Searching for The Best Medicare Supplement Plans Available In St. Augustine Beach, Florida?
Tailored Medigap Plan quotes for St. Johns County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in St. Augustine Beach: Your Guide to Coverage
Finding the Right Medigap Coverage for Your St. Augustine Beach Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in St. Augustine Beach or turning 65 soon, we help residents across St. Johns 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
St. Augustine Beach Senior Demographics & Lifestyle
According to U.S. Census data, St. Augustine Beach has a coastal resort community:
- Population: Approximately 7,000
- Residents 65+: About 28%
- Median age: 50 years
- Median household income: $68,000
- Home ownership rate: 70%
- Affordability: Moderate to higher; beach resort pricing
Many St. Augustine Beach retirees enjoy:
- High Senior Population: 28% seniors in beach resort community
- Atlantic Ocean Beaches: Direct beach access and coastal lifestyle
- Small City Character: Intimate beach town atmosphere
- Flagler Hospital: Hospital 10 minutes in St. Augustine
- Safe Environment: Good security, family-oriented beach community
- Beach Recreation: Surfing, fishing, beach walking, water activities
- Good Homeownership: 70% own homes, solid stability
- Strategic Location: 10 minutes to historic St. Augustine, beach lifestyle
- Traditional Character: Classic Florida beach town values
- St. Johns County Pier: Popular fishing and gathering spot
- Beach Dining: Local restaurants and beach casual atmosphere
- Year-Round Beach Access: Mild winters for active beach living
St. Augustine Beach attracts middle-class retirees seeking beach lifestyle with reasonable access to historic St. Augustine amenities. The combination of moderate to higher costs reflecting beach location, high senior population (28%), good homeownership (70%), Atlantic Ocean beach access, reasonable proximity to Flagler Hospital (10 minutes in St. Augustine), small beach town character, and year-round beach recreation makes it ideal for middle-class retirees who prioritize beach lifestyle, outdoor activities, small community atmosphere, and reasonable access to historic St. Augustine cultural amenities.
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 St. Augustine 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
St. Augustine 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.
Why St. Augustine Beach Residents Need Medicare Supplement Coverage
St. Augustine Beach residents face healthcare challenges that make Medicare Supplement coverage important:
Distance to Hospital: St. Augustine Beach does not have a hospital within the small beach community. All hospital care requires driving to St. Augustine (approximately 10 minutes) for Flagler Hospital. The short distance makes hospital access practical, though emergency transport from beach community adds costs.
Moderate to Higher Income with Beach Resort Costs: With a median household income of $68,000, moderate to higher for the area, most St. Augustine Beach residents balance comfortable incomes with beach resort pricing. The 28% senior population creates substantial healthcare demand for the small beach community. One hospitalization requiring transport to St. Augustine could cost $5,000-$15,000 without Medigap, a significant burden when managing beach area cost of living. For those who’ve chosen St. Augustine Beach for coastal lifestyle, protecting assets is important.
Hurricane Matthew, Irma, and Coastal Storm History: As a barrier island Atlantic beach community, St. Augustine Beach experienced significant hurricane impacts:
Hurricane Matthew (October 2016): Category 3 storm brought severe impacts:
- Significant beach erosion and dune damage
- Coastal flooding from storm surge
- Widespread power outages throughout beach community
- Property damage requiring repairs
- Beach infrastructure damage requiring extensive restoration
- Extended recovery for small beach community
Hurricane Irma (September 2017): Storm brought additional coastal impacts, beach erosion, flooding, wind damage, and cumulative stress on barrier island community.
Nor’easters and tropical systems regularly bring beach erosion, coastal flooding, and demonstrated ongoing Atlantic barrier island vulnerability.
The repeated coastal storm impacts created stress for residents balancing comfortable incomes with beach resort costs, property damage requiring repairs, insurance challenges with premium increases in exposed barrier island location, and demonstrated that barrier island St. Augustine Beach faces significant coastal vulnerability. This context makes comprehensive insurance coverage, including Medigap, important for protecting assets.
Plan N: Practical Value for St. Augustine Beach: For St. Augustine Beach’s moderate to higher income profile balanced against beach resort costs, Plan N typically offers excellent value, saving $35-50 monthly versus Plan G. That’s $420-600 annually, meaningful savings when managing higher beach area cost of living. Plan N provides comprehensive protection with small copays ($20 office, $50 ER waived if admitted), making it practical for middle-class beach retirees.
