Medicare Supplement Plans and Medicare Resources in Sumter County, Florida
What Medicare Supplement plans pay in Sumter County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Sumter County, Florida
Sumter County, home to Bushnell, Wildwood and much of The Villages, lies between Lake County and the Withlacoochee River. CMS lists no general hospital in the county, but it does list a rehabilitation hospital, a long-term care hospital and four Medicare-certified nursing homes, according to data updated in 2026. About 58% of its roughly 158,000 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.
Sumter County at a Glance
| County seat | Bushnell |
|---|---|
| Incorporated cities | Bushnell, Center Hill, Coleman, Webster and Wildwood |
| Other communities | The Villages, Lake Panasoffkee and Oxford |
| Population | 157,772 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 57.6% |
| People with Medicare | 90,964 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 39,423 (43.3%) |
| In Medicare Advantage or other health plans | 51,541 (56.7%) |
| Medicare-certified hospitals | No general hospital (1 rehabilitation hospital and 1 long-term care hospital) |
| Medicare-certified nursing homes | 4 |
| Medicare-certified hospice agencies based in the county | 0 |
| Medicare-certified dialysis facilities | 3 |
| 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.
Sumter County is the western edge of our Central Florida Medicare Supplement region, between Lake County and the Withlacoochee River. It holds much of The Villages along with Wildwood and Bushnell. The closest full-service hospitals are just over the Lake County line in The Villages and Leesburg.
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Medicare Supplement Plans in Sumter County
Of the 90,964 people with Medicare in Sumter County, 39,423 (43.3%) 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 close to the statewide figure of 42.9%. Another 33,751 Sumter County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Sumter County Residents
- Hospitals over the county line: Most hospital stays for Sumter County residents happen in Lake or Marion County. A Medicare Supplement plan pays the same way at any hospital in the United States that accepts Medicare, with no networks to check.
- Original Medicare share: CMS counts 39,423 Sumter County residents in Original Medicare, 43.3% of the county’s Medicare population, about the same as the statewide share of about 43%.
- 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 3,661 Sumter 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 Sumter 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 UF Health Spanish Plaines Hospital, UF Health Leesburg Hospital, AdventHealth Ocala 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 UF Health Spanish Plaines Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Sumter 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 Sumter 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 Serving Sumter County
CMS lists no general hospital in Sumter County. The nearest is UF Health Spanish Plaines Hospital, listed in CMS data as The Villages Regional Hospital, just over the line in Lake County. It holds a CMS overall rating of 4 of 5 stars and has an emergency department. UF Health also runs a 24/7 freestanding emergency room at Brownwood in The Villages, according to UF Health.
Two specialty hospitals are in the county. Exalt Health Rehabilitation Hospital Wildwood provides inpatient rehabilitation after a stroke, surgery or serious illness. Select Specialty Hospital – The Villages in Oxford is a long-term care hospital for patients who need an extended hospital stay.
Rehabilitation and Long-Term Care Hospitals
Show 2 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| Exalt Health Rehabilitation Hospital Wildwood | Inpatient rehabilitation | 4756 Cr-44a, Wildwood, FL 34785 | Care Compare | Directions |
| Select Specialty Hospital – The Villages | Long-term care hospital | 5050 County Road 472, Oxford, FL 34484 | Care Compare | Directions |
Nearest General Hospitals Outside Sumter County
All three hospitals have emergency departments. UF Health Spanish Plaines Hospital also has an inpatient rehabilitation unit.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| UF Health Spanish Plaines Hospital | Lake | 1451 El Camino Real, The Villages, FL 32159 | (352) 751-8000 | 4 of 5 stars | Care Compare | Directions |
| UF Health Leesburg Hospital | Lake | 600 E Dixie Ave, Leesburg, FL 34748 | (352) 323-5762 | 3 of 5 stars | Care Compare | Directions |
| AdventHealth Ocala | Marion | 1500 SW 1st Ave, Ocala, FL 34471 | (352) 351-7200 | 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.
