Medicare Supplement Plans in Okeechobee County, Florida: Okeechobee
What Medicare Supplement plans pay in Okeechobee County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
Free and no obligation. A licensed agent will send your quote within 24 hours.
Compare Plans • Speak With a Licensed Advisor • Quotes Within 24 Hours
Medicare in Okeechobee County, Florida
Okeechobee County, on the north shore of Lake Okeechobee, has one Medicare-certified hospital, HCA Florida Raulerson Hospital, and one Medicare-certified nursing home, according to CMS data updated in 2026. About 22% of its roughly 43,000 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.
Okeechobee County at a Glance
| County seat | Okeechobee |
|---|---|
| Incorporated city | Okeechobee |
| Population | 42,608 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 22.1% |
| People with Medicare | 9,751 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 3,886 (39.9%) |
| In Medicare Advantage or other health plans | 5,865 (60.1%) |
| Medicare-certified hospitals | 1 acute care hospital |
| Medicare-certified nursing homes | 1 |
| Medicare-certified hospice agencies | 1 |
| Medicare-certified dialysis facilities | 1 |
| 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.
Okeechobee County is the inland end of our Treasure Coast Medicare Supplement region, a rural county on the north shore of Lake Okeechobee. Its hospital is in the city of Okeechobee, and residents travel to Fort Pierce, Port St. Lucie or Sebring for many specialists and more advanced care.
Estimate Your Monthly Premium
See the range of Medicare Supplement rates for your Florida or Alabama ZIP code. No name, phone or email needed.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
Medicare Supplement Plans in Okeechobee County
Of the 9,751 people with Medicare in Okeechobee County, 3,886 (39.9%) 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 2,537 Okeechobee County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Okeechobee County Residents
- Care across county lines: Many Okeechobee County residents see specialists in Fort Pierce, Port St. Lucie or Sebring. A Medicare Supplement plan pays the same way at any hospital in the United States that accepts Medicare, with no networks to check.
- Transfers and ambulance rides: 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 for transfers to larger hospitals.
- Plan N and excess charges: Plan N does not pay Part B excess charges, which apply only when a doctor does not accept Medicare assignment. Ask your doctors whether they accept assignment before comparing Plan N with Plan G.
- Medicaid and Medicare Savings Programs: CMS counts 1,993 Okeechobee 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 Okeechobee 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 HCA Florida Raulerson Hospital, a Fort Pierce or Sebring hospital 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 HCA Florida Raulerson Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Okeechobee 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 Okeechobee County in 2026?
Pick the year that sounds most like yours. The bars show what you would pay out of your own pocket for medical care, with and without a Medicare Supplement plan.
1. Choose a year
2. See what you would pay
Add your premium quotes to see the full-year cost (optional)
We do not show premiums. When you enter a quote, that plan's bar includes 12 months of premium.
Change the example (optional)
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.
Medicare-Certified Hospital in Okeechobee County
HCA Florida Raulerson Hospital on U.S. 441 in Okeechobee is the county’s only hospital. It is an acute care hospital with a CMS overall rating of 3 of 5 stars. For planned surgery or specialty care, talk with your doctor about which hospital fits your needs.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Raulerson Hospital | Acute care | 1796 Hwy 441 North, Okeechobee, FL 34972 | (863) 763-2151 | 3 of 5 stars | Care Compare | Directions |
Nearest Hospitals Outside Okeechobee County
For specialists and more advanced care, residents usually go east to Fort Pierce and Port St. Lucie or northwest to Sebring.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Lawnwood Hospital | St. Lucie | 1700 S 23rd St, Fort Pierce, FL 34950 | (772) 461-4000 | 1 of 5 stars | Care Compare | Directions |
| AdventHealth Sebring | Highlands | 4200 Sun N Lake Blvd, Sebring, FL 33872 | (863) 314-4466 | 3 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 Medicare-Certified Facilities in and Near Okeechobee County
The map shows HCA Florida Raulerson Hospital, the county’s nursing home, hospice and dialysis center in Okeechobee, along with nearby hospitals in Fort Pierce and Sebring. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Home in Okeechobee County
CMS lists one Medicare-certified nursing home in Okeechobee County, Okeechobee Health Care Facility on U.S. 441, with 210 certified beds and a CMS overall rating of 5 of 5 stars. 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 | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Okeechobee Health Care Facility | 1646 Highway 441 N, Okeechobee, FL 34972 | (863) 763-2226 | 210 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in St. Lucie, Highlands and other neighboring counties are also options, so search Care Compare by ZIP code if you need more choices.
