Medicare Supplement Plans in Northeast Florida
Compare Medicare Supplement plans available throughout Northeast Florida, from Jacksonville, St. Augustine and Orange Park to Fernandina Beach, Palm Coast, Palatka and Macclenny. We help you compare Medigap plans, carriers and costs while considering how healthcare access changes across the region.
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Medicare Supplement Coverage Across Northeast Florida
Our Northeast Florida Medicare Supplement region includes Baker, Clay, Duval, Flagler, Nassau, Putnam and St. Johns counties. Jacksonville anchors the region with one of Florida’s largest concentrations of hospitals and specialty care, while the surrounding counties have their own community hospitals.
CMS lists 16 Medicare-certified general hospitals across the seven counties, from Mayo Clinic and UF Health Jacksonville to community hospitals in Macclenny, Palatka and Fernandina Beach. Where you live shapes which of them is practical for routine care and which you would travel to for specialized treatment.
This guide looks at Medicare Supplement coverage in the context of how people in Northeast Florida actually live and receive healthcare.
Choosing the Right Medicare Supplement Plan in Northeast Florida
Where you live can influence your Medicare Supplement choices even though Medigap benefits are standardized. Premiums and carrier availability can vary by ZIP code, and access to hospitals and specialists differs between Jacksonville neighborhoods, the beaches, the suburban counties and rural communities in Baker and Putnam counties.
Medicare recommends considering both your current and future healthcare needs when you choose a plan. Someone who expects to use specialists at a large Jacksonville medical center may weigh coverage differently from someone who mostly sees a local physician.
What Doesn’t Change by County?
The standardized benefits of a Medigap letter plan are the same everywhere. Plan G in Duval County covers the same things as Plan G in Clay, Nassau or Putnam County.
What Varies by Location?
Premiums
The same standardized plan can be priced differently by different carriers and in different ZIP codes.
Available Carriers
Check which companies offer the plan you want where you live.
Hospital and Specialist Access
Jacksonville has deep hospital and specialty resources, while residents of Macclenny, Palatka or rural Nassau County may travel farther for certain services.
Cross-County Travel
Many Clay, St. Johns and Nassau residents use Jacksonville hospitals and specialists. That does not change their Medigap benefits.
What Doesn’t Vary
The standardized benefits of the same Medigap letter plan.
Which Medicare Supplement Plans Are Available in Northeast Florida?
Medicare Supplement plans are standardized by letter. Northeast Florida residents may encounter Plans A, B, C, D, F, G, K, L, M, and N, depending on eligibility and which insurance companies offer coverage where they live. The benefits within each standardized letter plan are the same regardless of which insurance company sells the policy.
What can change are the premiums charged by different carriers, available discounts, and which insurers offer a particular plan in your area. That makes local comparison important across a region as geographically large and diverse as Northeast Florida.
Understanding Your Medicare Supplement Plan Options
Plan A
Provides the basic benefits included in every standardized Medicare Supplement plan while leaving more Original Medicare cost-sharing to the beneficiary than several of the more comprehensive plans.
Plan B
Includes the basic benefits provided by Plan A and adds coverage for the Medicare Part A deductible.
Plans C and F
These plans provide broader coverage but aren't available to people who became eligible for Medicare on or after January 1, 2020. People eligible for Medicare before that date may still be able to purchase them.
Plan D
Provides several important Medigap benefits, including skilled nursing facility coinsurance and limited foreign travel emergency coverage, but does not cover the Medicare Part B deductible or Part B excess charges.
Plan G
One of the most comprehensive choices available to people newly eligible for Medicare. Plan G covers most Medicare-approved out-of-pocket costs included in standardized Medigap coverage but does not cover the annual Medicare Part B deductible.
Plans K and L
These plans pay a percentage of several Medicare cost-sharing expenses rather than covering them completely from the beginning. Both also include annual out-of-pocket limits.
Plan M
Provides many standard Medigap benefits while covering 50% of the Medicare Part A deductible.
Plan N
Provides broad coverage while requiring copayments of up to $20 for some office visits and up to $50 for certain emergency room visits that don't result in inpatient admission. Plan N does not cover Medicare Part B excess charges.
Why Plan G and Plan N Are Often Compared
Plan G and Plan N are frequently compared because both provide broad coverage for people newly eligible for Medicare while taking different approaches to premiums and potential out-of-pocket expenses.
