Searching for The Best Medicare Supplement Plans Available In Bunnell, Florida?
Tailored Medigap Plan quotes for Flagler County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Bunnell: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Bunnell Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Bunnell or turning 65 soon, we help residents across Flagler County find Medigap coverage that fits their health needs and budget. From covering those gaps in Original Medicare to protecting you from unexpected medical bills, the right plan makes all the difference in your peace of mind. Click Here To Compare All Plans
Bunnell Senior Demographics & Lifestyle
According to U.S. Census data, Bunnell has a modest but growing senior community:
- Population: Approximately 3,000
- Residents 65+: About 18% (growing steadily)
- Median age: 42 years
- Median household income: $42,000
- Home ownership rate: 58%
- Affordability: Among Flagler County’s most affordable communities with very low property taxes
Many Bunnell retirees enjoy:
- County Seat Location: Access to all county services, courthouse, government offices centrally located
- Small-Town Living: Genuine small-town atmosphere where neighbors know each other
- Historic Character: Established in 1909, featuring historic downtown buildings and local heritage
- Proximity to Everything: 15 minutes to Palm Coast’s shopping and healthcare, 20 minutes to Flagler Beach
- Affordability: Significantly lower housing costs than coastal areas while staying close to beaches
- Natural Beauty: Surrounded by Florida’s natural landscape, wetlands, and wildlife
- Local Events: Flagler County Fair, community gatherings, farmers markets
- Quiet Lifestyle: Peaceful residential neighborhoods away from tourist traffic
- Fishing & Outdoor Access: Easy access to freshwater fishing, nature areas, and parks
- Community Spirit: Active local organizations, churches, and volunteer opportunities
- Growing Services: New businesses and amenities opening as population grows
- Senior Programs: Flagler County Senior Services provides comprehensive programs with transportation from Bunnell
- Strategic Location: Central to Flagler County—easy access to coast, I-95, and surrounding communities
Bunnell attracts retirees seeking extreme affordability and small-town living while remaining close to beaches, healthcare, and modern amenities. The combination of low cost of living, quiet atmosphere, and central location makes it ideal for budget-conscious retirees who don’t need to live directly on the beach but want coastal access within a short drive.
What's the process?
We’re easy to reach. Most use our form. This allows us to call you at the time of your convenience. We’ll ask about your Part B date, current coverage (if any), budget guardrails.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We shop carriers and identify underwriting flags (if any), Once we’ve identified several, we’ll contact you to set up the best time to go over our findings.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan (G, N, or fit) for your ZIP and budget
Application concierge (e-app done right, the first time)
Annual rate-check so you don’t overpay next renewal
- Same day quotes
- Apples-to-apples
- 24-hour response
What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do They Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup, so you’re not left with big bills.
Fast Facts (Save Yourself Headaches)
- Medigap ≠ Advantage. Medigap works with Original Medicare; no networks, no referrals.
- Price is by ZIP/age/tobacco/household. Same benefits → different carrier rates.
- Timing matters. Your Part B date and Guaranteed Issue windows change underwriting.
- Doctor freedom. Any provider accepting Medicare. Traveling? You’re still covered.
Medigap vs. Advantage
- Medigap (We place it): higher premium, lower unpredictable costs, nationwide access, no network drama.
- Advantage (We don’t market it): lower premium, networks, authorizations, plan rules.
You want clarity, predictability, and freedom → Medigap usually wins.
What Drives Your Rate?
- ZIP code • Age (and birthday timing) • Tobacco status • Household discount • Carrier rate history
Why Florida Seniors Choose Medicare Supplements Only?
Nearly 30 Years of Experience
Chuck Lunsford has helped Florida residents navigate Medicare Supplement decisions since 1994. Licensed FL agent #A169316 with deep expertise across every Florida community—from Miami to the Panhandle.
Comprehensive Florida Coverage
We serve seniors in 50+ Florida communities with deep understanding of local healthcare landscapes and hospital access. Whether you’re in a bustling city or quiet rural town, we know your area’s unique challenges.
No-Pressure, Independent Guidance
We compare plans from multiple top-rated carriers to find the best value for YOUR situation—never locked into one company. Our educational approach means you make informed decisions at your own pace, with ongoing support after enrollment.
Which Plans Can You Choose in Bunnell?
Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.
The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans
What to Bring to the Call
Medicare ID (red/white/blue card) • Part B start month/year • Med list (optional) • Must-have doctors/hospitals • Current coverage (if any)
What You Get
- Right-sized Medigap plan (G, N, or fit) for your city and your budget
- Same-day quotes
- Application concierge (clean e-app, first time)
- Annual rate-check so you don’t overpay
Bunnell-Specific Notes
Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.
Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.
Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.
What’s The Next Step?
If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.
