Medicare Supplement Plans and Medicare Resources in St. Lucie County, Florida
What Medicare Supplement plans pay in St. Lucie County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in St. Lucie County, Florida
St. Lucie County, home to Port St. Lucie and Fort Pierce, sits on the Treasure Coast between Martin and Indian River counties. CMS lists two general hospitals, a psychiatric hospital, a hospital rehabilitation unit and nine Medicare-certified nursing homes, and Cleveland Clinic Tradition Hospital also serves the county, according to data updated in 2026. About 25% of its roughly 402,000 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.
St. Lucie County at a Glance
| County seat | Fort Pierce |
|---|---|
| Incorporated places | Port St. Lucie, Fort Pierce and St. Lucie Village |
| Population | 402,449 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 24.9% |
| People with Medicare | 100,546 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 43,687 (43.4%) |
| In Medicare Advantage or other health plans | 56,859 (56.6%) |
| Medicare-certified hospitals | 2 general hospitals and 1 psychiatric hospital (Cleveland Clinic Tradition Hospital has no separate listing) |
| Rehabilitation | 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 9 |
| Medicare-certified hospice agencies | 1 |
| Medicare-certified dialysis facilities | 7 |
| Free Medicare counseling | SHINE, (561) 684-5885 |
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.
St. Lucie County is the center of our Treasure Coast Medicare Supplement region, with Fort Pierce on the Indian River Lagoon and Port St. Lucie and Tradition to the south and west. HCA Florida Lawnwood Hospital serves Fort Pierce, St. Lucie Medical Center and Cleveland Clinic Tradition Hospital serve Port St. Lucie, and Martin and Indian River county hospitals are nearby.
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Medicare Supplement Plans in St. Lucie County
Of the 100,546 people with Medicare in St. Lucie County, 43,687 (43.4%) 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 32,418 St. Lucie County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for St. Lucie County Residents
- Hospitals across the Treasure Coast, one plan: St. Lucie County residents can choose hospitals in Fort Pierce, Port St. Lucie, Stuart and Vero Beach. A Medicare Supplement plan pays the same way at all of them, with no networks to check.
- Original Medicare share: CMS counts 43,687 St. Lucie County residents in Original Medicare, 43.4% 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 13,145 St. Lucie 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 St. Lucie 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 St. Lucie Medical Center, HCA Florida Lawnwood Hospital, Cleveland Clinic Tradition 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 St. Lucie Medical Center plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a St. Lucie 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 St. Lucie 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.
Hospitals in St. Lucie County
CMS lists two general hospitals in St. Lucie County, both with emergency departments: HCA Florida Lawnwood Hospital in Fort Pierce and St. Lucie Medical Center in Port St. Lucie. Each holds a CMS overall rating of 1 of 5 stars in the 2026 data. Port St. Lucie Hospital provides inpatient psychiatric care.
Cleveland Clinic Tradition Hospital at 10000 SW Innovation Way in Port St. Lucie, (772) 345-8100, has a 24-hour emergency department, according to Cleveland Clinic. It has no separate listing in the CMS hospital data, so it has no star rating of its own here. The rehabilitation unit at HCA Florida Lawnwood Hospital provides inpatient rehabilitation after a stroke, surgery or serious illness.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Lawnwood Hospital | Acute care | 1700 S 23rd St, Fort Pierce, FL 34950 | (772) 461-4000 | 1 of 5 stars | Care Compare | Directions |
| St. Lucie Medical Center | Acute care | 1800 SE Tiffany Ave, Port Saint Lucie, FL 34952 | (772) 335-4000 | 1 of 5 stars | Care Compare | Directions |
| Port St. Lucie Hospital | Psychiatric | 2550 SE Walton Rd, Port Saint Lucie, FL 34952 | (772) 335-0400 | Not rated | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| HCA Florida Lawnwood Hospital Rehabilitation Unit | Inpatient rehabilitation | 1860 N. Lawnwood Cir., Fort Pierce, FL 34950 | 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 St. Lucie County
The map shows St. Lucie County’s hospitals, including Cleveland Clinic Tradition Hospital, the hospital rehabilitation unit, nursing homes and hospice office. The Ardie R. Copas State Veterans Nursing Home, 13000 SW Tradition Pkwy, could not be placed on the map. 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 St. Lucie County