Plan G generally provides greater predictability after the Part B deductible is paid. Plan N may offer lower premiums in exchange for certain copays and exposure to Part B excess charges. Neither plan is automatically the better choice. The right fit depends on actual premiums, healthcare use, budget, and personal preferences.
Compare All (A – N) Letter Plans
Northeast Florida-Specific Medigap Considerations
Pricing Method
Insurance companies determine how they price their Medigap policies, and premiums can vary substantially even when the standardized benefits are identical. Comparing long-term affordability can therefore be just as important as comparing the initial premium.
Medigap Open Enrollment
Your six-month Medigap Open Enrollment Period begins the first month you have Medicare Part B and are 65 or older. During this period, insurers cannot deny you one of the Medigap policies they offer because of pre-existing health problems. After this period, your options may become more limited and medical underwriting may apply unless another protection gives you guaranteed-issue rights.
Household Discounts
Some insurance companies offer household or spousal discounts. Availability and qualification requirements vary by carrier.
Your Location
A beneficiary in Jacksonville, St. Augustine, Palm Coast or Palatka may see different premiums and carrier choices for the same plan letter. Compare quotes for your own ZIP code rather than relying on a regional average.
What Makes Northeast Florida a Unique Place to Live?
Northeast Florida combines a major city, Atlantic beach towns, historic St. Augustine, fast-growing suburbs and rural communities along the St. Johns River and the Georgia line. Its seven counties are Baker, Clay, Duval, Flagler, Nassau, Putnam and St. Johns.
For retirees, that mix affects more than lifestyle. Jacksonville offers academic medical centers and many specialists, while communities in Baker, Putnam and western Nassau counties are farther from that care. Where you live can shape how far you travel for specialists, diagnostics and hospital care.
A Region of Cities, Beaches and Small Towns
Duval County is a consolidated city-county, so most of the county is the City of Jacksonville. Around it, St. Johns and Clay counties have grown quickly, Nassau and Flagler combine coastal towns with inland communities, and Baker and Putnam remain largely rural. Many residents travel across county lines every day, and healthcare follows the same pattern.
That is why a regional view is useful. The hospital closest to your home may be in your county or the next one, and the specialist you need may be in Jacksonville even if you live an hour away.
Life in Northeast Florida at a Glance
Jacksonville at the Center
Jacksonville is Florida's most populous city and the region's main healthcare destination, home to Mayo Clinic, UF Health Jacksonville and several Baptist Health and Ascension St. Vincent's hospitals.
Beaches and Coastal Towns
Jacksonville Beach, Atlantic Beach, Ponte Vedra Beach, Fernandina Beach, Flagler Beach and St. Augustine Beach draw retirees and seasonal residents along the Atlantic coast.
Fast-Growing Suburbs
St. Johns and Clay counties and Palm Coast in Flagler County have added many new residents, and new hospitals have opened in recent years to serve them.
Rural Communities
Baker and Putnam counties and western Nassau County are more rural, with local hospitals in Macclenny and Palatka and longer drives to specialty care.
Healthcare Travel
Many residents of the surrounding counties travel into Jacksonville for specialists, cancer care or complex procedures while using local doctors for routine care.
Resources for Older Adults
ElderSource, the Area Agency on Aging for Northeast Florida, serves Baker, Clay, Duval, Flagler, Nassau and St. Johns counties. Putnam County is served by Elder Options. Both can connect you with free SHINE Medicare counseling.
Counties and Communities of Northeast Florida
Duval County
Jacksonville • Jacksonville Beach • Atlantic Beach • Neptune Beach • Baldwin
Duval County and the City of Jacksonville share one consolidated government. The county has the region's largest group of hospitals, including Mayo Clinic, UF Health Jacksonville, Baptist Medical Center Jacksonville and Ascension St. Vincent's Riverside and Southside.
St. Johns County
St. Augustine • Ponte Vedra Beach • St. Johns • Hastings
St. Johns County combines historic St. Augustine, coastal Ponte Vedra Beach and fast-growing communities in the north of the county. Flagler Hospital serves St. Augustine, and Ascension St. Vincent's St. Johns County serves the northern part of the county.
Clay County
Orange Park • Fleming Island • Green Cove Springs • Middleburg • Keystone Heights
Clay County sits southwest of Jacksonville along the St. Johns River. HCA Florida Orange Park Hospital and Ascension St. Vincent's Clay County serve the county, and many residents also see Jacksonville specialists.
Nassau County
Fernandina Beach • Yulee • Callahan • Hilliard
Nassau County runs from Amelia Island on the coast to rural communities near the Georgia line. Baptist Medical Center Nassau is in Fernandina Beach, and Jacksonville is the nearest larger medical market.
