Medicare Supplement Plans in Citrus County, Florida: Inverness, Crystal River & Beverly Hills
What Medicare Supplement plans pay in Citrus County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Citrus County, Florida
Citrus County, on Florida’s Nature Coast north of Tampa, has one of the state’s oldest populations: about 38% of its roughly 172,000 residents are 65 or older. CMS lists two Medicare-certified general hospitals, HCA Florida Citrus Hospital in Inverness and Tampa General Hospital Crystal River, along with an inpatient rehabilitation hospital in Lecanto and nine Medicare-certified nursing homes, according to data updated in 2026. 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.
Citrus County at a Glance
| County seat | Inverness |
|---|---|
| Incorporated cities | Crystal River and Inverness |
| Other communities | Beverly Hills, Citrus Springs, Floral City, Hernando, Homosassa and Lecanto |
| Population | 171,666 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 38.1% |
| People with Medicare | 67,394 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 28,060 (41.6%) |
| In Medicare Advantage or other health plans | 39,334 (58.4%) |
| Medicare-certified hospitals | 2 general hospitals, plus 1 inpatient rehabilitation hospital |
| Medicare-certified nursing homes | 9 |
| Medicare-certified dialysis facilities | 3 |
| Medicare-certified home health agencies with offices in the county | 2 |
| 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.
Citrus County is part of our North Central Florida Medicare Supplement region. Residents use the hospitals in Inverness and Crystal River for most care and often travel to Ocala or Gainesville for specialists.
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Free 2026 Medicare Guides
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Medicare Supplement Plans in Citrus County
Of the 67,394 people with Medicare in Citrus County, 28,060 (41.6%) 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 lower than the statewide figure of 42.9%. Another 20,684 Citrus County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Citrus County Residents
- Specialists outside the county: Many Citrus County residents see specialists in Ocala, Gainesville or Tampa. Medigap has no networks or referrals, so the same plan works at the local hospitals and at every one of those hospitals.
- Seasonal residents: Some Citrus 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 7,539 Citrus 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 Citrus 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 HCA Florida Citrus Hospital, Tampa General Hospital Crystal River, a hospital in Ocala or Gainesville 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 HCA Florida Citrus Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Citrus 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 Citrus 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 Citrus County
CMS lists two general hospitals in Citrus County. HCA Florida Citrus Hospital is in Inverness, and Tampa General Hospital Crystal River, formerly Tampa General Hospital Crystal River, became part of Tampa General in December 2023. Both held a CMS overall rating of 2 of 5 stars in the August 2026 data.
ClearSky Rehabilitation Hospital of Lecanto provides inpatient rehabilitation for patients recovering from a stroke, surgery or serious illness.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Citrus Hospital | Acute care | 502 W Highland Blvd, Inverness, FL 34452 | (352) 726-1551 | 2 of 5 stars | Care Compare | Directions |
| Tampa General Hospital Crystal River | Acute care | 6201 N Suncoast Blvd, Crystal River, FL 34428 | (352) 795-6560 | 2 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| ClearSky Rehabilitation Hospital of Lecanto | Inpatient rehabilitation | 3967 W Norvell Bryant Hwy, Lecanto, FL 34461 | Care Compare | Directions |
Nearby Hospitals Outside Citrus County
For specialty care, Citrus County residents often travel to Ocala, about 35 miles from Inverness, or to Brooksville in Hernando County. UF Health Shands Hospital in Gainesville is the region’s academic medical center.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Ocala | Marion | 1500 SW 1st Ave, Ocala, FL 34474 | (352) 351-7200 | 4 of 5 stars | Care Compare | Directions |
| HCA Florida Ocala Hospital | Marion | 1431 SW 1st Ave, Ocala, FL 34471 | (352) 401-1000 | 1 of 5 stars | Care Compare | Directions |
| HCA Florida Oak Hill Hospital | Hernando | 11375 Cortez Blvd, Brooksville, FL 34613 | (352) 596-6632 | 1 of 5 stars | Care Compare | Directions |
| UF Health Shands Hospital | Alachua | 1600 SW Archer Rd, Gainesville, FL 32610 | (352) 265-8000 | 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 Citrus County
The map shows Citrus County’s hospitals, rehabilitation hospital, nursing homes and dialysis centers, along with nearby hospitals in Marion, Hernando and Alachua counties. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Citrus County
CMS lists nine Medicare-certified nursing homes in Citrus County, in Inverness, Crystal River, Lecanto and Hernando. Four hold a CMS overall rating of 5 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 9 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Arbor Trail Rehab and Skilled Nursing Center | 611 Turner Camp Rd, Inverness, FL 34453 | (352) 637-1130 | 116 | 5 of 5 | Care Compare | Directions |
| Avante at Inverness | 304 S Citrus Ave, Inverness, FL 34452 | (352) 726-3141 | 104 | 4 of 5 | Care Compare | Directions |
| Aviata at Brentwood | 2333 N Brentwood Cir, Lecanto, FL 34461 | (352) 746-6600 | 120 | 2 of 5 | Care Compare | Directions |
| Citrus Health and Rehabilitation Center | 701 Medical Court East, Inverness, FL 34452 | (352) 860-0200 | 111 | 4 of 5 | Care Compare | Directions |
| Crystal River Health and Rehabilitation Center | 136 Northeast 12th Avenue, Crystal River, FL 34429 | (352) 795-5044 | 150 | 4 of 5 | Care Compare | Directions |
