Medicare Supplement Plans in Highlands County, Florida: Sebring, Avon Park & Lake Placid
What Medicare Supplement plans pay in Highlands County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Highlands County, Florida
Highlands County, in the lake country of south central Florida, has two Medicare-certified hospitals in Sebring, HCA Florida Highlands Hospital and AdventHealth Sebring, and five Medicare-certified nursing homes, according to CMS data updated in 2026. About 36% of its roughly 111,000 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.
Highlands County at a Glance
| County seat | Sebring |
|---|---|
| Incorporated cities | Sebring, Avon Park and Lake Placid |
| Population | 111,122 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 36.4% |
| People with Medicare | 37,430 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 15,152 (40.5%) |
| In Medicare Advantage or other health plans | 22,278 (59.5%) |
| Medicare-certified hospitals | 2 acute care hospitals with emergency departments |
| Medicare-certified nursing homes | 5 |
| Medicare-certified home health agencies | 2 |
| Medicare-certified dialysis facilities | 5 |
| 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.
Highlands County is part of our Central Florida Medicare Supplement region, a lake-country county strung along U.S. 27 from Avon Park through Sebring to Lake Placid. Its hospitals are in Sebring and Lake Placid, and residents travel north to Polk County, Orlando or Tampa for some specialty care.
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Medicare Supplement Plans in Highlands County
Of the 37,430 people with Medicare in Highlands County, 15,152 (40.5%) 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 11,205 Highlands County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Highlands County Residents
- A county with many retirees: More than a third of Highlands County residents are 65 or older. A Medicare Supplement plan pays the same way at both Sebring hospitals, at AdventHealth Lake Placid and at specialists in Polk County, Orlando or Tampa.
- 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 5,864 Highlands 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 Highlands 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 AdventHealth Sebring, HCA Florida Highlands 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 AdventHealth Sebring plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Highlands 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 Highlands 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 Highlands County
Highlands County has two Medicare-certified acute care hospitals, both in Sebring and both with emergency departments. Each has a CMS overall rating of 3 of 5 stars.
AdventHealth Lake Placid, at 1210 U.S. Highway 27 N in Lake Placid, operates as part of AdventHealth Sebring and has a 24-hour emergency department, (863) 465-3777. CMS reports it under AdventHealth Sebring rather than as a separate hospital.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Sebring | Acute care | 4200 Sun N Lake Blvd, Sebring, FL 33872 | (863) 314-4466 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Highlands Hospital | Acute care | 3600 S Highlands Ave, Sebring, FL 33870 | (863) 385-6101 | 3 of 5 stars | Care Compare | Directions |
Nearby Hospitals Outside Highlands County
AdventHealth Lake Wales is north of Avon Park on U.S. 27, AdventHealth Wauchula is west of Sebring in Hardee County and HCA Florida Raulerson Hospital is in Okeechobee, east of Lake Placid. Larger hospitals in Lakeland, Orlando and Tampa offer more specialists.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Lake Wales | Polk | 410 S 11th St, Lake Wales, FL 33853 | (863) 676-1433 | 2 of 5 stars | Care Compare | Directions |
| AdventHealth Wauchula | Hardee | 735 S 5th Ave, Wauchula, FL 33873 | (863) 773-3101 | Not rated | Care Compare | Directions |
| HCA Florida Raulerson Hospital | Okeechobee | 1796 Hwy 441 N, Okeechobee, FL 34972 | (863) 763-2151 | 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 Highlands County
The map shows Highlands County’s hospitals and nursing homes in Avon Park, Sebring and Lake Placid, including the AdventHealth Lake Placid location, along with nearby hospitals in Polk, Hardee and Okeechobee counties. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Highlands County
CMS lists five Medicare-certified nursing homes in Highlands County: two in Sebring, two in Avon Park and one in Lake Placid. Oaks at Avon has the highest CMS overall rating among them, 4 of 5 stars, and Lake Placid Health and Rehabilitation Center is the largest, with 180 certified beds. 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 5 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Lake Placid Health and Rehabilitation Center | 125 Tomoka Blvd S, Lake Placid, FL 33852 | (863) 465-7200 | 180 | 2 of 5 | Care Compare | Directions |
| Oaks at Avon | 1010 US 27 N, Avon Park, FL 33825 | (863) 453-5200 | 104 | 4 of 5 | Care Compare | Directions |
| The Palms at Sebring Nursing and Rehabilitation | 725 S Pine St, Sebring, FL 33870 | (863) 385-0161 | 120 | 1 of 5 | Care Compare | Directions |
| Royal Care of Avon Park | 1213 W Stratford Rd, Avon Park, FL 33825 | (863) 453-6674 | 90 | 2 of 5 | Care Compare | Directions |
| Vivo Healthcare Sebring | 3011 Kenilworth Blvd, Sebring, FL 33870 | (863) 382-2153 | 104 | 3 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Polk, Hardee and other neighboring counties are also options, so search Care Compare by ZIP code to compare ratings.