Flagler County
Palm Coast • Bunnell • Flagler Beach
Flagler County is centered on Palm Coast, where AdventHealth Palm Coast and AdventHealth Palm Coast Parkway serve the county. Residents may also travel north to St. Augustine and Jacksonville or south toward Daytona Beach.
Putnam County
Palatka • Crescent City • Interlachen • Welaka
Putnam County is a largely rural county along the St. Johns River. HCA Florida Putnam Hospital in Palatka provides local hospital care, and residents may travel to Jacksonville, St. Augustine or Gainesville for specialists.
Baker County
Macclenny • Glen St. Mary • Sanderson
Baker County is a rural county west of Jacksonville along Interstate 10. Ed Fraser Memorial Hospital in Macclenny provides local care, and Jacksonville is the closest major medical center.
Why Your Location Within Northeast Florida Matters
Two Medicare beneficiaries in Northeast Florida can have very different healthcare experiences. Someone near Mayo Clinic or downtown Jacksonville has many hospitals and specialists nearby, while someone in Macclenny, Palatka or Hilliard may drive considerably farther for some specialty care.
That difference doesn’t change the standardized benefits of a Medicare Supplement plan. It does change how residents access and use healthcare, which is why it helps to look at Northeast Florida as a region rather than one county at a time.
Healthcare and Medicare Access Across Northeast Florida
CMS lists 16 Medicare-certified general hospitals in Northeast Florida. Seven are in Duval County, and every other county in the region has at least one. Jacksonville provides most of the region’s advanced specialty care, including cancer, cardiac and transplant programs, while community hospitals in the surrounding counties handle emergency and routine hospital care closer to home.
The table and map also include three psychiatric hospitals.
The map shows each hospital. Click a marker for its address, phone number and driving directions in Google Maps.
Medicare-Certified Hospitals in Northeast Florida
This table lists the hospitals CMS reports in each of the seven counties, with CMS overall star ratings from the Hospital General Information dataset released August 2026. It includes general acute care and psychiatric hospitals. The naval hospital in Jacksonville, a military hospital, is not included.
| Hospital | County | Address | Phone | Type | CMS overall rating | Links |
|---|---|---|---|---|---|---|
| Ed Fraser Memorial Hospital | Baker | 159 N 3rd St, Macclenny, FL 32063 | (904) 259-3151 | Acute care | 1 of 5 stars | Care Compare | Directions |
| Northeast Florida State Hospital | Baker | 7487 S State Rd 121, Macclenny, FL 32063 | (904) 330-2001 | Psychiatric | Not rated | Care Compare | Directions |
| Ascension St. Vincent's Clay County | Clay | 1670 St. Vincents Way, Middleburg, FL 32068 | (904) 602-1000 | Acute care | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Orange Park Hospital | Clay | 2001 Kingsley Ave, Orange Park, FL 32073 | (904) 276-8500 | Acute care | 3 of 5 stars | Care Compare | Directions |
| Ascension St. Vincent's Riverside | Duval | 1 Shircliff Way, Jacksonville, FL 32204 | (904) 308-7300 | Acute care | 3 of 5 stars | Care Compare | Directions |
| Ascension St. Vincent's Southside | Duval | 4201 Belfort Rd, Jacksonville, FL 32216 | (904) 296-3700 | Acute care | 4 of 5 stars | Care Compare | Directions |
| Baptist Health Medical Center Jacksonville | Duval | 800 Prudential Dr, Jacksonville, FL 32207 | (904) 202-2000 | Acute care | 4 of 5 stars | Care Compare | Directions |
| HCA Florida Memorial Hospital | Duval | 3625 University Blvd S, Jacksonville, FL 32216 | (904) 702-6111 | Acute care | 2 of 5 stars | Care Compare | Directions |
| Mayo Clinic | Duval | 4500 San Pablo Rd, Jacksonville, FL 32224 | (904) 953-2000 | Acute care | 5 of 5 stars | Care Compare | Directions |
| River Point Behavioral Health | Duval | 6300 Beach Blvd, Jacksonville, FL 32216 | (904) 724-9202 | Psychiatric | Not rated | Care Compare | Directions |
| UF Health Jacksonville (listed by CMS as Shands Jacksonville) | Duval | 655 W 8th St, Jacksonville, FL 32209 | (904) 244-4000 | Acute care | 4 of 5 stars | Care Compare | Directions |
| Wekiva Springs | Duval | 3947 Salisbury Rd, Jacksonville, FL 32216 | (904) 296-3533 | Psychiatric | Not rated | Care Compare | Directions |
