Medicare Supplement Plans and Medicare Resources in Martin County, Florida
What Medicare Supplement plans pay in Martin County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Martin County, Florida
Martin County, on Florida’s Treasure Coast between Port St. Lucie and Jupiter, has two Cleveland Clinic hospitals in Stuart, a psychiatric hospital, an inpatient rehabilitation hospital and six Medicare-certified nursing homes, according to CMS data updated in 2026. About 34% of its roughly 166,000 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.
Martin County at a Glance
| County seat | Stuart |
|---|---|
| Incorporated places | Stuart, Indiantown, Jupiter Island, Ocean Breeze and Sewall’s Point |
| Population | 166,272 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 33.6% |
| People with Medicare | 52,903 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 31,361 (59.3%) |
| In Medicare Advantage or other health plans | 21,542 (40.7%) |
| Medicare-certified hospitals | 1 general hospital and 1 psychiatric hospital (Martin South Hospital has no separate listing) |
| Rehabilitation hospitals | 1 |
| Medicare-certified nursing homes | 6 |
| Medicare-certified hospice agencies | 1 |
| Medicare-certified home health agencies with offices in the county | 7 |
| Medicare-certified dialysis facilities | 2 |
| 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.
Martin County is the southern end of our Treasure Coast Medicare Supplement region, running from Jensen Beach and Stuart south to Hobe Sound and west to Indiantown and Lake Okeechobee. Its hospitals are in Stuart, and residents also use hospitals in Port St. Lucie to the north and Jupiter to the south.
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Medicare Supplement Plans in Martin County
Of the 52,903 people with Medicare in Martin County, 31,361 (59.3%) 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 24,706 Martin County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Martin County Residents
- A large Original Medicare population: CMS counts 31,361 Martin County residents in Original Medicare, 59.3% of the county’s Medicare population and well above the statewide share of about 43%. A Medicare Supplement plan pays the same way at the Stuart hospitals and at hospitals in Palm Beach and St. Lucie counties.
- 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 3,501 Martin 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 Martin 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 Martin North Hospital, Martin South Hospital, a Jupiter or Port St. Lucie 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 Martin North Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Martin 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 Martin 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 Martin County
Cleveland Clinic Martin North Hospital in Stuart is Martin County’s general hospital in CMS data, with an emergency department and a CMS overall rating of 3 of 5 stars. Cleveland Clinic Martin South Hospital, at 2100 SE Salerno Rd in Stuart, also has a 24-hour emergency department but does not have a separate CMS listing. Coral Shores Behavioral Health in Stuart provides inpatient psychiatric care.
Encompass Health Rehabilitation Hospital, an affiliate of Martin Health, in Stuart 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 Martin North Hospital | Acute care | 200 SE Hospital Ave, Stuart, FL 34994 | (772) 287-5200 | 3 of 5 stars | Care Compare | Directions |
| Coral Shores Behavioral Health | Psychiatric | 5995 SE Community Drive, Stuart, FL 34997 | (772) 403-4000 | Not rated | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital, an affiliate of Martin Health | Inpatient rehabilitation | 5850 SE Community Dr, Stuart, FL 34997 | Care Compare | Directions |
Nearby Hospitals Outside Martin County
Residents in the north of the county often use hospitals in Port St. Lucie, and Hobe Sound residents are close to Jupiter.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| St. Lucie Medical Center | St. Lucie | 1800 SE Tiffany Ave, Port St. Lucie, FL 34952 | (772) 335-4000 | 1 of 5 stars | Care Compare | Directions |
| Jupiter Medical Center | Palm Beach | 1210 S Old Dixie Hwy, Jupiter, FL 33458 | (561) 747-2234 | 4 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. Psychiatric hospitals do not receive CMS overall star ratings.
