Medicare Supplement Plans and Medicare Resources in Charlotte County, Florida
What Medicare Supplement plans pay in Charlotte County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Charlotte County, Florida
Charlotte County, on Charlotte Harbor between Sarasota and Fort Myers, has one of the oldest populations in Florida: about 41% of its roughly 217,000 residents are 65 or older. CMS lists two Medicare-certified hospitals, both in Port Charlotte, along with an inpatient rehabilitation unit and eight Medicare-certified nursing homes, according to data updated in 2026. Punta Gorda lost its hospital when ShorePoint Health Punta Gorda closed after Hurricanes Helene and Milton in 2024. 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.
Charlotte County at a Glance
| County seat | Punta Gorda |
|---|---|
| Incorporated city | Punta Gorda |
| Other communities | Port Charlotte, Charlotte Harbor, Englewood (eastern part), Harbour Heights, Placida and Rotonda West |
| Population | 217,212 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 40.9% |
| People with Medicare | 81,509 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 38,857 (47.7%) |
| In Medicare Advantage or other health plans | 42,652 (52.3%) |
| Medicare-certified hospitals | 2, both in Port Charlotte, plus 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 8 |
| Medicare-certified hospice agencies | 1 |
| Medicare-certified dialysis facilities | 3 |
| Medicare-certified home health agencies with offices in the county | 8 |
| 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.
Charlotte County is part of our Southwest Florida Medicare Supplement region. Residents use the two Port Charlotte hospitals for most care and often travel to Englewood, Venice or the Lee Health hospitals in Cape Coral and Fort Myers for specialists.
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Free 2026 Medicare Guides
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Medicare Supplement Plans in Charlotte County
Of the 81,509 people with Medicare in Charlotte County, 38,857 (47.7%) 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 31,542 Charlotte County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Charlotte County Residents
- Choosing among hospitals: Both Port Charlotte hospitals held a 1-star CMS overall rating in 2026, and Punta Gorda no longer has a hospital. With Original Medicare and a Medigap plan you can choose HCA Florida Englewood Hospital, Sarasota Memorial in Venice or the Lee Health hospitals instead, with no network or referral rules.
- Seasonal residents: Many Charlotte County residents spend part of the year in another state. A Medicare Supplement plan works with any provider in the United States that accepts Medicare, so the same coverage follows you.
- 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 6,371 Charlotte 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 Charlotte 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 Port Charlotte, HCA Florida Fawcett Hospital, a hospital in Englewood or Venice 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 Port Charlotte plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Charlotte 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 Charlotte 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 Charlotte County
CMS lists two hospitals in Charlotte County, both general hospitals with emergency departments in Port Charlotte. AdventHealth Port Charlotte, a 254-bed hospital, was AdventHealth Port Charlotte until AdventHealth bought it in March 2025. HCA Florida Fawcett Hospital also runs an inpatient rehabilitation unit. Both hospitals held a CMS overall rating of 1 of 5 stars in the August 2026 data, so many residents also compare hospitals in Englewood, Venice and Lee County.
ShorePoint Health Punta Gorda closed after storm damage from Hurricanes Helene and Milton in 2024 and will not reopen, so Punta Gorda residents now go to Port Charlotte or other nearby hospitals.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Port Charlotte | Acute care | 2500 Harbor Blvd, Port Charlotte, FL 33952 | (941) 766-4122 | 1 of 5 stars | Care Compare | Directions |
| HCA Florida Fawcett Hospital | Acute care | 21298 Olean Blvd, Port Charlotte, FL 33952 | (941) 629-1181 | 1 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| HCA Florida Fawcett Hospital Inpatient Rehabilitation Unit | Inpatient rehabilitation | 21298 Olean Boulevard, Port Charlotte, FL 33949 | Care Compare | Directions |
Nearby Hospitals Outside Charlotte County
Residents of western Charlotte County often use HCA Florida Englewood Hospital, just over the Sarasota County line. Sarasota Memorial Hospital in Venice and the Lee Health hospitals in Cape Coral and Fort Myers are also within driving distance.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Englewood Hospital | Sarasota | 700 Medical Blvd, Englewood, FL 34223 | (941) 475-6571 | 3 of 5 stars | Care Compare | Directions |
| Sarasota Memorial Hospital – Venice | Sarasota | 2600 Laurel Rd E, North Venice, FL 34275 | (941) 917-7299 | 5 of 5 stars | Care Compare | Directions |
| Cape Coral Hospital | Lee | 636 Del Prado Blvd, Cape Coral, FL 33990 | (239) 424-2000 | 3 of 5 stars | Care Compare | Directions |
| Lee Memorial Hospital | Lee | 2776 Cleveland Ave, Fort Myers, FL 33901 | (239) 343-5000 | 5 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 Charlotte County
The map shows Charlotte County’s hospitals, rehabilitation unit, nursing homes and hospice, along with nearby hospitals in Sarasota and Lee counties. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Charlotte County