| Baptist Medical Center Beaches | Duval | 1350 13th Ave S, Jacksonville Beach, FL 32250 | (904) 247-2900 | Acute care | 4 of 5 stars | Care Compare | Directions |
| AdventHealth Palm Coast | Flagler | 60 Memorial Medical Pkwy, Palm Coast, FL 32164 | (386) 586-2000 | Acute care | 5 of 5 stars | Care Compare | Directions |
| AdventHealth Palm Coast Parkway | Flagler | 1 AdventHealth Way, Palm Coast, FL 32137 | (386) 302-1800 | Acute care | 4 of 5 stars | Care Compare | Directions |
| Baptist Medical Center Nassau | Nassau | 1250 S 18th St, Fernandina Beach, FL 32034 | (904) 321-3500 | Acute care | 4 of 5 stars | Care Compare | Directions |
| HCA Florida Putnam Hospital | Putnam | 611 Zeagler Dr, Palatka, FL 32177 | (386) 328-5711 | Acute care | 2 of 5 stars | Care Compare | Directions |
| Flagler Hospital | St. Johns | 400 Health Park Blvd, St. Augustine, FL 32086 | (904) 819-5155 | Acute care | 3 of 5 stars | Care Compare | Directions |
| Ascension St. Vincent's St. Johns County | St. Johns | 205 Trinity Way, St. Johns, FL 32259 | (904) 450-6020 | Acute care | 4 of 5 stars | Care Compare | Directions |
A star rating is one measure of quality, and Care Compare shows the details behind it. Hospital systems sometimes report more than one campus under a single listing. Psychiatric hospitals do not receive CMS overall star ratings.
Health Systems in the Region
- Mayo Clinic operates its Florida campus in Jacksonville.
- UF Health Jacksonville is an academic medical center affiliated with the University of Florida.
- Baptist Health operates hospitals in Jacksonville, Jacksonville Beach and Fernandina Beach.
- Ascension St. Vincent’s operates hospitals in Jacksonville, Middleburg and northern St. Johns County.
- HCA Florida operates hospitals in Jacksonville, Orange Park and Palatka.
- AdventHealth operates two hospitals in Palm Coast.
- Flagler Hospital serves St. Augustine and St. Johns County.
Medical Travel Across Northeast Florida
Medical travel in Northeast Florida usually points toward Jacksonville, but not always. The most practical destination depends on where you live, the type of care you need and which health system your doctors use.
Jacksonville and the Beaches
Residents of Duval County and the beaches have the region’s largest choice of hospitals and specialists close to home. For many, the question is which health system to use rather than how far to travel.
St. Johns County
Northern St. Johns County is closely tied to Jacksonville’s Southside and the Mayo Clinic area. St. Augustine residents often use Flagler Hospital locally and travel north for more specialized care.
Clay County
Orange Park and Fleming Island residents have local hospitals and quick access to Jacksonville. Residents around Keystone Heights and western Clay County may face longer drives.
Nassau County
Fernandina Beach and Yulee residents use Baptist Medical Center Nassau and travel south to Jacksonville for many specialists. Callahan and Hilliard residents may find Jacksonville the nearest option for hospital care.
Flagler County
Palm Coast sits between two medical markets. Residents may travel north to St. Augustine and Jacksonville or south to Daytona Beach in our Space Coast region.
Putnam and Baker Counties
Palatka and Macclenny have local hospitals for emergency and routine care. For advanced services, Putnam residents may choose Jacksonville, St. Augustine or Gainesville in our North Central Florida region, and Baker residents usually look east to Jacksonville.
Why Medical Travel Matters for Medicare Beneficiaries
A long drive made once a year is very different from the same drive made several times a month. Before choosing a distant provider, consider how often you will need appointments, whether follow-up care can happen closer to home and whether the farther provider offers something you can’t get locally.
With Original Medicare and a Medicare Supplement plan, you can choose any provider that accepts Medicare, wherever it is. Medigap does not pay for ordinary travel costs such as gas, parking or lodging, so the practical cost of travel is worth weighing alongside the medical benefit.
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An agent can guide you through this timing, explain guaranteed-issue rights, and help avoid pitfalls like late enrollment penalties or medical underwriting if you switch plans later.