Map of Medicare-Certified Facilities in and Near Martin County
The map shows Martin County’s hospitals, rehabilitation hospital, nursing homes and hospice office, along with nearby hospitals in Port St. Lucie and Jupiter. 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 Martin County
CMS lists six Medicare-certified nursing homes in Martin County with about 690 certified beds: three in Stuart, two in Palm City and one in Hobe Sound. Ratings range from 3 to 5 stars. Seabranch Health and Rehabilitation Center and Waters Edge Health and Rehabilitation hold 5 stars, and three others hold 4 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 |
|---|---|---|---|---|---|
| Martin Coast Center for Rehabilitation and Healthcare | 9555 SE Federal Hwy, Hobe Sound, FL 33455 | (772) 546-5800 | 120 | 3 of 5 | Care Compare | Directions |
| Palm City Nursing and Rehab Center | 2505 SW Martin Hwy, Palm City, FL 34990 | (772) 288-0060 | 120 | 4 of 5 | Care Compare | Directions |
| Seabranch Health and Rehabilitation Center | 4801 SE Cove Rd, Stuart, FL 34997 | (772) 286-9440 | 120 | 5 of 5 | Care Compare | Directions |
| Solaris HealthCare Parkway | 800 SE Central Pkwy, Stuart, FL 34994 | (772) 287-9912 | 177 | 4 of 5 | Care Compare | Directions |
| Stuart Rehabilitation and Healthcare | 1500 SE Palm Beach Rd, Stuart, FL 34994 | (772) 283-5887 | 120 | 4 of 5 | Care Compare | Directions |
| Waters Edge Health and Rehabilitation | 1500 SW Capri St, Palm City, FL 34990 | (772) 223-5863 | 36 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Waters Edge is inside a continuing care retirement community and may limit admission to its own residents. Care Compare explains the details.
Home Health, Hospice and Dialysis in Martin County
- Home health: CMS lists seven Medicare-certified home health agencies with offices in Martin County, all in Stuart. 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: One Medicare-certified hospice agency is based in Martin County: Treasure Coast Hospice of Martin in Stuart, (772) 403-4500 (Care Compare). Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists two dialysis facilities in Martin County, both in Stuart: Treasure Coast Kidney Center North on SE Ocean Blvd and Fresenius Kidney Care Port Salerno. 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 Martin County
These public and nonprofit resources help Martin 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 Martin County | Public health services, vaccinations and clinic services | 3441 SE Willoughby Blvd, Stuart, FL 34994 (772) 221-4000 martin.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 |
Martin County Medicare FAQs
How many people in Martin County use Original Medicare?
CMS counts 52,903 people with Medicare in Martin County as of June 2026. Of them, 31,361 (59.3%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 21,542 are in Medicare Advantage or other health plans.
What would a hospital stay at Cleveland Clinic Martin North 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 hospitals in Palm Beach County?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Stuart, Jupiter, Port St. Lucie or anywhere else. There are no networks or referrals.
Should Martin 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 Martin County?
CMS lists one general hospital, Cleveland Clinic Martin North Hospital in Stuart, with a CMS overall rating of 3 of 5 stars. Cleveland Clinic Martin South Hospital in Stuart also has an emergency department but no separate CMS listing. The county also has Coral Shores Behavioral Health and an inpatient rehabilitation hospital.
Where can I get free Medicare counseling in Martin 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: Martin 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 Martin County. Contact Us. Accessed October 9, 2026.
- Cleveland Clinic. Martin South Hospital. 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 Martin County
Plan benefits are the same from every carrier, but premiums in Martin 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 Martin County
Medicare Supplement plans work the same way in every Martin 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 Hobe Sound
An established, nature-focused community in southern Martin County near Jonathan Dickinson State Park. About 13,817 people live in Hobe Sound, and about 4,724 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 Martin South Hospital in Stuart, about 7 miles away in a straight line.
Medicare Supplement Plans in Jensen Beach
A Treasure Coast community on the Indian River Lagoon near Hutchinson Island, with an active retiree population. About 12,531 people live in Jensen Beach, and about 4,143 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 Martin North Hospital in Stuart, about 3 miles away in a straight line.
Medicare Supplement Plans in Indiantown
An inland Martin County community with an agricultural history and a lower cost of living than the coast. About 6,695 people live in Indiantown, and about 1,116 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 Martin South Hospital in Stuart, about 17 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 Martin County
I help people with Medicare Supplement plans in every city, town and community in Martin County, including these with their own local pages.
- Hobe Sound
- Indiantown
- Jensen Beach
- Jupiter Island
- North River Shores
- Port Salerno
- Rio
- Sewall's Point
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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