Medicare Supplement Plans and Medicare Resources in Flagler County, Florida
What Medicare Supplement plans pay in Flagler County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Flagler County, Florida
Flagler County, on the Atlantic coast between St. Augustine and Daytona Beach, has two Medicare-certified hospitals, both run by AdventHealth in Palm Coast, and two Medicare-certified nursing homes, according to CMS data updated in 2026. About 33% of its roughly 140,000 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.
Flagler County at a Glance
| County seat | Bunnell |
|---|---|
| Largest city | Palm Coast |
| Other cities and towns | Bunnell, Flagler Beach, Beverly Beach and Marineland |
| Population | 140,360 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 33.3% |
| People with Medicare | 48,709 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 22,290 (45.8%) |
| In Medicare Advantage or other health plans | 26,419 (54.2%) |
| Medicare-certified hospitals | 2 general hospitals with emergency departments |
| Medicare-certified nursing homes | 2 |
| Medicare-certified dialysis facilities | 4 |
| Free Medicare counseling | SHINE through ElderSource, 1-888-242-4464 |
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.
Flagler County sits at the southern end of our Northeast Florida Medicare Supplement region, between St. Augustine and Daytona Beach. About one in three residents is 65 or older.
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Free 2026 Medicare Guides
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Medicare Supplement Plans in Flagler County
Of the 48,709 people with Medicare in Flagler County, 22,290 (45.8%) 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 16,965 Flagler County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Flagler County Residents
- One hospital system, plus nearby options: Both Flagler County hospitals belong to AdventHealth. A Medicare Supplement plan works there and at hospitals in Daytona Beach, St. Augustine and Jacksonville, with no networks to check.
- Seasonal and part-year residents: Many Flagler County retirees travel or spend part of the year elsewhere. Medigap works with any provider in the United States that accepts Medicare, so 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 3,814 Flagler 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 Flagler 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 Palm Coast, AdventHealth Palm Coast Parkway, a Daytona Beach 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 AdventHealth Palm Coast plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Flagler 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 Flagler 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 Flagler County
CMS lists two general hospitals with emergency departments in Flagler County, both in Palm Coast and both run by AdventHealth. AdventHealth Palm Coast holds a CMS overall rating of 5 of 5 stars. AdventHealth Palm Coast Parkway, a 100-bed hospital near I-95, opened in August 2023 and holds 4 stars.
For some specialty care, Flagler County residents also travel to hospitals in Daytona Beach, St. Augustine or Jacksonville.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Palm Coast | Acute care | 60 Memorial Medical Pkwy, Palm Coast, FL 32164 | (386) 586-2000 | 5 of 5 stars | Care Compare | Directions |
| AdventHealth Palm Coast Parkway | Acute care | 1 Adventhealth Way, Palm Coast, FL 32137 | (386) 302-1800 | 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 Flagler County
The map shows Flagler County’s two hospitals and two nursing homes. The Bunnell nursing home marker shows its street, Dr. Carter Boulevard, rather than the exact building. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Flagler County
CMS lists two Medicare-certified nursing homes in Flagler County, each with 120 certified beds: Aviata at Grand Oaks in Palm Coast and Flagler Health and Rehabilitation Center in Bunnell. Both hold a CMS overall rating of 2 of 5 stars, so many families also look at nursing homes in Volusia and St. Johns counties. 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 |
|---|---|---|---|---|---|
| Aviata at Grand Oaks | 3001 Palm Coast Parkway SE, Palm Coast, FL 32137 | (386) 446-6060 | 120 | 2 of 5 | Care Compare | Directions |
| Flagler Health and Rehabilitation Center | 300 Dr Carter Boulevard, Bunnell, FL 32110 | (386) 437-4168 | 120 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Search Care Compare by ZIP code to compare nursing homes in neighboring counties.
Home Health, Hospice and Dialysis in Flagler County
- Home health: CMS lists one Medicare-certified home health agency with an office in Flagler County, in Palm Coast. Agencies based in Volusia and St. Johns counties also serve the area, 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 Flagler County. 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 four dialysis facilities in Flagler County, all in Palm Coast, including a home dialysis program. 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 Flagler County
These public and nonprofit resources help Flagler 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 Rd, Jacksonville, FL 32257 (904) 391-6600 or 1-888-242-4464 floridashine.org |
| Florida Department of Health in Flagler County | Public health services, vaccinations and clinic services | 301 Dr. Carter Blvd, Bunnell, FL 32110 (386) 437-7350 flagler.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 |
Flagler County Medicare FAQs
How many people in Flagler County use Original Medicare?
CMS counts 48,709 people with Medicare in Flagler County as of June 2026. Of them, 22,290 (45.8%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 26,419 are in Medicare Advantage or other health plans.
What would a hospital stay at AdventHealth Palm Coast 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.
Will my Medicare Supplement plan cover care in Daytona Beach or 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 Palm Coast, Daytona Beach, Jacksonville or anywhere else. There are no provider networks.
Should Flagler 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.
Can I keep my Medigap plan if I spend part of the year up north?
Yes. A Medicare Supplement plan works with any provider that accepts Medicare in all 50 states, so it travels with you. Plans are priced for where you live, so tell your carrier if you change your permanent address.
How many Medicare-certified hospitals are in Flagler County?
CMS lists two, both in Palm Coast and both run by AdventHealth: AdventHealth Palm Coast, with a CMS overall rating of 5 of 5 stars, and AdventHealth Palm Coast Parkway, which opened in August 2023 and holds 4 stars.
Where can I get free Medicare counseling in Flagler County?
SHINE offers free, unbiased Medicare counseling through ElderSource, the Area Agency on Aging for Northeast Florida. Call 1-888-242-4464 or (904) 391-6600.
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: Flagler 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, Area Agency on Aging for Northeast Florida. Accessed October 9, 2026.
- Florida Department of Health in Flagler County. Main Office. 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 Flagler County
Plan benefits are the same from every carrier, but premiums in Flagler 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 Flagler County
Medicare Supplement plans work the same way in every Flagler 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 Bunnell
The Flagler County seat, a quiet inland town west of Palm Coast. About 3,682 people live in Bunnell, and about 1,136 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 AdventHealth Palm Coast in Palm Coast, about 9 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 Flagler County
I help people with Medicare Supplement plans in every city, town and community in Flagler County, including these with their own local pages.
- Beverly Beach
- Bunnell
- Marineland
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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