Medicare Supplement Plans and Medicare Resources in Santa Rosa County, Florida
What Medicare Supplement plans pay in Santa Rosa County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Santa Rosa County, Florida
Santa Rosa County, home to Milton, Gulf Breeze, Pace and Navarre, sits just east of Pensacola. CMS lists three Medicare-certified hospitals, including a critical access hospital in Jay, and four Medicare-certified nursing homes, according to data updated in 2026. About 19% of its roughly 211,000 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.
Santa Rosa County at a Glance
| County seat | Milton |
|---|---|
| Incorporated places | Milton, Gulf Breeze and Jay |
| Other communities | Pace, Navarre, Navarre Beach and Midway |
| Population | 211,115 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 18.8% |
| People with Medicare | 45,116 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 24,346 (54.0%) |
| In Medicare Advantage or other health plans | 20,770 (46.0%) |
| Medicare-certified hospitals | 2 acute care hospitals and 1 critical access hospital |
| Medicare-certified nursing homes | 4 |
| Medicare-certified dialysis facilities | 3 |
| Free Medicare counseling | SHINE through the Northwest Florida Area Agency on Aging, (850) 494-7101 |
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.
Santa Rosa County sits between Pensacola and Okaloosa County in our Florida Panhandle Medicare Supplement region, from Gulf Breeze and Navarre on the coast through Pace and Milton to Jay near the Alabama line. It has hospitals in Milton, Gulf Breeze and Jay, and the larger Pensacola hospitals are just across Escambia Bay.
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Medicare Supplement Plans in Santa Rosa County
Of the 45,116 people with Medicare in Santa Rosa County, 24,346 (54.0%) 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 higher than the statewide figure of 42.9%. Another 11,867 Santa Rosa County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Santa Rosa County Residents
- Military retirees and TRICARE For Life: Santa Rosa County is home to Naval Air Station Whiting Field. TRICARE For Life already acts as a supplement to Medicare for eligible retirees, so compare it with a Medigap plan before buying both.
- A large Original Medicare population: CMS counts 24,346 Santa Rosa County residents in Original Medicare, 54.0% of the county’s Medicare population and well above the statewide share of about 43%. A Medicare Supplement plan pays the same way at county hospitals and at Pensacola 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 4,312 Santa Rosa 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 Santa Rosa 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 Santa Rosa Medical Center, Gulf Breeze Hospital, a Pensacola 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 Santa Rosa Medical Center plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Santa Rosa 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 Santa Rosa 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.
Medicare-Certified Hospitals in Santa Rosa County
CMS lists three hospitals in Santa Rosa County, all with emergency departments. Santa Rosa Medical Center in Milton and Gulf Breeze Hospital each hold a CMS overall rating of 4 of 5 stars. Jay Hospital is a critical access hospital, a small rural hospital with limited inpatient beds, and has no star rating in the current data.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Gulf Breeze Hospital | Acute care | 1110 Gulf Breeze Pkwy, Gulf Breeze, FL 32561 | (850) 934-2000 | 4 of 5 stars | Care Compare | Directions |
| Santa Rosa Medical Center | Acute care | 6002 Berryhill Rd, Milton, FL 32570 | (850) 626-7762 | 4 of 5 stars | Care Compare | Directions |
| Jay Hospital | Critical access | 14114 Alabama St, Jay, FL 32565 | (850) 675-4532 | Not rated | Care Compare | Directions |
Nearby Pensacola Hospitals
For specialists and more advanced care, Santa Rosa County residents can also use Pensacola hospitals in Escambia County. Three are listed here, and the Escambia County page lists the rest.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ascension Sacred Heart Pensacola | Escambia | 5151 N 9th Ave, Pensacola, FL 32504 | (850) 416-7000 | 4 of 5 stars | Care Compare | Directions |
| Baptist Hospital | Escambia | 123 Baptist Way, Pensacola, FL 32503 | (850) 434-4011 | 4 of 5 stars | Care Compare | Directions |
| HCA Florida West Hospital | Escambia | 8383 N Davis Hwy, Pensacola, FL 32514 | (850) 494-4000 | 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. Many critical access hospitals are too small to receive an overall rating.
Map of Medicare-Certified Facilities in and Near Santa Rosa County
The map shows Santa Rosa County’s three hospitals, its four nursing homes and three Pensacola hospitals. The county’s three dialysis centers in Milton and Gulf Breeze are listed below but not mapped. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Santa Rosa County
CMS lists four Medicare-certified nursing homes in Santa Rosa County with 410 certified beds. PruittHealth Santa Rosa in Milton holds a CMS overall rating of 5 of 5 stars. Santa Rosa Center for Rehabilitation and Healing and Sandy Ridge Center for Rehabilitation and Healing, both in Milton, hold 4 stars, and Bay Breeze Rehabilitation by Harborview in Gulf Breeze holds 3 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.
