Medicare Supplement Plans in Liberty County, Florida: Bristol & Hosford
What Medicare Supplement plans pay in Liberty County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Liberty County, Florida
Liberty County, a rural county west of Tallahassee along the Apalachicola River, has no Medicare-certified hospital and no Medicare-certified nursing home, according to CMS data updated in 2026. Residents use Calhoun Liberty Hospital in neighboring Blountstown and hospitals in Tallahassee. About 18% of its roughly 8,000 residents are 65 or older. This page shows what Medicare Supplement plans pay here in 2026, with cost examples and a calculator, then lists each hospital and nursing home with its CMS rating and points you to free local Medicare help.
Reviewed by Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Florida since 1994 and in Alabama (NPN 553216).
Verify the license on the Florida Department of Financial Services licensee search using NPN 553216. Last reviewed October 11, 2026. Medicare amounts on this page are checked against CMS figures for 2026.
Liberty County at a Glance
| County seat | Bristol |
|---|---|
| Incorporated city | Bristol |
| Other communities | Hosford, Telogia and Sumatra |
| Population | 8,035 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 17.5% |
| People with Medicare | 1,595 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 481 (30.2%) |
| In Medicare Advantage or other health plans | 1,114 (69.8%) |
| Medicare-certified hospitals | None in the county; the nearest is in Blountstown |
| Medicare-certified nursing homes | None in the county; the nearest are in Blountstown |
| Free Medicare counseling | SHINE, 1-800-963-5337 |
Medicare enrollment comes from CMS Medicare Monthly Enrollment data for June 2026. Facility counts come from CMS Provider Data Catalog datasets released between July and October 2026. Facilities open, close and change names, so confirm details with the facility or on Medicare Care Compare.
Liberty County is part of our Florida Panhandle Medicare Supplement region, a heavily forested rural county east of the Apalachicola River that includes much of the Apalachicola National Forest. With no hospital or nursing home in the county, residents rely on Calhoun Liberty Hospital across the river in Blountstown and on hospitals in Tallahassee.
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Medicare Supplement Plans in Liberty County
Of the 1,595 people with Medicare in Liberty County, 481 (30.2%) use Original Medicare, according to CMS enrollment data for June 2026. That is the group that can add a Medicare Supplement (Medigap) plan. The share is lower than the statewide figure of 42.9%. Another 215 Liberty County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Liberty County Residents
- No hospital in the county: Every hospital stay for Liberty County residents happens elsewhere, in Blountstown or Tallahassee. A Medicare Supplement plan pays the same way at any hospital in the United States that accepts Medicare.
- Fewer people in Original Medicare: Only 30.2% of Liberty County’s Medicare population uses Original Medicare, below the statewide share of about 43%. If you are comparing a Medicare Advantage plan with a Medigap plan, check whether the Advantage plan’s network includes the Blountstown and Tallahassee hospitals you would use.
- Ambulance transport: Part B covers medically necessary ambulance rides, and you normally pay 20% after the Part B deductible. Plan G and Plan N pay that 20%, which matters when the nearest hospital is in another county.
- Medicaid and Medicare Savings Programs: CMS counts 348 Liberty County residents with both Medicare and Medicaid. People who qualify for Medicaid usually do not need a Medigap plan, and SHINE counselors can check whether you qualify for a Medicare Savings Program.
Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
What Care in Liberty County Costs With and Without a Medigap Plan
Medicare charges the same deductibles and coinsurance at every hospital and nursing home that accepts it, so the amounts below apply whether you use Calhoun Liberty Hospital, Tallahassee Memorial HealthCare or any other Medicare-certified hospital. The table shows what you would pay in 2026 for medical care, before any plan premium.
| Coverage | Routine year 6 doctor visits and $800 in tests | 4-day stay at Tallahassee Memorial HealthCare plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Liberty County nursing home |
|---|---|---|---|
| Original Medicare only | $566 | $2,502 | $3,587 |
| Plan G | $283 | $283 | $283 |
| Plan N | $403 | $443 | $443 |
| High-Deductible Plan G | $566 | $2,502 | $2,950 |
| Plan K | $425 | $1,393 | $1,935 |
| Plan L | $354 | $838 | $1,109 |
In the hospital stay and rehab example, Original Medicare alone leaves you with $3,587: the $1,736 Part A deductible, $217 a day for rehab days 21 to 25, the $283 Part B deductible and 20% of the remaining Part B charges. Plan G leaves only the $283 Part B deductible. Plan N adds up to $20 per office visit. High-Deductible Plan G stops at its $2,950 deductible.
