Medicare Supplement Plans and Medicare Resources in Indian River County, Florida
What Medicare Supplement plans pay in Indian River County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Indian River County, Florida
Indian River County, on Florida’s Treasure Coast, has two Medicare-certified hospitals, Cleveland Clinic Indian River Hospital in Vero Beach and Orlando Health Sebastian River Hospital in Sebastian, plus an inpatient rehabilitation hospital and six Medicare-certified nursing homes, according to CMS data updated in 2026. About 37% of its roughly 173,000 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.
Indian River County at a Glance
| County seat | Vero Beach |
|---|---|
| Incorporated cities and towns | Vero Beach, Sebastian, Fellsmere, Indian River Shores and Orchid |
| Population | 172,799 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 37.3% |
| People with Medicare | 63,111 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 36,036 (57.1%) |
| In Medicare Advantage or other health plans | 27,075 (42.9%) |
| Medicare-certified hospitals | 2 acute care hospitals with emergency departments |
| Rehabilitation hospitals | 1 |
| Medicare-certified nursing homes | 6 |
| Medicare-certified hospice agencies | 1 |
| Medicare-certified home health agencies with offices in the county | 8 |
| Medicare-certified dialysis facilities | 6 |
| 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.
Indian River County is the northern end of our Treasure Coast Medicare Supplement region, running along the Indian River Lagoon from Sebastian through Vero Beach. Its two hospitals are in Vero Beach and Sebastian, and residents also use hospitals in Fort Pierce to the south and Melbourne to the north.
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Medicare Supplement Plans in Indian River County
Of the 63,111 people with Medicare in Indian River County, 36,036 (57.1%) 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 28,328 Indian River County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Indian River County Residents
- More residents in Original Medicare: 57.1% of Indian River County’s Medicare population uses Original Medicare, well above the statewide share of about 43% in the same CMS data. Original Medicare is the coverage a Medigap plan works with.
- Seasonal residents: A Medigap plan works anywhere in the United States that accepts Medicare, so it covers care here and back home for part-year residents. Many Medicare Advantage plans limit routine care outside their service area.
- 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 5,534 Indian River 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 Indian River 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 Cleveland Clinic Indian River Hospital, Orlando Health Sebastian River 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 Cleveland Clinic Indian River Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Indian River 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 Indian River 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.
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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 in Indian River County
CMS lists two acute care hospitals in Indian River County, both with emergency departments and both with a CMS overall rating of 4 of 5 stars. Cleveland Clinic Indian River Hospital is in Vero Beach, and Orlando Health Sebastian River Hospital is on U.S. 1 in Sebastian.
Encompass Health Rehabilitation Hospital of Treasure Coast in Vero Beach provides inpatient rehabilitation after a stroke, joint replacement or other hospital stay.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Cleveland Clinic Indian River Hospital | Acute care | 1000 36th St, Vero Beach, FL 32960 | (772) 567-4311 | 4 of 5 stars | Care Compare | Directions |
| Orlando Health Sebastian River Hospital | Acute care | 13695 US Hwy 1, Sebastian, FL 32958 | (772) 589-3187 | 4 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Treasure Coast | Inpatient rehabilitation | 1600 37th St, Vero Beach, FL 32960 | 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 Indian River County
The map shows Indian River County’s hospitals, rehabilitation hospital, nursing homes and hospice office. Dialysis facilities and home health agencies 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 Indian River County
CMS lists six Medicare-certified nursing homes in Indian River County, all in Vero Beach, with about 590 certified beds. Ratings range from 1 to 5 stars. Willowbrooke Court at Indian River Estates holds 5 stars and Palm Garden of Vero Beach, the largest, 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 6 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Garden View Health and Rehabilitation Center | 2180 10th Avenue, Vero Beach, FL 32960 | (772) 567-5166 | 72 | 1 of 5 | Care Compare | Directions |
| Hidden Lakes Senior Living Community | 1006 33rd St, Vero Beach, FL 32960 | (772) 567-5248 | 24 | 3 of 5 | Care Compare | Directions |
| Palm Garden of Vero Beach | 1755 37th Street, Vero Beach, FL 32960 | (772) 567-2443 | 189 | 3 of 5 | Care Compare | Directions |
| Sea Breeze Rehab and Nursing Center | 3663 15th Ave, Vero Beach, FL 32960 | (772) 567-2552 | 110 | 1 of 5 | Care Compare | Directions |
| Vero Beach Care Center | 1310 37th St, Vero Beach, FL 32960 | (772) 569-5107 | 159 | 2 of 5 | Care Compare | Directions |
| Willowbrooke Court at Indian River Estates | 2440 Citrus Blossom Cir, Vero Beach, FL 32966 | (772) 562-8700 | 40 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Willowbrooke Court is inside the Indian River Estates continuing care retirement community and may limit admission to its own residents. Care Compare explains the details.