CMS lists nine Medicare-certified nursing homes in St. Lucie County with 1,140 certified beds. Ratings range from 1 to 5 stars. One holds 5 stars, one holds 4 stars and five hold 3 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 9 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ardie R. Copas State Veterans Nursing Home | 13000 SW Tradition Parkway, Port Saint Lucie, FL 34987 | (772) 241-6132 | 120 | 5 of 5 | Care Compare | Directions |
| Aviata at St. Lucie | 611 S 13th St, Fort Pierce, FL 34950 | (772) 464-5262 | 171 | 1 of 5 | Care Compare | Directions |
| Life Care Center of Port St. Lucie | 3720 SE Jennings Rd, Port Saint Lucie, FL 34952 | (772) 398-8080 | 123 | 3 of 5 | Care Compare | Directions |
| Palm Garden of Port St. Lucie | 1751 SE Hillmoor Drive, Port Saint Lucie, FL 34952 | (772) 335-8844 | 120 | 4 of 5 | Care Compare | Directions |
| Port St. Lucie Rehabilitation and Healthcare | 7300 Oleander Ave, Port Saint Lucie, FL 34952 | 180 | 3 of 5 | Care Compare | Directions | |
| Sandgate Gardens Rehab and Nursing Center | 703 S 29th St, Fort Pierce, FL 34947 | (772) 466-3322 | 107 | 2 of 5 | Care Compare | Directions |
| Savannas Park Health and Rehabilitation Center | 1655 SE Walton Road, Port Saint Lucie, FL 34952 | (772) 337-1333 | 120 | 3 of 5 | Care Compare | Directions |
| Tiffany Hall Nursing and Rehab Center | 1800 SE Hillmoor Drive, Port Saint Lucie, FL 34952 | (772) 337-3565 | 120 | 3 of 5 | Care Compare | Directions |
| Vivo Healthcare Fort Pierce | 700 S 29th Street, Fort Pierce, FL 34947 | (772) 465-7560 | 79 | 3 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. The Ardie R. Copas State Veterans Nursing Home in Port St. Lucie, which holds 5 stars, is a state veterans home that admits eligible veterans. Care Compare explains the details.
Home Health, Hospice and Dialysis in St. Lucie County
- Home health: CMS lists five Medicare-certified home health agencies with offices in St. Lucie County. 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: One Medicare-certified hospice agency is based in St. Lucie County in CMS data: Treasure Coast Hospice in Fort Pierce, (772) 403-4500 (Care Compare). Agencies based in neighboring counties may also 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 seven dialysis facilities in St. Lucie County, in Fort Pierce and Port St. Lucie. 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 St. Lucie County
These public and nonprofit resources help St. Lucie 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 St. Lucie County | Public health services, vaccinations and clinic locations | 5150 NW Milner Dr, Port St. Lucie, FL 34983 (772) 462-3800 stlucie.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 |
St. Lucie County Medicare FAQs
How many people in St. Lucie County use Original Medicare?
CMS counts 100,546 people with Medicare in St. Lucie County as of June 2026. Of them, 43,687 (43.4%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 56,859 are in Medicare Advantage or other health plans.
What would a hospital stay at St. Lucie Medical Center 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 St. Lucie, Martin, Indian River or Palm Beach counties or anywhere else.
Should St. Lucie 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.
How many Medicare-certified hospitals are in St. Lucie County?
CMS lists two general hospitals, HCA Florida Lawnwood Hospital and St. Lucie Medical Center. Port St. Lucie Hospital is a psychiatric hospital. Cleveland Clinic Tradition Hospital in Port St. Lucie also has an emergency department but no separate CMS listing.
Where can I get free Medicare counseling in St. Lucie 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: St. Lucie 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.
- Cleveland Clinic. Tradition Hospital. Accessed October 9, 2026.
- Florida Department of Health in St. Lucie County. Right Service FL listing. 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 St. Lucie County
Plan benefits are the same from every carrier, but premiums in St. Lucie 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 St. Lucie County
I help people with Medicare Supplement plans in every city, town and community in St. Lucie County, including these with their own local pages.
- Fort Pierce North
- Fort Pierce South
- Hutchinson Island South
- Indian River Estates
- Lakewood Park
- River Park
- St. Lucie Village
- White City
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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