Examples assume Medicare-approved amounts of $150 per doctor visit and that every provider accepts Medicare assignment. Plan K and Plan L have yearly out-of-pocket limits of $8,000 and $4,000 in 2026. Premiums vary by carrier, age and ZIP code and are not included.
What would you pay in Liberty County in 2026?
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Rehab days 1 to 20 cost nothing under Medicare. Days 21 to 100 cost $217 a day in 2026 unless a plan pays it.
Based on 2026 Medicare amounts: a $1,736 hospital deductible per stay, the $283 Part B deductible, 20% of doctor and outpatient bills and $217 a day for rehab days 21 to 100. Each hospital stay is 4 days, each doctor visit is $150 and tests are included in each example. Assumes your doctors accept Medicare assignment. The Part B premium, $202.90 a month for most people, is the same with or without a plan and is not shown. Drug, dental, vision and hearing costs are not included. Estimates are for education; your costs depend on your care.
Hospitals Serving Liberty County
CMS lists no hospital in Liberty County. Calhoun Liberty Hospital, across the Apalachicola River in Blountstown, is the closest. It is a critical access hospital, a small rural hospital type that is often too small to receive a CMS overall rating. For surgery and specialty care, most residents travel to Tallahassee.
Nearest Hospitals Outside Liberty County
All three hospitals have emergency departments. Ratings are CMS overall hospital ratings from 1 to 5 stars.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Calhoun Liberty Hospital | Calhoun | 16257 State Road 71 S, Blountstown, FL 32424 | (850) 674-5411 | Not rated | Care Compare | Directions |
| Tallahassee Memorial HealthCare | Leon | 1300 Miccosukee Rd, Tallahassee, FL 32308 | (850) 431-1155 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Capital Hospital | Leon | 2626 Capital Medical Blvd, Tallahassee, FL 32308 | (850) 656-5000 | 2 of 5 stars | Care Compare | Directions |
Ratings are CMS overall hospital star ratings from the Hospital General Information dataset released August 2026. A star rating is one measure of quality, and Care Compare shows the details behind it.
Map of Hospitals Serving Liberty County
The map shows the nearest hospitals to Liberty County, in Blountstown and Tallahassee. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Liberty County
CMS lists no Medicare-certified nursing home in Liberty County. The closest are the two nursing homes in Blountstown in neighboring Calhoun County, so search Care Compare by ZIP code to compare options. Medicare Part A can cover a short skilled nursing stay after a qualifying hospital stay, and most Medicare Supplement plans help with the daily coinsurance for days 21 to 100, $217 per day in 2026. Neither Medicare nor Medigap pays for long-term custodial care.
Nursing home ratings come from the CMS Provider Information dataset released October 2026. Search Care Compare by ZIP code to see the current ratings for nursing homes near you.
Home Health, Hospice and Dialysis in Liberty County
- Home health: CMS lists no Medicare-certified home health agency with an office in Liberty County. Agencies based in neighboring counties may serve your area, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Liberty County. Agencies based in neighboring counties serve the area, so search hospice care on Care Compare by your ZIP code. Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists no dialysis facility in Liberty County. Search dialysis facilities on Care Compare for the nearest locations, shifts and ratings.
- Doctors: Doctor participation changes often, so use Care Compare’s doctor search and ask the office whether it accepts Medicare assignment. Providers who accept assignment cannot bill you Part B excess charges.
Free Medicare Help in Liberty County
These public and nonprofit resources help Liberty County residents with Medicare questions at no cost.
| Resource | What it helps with | Contact |
|---|---|---|
| SHINE (Serving Health Insurance Needs of Elders) | Free, unbiased Medicare counseling from trained volunteers, run locally by Advantage Aging Solutions, the Area Agency on Aging for North Florida | 2414 Mahan Drive, Tallahassee, FL 32308 (850) 488-0055 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Liberty County | Public health services, vaccinations and clinic services | 10971 NW Spring St, Bristol, FL 32321 (850) 643-2415 liberty.floridahealth.gov |
| Social Security Administration | Enrolling in Medicare Parts A and B, Part B premiums and replacement Medicare cards | Find your local office or call 1-800-772-1213 |
| Medicare | Coverage questions, Care Compare and plan information | 1-800-MEDICARE (1-800-633-4227) medicare.gov |
Liberty County Medicare FAQs
How many people in Liberty County use Original Medicare?
CMS counts 1,595 people with Medicare in Liberty County as of June 2026. Of them, 481 (30.2%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 1,114 are in Medicare Advantage or other health plans.
What would a hospital stay at Tallahassee Memorial HealthCare cost me with Plan G?
For a 4-day stay in 2026, Original Medicare alone leaves you with the $1,736 Part A deductible. Plan G pays it, along with your Part B coinsurance, so your only Medicare cost for the year is the $283 Part B deductible. The amounts are the same at every hospital that accepts Medicare.