Home Health, Hospice and Dialysis in Highlands County
- Home health: CMS lists two Medicare-certified home health agencies with offices in Highlands County, both in Sebring: AdventHealth Home Health at (863) 385-1400 and Palms Home Care at (863) 385-6353. Agencies based in neighboring counties may also serve your area, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Highlands County. Agencies based in neighboring counties 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 five dialysis facilities in Highlands County, all in Sebring: Renal Care Center on Medical Center Ave at (863) 385-7351 and four facilities along Sun N Lake Blvd, among them Highlands Dialysis Center at (863) 382-9443 and a Fresenius home therapies clinic. 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 Highlands County
These public and nonprofit resources help Highlands 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, offered locally through Senior Connection Center, the Aging and Disability Resource Center that serves Highlands County | 1-800-963-5337 (Elder Helpline) floridashine.org |
| Florida Department of Health in Highlands County | Public health services, vaccinations and clinic services | 7205 S George Blvd, Sebring, FL 33875 (863) 386-6040 highlands.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 |
Highlands County Medicare FAQs
How many people in Highlands County use Original Medicare?
CMS counts 37,430 people with Medicare in Highlands County as of June 2026. Of them, 15,152 (40.5%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 22,278 are in Medicare Advantage or other health plans.
What would a hospital stay at AdventHealth Sebring 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 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.
Should Highlands 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 Lakeland, Orlando or Tampa?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Sebring, Lakeland, Orlando, Tampa or anywhere else. There are no provider networks.
How many hospitals are in Highlands County?
CMS lists two Medicare-certified hospitals, both in Sebring: HCA Florida Highlands Hospital and AdventHealth Sebring, each with a 3-star CMS overall rating. AdventHealth Lake Placid operates as part of AdventHealth Sebring and has a 24-hour emergency department.
Where can I get free Medicare counseling in Highlands County?
SHINE offers free, unbiased Medicare counseling. In Highlands County it is offered through Senior Connection Center. 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, 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: Highlands 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.
- University of South Florida. Elder Helpline. Accessed October 9, 2026.
- Florida Department of Health in Highlands County. Contact Us. Accessed October 9, 2026.
- AdventHealth. AdventHealth Lake Placid. 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 Highlands County
Plan benefits are the same from every carrier, but premiums in Highlands 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 Highlands County
Medicare Supplement plans work the same way in every Highlands 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 Sebring
A lakeside retirement community and the main health care and shopping center for Highlands County. About 11,382 people live in Sebring, and about 3,005 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 Highlands Hospital in Sebring, about 1 mile away in a straight line.
Medicare Supplement Plans in Avon Park
A Highlands County city known for its lakes and established neighborhoods. About 10,057 people live in Avon Park, and about 3,201 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 AdventHealth Sebring in Sebring, about 4 miles away in a straight line.
Medicare Supplement Plans in Lake Placid
A small lakes-region town in southern Highlands County with a large retirement population. About 2,477 people live in Lake Placid, and about 625 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 AdventHealth Lake Placid (part of AdventHealth Sebring) in Lake Placid, 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 Highlands County
I help people with Medicare Supplement plans in every city, town and community in Highlands County.
- Avon Park
- Lake Placid
- Sebring
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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