Finding Medicare-Accepting Doctors in Northeast Florida
Use the doctor search on Medicare Care Compare to find physicians by specialty and location, then confirm with the office that the doctor accepts Medicare and is taking new patients.
Search by Corridor, Not Just County
Northeast Florida’s healthcare follows its main roads and population centers. A Fleming Island resident may find the right specialist in Orange Park or on Jacksonville’s Southside. A Yulee resident may search both Fernandina Beach and north Jacksonville. A Palm Coast resident may search Palm Coast, St. Augustine and Daytona Beach.
Ask About Medicare Assignment
A doctor who accepts Medicare assignment agrees to the Medicare-approved amount as full payment for covered services. That matters with Plan N and other plans that don’t cover Part B excess charges.
What Does “Accepts Medicare Assignment” Mean?
A healthcare provider who accepts Medicare assignment agrees to accept the Medicare-approved amount as full payment for covered services.
This can reduce what you’re responsible for paying. Participating providers agree to charge only the applicable Medicare deductible and coinsurance for covered services and submit the Medicare claim directly.
That’s why there is an important distinction between asking:
“Does this doctor see Medicare patients?”
and:
“Does this doctor accept Medicare assignment?”
A non-participating provider may still treat Medicare beneficiaries but can, in many circumstances, charge up to 15% above the Medicare-approved amount.
What to Consider When Choosing a Doctor
Medicare Participation
Confirm that the physician accepts Medicare and determine whether the provider accepts Medicare assignment.
Specialty and Experience
Make sure the physician provides the type of care you need, particularly when choosing specialists for ongoing or complex medical conditions.
Location and Travel Time
A physician who is convenient for someone in Jacksonville may be a long drive from Macclenny, Palatka or Palm Coast. Consider how often you will need to see the doctor.
Hospital Affiliations
If you prefer a particular hospital, such as Mayo Clinic or a Baptist Health or Ascension St. Vincent's hospital, ask whether the physician practices there.
Can You See Doctors Outside Northeast Florida With Medigap?
Yes. Medicare Supplement plans don’t limit you to doctors in Northeast Florida. With Original Medicare, you can use any doctor or hospital in the United States that accepts Medicare, including providers in Gainesville, Orlando or southern Georgia.
That flexibility helps seasonal residents and anyone who wants a specialist outside the region. Your Medigap plan pays its share of Medicare-covered costs the same way wherever you receive care in the United States.
Common Medicare Questions from Northeast Florida Residents
What is the best Medicare Supplement plan for Northeast Florida residents?
There is no single best plan for everyone. Plan G and Plan N are the most commonly compared plans for people new to Medicare, but the right choice depends on your budget, how often you see doctors and whether your providers accept Medicare assignment. Benefits are the same from every carrier, so compare premiums for your ZIP code.
Can I use Mayo Clinic or UF Health Jacksonville with a Medicare Supplement plan?
Yes, if the provider accepts Medicare. Medicare Supplement plans work with Original Medicare and have no networks, so you can use any doctor or hospital in the United States that accepts Medicare. Confirm that the specific physician accepts Medicare before your appointment.
Do Medicare Supplement premiums differ between Jacksonville and the surrounding counties?
They can. Carriers set premiums using factors such as ZIP code, age and tobacco use, so the same plan letter may cost more or less in Duval, St. Johns, Clay or Putnam County. Compare quotes for your own ZIP code.
Which Northeast Florida counties have their own hospital?
All seven do. CMS lists 16 Medicare-certified general hospitals in the region: seven in Duval County, two each in Clay, Flagler and St. Johns counties and one each in Baker, Nassau and Putnam counties.
Where can I get free Medicare counseling in Northeast Florida?
SHINE offers free, unbiased Medicare counseling. Call 1-800-963-5337 or contact ElderSource, the Area Agency on Aging for Baker, Clay, Duval, Flagler, Nassau and St. Johns counties. Putnam County residents are served by Elder Options.
Does my Medigap plan work if I see a doctor in Georgia or Gainesville?
Yes. Medicare Supplement coverage follows Original Medicare, so you can see providers in other states and other Florida regions as long as they accept Medicare.
When should I buy a Medicare Supplement plan?
Usually during your six-month Medigap open enrollment period, which starts the month you are 65 or older and enrolled in Part B. During that period carriers cannot deny you or charge more because of your health.
Does a Medicare Supplement plan cover prescription drugs?
No. Medigap plans sold today do not cover outpatient prescription drugs. Pair your plan with a separate Medicare Part D plan.
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