| Cypress Cove Care Center | 700 SE Dr Martin Luther Jr Ave, Crystal River, FL 34429 | (352) 795-8832 | 120 | 5 of 5 | Care Compare | Directions |
| Diamond Ridge Health and Rehabilitation Center | 2730 W Marc Knighton Ct, Lecanto, FL 34461 | (352) 746-9500 | 142 | 5 of 5 | Care Compare | Directions |
| Grove Healthcare and Rehabilitation Center | 124 W Norvell Bryant Hwy, Hernando, FL 34442 | (352) 249-3100 | 120 | 3 of 5 | Care Compare | Directions |
| Life Care Center of Citrus County | 3325 W Jerwayne Ln, Lecanto, FL 34461 | (352) 746-4434 | 120 | 5 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 Citrus County
- Home health: CMS lists two Medicare-certified home health agencies with offices in Citrus County, both in Crystal River: VitalCaring Group and SET Home Health. 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 Citrus County. Hospice 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 three dialysis facilities for Citrus County: Inverness Dialysis Center, DaVita Crystal River Dialysis and Kidney Care of Dunnellon, near the Marion County line. 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 Citrus County
These public and nonprofit resources help Citrus 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 Elder Options, the Mid-Florida Area Agency on Aging | 100 SW 75th Street, Suite 301, Gainesville, FL 32607 1-800-963-5337 floridashine.org |
| Elder Options Elder Helpline | Information on local senior services, meals, caregiver support and in-home help | 1-800-262-2243 agingresources.org |
| Florida Department of Health in Citrus County | Public health services, vaccinations and clinic locations | 3700 W Sovereign Path, Lecanto, FL 34461 (352) 527-0068 citrus.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 |
Citrus County Medicare FAQs
How many people in Citrus County use Original Medicare?
CMS counts 67,394 people with Medicare in Citrus County as of June 2026. Of them, 28,060 (41.6%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 39,334 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Citrus 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.
How many Medicare-certified hospitals are in Citrus County?
CMS lists two general hospitals: HCA Florida Citrus Hospital in Inverness and Tampa General Hospital Crystal River, formerly Tampa General Hospital Crystal River. ClearSky Rehabilitation Hospital of Lecanto provides inpatient rehabilitation.
Should Citrus 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.
Will my Medicare Supplement plan cover care in Ocala or Gainesville?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Inverness, Crystal River, Ocala, Gainesville, Tampa or anywhere else. There are no provider networks.
How many Medicare-certified nursing homes are in Citrus County?
CMS lists nine in its October 2026 data, in Inverness, Crystal River, Lecanto and Hernando. Four of them hold a CMS overall rating of 5 of 5 stars.
Where can I get free Medicare counseling in Citrus County?
SHINE offers free, unbiased Medicare counseling through Elder Options, the Mid-Florida Area Agency on Aging. Call the Elder Helpline at 1-800-262-2243 or SHINE at 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: Citrus 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.
- Elder Options. Elder Options, the Mid-Florida Area Agency on Aging. Accessed October 9, 2026.
- Florida Department of Health in Citrus County. Contact Us. Accessed October 9, 2026.
- Tampa General Hospital. (2023, December 1). Tampa General Hospital Completes Acquisition of Bravera Health and Introduces TGH North [News release].
- 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 Citrus County
Plan benefits are the same from every carrier, but premiums in Citrus 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.
Towns We Serve in Citrus County
Medicare Supplement plans work the same way in every Citrus County town: the benefits for each plan letter are set by federal law, you can see any doctor or hospital in the country that accepts Medicare, and your premium depends on your ZIP code, age, sex and tobacco use. Use the estimator above with your own ZIP code to see the rates filed for your area.
Medicare Supplement Plans in Beverly Hills
A retirement-oriented community in northern Citrus County. About 9,650 people live in Beverly Hills, and about 3,063 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is HCA Florida Citrus Hospital in Inverness, about 9 miles away in a straight line.
Medicare Supplement Plans in Inverness
The Citrus County seat, on the shore of Lake Tsala Apopka. About 7,770 people live in Inverness, and about 3,281 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is HCA Florida Citrus Hospital in Inverness, about 1 mile away in a straight line.
Medicare Supplement Plans in Lecanto
A central Citrus County community that is home to county government offices. About 7,398 people live in Lecanto, and about 1,766 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is HCA Florida Citrus Hospital in Inverness, about 10 miles away in a straight line.
Medicare Supplement Plans in Crystal River
A Nature Coast town on Kings Bay, known for its manatees and springs. About 3,638 people live in Crystal River, and about 1,697 of them are 65 or older (U.S. Census Bureau, 2020–2024 American Community Survey). The nearest Medicare-certified hospital on our county map is Tampa General Hospital Crystal River in Crystal River, about 4 miles away in a straight line.
Have a question about coverage in your town? Request a free quote or call and a licensed agent will walk you through it.
Communities in Citrus County
I help people with Medicare Supplement plans in every city, town and community in Citrus County.
- Beverly Hills
- Citrus Hills
- Citrus Springs
- Crystal River
- Floral City
- Hernando
- Homosassa Springs
- Inverness
- Inverness Highlands South
- Lecanto
- Pine Ridge
- Sugarmill Woods
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Disclaimer:
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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