 5-minute drive. It offers emergency care, primary care, and specialty services, and accepts Medicare Assignment. - Gulf Breeze Hospital
Found at 1110 Gulf Breeze Pkwy, Gulf Breeze, FL 32561, this facility is about 20 miles from Milton, a 30-minute drive. It provides cardiology, orthopedics, and surgical care, and accepts Medicare Assignment. - Sacred Heart Hospital Pensacola
Located at 5151 N 9th Ave, Pensacola, FL 32504, this hospital is approximately 22 miles from Milton, a 30-minute drive. It offers comprehensive services, including oncology and neurology, and accepts Medicare Assignment. - West Florida Hospital
Found at 8383 N Davis Hwy, Pensacola, FL 32514, this facility is about 25 miles from Milton, a 35-minute drive. It provides advanced surgical and cardiac care, and accepts Medicare Assignment. - Navarre Beach Family Medicine
Found at 8990 Navarre Pkwy, Navarre, FL 32566, this facility is about 24 miles from Milton, a 35-minute drive. It provides primary care and minor emergency services, and accepts Medicare Assignment
Local Services:
- Pace area medical offices – Primary care practices available locally
- Urgent care facilities – Multiple locations in Pace area
- NAS Whiting Field Medical Clinic – Available to military personnel and retirees
Healthcare Excellence:
Pace residents benefit from proximity to three major Pensacola hospitals—all within 20-25 minutes. Baptist Hospital (20 minutes) provides comprehensive services including cardiac surgery and advanced care. West Florida Hospital and Sacred Heart Hospital (both 25 minutes) offer full services including cardiac surgery, cancer care, neuroscience, orthopedics, and all specialties. Having three excellent hospitals within 25 minutes ensures outstanding healthcare access, choice of providers, and comprehensive services. Many specialists maintain offices in Pace or nearby areas for convenient local access.
Pharmacies:
- CVS Pharmacy – Multiple Pace locations
- Walgreens – Pace area
- Publix Pharmacy – Pace shopping centers
- Walmart Pharmacy – Pace
- Independent pharmacies – Local options available
Medicare-Accepting Doctors Serving Pace Residents
Primary Care (Pace and nearby):
- Pace Medical Group – Local primary care practices
- Baptist Medical Group – Offices serving Pace area
- West Florida Healthcare – Primary care locations
- Multiple family practice physicians – Throughout Pace
Cardiology:
- Cardiology Associates of Northwest Florida – Regional offices
- Pensacola Heart Group – Comprehensive cardiac care
- Multiple cardiologists – Serving Pace area
Orthopedics:
- Andrews Institute for Orthopaedics & Sports Medicine – Premier orthopedic care (Gulf Breeze, 25 minutes)
- Orthopedic Associates of West Florida – Multiple specialists
- Baptist Orthopedics – Comprehensive bone and joint care
Internal Medicine & Geriatrics:
- Multiple internal medicine practices – Pace and Pensacola area
- Geriatric specialists – Available throughout region
Specialty Care (Pace and Pensacola area):
- Oncology – Cancer care at Baptist, West Florida, and Sacred Heart
- Neurology – Multiple neurologists in area
- Gastroenterology – GI specialists throughout region
- Pulmonology – Lung disease specialists
- Endocrinology – Diabetes specialists
- Rheumatology – Arthritis specialists
- Nephrology – Kidney specialists
- Urology – Multiple urologists in Pace area
- Dermatology – Comprehensive skin care specialists
- Ophthalmology – Eye care including surgery
- ENT – Ear, nose, throat specialists
- Podiatry – Foot and ankle care
- Pain Management – Available locally
- Women’s Health – OB/GYN specialists
- All other specialties – Comprehensive availability
Note: Pace has good physician availability with many specialists in nearby areas. Always verify Medicare acceptance when scheduling appointments.