Home Health, Hospice and Dialysis in Indian River County
- Home health: CMS lists eight Medicare-certified home health agencies with offices in Indian River County, all in Vero Beach. Agencies serve areas rather than single addresses, so search by your ZIP code on Medicare Care Compare to see which ones serve your home, with their ratings.
- Hospice: CMS lists one hospice agency based in Indian River County, VNA Hospice of Indian River County in Vero Beach, (772) 567-5551. Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists six dialysis facilities in Indian River County: four in Vero Beach and two in Sebastian. 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 Indian River County
These public and nonprofit resources help Indian River 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 Indian River County | Public health services, vaccinations and clinic services | 1900 27th St, Vero Beach, FL 32960 (772) 794-7400 indianriver.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 |
Indian River County Medicare FAQs
How many people in Indian River County use Original Medicare?
CMS counts 63,111 people with Medicare in Indian River County as of June 2026. Of them, 36,036 (57.1%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 27,075 are in Medicare Advantage or other health plans.
What would a hospital stay at Cleveland Clinic Indian River 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 a Medicare Supplement plan work at Cleveland Clinic Indian River Hospital?
Yes. CMS lists it as a Medicare-certified hospital, and Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare. There are no networks or referrals.
Should Indian River 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.
Can I keep my Medicare Supplement plan if I spend summers up north?
Yes. A Medigap plan follows you anywhere in the United States, and Plans G and N pay their share for any doctor or hospital that accepts Medicare. Premiums are based on where you live, so tell your carrier if your permanent address changes.
How many hospitals are in Indian River County?
CMS lists two: Cleveland Clinic Indian River Hospital in Vero Beach and Orlando Health Sebastian River Hospital in Sebastian, both with emergency departments and a CMS overall rating of 4 of 5 stars. The county also has an inpatient rehabilitation hospital in Vero Beach.
Where can I get free Medicare counseling in Indian River 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, September 23). Inpatient Rehabilitation Facility General 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: Indian River 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.
- Senior Resource Association. Area Agency on Aging Palm Beach/Treasure Coast. Accessed October 9, 2026.
- Florida Department of Health in Indian River County. Contact Us. 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 Indian River County
Plan benefits are the same from every carrier, but premiums in Indian River 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 Indian River County
Medicare Supplement plans work the same way in every Indian River 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 Fellsmere
A small inland community in western Indian River County with an agricultural history. About 4,953 people live in Fellsmere, and about 438 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 Orlando Health Sebastian River Hospital in Sebastian, about 11 miles away in a straight line.
Medicare Supplement Plans in Indian River Shores
An oceanfront town north of Vero Beach with one of the highest shares of residents 65 and older in Florida. About 4,386 people live in Indian River Shores, and about 3,204 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 Cleveland Clinic Indian River Hospital in Vero Beach, about 4 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 Indian River County
I help people with Medicare Supplement plans in every city, town and community in Indian River County, including these with their own local pages.
- Fellsmere
- Florida Ridge
- Gifford
- Indian River Shores
- Orchid
- Roseland
- South Beach
- Vero Lake Estates
- Wabasso
- Wabasso Beach
- West Vero Corridor
- Winter 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