Medicare Supplement Plans and Medicare Resources in Escambia County, Florida
What Medicare Supplement plans pay in Escambia County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Escambia County, Florida
Escambia County, at Florida’s western tip, has three general hospitals with emergency departments, rehabilitation and long-term care hospitals and 16 Medicare-certified nursing homes, according to CMS data updated in 2026. All three hospitals are in Pensacola. About 20% of its roughly 334,000 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.
Escambia County at a Glance
| County seat | Pensacola |
|---|---|
| Incorporated cities | Pensacola and Century |
| Other communities | Ferry Pass, Brent, Ensley, Bellview, West Pensacola, Cantonment, Molino, Perdido Key and Pensacola Beach |
| Population | 333,834 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 20.3% |
| People with Medicare | 77,314 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 38,769 (50.1%) |
| In Medicare Advantage or other health plans | 38,545 (49.9%) |
| Medicare-certified hospitals | 3 general hospitals with emergency departments |
| Rehabilitation and long-term care hospitals | 1 rehabilitation hospital, 2 rehabilitation units and 1 long-term care hospital |
| Medicare-certified nursing homes | 16 |
| Medicare-certified dialysis facilities | 10 |
| 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.
Escambia County is the western anchor of our Florida Panhandle Medicare Supplement region. Its three Pensacola hospitals also serve many residents of Santa Rosa County and nearby Alabama.
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Medicare Supplement Plans in Escambia County
Of the 77,314 people with Medicare in Escambia County, 38,769 (50.1%) 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 19,362 Escambia County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Escambia County Residents
- Three hospital systems, one plan: Escambia County hospitals belong to Ascension, Baptist Health Care and HCA Florida. A Medicare Supplement plan pays the same way at all three, with no networks to check.
- Care across the state line: Some Escambia County residents see specialists in Mobile, Alabama. Medigap works with any provider in the United States that accepts Medicare, without referrals.
- 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 12,876 Escambia 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 Escambia 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 Ascension Sacred Heart Pensacola, Baptist Hospital, HCA Florida West 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 Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Escambia 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 Escambia 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 Escambia County
CMS lists three general hospitals with emergency departments in Escambia County, all in Pensacola: Ascension Sacred Heart Pensacola, Baptist Hospital and HCA Florida West Hospital. Ascension Sacred Heart and Baptist Hospital hold CMS overall ratings of 4 of 5 stars, and HCA Florida West holds 3. Baptist Hospital moved to its new campus at Brent Lane and I-110 in 2023.
The county also has Encompass Health Rehabilitation Hospital of Pensacola, a rehabilitation unit at HCA Florida West and Select Specialty Hospital Pensacola, a long-term care hospital, for patients who need more recovery care after a hospital stay. Century, in the county’s far north, is about 45 miles by road from the Pensacola hospitals.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ascension Sacred Heart Pensacola | Acute care | 5151 N 9th Ave, Pensacola, FL 32504 | (850) 416-7000 | 4 of 5 stars | Care Compare | Directions |
| Baptist Hospital | Acute care | 123 Baptist Way, Pensacola, FL 32503 | (850) 434-4011 | 4 of 5 stars | Care Compare | Directions |
| HCA Florida West Hospital | Acute care | 8383 N Davis Hwy, Pensacola, FL 32514 | (850) 494-4000 | 3 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
Show 4 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Pensacola | Inpatient rehabilitation | 1101 Office Woods Dr, Pensacola, FL 32504 | Care Compare | Directions |
| Florida West Rehabilitation Center | Inpatient rehabilitation | 8391 North Davis Highway, Pensacola, FL 32514 | Care Compare | Directions |
| Select Specialty Hospital Pensacola Rehabilitation Unit | Inpatient rehabilitation | 7000 Cobble Creek Dr, Pensacola, FL 32504 | Care Compare | Directions |
| Select Specialty Hospital Pensacola | Long-term care hospital | 7000 Cobble Creek Dr, Pensacola, FL 32504 | 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 Escambia County
The map shows Escambia County’s hospitals, rehabilitation and long-term care hospitals, nursing homes and Pensacola hospice agencies. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Escambia County
CMS lists 16 Medicare-certified nursing homes in Escambia County with about 1,960 certified beds, all in Pensacola except Century Center for Rehabilitation and Healing in Century. Ratings range from 2 to 5 stars, and six hold 5 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 16 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Arabella Health and Wellness of Pensacola | 1717 W Avery St, Pensacola, FL 32501 | (850) 434-2355 | 118 | 4 of 5 | Care Compare | Directions |
| Arcadia Health and Rehabilitation Center | 10095 Hillview Road, Pensacola, FL 32514 | (850) 479-4000 | 170 | 5 of 5 | Care Compare | Directions |
| Aviata at University Hills | 10040 Hillview Road, Pensacola, FL 32514 | (850) 474-0570 | 120 | 4 of 5 | Care Compare | Directions |