Home Health, Hospice and Dialysis in Okeechobee County
- Home health: CMS lists one Medicare-certified home health agency with an office in Okeechobee County, Big Lake Home Health Services (Care Compare). Agencies based in neighboring counties may also serve your area, so search by your ZIP code on Medicare Care Compare.
- Hospice: One Medicare-certified hospice agency is based in Okeechobee County: Hospice of Okeechobee at 411 SE 4th St, Okeechobee (Care Compare). Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists one dialysis facility in Okeechobee County, DaVita Big Lake Kidney Center at 3240 US Highway 441 S, Okeechobee, (863) 824-0225. Search dialysis facilities on Care Compare for 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 Okeechobee County
These public and nonprofit resources help Okeechobee 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 the Area Agency on Aging of Palm Beach/Treasure Coast | 4400 N Congress Ave, West Palm Beach, FL 33407 (561) 684-5885 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Okeechobee County | Public health services, vaccinations and clinic services | 1728 NW 9th Ave, Okeechobee, FL 34972 (863) 462-5800 okeechobee.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 |
Okeechobee County Medicare FAQs
How many people in Okeechobee County use Original Medicare?
CMS counts 9,751 people with Medicare in Okeechobee County as of June 2026. Of them, 3,886 (39.9%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 5,865 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Raulerson Hospital 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.
Does Medicare cover a transfer from HCA Florida Raulerson Hospital to a larger hospital?
Medicare Part B covers medically necessary ambulance transport 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%. A new hospital admission is covered under Part A.
Should Okeechobee 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.
Will my Medicare Supplement plan cover care in Fort Pierce or Sebring?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Okeechobee, Fort Pierce, Sebring or anywhere else. There are no networks or referrals.
Is there a hospital in Okeechobee County?
Yes. HCA Florida Raulerson Hospital in Okeechobee is the county’s only hospital, an acute care hospital with a CMS overall rating of 3 of 5 stars. The nearest other hospitals are in Fort Pierce, Port St. Lucie and Sebring.
Where can I get free Medicare counseling in Okeechobee County?
SHINE offers free, unbiased Medicare counseling through the Area Agency on Aging of Palm Beach/Treasure Coast. Call (561) 684-5885 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: Okeechobee 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.
- Florida Department of Health in Okeechobee 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 Okeechobee County
Plan benefits are the same from every carrier, but premiums in Okeechobee 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 Okeechobee County
Medicare Supplement plans work the same way in every Okeechobee 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 Okeechobee
The Okeechobee County seat on the north side of Lake Okeechobee. About 5,479 people live in Okeechobee, and about 1,053 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 HCA Florida Raulerson Hospital in Okeechobee, about 1 mile 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 Okeechobee County
I help people with Medicare Supplement plans in every city, town and community in Okeechobee County.
- Cypress Quarters
- Okeechobee
Get Your Free Medicare Supplement Quote 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:
Site Ownership and Licensing
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.
Insurance product descriptions on this site are provided for informational and 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 may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified tax advisor or attorney regarding your specific situation.
Email and text communications may not be fully secure. Please avoid sending sensitive personal information unless requested through a secure channel.
All trademarks and logos are the property of their respective owners.
Contact Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, Aetna, HealthSpring (formerly Cigna), Medico, Mutual of Omaha, Physicians Mutual, WPS Health Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216
Disclaimer:
Site Ownership and Licensing
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.
Insurance product descriptions on this site are provided for informational and 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 may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified tax advisor or attorney regarding your specific situation.
Email and text communications may not be fully secure. Please avoid sending sensitive personal information unless requested through a secure channel.
All trademarks and logos are the property of their respective owners.
Contact Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, Aetna, HealthSpring (formerly Cigna), Medico, Mutual of Omaha, Physicians Mutual, WPS Health Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216