Will my Medicare Supplement plan cover care in Tallahassee?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Blountstown, Tallahassee or anywhere else. There are no provider networks.
Should Liberty County residents choose Plan G or Plan N?
Both cover hospital costs in full. Plan N charges up to $20 for some office visits and up to $50 for ER visits that do not lead to an admission, and it does not cover Part B excess charges. If your doctors accept Medicare assignment, excess charges do not apply. Use the calculator on this page with your own quotes to compare.
When should I buy a Medicare Supplement plan?
The best time is usually your six-month Medigap open enrollment period, which starts the month you are 65 or older and enrolled in Part B. During it, carriers cannot deny you or charge more because of your health.
Does Medicare cover an ambulance to a hospital outside Liberty County?
Medicare Part B covers emergency ambulance transportation to the nearest appropriate facility. After the $283 Part B deductible you normally pay 20% of the approved amount, and Plan G and Plan N pay that 20%.
Is there a hospital in Liberty County?
No. CMS lists no hospital in Liberty County. The closest is Calhoun Liberty Hospital in Blountstown, and the nearest larger hospitals are Tallahassee Memorial HealthCare and HCA Florida Capital Hospital in Tallahassee.
Where can I get free Medicare counseling in Liberty County?
SHINE offers free, unbiased Medicare counseling through Advantage Aging Solutions, the Area Agency on Aging for North Florida, in Tallahassee. Call (850) 488-0055 or 1-800-963-5337.
Sources
- Centers for Medicare & Medicaid Services. (2026, August 13). Hospital General Information [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, October 8). Nursing Home Provider Information [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, August 26). Hospice General Information [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, July 15). Home Health Care Agencies [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, July 15). Dialysis Facility Listing by Facility [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2025, November 14). 2026 Medicare Parts A & B Premiums and Deductibles [Fact sheet].
- Centers for Medicare & Medicaid Services. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Medicare.gov. Accessed October 9, 2026.
- Centers for Medicare & Medicaid Services. Medicare Care Compare. Medicare.gov. Accessed October 9, 2026.
- U.S. Census Bureau. QuickFacts: Liberty County, Florida (population estimates, July 1, 2025). Accessed October 9, 2026.
- Florida Department of Elder Affairs. SHINE: Serving Health Insurance Needs of Elders. Accessed October 9, 2026.
- Advantage Aging Solutions. Advantage Aging Solutions. Accessed October 9, 2026.
- Florida Department of Health in Liberty County. Contact Us. Accessed October 9, 2026.
- Medicare.gov. Ambulance services. Accessed October 9, 2026.
- Centers for Medicare & Medicaid Services. (2026). Medicare Monthly Enrollment [Data set], June 2026 county data. Accessed October 11, 2026.
- Centers for Medicare & Medicaid Services. (2025, October). Medigap High-Deductible Options for Plans F, G and J, 2026 [Announcement].
- Centers for Medicare & Medicaid Services. Compare Medigap Plan Benefits. Medicare.gov. Accessed October 11, 2026.
- Florida Department of Financial Services. Licensee Search. Accessed October 9, 2026.
Compare Medicare Supplement Plans in Liberty County
Plan benefits are the same from every carrier, but premiums in Liberty County vary by carrier, ZIP code and age. A side-by-side comparison for your ZIP code shows which carriers offer the plan you want and how their prices and rate histories compare.
Start with our Medicare Supplement plan comparison or talk with a licensed Medicare specialist below.
Towns We Serve in Liberty County
Medicare Supplement plans work the same way in every Liberty County town: the benefits for each plan letter are set by federal law, you can see any doctor or hospital in the country that accepts Medicare, and your premium depends on your ZIP code, age, sex and tobacco use. Use the estimator above with your own ZIP code to see the rates filed for your area.
Medicare Supplement Plans in Bristol
The Liberty County seat and one of the smallest incorporated towns in Florida, with a close-knit rural community. About 1,020 people live in Bristol, and about 259 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is Calhoun Liberty Hospital in Blountstown, about 5 miles away in a straight line.
Medicare Supplement Plans in Hosford
A small rural town in Liberty County, with most medical care in Tallahassee or Blountstown. About 982 people live in Hosford, and about 35 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is Calhoun Liberty Hospital in Blountstown, about 15 miles away in a straight line.
Have a question about coverage in your town? Request a free quote or call and a licensed agent will walk you through it.
Communities in Liberty County
I help people with Medicare Supplement plans in every city, town and community in Liberty County.
- Bristol
- Hosford
- Lake Mystic
- Sumatra
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MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216