About St. Augustine Beach: Community Snapshot for Seniors
St. Augustine Beach is a city of approximately 7,000 residents in St. Johns County on Florida’s Atlantic Coast. Located on barrier island with direct Atlantic Ocean beach access, reasonable proximity to Flagler Hospital (10 minutes in St. Augustine), and 28% senior population, St. Augustine Beach offers beach resort retirement living with small town character and reasonable access to historic St. Augustine amenities.
According to U.S. Census data, about 28% of St. Augustine Beach residents are 65 or older, high for small beach resort community. The median household income of $68,000 and homeownership rate of 70% indicate a stable middle-class beach community. The economy centers on beach tourism, hospitality, beach-related businesses, and residential character serving retirees and beach-oriented residents.
St. Augustine Beach’s defining characteristic is beach resort retirement living with 28% seniors, direct Atlantic Ocean beach access on barrier island, small beach town character (7,000 residents) providing intimate community atmosphere, reasonable proximity to Flagler Hospital (10 minutes in St. Augustine), good homeownership (70%) showing solid stability, 10 minutes to historic St. Augustine providing cultural amenities and dining while maintaining beach lifestyle, year-round beach recreation with mild winters, and moderate to higher costs reflecting desirable beach location. The high senior population creates a retiree presence within a small beach resort community.
The cost of living is moderate to higher, reflecting beach resort location. Home prices range from $300,000-$550,000 for standard beach area homes, with oceanfront properties $600,000-$1,500,000+. The 70% homeownership rate indicates solid community stability. For middle-class retirees, St. Augustine Beach provides beach lifestyle at moderate to higher cost, with pricing reflecting desirable Atlantic beach location and proximity to historic St. Augustine.
The high senior population (28%) creates a substantial retiree presence for small beach communities. With over one-quarter of residents 65 or older, St. Augustine Beach has good senior services and an active retiree population within the beach town atmosphere.
The moderate to higher median household income ($68,000) reflects a comfortable middle-class beach community, with income supporting beach lifestyle while requiring budget consciousness given higher beach area costs.
The good homeownership rate (70%) demonstrates solid stability, with over two-thirds owning homes showing commitment to beach community despite barrier island vulnerability.
The reasonable access to Flagler Hospital creates practical healthcare advantages for small beach communities. While St. Augustine Beach itself doesn’t have a hospital in the small beach community, Flagler Hospital (10 minutes in St. Augustine) provides emergency care, surgical services, comprehensive hospital services, cardiac care, and stroke center handling most needs.
Additionally:
- Jacksonville hospitals (45 minutes north), major regional medical centers for complex care
Having a hospital 10 minutes away provides solid healthcare access for small beach retirement community.
The Atlantic Ocean beach access creates THE defining attraction. St. Augustine Beach features direct Atlantic Ocean beaches, year-round beach recreation with mild winters allowing active beach living, surfing and water sports, beach fishing, beach walking and recreation, and coastal lifestyle central to community character.
The St. Johns County Pier provides a community gathering spot, with popular fishing pier, beach access point, and iconic beach community landmark.
The small beach town character creates intimate appeal. With 7,000 residents, St. Augustine Beach maintains a small community atmosphere, family-oriented beach values, beach casual lifestyle, local beach restaurants and shops, and intimate scale distinguishing it from larger beach resort areas.
The convenient St. Augustine proximity enhances beach living, with historic St. Augustine (10 minutes) providing cultural attractions, museums and historic sites, excellent dining options, shopping and services, and walkable historic downtown, all while maintaining separate beach community character.
The year-round beach recreation provides an active lifestyle, with mild winters enabling beach activities throughout the year, outdoor recreation focus, and health-conscious active living central to beach community culture.
The beach dining and casual atmosphere create a relaxed lifestyle, with local beach restaurants, casual beach town atmosphere, and laid-back coastal living.
The convenient positioning provides regional access. St. Augustine Beach’s barrier island location provides Atlantic Ocean beaches directly, historic St. Augustine (10 minutes) for cultural amenities and hospital, Jacksonville (45 minutes) for major city amenities, and Interstate 95 corridor access while maintaining beach community character.
