Medicare Supplement Plans and Medicare Resources in Clay County, Florida
What Medicare Supplement plans pay in Clay County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Clay County, Florida
Clay County, southwest of Jacksonville along the St. Johns River, has two Medicare-certified general hospitals, HCA Florida Orange Park Hospital and Ascension St. Vincent’s Clay County in Middleburg, along with a long-term care hospital, two inpatient rehabilitation programs and 12 Medicare-certified nursing homes, according to CMS data updated in 2026. About 19% of its roughly 240,000 residents are 65 or older, and the county is home to more than 27,000 veterans. 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.
Clay County at a Glance
| County seat | Green Cove Springs |
|---|---|
| Incorporated cities and towns | Green Cove Springs, Keystone Heights, Orange Park and Penney Farms |
| Other communities | Fleming Island, Lakeside, Middleburg, Oakleaf Plantation and Asbury Lake |
| Population | 239,593 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 18.8% |
| People with Medicare | 52,381 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 29,770 (56.8%) |
| In Medicare Advantage or other health plans | 22,611 (43.2%) |
| Veterans | 27,517 (U.S. Census Bureau, 2020 to 2024 estimate) |
| Medicare-certified hospitals | 2 general hospitals |
| Rehabilitation and long-term care hospitals | 1 long-term care hospital and 2 inpatient rehabilitation programs |
| Medicare-certified nursing homes | 12 |
| Medicare-certified dialysis facilities | 7 |
| Medicare-certified home health agencies with offices in the county | 5 |
| 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.
Clay County is part of our Northeast Florida Medicare Supplement region. Residents use the hospitals in Orange Park and Middleburg for most care and cross into Jacksonville for many specialists and larger medical centers.
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Medicare Supplement Plans in Clay County
Of the 52,381 people with Medicare in Clay County, 29,770 (56.8%) 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 15,008 Clay County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Clay County Residents
- TRICARE For Life households: Clay County has more than 27,000 veterans, and many military retirees have TRICARE For Life, which pays most costs Medicare leaves behind. Review your TRICARE benefits before buying a Medigap plan, since the two can overlap.
- Specialists in Jacksonville: Many Clay County residents see specialists in Jacksonville, including at Mayo Clinic and UF Health Jacksonville. Medigap has no networks or referrals, so the same plan works at all of them.
- 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 5,491 Clay 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 Clay 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 Orange Park Hospital, Ascension St. Vincent’s Clay County, a Jacksonville 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 HCA Florida Orange Park Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Clay 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 Clay 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.
Medicare-Certified Hospitals in Clay County
CMS lists two general hospitals with emergency departments in Clay County: HCA Florida Orange Park Hospital and Ascension St. Vincent’s Clay County in Middleburg. Both held a CMS overall rating of 3 of 5 stars in the August 2026 data.
For recovery after a hospital stay, HCA Florida Orange Park Hospital runs an inpatient rehabilitation center, and Kindred Hospital North Florida in Green Cove Springs is a long-term care hospital with its own rehabilitation unit.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ascension St. Vincent’s Clay County | Acute care | 1670 St Vincents Way, Middleburg, FL 32068 | (904) 602-1000 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Orange Park Hospital | Acute care | 2001 Kingsley Ave, Orange Park, FL 32073 | (904) 276-8500 | 3 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
Show 3 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| HCA Florida Orange Park Hospital Rehabilitation Center | Inpatient rehabilitation | 1883 Kingsley Ave, Orange Park, FL 32073 | Care Compare | Directions |
| Kindred Hospital North Florida Rehabilitation Unit | Inpatient rehabilitation | 801 Oak St, Green Cove Springs, FL 32043 | Care Compare | Directions |
| Kindred Hospital North Florida | Long-term care hospital | 801 Oak St, Green Cove Springs, FL 32043 | Care Compare | Directions |
Jacksonville Hospitals Near Clay County
Many Clay County residents use hospitals and specialists in Jacksonville, which is home to the region’s academic medical center and largest hospitals. Mayo Clinic in Jacksonville also accepts Original Medicare.