CMS lists eight Medicare-certified nursing homes in Charlotte County, seven in Port Charlotte and one in Punta Gorda. Overall ratings range from 1 to 5 stars, so compare them before choosing a facility for rehab after a hospital stay. 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 8 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Charlotte Bay Rehab and Care Center | 4033 Beaver Lane, Port Charlotte, FL 33952 | (941) 625-3200 | 164 | 1 of 5 | Care Compare | Directions |
| Douglas T. Jacobson State Veterans Nursing Home | 21281 Grayton Terrace, Port Charlotte, FL 33954 | (941) 613-0919 | 120 | 3 of 5 | Care Compare | Directions |
| Harbour Health Center | 23013 Westchester Blvd, Port Charlotte, FL 33980 | (941) 625-1220 | 104 | 5 of 5 | Care Compare | Directions |
| Life Care Center of Punta Gorda | 450 Shreve Street, Punta Gorda, FL 33950 | (941) 639-8771 | 180 | 3 of 5 | Care Compare | Directions |
| Port Charlotte Rehabilitation Center | 25325 Rampart Blvd, Port Charlotte, FL 33948 | (941) 629-7466 | 152 | 1 of 5 | Care Compare | Directions |
| Solaris HealthCare Charlotte Harbor | 4000 Kings Hwy, Port Charlotte, FL 33980 | (941) 255-5855 | 180 | 5 of 5 | Care Compare | Directions |
| Sun Harbor Healthcare | 18480 Cochran Blvd, Port Charlotte, FL 33948 | (941) 743-4700 | 120 | 4 of 5 | Care Compare | Directions |
| Village Place Healthcare and Rehabilitation Center | 2370 Harbor Blvd, Port Charlotte, FL 33952 | (941) 624-5966 | 104 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Harbour Health Center is part of a continuing care retirement community and may limit admission to its own residents. Douglas T. Jacobson State Veterans Nursing Home is run by the Florida Department of Veterans’ Affairs and admits eligible veterans.
Home Health, Hospice and Dialysis in Charlotte County
- Home health: CMS lists eight Medicare-certified home health agencies with offices in Charlotte County, in Port Charlotte and Punta Gorda. Agencies serve areas rather than single addresses, so search by your ZIP code on Medicare Care Compare to see which ones serve your home, with their ratings.
- Hospice: Affinity Care of Charlotte and DeSoto is based in Port Charlotte, (941) 336-5001 (Care Compare). Other hospice agencies may also serve the county. Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists three dialysis facilities in Charlotte County: DaVita Port Charlotte Artificial Kidney Center, FMC Port Charlotte and RAI Care Centers Punta Gorda. 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 Charlotte County
These public and nonprofit resources help Charlotte 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 for Southwest Florida | 2830 Winkler Ave, Suite 112, Fort Myers, FL 33916 (239) 652-6900 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Charlotte County | Public health services, vaccinations and clinic locations | 1100 Loveland Blvd, Port Charlotte, FL 33980 (941) 624-7200 charlotte.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 |
Charlotte County Medicare FAQs
How many people in Charlotte County use Original Medicare?
CMS counts 81,509 people with Medicare in Charlotte County as of June 2026. Of them, 38,857 (47.7%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 42,652 are in Medicare Advantage or other health plans.
What would a hospital stay at AdventHealth Port Charlotte 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.
How many Medicare-certified hospitals are in Charlotte County?
CMS lists two, both in Port Charlotte: AdventHealth Port Charlotte and HCA Florida Fawcett Hospital, which also has an inpatient rehabilitation unit. ShorePoint Health Punta Gorda closed after Hurricanes Helene and Milton in 2024 and will not reopen. Nearby options include HCA Florida Englewood Hospital and Sarasota Memorial Hospital in Venice.
Should Charlotte 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 my Medicare Supplement plan work if I spend part of the year outside Florida?
Yes. A Medicare Supplement plan works with providers anywhere in the United States that accept Medicare, which helps seasonal residents who split time between Charlotte County and another state.
How many Medicare-certified nursing homes are in Charlotte County?
CMS lists eight in its October 2026 data, seven in Port Charlotte and one in Punta Gorda. Overall ratings range from 1 to 5 stars, and the table on this page shows each one.
Where can I get free Medicare counseling in Charlotte County?
SHINE offers free, unbiased Medicare counseling through the Area Agency on Aging for Southwest Florida at 2830 Winkler Ave, Suite 112, Fort Myers. Call (239) 652-6900 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: Charlotte 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 Charlotte County. Contact Us. Accessed October 9, 2026.
- AdventHealth. (2025, March 3). AdventHealth Port Charlotte Is Now AdventHealth Port Charlotte [News release].
- WINK News. (2024, December 20). ShorePoint Health in Punta Gorda to Permanently Close.
- 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 Charlotte County
Plan benefits are the same from every carrier, but premiums in Charlotte 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 Charlotte County
I help people with Medicare Supplement plans in every city, town and community in Charlotte County, including these with their own local pages.
- Charlotte Harbor
- Charlotte Park
- Cleveland
- Grove City
- Harbour Heights
- Manasota Key
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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