| Bayside Health and Rehabilitation Center | 4343 Langley Avenue, Pensacola, FL 32504 | (850) 477-4550 | 120 | 4 of 5 | Care Compare | Directions |
| Century Center for Rehabilitation and Healing | 6020 Industrial Blvd, Century, FL 32535 | (850) 256-1540 | 88 | 5 of 5 | Care Compare | Directions |
| Coral Bay at Pensacola | 600 W Gregory St, Pensacola, FL 32502 | (850) 437-3131 | 210 | 2 of 5 | Care Compare | Directions |
| De Luna Health and Rehabilitation Center | 9310 Fowler Ave, Pensacola, FL 32514 | (941) 780-3581 | 90 | 5 of 5 | Care Compare | Directions |
| Gulf Valor Rehabilitation by Harborview | 3107 North H Street, Pensacola, FL 32501 | (850) 430-0500 | 155 | 4 of 5 | Care Compare | Directions |
| The Havens at Pensacola | 1900 Summit Boulevard, Pensacola, FL 32503 | (850) 746-0700 | 120 | 4 of 5 | Care Compare | Directions |
| Life Care Center of Pensacola | 3291 East Olive Rd, Pensacola, FL 32514 | (850) 494-2527 | 120 | 5 of 5 | Care Compare | Directions |
| Olive Branch Health and Rehabilitation Center | 8325 University Parkway, Pensacola, FL 32514 | (850) 898-8000 | 90 | 4 of 5 | Care Compare | Directions |
| Pensacola Nursing and Rehabilitation Center | 235 West Airport Blvd, Pensacola, FL 32505 | (850) 857-5200 | 120 | 2 of 5 | Care Compare | Directions |
| PruittHealth Pensacola | 1371 West 9 Mile Road, Pensacola, FL 32534 | (805) 983-8888 | 120 | 4 of 5 | Care Compare | Directions |
| Solaris Healthcare Pensacola | 8475 University Parkway, Pensacola, FL 32514 | (850) 474-1252 | 180 | 5 of 5 | Care Compare | Directions |
| Specialty Health and Rehabilitation Center | 6984 Pine Forest Road, Pensacola, FL 32526 | (850) 430-3400 | 120 | 4 of 5 | Care Compare | Directions |
| Willowbrooke Court at Azalea Trace | 10100 Hillview Dr, Pensacola, FL 32514 | (850) 478-5200 | 24 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Willowbrooke Court at Azalea Trace is inside a continuing care retirement community and may limit admission to its own residents. Call to confirm.
Home Health, Hospice and Dialysis in Escambia County
- Home health: CMS lists 12 Medicare-certified home health agency offices in Pensacola, plus several agencies with offices elsewhere that list Escambia County in their service area. Search by your ZIP code on Medicare Care Compare to see which ones serve your home, with their ratings.
- Hospice: Two Medicare-certified hospice agencies are based in Pensacola: Peoples Hospice and Palliative Care of Florida, (850) 378-5618 (Care Compare), and Gentiva Hospice (Care Compare). CMS also lists VITAS Healthcare for the county, with a Tallahassee office (Care Compare). Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists 10 dialysis facilities in Escambia County, nine in Pensacola and one in Century, including a home dialysis program. 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 Escambia County
These public and nonprofit resources help Escambia 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 Northwest Florida Area Agency on Aging | 5090 Commerce Park Circle, Pensacola, FL 32505 (850) 494-7101 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Escambia County | Public health services, vaccinations and clinic locations | 1295 W Fairfield Dr, Pensacola, FL 32501 (850) 595-6500 escambia.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 |
Escambia County Medicare FAQs
How many people in Escambia County use Original Medicare?
CMS counts 77,314 people with Medicare in Escambia County as of June 2026. Of them, 38,769 (50.1%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 38,545 are in Medicare Advantage or other health plans.
What would a hospital stay at Baptist 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.
Will my Medicare Supplement plan cover care in Mobile, Alabama?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Pensacola, Mobile or anywhere else. There are no provider networks.
Should Escambia 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.
How many Medicare-certified nursing homes are in Escambia County?
CMS lists 16, with overall ratings from 2 to 5 stars in its October 2026 data. Six hold 5 of 5 stars. Compare ratings on Care Compare before choosing.
How many Medicare-certified hospitals are in Escambia County?
CMS lists three general hospitals with emergency departments, all in Pensacola: Ascension Sacred Heart Pensacola, Baptist Hospital and HCA Florida West Hospital. The county also has a rehabilitation hospital and a long-term care hospital.
Where can I get free Medicare counseling in Escambia County?
SHINE offers free, unbiased Medicare counseling through the Northwest Florida Area Agency on Aging in Pensacola. Call (850) 494-7101 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, September 23). Long-Term Care Hospital 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: Escambia 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 Escambia County. Frequently Asked Questions. Accessed October 9, 2026.
- Baptist Health Care. Transforming Baptist. 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 Escambia County
Plan benefits are the same from every carrier, but premiums in Escambia 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 Escambia County
I help people with Medicare Supplement plans in every city, town and community in Escambia County, including these with their own local pages.
- Century
- Gonzalez
- Goulding
- Molino
- Myrtle Grove
- Pensacola Station
- Warrington
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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