| 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 |
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 Clay County
The map shows Clay County’s hospitals, rehabilitation and long-term care hospitals, nursing homes and dialysis centers, along with nearby Jacksonville hospitals. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Clay County
CMS lists 12 Medicare-certified nursing homes in Clay County, most of them in Orange Park. Seven 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 12 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Aviata at Green Cove Springs | 803 Oak St, Green Cove Springs, FL 32043 | (904) 284-5606 | 120 | 2 of 5 | Care Compare | Directions |
| Aviata at Orange Park | 1215 Kingsley Ave, Orange Park, FL 32073 | (904) 269-8922 | 120 | 4 of 5 | Care Compare | Directions |
| Isle Healthcare and Rehabilitation Center | 1125 Fleming Plantation Blvd, Orange Park, FL 32003 | (904) 213-8338 | 108 | 5 of 5 | Care Compare | Directions |
| Life Care Center at Wells Crossing | 355 Crossing Blvd, Orange Park, FL 32073 | (904) 264-1950 | 120 | 5 of 5 | Care Compare | Directions |
| Life Care Center of Orange Park | 2145 Kingsley Ave, Orange Park, FL 32073 | (904) 272-2424 | 180 | 5 of 5 | Care Compare | Directions |
| Middleburg Rehabilitation and Nursing Center | 1280 Henley Rd, Middleburg, FL 32068 | (502) 568-7800 | 120 | 4 of 5 | Care Compare | Directions |
| Moosehaven | 1701 Park Avenue, Orange Park, FL 32073 | (904) 278-1200 | 72 | 5 of 5 | Care Compare | Directions |
| Oak View Health and Rehabilitation Center | 833 Kingsley Ave, Orange Park, FL 32073 | (904) 269-2610 | 120 | 5 of 5 | Care Compare | Directions |
| Orange Park Rehabilitation and Nursing Center | 2029 Professional Center Dr, Orange Park, FL 32073 | (904) 272-6194 | 105 | 4 of 5 | Care Compare | Directions |
| The Pavilion for Health Care | 3465 Caroline Blvd, Penney Farms, FL 32079 | (904) 297-9700 | 50 | 5 of 5 | Care Compare | Directions |
| PruittHealth Fleming Island | 2040 Town Center Blvd, Fleming Island, FL 32003 | (904) 293-1311 | 97 | 2 of 5 | Care Compare | Directions |
| Vivo Healthcare Orange Park | 570 Wells Rd, Orange Park, FL 32073 | (904) 264-3912 | 120 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Moosehaven is a retirement community run by the Loyal Order of Moose, and The Pavilion for Health Care is part of a continuing care retirement community in Penney Farms, so both may limit admission. Call to confirm.
Home Health, Hospice and Dialysis in Clay County
- Home health: CMS lists five Medicare-certified home health agencies with offices in Clay County, all in Orange Park. 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: CMS lists no hospice agency based in Clay County. Hospice agencies based in Jacksonville and other 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 seven dialysis facilities in Clay County, in Orange Park, Middleburg and Fleming Island. 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 Clay County
These public and nonprofit resources help Clay 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 Clay County | Public health services, vaccinations and clinic locations | Green Cove Springs, FL 32043 (904) 529-2800 clay.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 |
Clay County Medicare FAQs
How many people in Clay County use Original Medicare?
CMS counts 52,381 people with Medicare in Clay County as of June 2026. Of them, 29,770 (56.8%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 22,611 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Orange Park 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.
Do I need a Medicare Supplement plan if I have TRICARE For Life?
Usually not. TRICARE For Life works with Original Medicare and pays most of the costs Medicare leaves behind, so a Medigap plan often duplicates that coverage. You still need Medicare Part B to keep TRICARE For Life. Compare your TRICARE benefits before buying a Medigap plan.
Should Clay 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 Jacksonville?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Orange Park, Middleburg, Jacksonville or anywhere else. There are no provider networks.
How many Medicare-certified hospitals are in Clay County?
CMS lists two general hospitals: HCA Florida Orange Park Hospital and Ascension St. Vincent’s Clay County in Middleburg. Kindred Hospital North Florida in Green Cove Springs is a long-term care hospital. HCA Florida Orange Park Hospital also runs an inpatient rehabilitation center.
How many Medicare-certified nursing homes are in Clay County?
CMS lists 12 in its October 2026 data, most of them in Orange Park. Seven hold a CMS overall rating of 5 of 5 stars.
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: Clay 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 Clay County. Florida Department of Health in Clay County. Accessed October 9, 2026.
- TRICARE. TRICARE For Life. 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 Clay County
Plan benefits are the same from every carrier, but premiums in Clay 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 Clay County
Medicare Supplement plans work the same way in every Clay 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 Middleburg
A large, mostly rural community in western Clay County. About 11,644 people live in Middleburg, and about 1,893 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 Ascension St. Vincent's Clay County in Middleburg, about 6 miles away in a straight line.
Medicare Supplement Plans in Green Cove Springs
The Clay County seat, a historic riverfront town on the St. Johns. About 10,044 people live in Green Cove Springs, and about 1,746 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 Ascension St. Vincent's Clay County in Middleburg, about 12 miles away in a straight line.
Medicare Supplement Plans in Orange Park
An established St. Johns River town with easy access to Jacksonville. About 9,055 people live in Orange Park, and about 2,455 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 Orange Park Hospital in Orange Park, about 2 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 Clay County
I help people with Medicare Supplement plans in every city, town and community in Clay County, including these with their own local pages.
- Asbury Lake
- Bellair-Meadowbrook Terrace
- Green Cove Springs
- Keystone Heights
- Middleburg
- Oakleaf Plantation
- Orange Park
- Penney Farms
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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