About Bunnell: Community Snapshot for Seniors
Bunnell is Flagler County’s quiet county seat—a small town of about 3,000 residents that offers retirees exceptional affordability and small-town living while providing convenient access to beaches, healthcare, and modern amenities. Established in 1909 and incorporated in 1913, Bunnell has served as Flagler County’s governmental center for over a century.
Located in the western part of Flagler County along US Highway 1, Bunnell sits strategically between I-95 and the Atlantic coast. According to U.S. Census data, about 18% of Bunnell residents are 65 or older, with that percentage growing as more budget-conscious retirees discover the town’s advantages. The historic downtown features government buildings, local businesses, and residential neighborhoods that reflect the area’s long history.
What makes Bunnell particularly attractive to retirees is its remarkable affordability—housing costs and property taxes are among the lowest in Flagler County, often 30-40% below coastal areas like Flagler Beach or master-planned communities in Palm Coast. Yet residents enjoy proximity to everything: Palm Coast’s shopping, restaurants, and healthcare are 15 minutes east, Flagler Beach’s ocean is 20 minutes away, and I-95 provides easy north-south travel.
Retirees are drawn to Bunnell for multiple reasons: rock-bottom cost of living that stretches retirement savings, genuine small-town atmosphere without pretense, central location with access to beaches and amenities, lower population density and traffic, and the ability to live affordably in Florida while staying close to quality healthcare and services. The town offers peace and quiet without isolation—you can be at the beach, shopping in Palm Coast, or visiting St. Augustine within 20-30 minutes.
For retirees on fixed incomes, veterans, or anyone seeking maximum affordability while maintaining access to Florida’s attractions and quality healthcare, Bunnell provides an excellent solution. You get the benefits of living in growing Flagler County at a fraction of the cost of coastal living.
Healthcare Access in Bunnell, Florida
Bunnell residents access comprehensive healthcare primarily in nearby Palm Coast, just 15 minutes away:\
Nearest Medical Facilities:
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- AdventHealth Palm Coast
Located at 60 Memorial Medical Pkwy, Palm Coast, FL 32164, this hospital is just 2 miles from central Palm Coast, about a 5-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - AdventHealth Palm Coast Parkway
Found at 1 AdventHealth Way, Palm Coast, FL 32137, this facility is about 4 miles from Palm Coast, a 10-minute drive. It provides comprehensive care, including oncology and orthopedics, and accepts Medicare Assignment. - Steward Medical Group – Primary care and specialists in Palm Coast
- Palm Coast Emergency Room – Urgent care and ER facilities
- AdventHealth Palm Coast
Local Services:
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- Flagler County Health Department Bunnell – 301 Dr. Carter Boulevard, Bunnell – Preventive care, immunizations, wellness programs
- Local pharmacies – CVS, Walgreens in Bunnell and nearby
Regional Advanced Care:
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- Halifax Health Medical Center (Daytona Beach) – 35 miles south, Level II trauma center
- UF Health Jacksonville – 50 miles north, academic medical center
- Mayo Clinic Jacksonville – 55 miles north, world-renowned specialty care
- Baptist Health Jacksonville – Comprehensive network
Healthcare Considerations: Living in Bunnell means healthcare requires a 15-minute drive to Palm Coast for most medical needs. AdventHealth Palm Coast handles routine care, emergencies, surgery, and most specialty services. For highly specialized care, residents travel to Jacksonville or Daytona Beach. Most Bunnell retirees consider this very reasonable—excellent healthcare is close enough to be convenient while keeping their cost of living exceptionally low.
Pharmacies:
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- CVS Pharmacy – 305 North State Street, Bunnell
- Walgreens – Available in nearby Palm Coast at multiple locations
- Publix Pharmacy – Palm Coast locations (15 minutes away)
- Walmart Pharmacy – Palm Coast location
Medicare-Accepting Doctors Serving Bunnell Residents
Primary Care Physicians (Palm Coast area):
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- AdventHealth Medical Group Primary Care Palm Coast – 7 Hospital Drive, Suite 101, Palm Coast, FL 32164
- Steward Medical Group Palm Coast – 60 Memorial Medical Parkway, Suite 102, Palm Coast, FL 32164
- Flagler Primary Care – 160 Cypress Point Parkway, Suite B12, Palm Coast, FL 32164
- Palm Coast Family Practice – 1 Old Kings Road North, Suite 101, Palm Coast, FL 32137
- Atlantic Primary Care – 4 Old Kings Road North, Palm Coast, FL 32137
Cardiology:
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- AdventHealth Medical Group Cardiology Palm Coast – 7 Hospital Drive, Suite 202, Palm Coast, FL 32164
- Florida Heart Associates – Palm Coast office
- Cardiovascular Associates – Serving Flagler County
Orthopedics:
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- Rothman Orthopaedic Institute – 60 Memorial Medical Parkway, Suite 201, Palm Coast, FL 32164
- AdventHealth Medical Group Orthopedics – Palm Coast location
- Flagler Orthopedics & Sports Medicine – Multiple offices
Internal Medicine & Geriatrics:
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- Steward Internal Medicine – Palm Coast locations
- Flagler Internal Medicine Group – Serving Bunnell and Flagler County
- AdventHealth Medical Group Internal Medicine – Multiple Palm Coast offices
Specialty Care (Palm Coast):
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- Dermatology – Multiple practices including Dermatology Associates, Flagler Dermatology
- Ophthalmology – Eye specialists including Florida Eye Specialists, Flagler Eye Care
- Gastroenterology – GI specialists throughout Palm Coast
- Urology – Atlantic Urology Clinics
- Oncology – Cancer care at AdventHealth Palm Coast
- ENT – Ear, nose, and throat specialists
- Podiatry – Foot and ankle specialists
Note: Always verify Medicare acceptance when scheduling appointments, as provider networks can change.
