Medicare Supplement Plans in DeSoto County, Florida: Arcadia
What Medicare Supplement plans pay in DeSoto County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in DeSoto County, Florida
DeSoto County, an inland ranching and citrus county northeast of Port Charlotte, has one Medicare-certified hospital, TGH DeSoto in Arcadia, and one Medicare-certified nursing home, according to CMS data updated in 2026. The hospital, long known as TGH DeSoto, came under Tampa General Hospital’s operation on October 1, 2026. About 24% of the county’s roughly 37,000 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.
DeSoto County at a Glance
| County seat | Arcadia |
|---|---|
| Incorporated city | Arcadia |
| Other communities | Fort Ogden, Nocatee and Southeast Arcadia |
| Population | 37,078 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 24.3% |
| People with Medicare | 7,821 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 3,299 (42.2%) |
| In Medicare Advantage or other health plans | 4,522 (57.8%) |
| Medicare-certified hospitals | 1 general hospital with an emergency department |
| Medicare-certified nursing homes | 1 |
| 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.
DeSoto County is part of our Southwest Florida Medicare Supplement region. Arcadia’s hospital handles emergency and local care, and residents travel to Port Charlotte, Sarasota or Fort Myers for many specialists.
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Medicare Supplement Plans in DeSoto County
Of the 7,821 people with Medicare in DeSoto County, 3,299 (42.2%) 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 close to the statewide figure of 42.9%. Another 2,311 DeSoto County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for DeSoto County Residents
- A hospital under new management: TGH DeSoto came under Tampa General Hospital in October 2026. A Medicare Supplement plan pays the same way no matter who operates a hospital, and it also works at Tampa General and other hospitals statewide.
- Specialists outside the county: Many DeSoto County residents see specialists in Port Charlotte, Sarasota or Fort Myers. 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 1,468 DeSoto 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 DeSoto 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 TGH DeSoto in Arcadia, a hospital in Port Charlotte or Sarasota 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 TGH DeSoto plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a DeSoto 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 DeSoto 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 Hospital in DeSoto County
TGH DeSoto in Arcadia is DeSoto County’s only hospital. The 49-bed hospital, formerly TGH DeSoto, began operating under a long-term lease with Tampa General Hospital on October 1, 2026, and continues to provide emergency, inpatient and surgical care. CMS still lists it under its former name, with an overall rating of 2 of 5 stars in the August 2026 data.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| TGH DeSoto | Acute care | 900 N Robert Ave, Arcadia, FL 34266 | (863) 494-3535 | 2 of 5 stars | Care Compare | Directions |
Nearby Hospitals Outside DeSoto County
For specialty care, DeSoto County residents often travel to Port Charlotte, about 25 miles southwest of Arcadia, or to Sarasota.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Port Charlotte | Charlotte | 2500 Harbor Blvd, Port Charlotte, FL 33952 | (941) 766-4122 | 1 of 5 stars | Care Compare | Directions |
| HCA Florida Fawcett Hospital | Charlotte | 21298 Olean Blvd, Port Charlotte, FL 33952 | (941) 629-1181 | 1 of 5 stars | Care Compare | Directions |
| Sarasota Memorial Hospital | Sarasota | 1700 S Tamiami Trl, Sarasota, FL 34239 | (941) 917-9000 | 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 DeSoto County
The map shows DeSoto County’s hospital and nursing home, along with nearby hospitals in Port Charlotte and Sarasota. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Home in DeSoto County
CMS lists one Medicare-certified nursing home in DeSoto County, DeSoto Health and Rehab in Arcadia, with 78 certified beds and a CMS overall rating of 2 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.
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| DeSoto Health and Rehab | 475 Nursing Home Dr, Arcadia, FL 34266 | (863) 494-5766 | 78 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Charlotte and other neighboring counties are also options, so search Care Compare by ZIP code if you need more choices.
Home Health, Hospice and Dialysis in DeSoto County
- Home health: One Medicare-certified home health agency has an office in DeSoto County: DeSoto Memorial Home Health Care Agency in Arcadia, (863) 494-8432 (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 DeSoto County. Agencies based in neighboring counties serve the area, so search hospice care on Care Compare by your ZIP code.
- Dialysis: CMS lists one dialysis facility in DeSoto County, DaVita Arcadia Dialysis Center at 1341 E Oak St, Arcadia, (863) 491-8550. 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 DeSoto County
These public and nonprofit resources help DeSoto 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 DeSoto County | Public health services, vaccinations and clinic locations | 34 S Baldwin Ave, Arcadia, FL 34266 (863) 993-4601 desoto.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 |
DeSoto County Medicare FAQs
How many people in DeSoto County use Original Medicare?
CMS counts 7,821 people with Medicare in DeSoto County as of June 2026. Of them, 3,299 (42.2%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 4,522 are in Medicare Advantage or other health plans.
What would a hospital stay at TGH DeSoto 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 the change to TGH DeSoto affect my Medicare Supplement plan?
No. Medicare Supplement plans pay the same way at every hospital that accepts Medicare, so a change in who operates the hospital does not change your benefits. If you have a Medicare Advantage plan, check that the hospital is still in your plan’s network.
Should DeSoto 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 Port Charlotte or Sarasota?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Arcadia, Port Charlotte, Sarasota, Tampa or anywhere else. There are no provider networks.
Is there a hospital in DeSoto County?
Yes. TGH DeSoto in Arcadia, formerly TGH DeSoto, is the county’s only hospital. Tampa General Hospital took over its operation on October 1, 2026, and it continues to offer emergency, inpatient and surgical care.
Where can I get free Medicare counseling in DeSoto County?
SHINE offers free, unbiased Medicare counseling through the Area Agency on Aging for Southwest Florida. 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, 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: DeSoto 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 DeSoto County. Contact Us. Accessed October 9, 2026.
- WUSF. (2026, October 2). Call It TGH DeSoto: Tampa General Hospital Takes Operational Control of DeSoto Memorial.
- 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 DeSoto County
Plan benefits are the same from every carrier, but premiums in DeSoto 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 DeSoto County
Medicare Supplement plans work the same way in every DeSoto 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 Arcadia
The DeSoto County seat and the county's economic and government center. About 7,707 people live in Arcadia, and about 1,195 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 TGH DeSoto in Arcadia, about 1 mile away in a straight line.
Medicare Supplement Plans in Nocatee
A very small rural community in DeSoto County where residents rely on nearby Arcadia for services and health care. The nearest Medicare-certified hospital on our county map is TGH DeSoto in Arcadia, about 5 miles away in a straight line.
Medicare Supplement Plans in Fort Ogden
A very small rural community on the Peace River in southern DeSoto County. The nearest Medicare-certified hospital on our county map is AdventHealth Port Charlotte in Port Charlotte, about 11 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 DeSoto County
I help people with Medicare Supplement plans in every city, town and community in DeSoto County.
- Arcadia
- Fort Ogden
- Nocatee
- Southeast Arcadia
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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