Medicare Supplement Plans and Medicare Resources in Nassau County, Florida
What Medicare Supplement plans pay in Nassau County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Nassau County, Florida
Nassau County, on Florida’s northeast corner between Jacksonville and the Georgia line, has one Medicare-certified hospital, Baptist Medical Center Nassau in Fernandina Beach, and two Medicare-certified nursing homes, according to CMS data updated in 2026. About 27% of its roughly 107,000 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.
Nassau County at a Glance
| County seat | Fernandina Beach |
|---|---|
| Incorporated places | Fernandina Beach, Callahan and Hilliard |
| Other communities | Yulee, Amelia Island and Bryceville |
| Population | 106,879 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 26.7% |
| People with Medicare | 30,154 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 17,234 (57.2%) |
| In Medicare Advantage or other health plans | 12,920 (42.8%) |
| Medicare-certified hospitals | 1 acute care hospital with an emergency department |
| Medicare-certified nursing homes | 2 |
| Medicare-certified dialysis facilities | 2 |
| Free Medicare counseling | SHINE through ElderSource, (904) 391-6600 |
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.
Nassau County is the northeast corner of our Northeast Florida Medicare Supplement region, running from Amelia Island and Fernandina Beach west through Yulee and Callahan to Hilliard on the Georgia line. Its hospital is in Fernandina Beach, and residents also use the larger hospitals in Jacksonville, just across the Nassau River.
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Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
Medicare Supplement Plans in Nassau County
Of the 30,154 people with Medicare in Nassau County, 17,234 (57.2%) 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 11,989 Nassau County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Nassau County Residents
- Care in Jacksonville and Georgia: Many Nassau County residents see specialists in Jacksonville, and some use hospitals across the line in Georgia. A Medicare Supplement plan pays the same way in Florida and Georgia, with no networks to check.
- A large Original Medicare population: CMS counts 17,234 Nassau County residents in Original Medicare, 57.2% of the county’s Medicare population and above 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 2,261 Nassau 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 Nassau 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 Baptist Medical Center Nassau, a Jacksonville 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 Baptist Medical Center Nassau plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Nassau 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 Nassau 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.
Medicare-Certified Hospital in Nassau County
Baptist Medical Center Nassau in Fernandina Beach is Nassau County’s only hospital. It is an acute care hospital with an emergency department and holds a CMS overall rating of 4 of 5 stars.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Baptist Medical Center Nassau | Acute care | 1250 S 18th St, Fernandina Beach, FL 32034 | (904) 321-3500 | 4 of 5 stars | Care Compare | Directions |
Nearby Jacksonville Hospitals
For specialists and more advanced care, many Nassau County residents go to Jacksonville. Two of the larger Jacksonville hospitals are listed here, and the Duval County page lists the rest.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| UF Health Jacksonville | Duval | 655 W 8th St, Jacksonville, FL 32209 | (904) 244-4000 | 4 of 5 stars | Care Compare | Directions |
| Baptist Medical Center Jacksonville | Duval | 800 Prudential Dr, Jacksonville, FL 32207 | (904) 202-2000 | 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 Nassau County
The map shows Baptist Medical Center Nassau, the county’s nursing homes in Fernandina Beach and Hilliard, the Hilliard dialysis center and two Jacksonville hospitals. Fresenius Kidney Care Amelia Island could not be placed on the map but is listed below. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Nassau County
CMS lists two Medicare-certified nursing homes in Nassau County, each with 120 certified beds: Fernandina Beach Rehabilitation and Nursing Center, with a CMS overall rating of 4 of 5 stars, and Life Care Center of Hilliard, with 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 2 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Fernandina Beach Rehabilitation and Nursing Center | 1625 Lime Street, Fernandina Beach, FL 32034 | (904) 261-0771 | 120 | 4 of 5 | Care Compare | Directions |
| Life Care Center of Hilliard | 3756 W Third St, Hilliard, FL 32046 | (904) 845-3988 | 120 | 3 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Duval County are also options, so search Care Compare by ZIP code if you need more choices.
Home Health, Hospice and Dialysis in Nassau County
- Home health: CMS lists no Medicare-certified home health agency with an office in Nassau County. Agencies based in Jacksonville and other neighboring areas may serve your home, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Nassau 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 two dialysis facilities in Nassau County: Hilliard Dialysis Center at 551858 US Hwy 1, Hilliard, (904) 845-2612, and Fresenius Kidney Care Amelia Island at 960144 Gateway Blvd, Fernandina Beach, (904) 277-2511. 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 Nassau County
These public and nonprofit resources help Nassau 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 ElderSource, the Area Agency on Aging for Northeast Florida | 10688 Old St. Augustine Rd, Jacksonville, FL 32257 (904) 391-6600 or 1-888-242-4464 floridashine.org |
| Florida Department of Health in Nassau County | Public health services, vaccinations and clinic services | 1620 Nectarine St, Fernandina Beach, FL 32034 (904) 557-9130 nassau.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 |
Nassau County Medicare FAQs
How many people in Nassau County use Original Medicare?
CMS counts 30,154 people with Medicare in Nassau County as of June 2026. Of them, 17,234 (57.2%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 12,920 are in Medicare Advantage or other health plans.
What would a hospital stay at Baptist Medical Center Nassau 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 Jacksonville or Georgia?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Fernandina Beach, Jacksonville, Georgia or anywhere else. There are no networks or state lines to worry about.
Should Nassau 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.
Does Medicare cover a transfer from Baptist Medical Center Nassau to a Jacksonville hospital?
Medicare Part B covers medically necessary ambulance transport to the nearest appropriate facility. After the $283 Part B deductible you normally pay 20% of the approved amount, and Plan G and Plan N pay that 20%. A new hospital admission is covered under Part A.
Is there a hospital in Nassau County?
Yes. Baptist Medical Center Nassau in Fernandina Beach is the county’s only hospital, an acute care hospital with an emergency department and a CMS overall rating of 4 of 5 stars. Many residents also use Jacksonville hospitals.
Where can I get free Medicare counseling in Nassau County?
SHINE offers free, unbiased Medicare counseling through ElderSource, the Area Agency on Aging for Northeast Florida. Call (904) 391-6600 or 1-888-242-4464.
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: Nassau 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.
- ElderSource. ElderSource. Accessed October 9, 2026.
- Florida Department of Health in Nassau County. Contact Us. Accessed October 9, 2026.
- Medicare.gov. Ambulance services. 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 Nassau County
Plan benefits are the same from every carrier, but premiums in Nassau 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.
Communities in Nassau County
I help people with Medicare Supplement plans in every city, town and community in Nassau County, including these with their own local pages.
- Callahan
- Hilliard
- Nassau Village-Ratliff
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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