The hurricane Matthew, Irma, and coastal storm history demonstrates barrier island vulnerability:
Hurricane Matthew (2016): Category 3 storm brought severe impacts with significant beach erosion and dune damage, coastal flooding from storm surge affecting beachfront and low-lying areas, widespread power outages throughout small beach communities, property damage requiring repairs, beach infrastructure requiring extensive restoration, and extended recovery challenges.
Hurricane Irma (2017): Storm brought additional coastal impacts including beach erosion, flooding, wind damage, and cumulative stress on barrier island barely recovered from Matthew.
Regular Coastal Storms: Nor’easters and tropical systems bring ongoing beach erosion, coastal flooding, and demonstrated persistent barrier island vulnerability.
Impact on Residents Balancing Comfortable Incomes with Beach Resort Costs: Property damage requiring repairs while managing higher beach area living costs, flood insurance extremely expensive for barrier island location, wind insurance substantial for exposed coastal location, beach erosion affecting property values and community infrastructure, insurance premium increases straining budgets, and ongoing barrier island vulnerability creating persistent concern and expense.
The beach resort character attracts retirees seeking coastal lifestyle with Atlantic Ocean beach access, active outdoor recreation, small beach town atmosphere, year-round beach activities, and reasonable access to historic St. Augustine cultural amenities despite barrier island vulnerability.
The St. Johns County location provides Northeast Florida Atlantic Coast character with reasonable St. Augustine and Jacksonville access.
Healthcare access reflects St. Augustine Beach’s reasonable nearby advantage. Flagler Hospital (10 minutes in St. Augustine) handles most needs, with Jacksonville hospitals (45 minutes) available for complex care.
Retirees are drawn to St. Augustine Beach for beach resort retirement living, 28% senior population creating substantial retiree presence in small beach community, direct Atlantic Ocean beach access on barrier island, reasonable proximity to Flagler Hospital (10 minutes in St. Augustine), small beach town character (7,000 residents) providing intimate community atmosphere, good homeownership (70%) showing solid stability, 10 minutes to historic St. Augustine providing cultural amenities while maintaining beach lifestyle, year-round beach recreation with mild winters, beach dining and casual atmosphere, and Atlantic Coast beach lifestyle.
For middle-class retirees seeking beach retirement with Atlantic Ocean beach access, active outdoor beach recreation, small town atmosphere, reasonable access to historic St. Augustine cultural amenities and hospital, and year-round beach lifestyle despite moderate to higher costs and barrier island vulnerability, St. Augustine Beach provides exceptional beach retirement experience.
Healthcare Access in St. Augustine Beach, Florida
St. Augustine Beach residents benefit from reasonable access to nearby hospital:
No Hospital in St. Augustine Beach (Small Beach Community)
Nearby Hospital:
- Flagler Hospital, St. Augustine (10 minutes), providing emergency care, surgical services, comprehensive hospital services, cardiac care, stroke center
Nearby Major Medical Centers:
- Baptist Medical Center South Found at 14550 Old St. Augustine Rd, Jacksonville, FL 32258 (just over the county line in Duval County), this facility is approximately 25 miles from central St. Augustine, a 30-minute drive. It provides comprehensive care and accepts Medicare Assignment.
- UF Health St. Johns Located at 400 Health Park Blvd, St. Augustine, FL 32086 (co-located with Flagler Hospital), this facility is about 3 miles from central St. Augustine, a 7-minute drive. It offers specialty care and accepts Medicare Assignment.
- Mayo Clinic Primary Care – St. Augustine Found at 110 Southwood Lake Dr, St. Augustine, FL 32086, this center is roughly 5 miles from central St. Augustine, a 10-minute drive. It focuses on primary and preventive care, and accepts Medicare Assignment.
- Ascension St. Vincent’s St. Johns County Located at 2001 County Rd 210, St. Johns, FL 32259, this hospital is about 15 miles from central St. Augustine, a 20-minute drive. It provides emergency and specialty care, and accepts Medicare Assignment.
- Baptist Health Emergency Center – World Golf Village Found at 205 Trinity Way, St. Augustine, FL 32092, this freestanding ER is approximately 10 miles from central St. Augustine, a 15-minute drive. It offers urgent care and accepts Medicare Assignment.
