Medicare Supplement Plans and Medicare Resources in Baker County, Florida
What Medicare Supplement plans pay in Baker County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Baker County, Florida
Baker County, west of Jacksonville along Interstate 10, has one Medicare-certified general hospital, Ed Fraser Memorial Hospital in Macclenny, along with Northeast Florida State Hospital and two Medicare-certified nursing homes, according to CMS data updated in 2026. About 17% of its roughly 30,000 residents are 65 or older. For specialists and more advanced hospital care, most residents travel to Jacksonville or Lake City. 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.
Baker County at a Glance
| County seat | Macclenny |
|---|---|
| Incorporated city and town | Macclenny and Glen St. Mary |
| Other communities | Olustee and Sanderson |
| Population | 29,737 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 17.2% |
| People with Medicare | 5,761 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 3,133 (54.4%) |
| In Medicare Advantage or other health plans | 2,628 (45.6%) |
| Medicare-certified hospitals | 1 general hospital, plus Northeast Florida State Hospital, a state psychiatric hospital |
| Medicare-certified nursing homes | 2 |
| Medicare-certified dialysis facilities | 1 |
| Medicare-certified home health agencies with offices in the county | 1 |
| 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.
Baker County is part of our Northeast Florida Medicare Supplement region, where residents of Macclenny and surrounding rural communities often look east to Jacksonville for specialty care.
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Medicare Supplement Plans in Baker County
Of the 5,761 people with Medicare in Baker County, 3,133 (54.4%) 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 higher than the statewide figure of 42.9%. Another 1,855 Baker County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Baker County Residents
- Specialists in Jacksonville: Most Baker County residents travel to Jacksonville or Lake City for specialists and surgery. Medigap has no networks, so the same plan works in Macclenny and at any of those hospitals without referrals.
- Ambulance transfers: Ed Fraser Memorial Hospital transfers patients who need advanced care. Medicare Part B covers medically necessary ambulance trips, and Plan G pays the 20% coinsurance after the $283 Part B deductible.
- 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. If you see Jacksonville specialists, ask whether they accept assignment before comparing Plan N with Plan G.
- Medicaid and Medicare Savings Programs: CMS counts 994 Baker 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 Baker 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 Ed Fraser Memorial Hospital in Macclenny or a larger hospital in Jacksonville or Lake City. 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 Ed Fraser Memorial Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Baker 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 Baker 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 Baker County
CMS lists two hospitals in Baker County, both in Macclenny. Ed Fraser Memorial Hospital is the county’s general hospital, with an emergency department. Northeast Florida State Hospital is a state-run psychiatric hospital that treats adults admitted through Florida’s civil commitment process, so it is not a place you would choose for everyday care.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ed Fraser Memorial Hospital | Acute care | 159 N 3rd St, Macclenny, FL 32063 | (904) 259-3151 | 1 of 5 stars | Care Compare | Directions |
| Northeast Florida State Hospital | Psychiatric | 7487 S State Rd 121, Macclenny, FL 32063 | (904) 330-2001 | Not rated | Care Compare | Directions |
Nearest Larger Hospitals Outside Baker County
For surgery, cardiology, cancer care and other specialty services, Baker County residents usually travel east to Jacksonville or west to Lake City.
| 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 |
| Ascension St. Vincent’s Riverside | Duval | 1 Shircliff Way, Jacksonville, FL 32204 | (904) 308-7300 | 3 of 5 stars | Care Compare | Directions |
| Baptist Health Medical Center Jacksonville | Duval | 800 Prudential Dr, Jacksonville, FL 32207 | (904) 202-2000 | 4 of 5 stars | Care Compare | Directions |
| HCA Florida Lake City Hospital | Columbia | 340 NW Commerce Dr, Lake City, FL 32055 | (386) 719-9000 | 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. Psychiatric hospitals do not receive CMS overall star ratings.
Map of Medicare-Certified Facilities in and Near Baker County
The map shows Baker County’s hospitals and nursing homes, along with the nearest larger hospitals in Jacksonville and Lake City. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Baker County
CMS lists two Medicare-certified nursing homes in Baker County, both in Macclenny. 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 |
|---|---|---|---|---|---|
| Macclenny Nursing and Rehab Center | 755 S 5th St, Macclenny, FL 32063 | (904) 259-4873 | 120 | 5 of 5 | Care Compare | Directions |
| W. Frank Wells Nursing Home | 210 N 2nd St, Macclenny, FL 32063 | (904) 259-6168 | 69 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in neighboring counties are also options, so search Care Compare by ZIP code if you need more choices.
Home Health, Hospice and Dialysis in Baker County
- Home health: One Medicare-certified home health agency has an office in Baker County: Hometown Home Health at 421 S 6th Street, Macclenny, (904) 259-2273 (Care Compare). 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 Baker County. Hospice agencies based in Jacksonville and other neighboring counties serve the area, so search hospice care on Care Compare by your ZIP code.
- Dialysis: CMS lists one dialysis facility in Baker County, FMC Macclenny at 1156 S 6th St, Macclenny, (904) 259-9660. 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 Baker County
These public and nonprofit resources help Baker 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 Road, Jacksonville, FL 32257 1-800-963-5337 floridashine.org |
| ElderSource HelpLine | Information on local senior services, meals, caregiver support and in-home help | 1-888-242-4464 or (904) 391-6600 myeldersource.org |
| Florida Department of Health in Baker County | Public health services, vaccinations and clinic locations | 480 W Lowder St, Macclenny, FL 32063 (904) 259-6291 baker.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 |
Baker County Medicare FAQs
How many people in Baker County use Original Medicare?
CMS counts 5,761 people with Medicare in Baker County as of June 2026. Of them, 3,133 (54.4%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 2,628 are in Medicare Advantage or other health plans.
What would a hospital stay at Ed Fraser Memorial 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.
Does Medicare cover an ambulance to a hospital outside Baker County?
Medicare Part B covers emergency ambulance transportation to the nearest appropriate facility, including air ambulance when ground transport could endanger your health. After the Part B deductible you usually pay 20% coinsurance, and most Medicare Supplement plans pay that coinsurance.
Should Baker 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.
Where can I get free Medicare counseling in Baker County?
SHINE offers free, unbiased Medicare counseling through ElderSource, the Area Agency on Aging for Northeast Florida, at 10688 Old St. Augustine Road, Jacksonville. Call the ElderSource HelpLine at 1-888-242-4464 or SHINE at 1-800-963-5337.
How many Medicare-certified hospitals are in Baker County?
CMS lists one general hospital in Baker County, Ed Fraser Memorial Hospital in Macclenny, which has an emergency department. Northeast Florida State Hospital, also in Macclenny, is a state psychiatric hospital. For specialists, most residents travel to Jacksonville or Lake City.
How many Medicare-certified nursing homes are in Baker County?
CMS lists two, both in Macclenny: Macclenny Nursing and Rehab Center, with 120 certified beds and a CMS overall rating of 5 of 5 stars, and W. Frank Wells Nursing Home, with 69 certified beds and a rating of 2 of 5 stars, in its October 2026 data.
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. Ambulance Services. 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: Baker 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, the Area Agency on Aging for Northeast Florida. Accessed October 9, 2026.
- Florida Department of Health in Baker County. Florida Department of Health in Baker County. 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 Baker County
Plan benefits are the same from every carrier, but premiums in Baker 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 Baker County
I help people with Medicare Supplement plans in every city, town and community in Baker County, including these with their own local pages.
- Glen St. Mary
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Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216