Map of Medicare-Certified Facilities in and Near Sumter County
The map shows Sumter County’s rehabilitation and long-term care hospitals and nursing homes, along with the nearest general hospitals in Lake and Marion counties. 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 Sumter County
CMS lists four Medicare-certified nursing homes in Sumter County with 428 certified beds. Osprey Point Nursing Center in Bushnell and Buffalo Crossings Healthcare and Rehabilitation Center in The Villages hold 5 stars. Club Healthcare and Rehabilitation Center at The Villages holds 3 stars and Cypress Care Center in Wildwood holds 2 stars, so compare before you choose. 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 |
|---|---|---|---|---|---|
| Buffalo Crossings Healthcare and Rehabilitation Center | 3875 Wedgewood Lane, The Villages, FL 32162 | 120 | 5 of 5 | Care Compare | Directions | |
| Club Healthcare and Rehabilitation Center at The Villages | 16529 SE 86th Belle Meade Circle, The Villages, FL 32162 | (352) 385-8200 | 68 | 3 of 5 | Care Compare | Directions |
| Cypress Care Center | 490 S Old Wire Rd, Wildwood, FL 34785 | (352) 748-3322 | 180 | 2 of 5 | Care Compare | Directions |
| Osprey Point Nursing Center | 1104 North Main Street, Bushnell, FL 33513 | (352) 568-8777 | 60 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Some facilities, such as those inside continuing care retirement communities, may limit admission to their own residents. Call to confirm.
Home Health, Hospice and Dialysis in Sumter County
- Home health: CMS lists nine Medicare-certified home health agencies with offices in Sumter County, most of them in The Villages. Medicare covers home health care with no coinsurance when you qualify, so Medigap matters less here. Search by ZIP code on Medicare Care Compare to see which agencies serve your home, with their ratings.
- Hospice: CMS lists no Medicare-certified hospice agency based in Sumter County. Agencies based in Lake, Marion and other neighboring counties may 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 three dialysis facilities in Sumter County. Two are in The Villages area and one is in Wildwood. Dialysis is a Part B service, so the 20% coinsurance applies, and every Medigap plan helps pay it. Search dialysis facilities on Care Compare by ZIP code.
- 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 Sumter County
These public and nonprofit resources help Sumter 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 Elder Options, the Mid-Florida Area Agency on Aging | 100 SW 75th Street, Suite 301, Gainesville, FL 32607 1-800-963-5337 floridashine.org |
| Florida Department of Health in Sumter County | Public health services, vaccinations and clinic locations | 415 E Noble Ave, Bushnell, FL 33513 (352) 569-3102 sumter.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 |
Sumter County Medicare FAQs
How many people in Sumter County use Original Medicare?
CMS counts 90,964 people with Medicare in Sumter County as of June 2026. Of them, 39,423 (43.3%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 51,541 are in Medicare Advantage or other health plans.
What would a hospital stay at UF Health Spanish Plaines 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.
Can I use my Medicare Supplement plan at hospitals in other counties?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare. There are no networks or referrals, so you can use hospitals in Lake, Marion or Alachua counties or anywhere else.
Should Sumter 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 part of the year elsewhere?
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.
Is there a hospital in Sumter County?
CMS lists no general hospital in Sumter County. UF Health Spanish Plaines Hospital is just over the line in Lake County, and UF Health runs a freestanding emergency room at Brownwood. Exalt Health Rehabilitation Hospital Wildwood and Select Specialty Hospital – The Villages are specialty hospitals in the county.
Where can I get free Medicare counseling in Sumter County?
SHINE offers free, unbiased Medicare counseling through Elder Options. Call the Elder Helpline at 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, September 23). Long-Term Care Hospital 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: Sumter 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.
- UF Health. UF Health Spanish Plaines Hospital. Accessed October 9, 2026.
- Exalt Health. Exalt Health Rehabilitation Hospital Wildwood. Accessed October 9, 2026.
- Florida Department of Health in Sumter County. Main Location. 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 Sumter County
Plan benefits are the same from every carrier, but premiums in Sumter 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 Sumter County
Medicare Supplement plans work the same way in every Sumter 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 Bushnell
The Sumter County seat, a small town south of The Villages. About 3,187 people live in Bushnell, and about 751 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 UF Health Leesburg Hospital in Leesburg, 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 Sumter County
I help people with Medicare Supplement plans in every city, town and community in Sumter County, including these with their own local pages.
- Bushnell
- Center Hill
- Coleman
- Lake Panasoffkee
- Webster
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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