Solid Healthcare Access:
St. Augustine Beach residents benefit from solid healthcare access for a small beach community. Flagler Hospital (10 minutes in St. Augustine) handles most needs, important for the 28% senior population. Jacksonville hospitals (45 minutes) provide comprehensive tertiary care options.
Having comprehensive Medicare Supplement coverage is important for St. Augustine Beach residents because no hospital in the small beach community, all care requires 10-minute drives, and one hospitalization could cost $5,000-$15,000+ without Medigap. Balancing comfortable income with beach resort higher cost of living makes protecting assets important.
Pharmacies:
- CVS Pharmacy, St. Augustine Beach
- Walgreens, nearby St. Augustine
- Publix Pharmacy, St. Augustine Beach area
Medicare-Accepting Doctors Serving St. Augustine Beach Residents
Primary Care: Physicians in St. Augustine Beach and nearby St. Augustine (10 minutes) serving the 28% senior population, plus St. Johns County Health Department preventive services.
Specialists: Specialists in St. Augustine and Jacksonville providing comprehensive options.
Hospital Services: Flagler Hospital (10 minutes in St. Augustine) for most needs, with Jacksonville hospitals for complex care.
Always verify Medicare acceptance.
Driving Distances to Key Facilities
Facility | Location | Distance | Drive Time |
Flagler Hospital | St. Augustine | 6 miles | 10 minutes |
Historic Downtown St. Augustine | St. Augustine | 7 miles | 10-15 minutes |
St. Johns County Pier | St. Augustine Beach | Local | Walking distance |
Jacksonville hospitals | Jacksonville | 40 miles | 45 minutes |
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.
Local Resources & Next Steps
St. Johns County Resources:
- Council on Aging of St. Johns County
- Florida SHINE: 1-800-963-5337
- St. Johns County Health Department
Healthcare Resources:
- Flagler Hospital (10 minutes), (904) 819-5155
Community Resources:
- Atlantic Ocean beaches, direct beach access
- St. Johns County Pier, fishing and beach gathering spot
- Beach recreation, surfing, fishing, beach walking
- Beach restaurants and casual dining
- Historic St. Augustine (10 minutes), cultural attractions and museums
- Year-round beach activities
- Senior programs and beach community activities
- Hurricane preparedness resources
Additional Support:
- Florida Department of Elder Affairs, elderaffairs.org
- Medicare.gov, official Medicare 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 St. Augustine Beach, FL Residents
We specialize in helping St. Johns County beach community residents:
✓ Free Plan Comparisons (ZIP 32080, 32084) ✓ Value Focus for middle-class beach retirees balancing resort costs ✓ No-Pressure Guidance ✓ Year-Round Support ✓ Understanding of beach resort community and barrier island character ✓ Recognition of coastal vulnerability
Common Medicare Questions from St. Augustine Beach Residents
“Do I need a Medigap plan if Flagler Hospital is only 10 minutes away?” Yes, important protection. No hospital in small St. Augustine Beach community, all care requires 10-minute drives to St. Augustine. One hospitalization costs $5,000-$15,000+ without Medigap. Balancing comfortable income with beach resort higher cost of living makes comprehensive coverage important.
“Which plan provides good value in a beach area?” Plan N typically offers excellent value for St. Augustine Beach residents, saving $420-600 annually versus Plan G. With beach resort cost of living, Plan N provides comprehensive protection while managing overall budget effectively.
“Can I use my Medigap plan at all hospitals?” Absolutely! Medicare Supplement plans work with any doctor or hospital accepting Original Medicare, Flagler Hospital nearby, Jacksonville medical centers, or anywhere you travel.
“When should I enroll?” During your Medigap Open Enrollment Period (6 months starting when you’re 65+ and enrolled in Part B).
Get Your Free St. Augustine Beach Medicare Supplement Quote Today
Other Cities and Towns In St. Johns County
World Golf Village, Palm Valley, St. Augustine, Fruit Cove, Ponte Vedra Beach, St. Augustine Shores, St. Augustine South, Sawgrass, Vilano Beach, Hastings, Gonzalez, Pensacola Station, Goulding, Century, Molino
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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