Medicare-Accepting Medical Facilities Near Bunnell
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- Flagler Health+ Village at Nocatee
Located at 351 Town Plaza Ave, Ponte Vedra, FL 32081, this facility is about 25 miles from Palm Coast, a 35-minute drive. It offers primary care and specialty services, and accepts Medicare Assignment. - UF Health St. Johns
Found at 400 Health Park Blvd, St. Augustine, FL 32086, this hospital is approximately 30 miles from Palm Coast, a 40-minute drive. It provides advanced surgical and cardiac care, and accepts Medicare Assignment. - AdventHealth Daytona Beach
Located at 301 Memorial Medical Pkwy, Daytona Beach, FL 32117, this hospital is about 28 miles from Palm Coast, a 35-minute drive. It offers emergency and specialty care, and accepts Medicare Assignment. - Halifax Health Medical Center
Found at 303 N Clyde Morris Blvd, Daytona Beach, FL 32114, this facility is about 30 miles from Palm Coast, a 40-minute drive. It provides surgical and specialty services, and accepts Medicare Assignment. - AdventHealth Palm Coast – 60 Memorial Medical Parkway, Palm Coast, FL 32164
- AdventHealth Daytona Beach – 301 Memorial Medical Parkway, Daytona Beach, FL 32117
- Halifax Health Medical Center – 303 North Clyde Morris Boulevard, Daytona Beach, FL 32114
- UF Health Jacksonville – 655 West 8th Street, Jacksonville, FL 32209
- Mayo Clinic Jacksonville – 4500 San Pablo Road, Jacksonville, FL 32224
- Baptist Medical Center Jacksonville – 800 Prudential Drive, Jacksonville, FL 32207
- Memorial Hospital Jacksonville – 3625 University Boulevard South, Jacksonville, FL 32216
- Flagler Health+ Village – Medical campus in Palm Coast
- Flagler County Health Department – 301 Dr. Carter Boulevard, Bunnell, FL 32110
- Flagler Health+ Village at Nocatee
I use Medicare.gov’s Care Compare and Florida Health Finder to locate Medicare-accepting doctors and hospitals, ensuring affordable care with United American plans.
Driving Distances to Key Facilities
Facility | Location | Distance from Palm Coast | Drive Time |
AdventHealth Palm Coast | Palm Coast, FL | 2 miles | 5 minutes |
AdventHealth Palm Coast Parkway | Palm Coast, FL | 4 miles | 10 minutes |
AdventHealth Daytona Beach | Daytona Beach, FL | 28 miles | 35 minutes |
UF Health St. Johns | St. Augustine, FL | 30 miles | 40 minutes |
Halifax Health Medical Center | Daytona Beach, FL | 30 miles | 40 minutes |
Flagler Health+ Village at Nocatee | Ponte Vedra, FL | 25 miles | 35 minutes |
Local Resources & Next Steps
Flagler County Resources for Seniors:
- Flagler County Senior Services – 160 Cypress Point Parkway, Building C, Palm Coast: Comprehensive programs including fitness classes, meals, social activities, transportation from Bunnell: (386) 437-7300
- Council on Aging of Flagler County – Meals on Wheels, in-home services, caregiver support: (386) 437-3900
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free, unbiased Medicare counseling: 1-800-963-5337
- ElderSource – Area Agency on Aging for Northeast Florida: (904) 391-6600 or myeldersource.org
- Flagler County Health Department Bunnell – 301 Dr. Carter Boulevard, Bunnell: Preventive services, immunizations: (386) 437-7350
Healthcare Resources:
- AdventHealth Palm Coast – (386) 586-2000
- AdventHealth Medical Group – (386) 597-1660
- Steward Medical Group – (386) 586-1740
Community Resources:
- Bunnell City Hall – 201 West Moody Boulevard: Community information and services
- Flagler County Government Center – County services and information
- Flagler County Public Library Bunnell Branch – Programs and resources
- Bunnell Community Center – Local activities and events
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- City of Bunnell – bunnellcity.us
- Flagler County Government
We Offer Expert Guidance to Your Perfect Supplement Plan
We’ll dive into your unique needs, simplify the maze of plan options, and guide you with clear, honest advice. My hands-on approach, backed by thousands of client success stories—ensures you get coverage that fits your life, stress-free.