Medicare-Accepting Medical Facilities Near Pace
- Baptist Hospital (Pensacola) – 1000 West Moreno Street, Pensacola, FL 32501
- West Florida Hospital (Pensacola) – 8383 North Davis Highway, Pensacola, FL 32514
- Sacred Heart Hospital (Pensacola) – 5151 North 9th Avenue, Pensacola, FL 32504
- Multiple urgent care facilities – Throughout Pace and Santa Rosa County
- Outpatient surgery centers – Pace and Pensacola area
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 Milton | Drive Time |
Santa Rosa Medical Center | Milton, FL | 2 miles | 5 minutes |
Gulf Breeze Hospital | Gulf Breeze, FL | 20 miles | 30 minutes |
Sacred Heart Hospital Pensacola | Pensacola, FL | 22 miles | 30 minutes |
West Florida Hospital | Pensacola, FL | 25 miles | 35 minutes |
Navarre Beach Family Medicine | Navarre, FL | 24 miles | 35 minutes |
Local Resources & Next Steps
Santa Rosa County Resources for Seniors:
- Santa Rosa County Senior Services – Programs, meals, activities, transportation: (850) 981-7050
- Pace Community Center – Local programs and activities
- West Florida Area Agency on Aging – Elder services: (850) 488-0055
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free Medicare counseling: 1-800-963-5337
Healthcare Resources:
- Baptist Hospital – (850) 434-4011
- West Florida Hospital – (850) 494-4000
- Sacred Heart Hospital – (850) 416-7000
Community Resources:
- Pace Regional Library – Programs and resources
- Pace Area Chamber of Commerce – Community information
- Blackwater River State Forest – Outdoor recreation nearby
- Local churches – Active congregations and social programs
- Pace Parks and Recreation – Community activities
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- Santa Rosa County Government – santarosa.fl.gov
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 Pace, FL Residents
We specialize in helping Santa Rosa County seniors navigate Medicare Supplement options with understanding of suburban communities:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP codes 32571, 32583
✓ Personalized Recommendations – Your health needs, lifestyle, and budget matter; we find the right fit
✓ Military Benefits Coordination – Understanding of TRICARE for Life and VA benefits coordination for military retirees
✓ 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
✓ Local Healthcare Knowledge – We understand access to Pensacola hospitals from Pace
✓ No-Pressure Guidance – Professional consultation and education, never pushy sales tactics
✓ Suburban Community Understanding – We appreciate Pace’s growing character and family atmosphere
✓ Value Focus – Finding comprehensive protection at competitive prices
✓ Quality-Focused Solutions – Ensuring excellent coverage for modern suburban lifestyles
We’ve helped many Pace and Santa Rosa County residents—including military families and retirees—find Medicare Supplement plans that provide solid protection without financial strain. Whether you prefer meeting locally, talking by phone, or communicating by email, we work on your schedule with professionalism.
Common Medicare Questions from Pace Residents
“Do I need a Medigap plan if I already have Original Medicare?”
For Pace residents enjoying suburban Northwest Florida living, a Medicare Supplement plan is highly recommended. Original Medicare (Parts A & B) covers basic services but leaves you responsible for deductibles, copays, and coinsurance that can add up significantly. A Medigap plan eliminates these costs, providing financial security. With three excellent hospitals in Pensacola within 20-25 minutes—Baptist Hospital, West Florida Hospital, and Sacred Heart Hospital—you want coverage that works seamlessly everywhere. Whether you need emergency care, surgery, or specialty treatment at any facility, comprehensive Medigap coverage provides crucial protection.
“Which plan do most Pace residents choose—Plan G or Plan N?”
Both plans are popular in Pace, with approximately 60% choosing Plan G and 40% choosing Plan N. This reflects Pace’s middle-class demographic with varying budget priorities. Plan G offers comprehensive coverage, paying nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Pace residents who prefer complete simplicity with no copays tend to choose Plan G. Plan N costs $35-50 less monthly but requires $20 copays for office visits and $50 for ER visits. Many Pace residents appreciate Plan N’s lower premiums while accepting the small copays. We’ll help you compare both based on your healthcare usage and budget to determine which saves you the most money.
“Can I use my Medigap plan at all three Pensacola hospitals?”
Absolutely! That’s one of Medicare Supplement plans’ best features. Your coverage works with any doctor or hospital that accepts Original Medicare—anywhere in the United States. Whether you’re getting care at Baptist Hospital (20 minutes), West Florida Hospital (25 minutes), Sacred Heart Hospital (25 minutes), or traveling elsewhere, your coverage works identically. Many Pace residents appreciate having three excellent hospitals to choose from—you can select the facility based on your doctor’s preference, specific service needed, or convenience without worrying about coverage differences. Complete freedom of choice with identical coverage everywhere.
“We chose Pace for affordability—can we afford good Medicare coverage too?”
Yes! That’s the beauty of Pace—you’ve already made smart financial decisions by choosing affordable suburban living. Medicare Supplement plans are more affordable than you might think. Plan N costs around $100-140 monthly for comprehensive protection. Plan G runs around $140-180 monthly for complete coverage. Think of it this way: you’ve chosen Pace specifically for value and affordability to make your retirement income stretch. One hospitalization without Medigap could cost $5,000-$15,000—destroying your careful budgeting. The monthly premium is a small price for protecting everything you’ve worked for. We’ll help you find the most affordable option that provides solid protection.
“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 Pace residents transitioning from employer coverage or moving from other states enroll during this period to ensure solid protection from day one. Don’t wait—missing this window could mean difficulty getting coverage or significantly higher costs if you develop health issues. Enroll when you first become eligible.
Get Your Free Pace Medicare Supplement Quote Today
You’ve chosen Pace for its affordable suburban living and convenient location—now protect your health and financial security with the right Medicare coverage. Whether you’re new to Medicare or looking to switch plans during Annual Enrollment, we’re here to help Pace residents find the ideal Medigap solution.
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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