Show all 4 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Bay Breeze Rehabilitation by Harborview | 3387 Gulf Breeze Parkway, Gulf Breeze, FL 32561 | (850) 932-9257 | 120 | 3 of 5 | Care Compare | Directions |
| PruittHealth Santa Rosa | 5530 Northrop Road, Milton, FL 32570 | (850) 983-8888 | 120 | 5 of 5 | Care Compare | Directions |
| Sandy Ridge Center for Rehabilitation and Healing | 5360 Glover Lane, Milton, FL 32570 | (850) 626-9225 | 60 | 4 of 5 | Care Compare | Directions |
| Santa Rosa Center for Rehabilitation and Healing | 5386 Broad St, Milton, FL 32570 | (850) 623-4661 | 110 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Escambia and Okaloosa counties are also options, so search Care Compare by ZIP code if you need more choices.
Home Health, Hospice and Dialysis in Santa Rosa County
- Home health: Home health agencies based in Pensacola and other neighboring areas serve Santa Rosa County. Medicare covers home health care with no coinsurance when you qualify, so Medigap matters less here. Search by your ZIP code on Medicare Care Compare to see which agencies serve your home, with their ratings.
- Hospice: CMS lists no hospice agency based in Santa Rosa County. Agencies based in Pensacola and other neighboring areas serve the county, 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 three dialysis facilities in Santa Rosa County. FMC Milton is at 5934 Berryhill Rd, (850) 626-9448. DaVita Santa Rosa Dialysis is at 5819 Highway 90 in Milton, (850) 623-8299. FMC Gulf Breeze is at 2583 Gulf Breeze Pkwy, (850) 934-1951. Dialysis is a Part B service, so the 20% coinsurance applies, and every Medigap plan helps pay it.
- 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 Santa Rosa County
These public and nonprofit resources help Santa Rosa 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 Northwest Florida Area Agency on Aging | 5090 Commerce Park Circle, Pensacola, FL 32505 (850) 494-7101 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Santa Rosa County | Public health services, vaccinations and clinic services | 5527 Stewart St, Milton, FL 32570 (850) 983-5200 santarosa.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 |
Santa Rosa County Medicare FAQs
How many people in Santa Rosa County use Original Medicare?
CMS counts 45,116 people with Medicare in Santa Rosa County as of June 2026. Of them, 24,346 (54.0%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 20,770 are in Medicare Advantage or other health plans.
What would a hospital stay at Santa Rosa Medical Center 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 Pensacola or Alabama?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Milton, Pensacola, Alabama or anywhere else. There are no networks or state lines to worry about.
Should Santa Rosa 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.
I am a military retiree. How does a Medigap plan fit with TRICARE For Life?
TRICARE For Life works as a supplement to Medicare for eligible military retirees, so many do not need a separate Medigap plan. Spouses or others without TRICARE For Life often use a Medigap plan. SHINE counselors can help you compare.
How many hospitals are in Santa Rosa County?
CMS lists three. Santa Rosa Medical Center in Milton and Gulf Breeze Hospital each hold 4 of 5 stars, and Jay Hospital is a critical access hospital. All three have emergency departments, and Pensacola hospitals are also nearby.
Where can I get free Medicare counseling in Santa Rosa County?
SHINE offers free, unbiased Medicare counseling through the Northwest Florida Area Agency on Aging. Call (850) 494-7101 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, 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: Santa Rosa 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 Santa Rosa County. Milton location. Accessed October 9, 2026.
- TRICARE. TRICARE For Life. 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 Santa Rosa County
Plan benefits are the same from every carrier, but premiums in Santa Rosa 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 Santa Rosa County
Medicare Supplement plans work the same way in every Santa Rosa 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 Milton
The Santa Rosa County seat, a historic river town with county government and military ties. About 10,733 people live in Milton, and about 1,808 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 Santa Rosa Medical Center in Milton, about 1 mile away in a straight line.
Medicare Supplement Plans in Gulf Breeze
A waterfront city between Pensacola and Pensacola Beach with an established retiree population. About 6,660 people live in Gulf Breeze, and about 1,845 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 Gulf Breeze Hospital in Gulf Breeze, 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 Santa Rosa County
I help people with Medicare Supplement plans in every city, town and community in Santa Rosa County, including these with their own local pages.
- Bagdad
- East Milton
- Gulf Breeze
- Harold
- Holley
- Milton
- Navarre Beach
- Oriole Beach
- Pea Ridge
- Point Baker
- Tiger Point
- Wallace
- Woodlawn Beach
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Disclaimer:
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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