We analyze your healthcare needs, budget, and preferences to recommend the best Medicare Supplement (Medigap) plans, clarifying coverage gaps like deductibles or copays that Original Medicare doesn’t cover
We simplify the complex enrollment process, ensuring clients meet deadlines, understand eligibility, and avoid penalties, while navigating them through plan options with clear, jargon-free explanations.
We offer continued assistance post-enrollment, helping with claims, plan changes, or unexpected issues, and stay updated on policy shifts to keep clients’ coverage aligned with their evolving needs.
Our Services for Bunnell, FL Residents
We specialize in helping Flagler County seniors navigate Medicare Supplement options with compassion and budget awareness:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP codes 32110, 32164
✓ Budget-Focused Solutions – We understand Bunnell’s cost-conscious retirees; we prioritize affordable coverage that provides solid protection
✓ Personalized Recommendations – Your health needs and financial situation are unique; we find plans that fit your specific circumstances
✓ Application Assistance – We handle all paperwork and follow up with insurance carriers so you don’t have to
✓ Year-Round Support – Questions about claims, coverage, or billing? We’re here to help whenever you need us
✓ Local Understanding – We know Bunnell residents travel to Palm Coast for care; we ensure seamless coverage
✓ No-Pressure Guidance – Education and honest advice, never pushy sales tactics
✓ Plain Talk – We explain everything in clear, simple language without confusing jargon
✓ Respect for Fixed Incomes – We work hard to find quality coverage at prices that work with modest retirement budgets
We’ve helped many Bunnell residents find Medicare Supplement plans that provide essential protection without financial strain. Whether you prefer meeting in person, talking by phone, or communicating by email, we work on your schedule and treat you with respect and understanding.
Common Medicare Questions from Bunnell Residents
“Do I need a Medigap plan if I already have Original Medicare?” Original Medicare (Parts A & B) provides basic coverage, but leaves significant gaps—deductibles, copays, and coinsurance that can cost thousands of dollars annually. A Medicare Supplement plan fills these gaps, protecting your limited retirement income from unexpected medical bills. For Bunnell residents on fixed incomes who get care at AdventHealth Palm Coast, having this financial protection is crucial—one hospitalization without Medigap coverage could devastate your savings.
“Which plan should I choose on a tight budget—Plan G or Plan N?” Both plans are good options, but many Bunnell residents choose Plan N specifically because of budget concerns. Plan N has monthly premiums typically $35-50 lower than Plan G. With Plan N, you pay small copays when you see doctors ($20 for office visits, $50 for ER visits that’s waived if admitted), but you save significantly on monthly costs. Plan G covers more but costs more monthly. For someone on a fixed income, Plan N often makes the most financial sense. We’ll help you calculate which option saves you the most money overall based on how often you actually see doctors.
“Can I use my Medigap plan at AdventHealth Palm Coast even though I live in Bunnell?” Absolutely! Medicare Supplement plans work with any doctor or hospital that accepts Original Medicare—anywhere in the United States. Whether you’re getting care at AdventHealth Palm Coast (15 minutes away), seeing specialists in Daytona Beach or Jacksonville, or traveling to visit family elsewhere, your coverage works identically. Distance doesn’t matter—no networks, no geographic restrictions, complete freedom to choose your healthcare providers.
“I’m on a very limited budget—is Medigap coverage really worth it?” Actually, it’s even more important when you’re on a limited budget. Without Medigap, one serious illness or hospitalization could cost you $5,000-$10,000 or more in out-of-pocket expenses. That could wipe out your emergency savings or force you to make impossible financial choices. A Medigap plan—especially affordable Plan N—costs around $100-150 per month but protects you from catastrophic medical bills. Think of it as financial insurance that lets you keep your home, your savings, and your peace of mind.
“When is the best time to enroll in a Medigap plan?” The ideal time is during your Medigap Open Enrollment Period—the 6-month window starting when you’re 65 or older and enrolled in Medicare Part B. During this guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge higher rates based on your health. This is critical protection. If you wait until after this period and have health issues, you may be denied coverage entirely or charged significantly more. Don’t miss this opportunity—it’s your best chance to get affordable, guaranteed coverage.
Find Your Plan Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services
Disclaimer:
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and are subject to underwriting and change.
We do not market Advantage plans
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We specialize in Medicare Supplement (Medigap) insurance and related products. We do not offer Medicare Advantage (MA) plans.
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Contact: info@MedicareSupplementsOnly.com