Searching for The Best Medicare Supplement Plans Available In Palm Coast, Florida?
Tailored Medigap Plan quotes for Flagler County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Palm Coast: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Palm Coast Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Palm Coast 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
Palm Coast Senior Demographics & Lifestyle
According to U.S. Census data, Palm Coast has one of Florida’s fastest-growing and most active senior communities:
- Population: Approximately 89,000
- Residents 65+: About 35% (significantly above state average)
- Median age: 52 years
- Median household income: $58,000
- Home ownership rate: 82%
- Affordability: Housing costs 20-25% below South Florida; moderate property taxes
Many Palm Coast retirees enjoy:
- Master-Planned Communities: Numerous 55+ neighborhoods including Grand Haven, Palm Coast Plantation, Flagler Beach communities
- Golf Paradise: Over a dozen championship golf courses including Hammock Beach Golf Resort & Spa, Palm Harbor Golf Club, Matanzas Woods Golf Club
- Beach Access: Just minutes to Flagler Beach’s 6 miles of pristine, uncrowded Atlantic beaches
- Nature & Parks: Washington Oaks Gardens State Park, Hammock Beach State Park, miles of scenic walking and biking trails along the Intracoastal Waterway
- Boating & Fishing: Saltwater and freshwater fishing, boat ramps, marinas, access to the Intracoastal Waterway
- Tennis & Pickleball: Extensive courts throughout the city; active leagues and tournaments
- Arts & Culture: Flagler Auditorium hosts concerts and shows, Palm Coast Arts Foundation, community theater
- Dining & Shopping: Town Center shopping district, diverse restaurants, weekly farmers markets
- New Development: Modern infrastructure, well-maintained neighborhoods, contemporary amenities
- Active Lifestyle: Extensive trail system (over 125 miles), parks, recreation centers, fitness facilities
- Senior Programs: Flagler County Senior Services offers comprehensive programs including fitness classes, day trips, social activities, and wellness programs
- Proximity to Major Cities: 30 minutes to St. Augustine (historic charm), 1 hour to Jacksonville, 1.5 hours to Orlando theme parks
- Growing Healthcare: Expanding medical facilities keeping pace with population growth
Palm Coast attracts active retirees seeking a modern Florida lifestyle with excellent amenities, beach access, championship golf, and proximity to historic St. Augustine—all at prices significantly below South Florida. The combination of master-planned communities, outdoor recreation, and contemporary infrastructure makes it ideal for retirees who want an active, social lifestyle in a newer, well-designed city.
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 Palm Coast?
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
Palm Coast-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 Palm Coast: Community Snapshot for Seniors
Palm Coast is one of Florida’s newest and fastest-growing cities, offering retirees a contemporary take on Florida retirement living. Incorporated in 1999, this master-planned community has grown from virtually nothing to nearly 89,000 residents, with growth driven largely by retirees from the Northeast discovering its appealing combination of modern amenities, natural beauty, and relative affordability.
Located along Florida’s scenic Atlantic coast between Jacksonville and Daytona Beach, Palm Coast offers the best of multiple worlds: pristine beaches at nearby Flagler Beach, championship golf courses, extensive trail systems, and proximity to historic St. Augustine (just 30 minutes south). According to U.S. Census data, about 35% of Palm Coast residents are 65 or older, reflecting its strong reputation as a retirement destination.
Unlike older Florida cities, Palm Coast was designed from the ground up with wide boulevards, modern infrastructure, extensive parks and recreational facilities, and carefully planned neighborhoods. The city boasts over 125 miles of walking and biking trails, numerous golf courses, parks, and green spaces. Major residential communities like Grand Haven, Palm Coast Plantation, and others offer resort-style amenities including clubhouses, pools, fitness centers, and active social calendars.
Retirees are drawn to Palm Coast for its contemporary feel, abundant recreational opportunities, access to uncrowded beaches, championship golf, active lifestyle options, proximity to cultural attractions in St. Augustine, and housing costs significantly below South Florida and coastal markets. The city offers modern shopping, diverse dining, expanding healthcare facilities, and a strong sense of community. For active retirees who want a newer city with excellent amenities, outdoor recreation, and beach access without the high prices of more established coastal areas, Palm Coast delivers exceptional value and quality of life.
Healthcare Access in Palm Coast, Florida
Palm Coast residents enjoy excellent and expanding healthcare access with modern facilities:
Local Medical Facilities:
- 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. - 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
Nearby Advanced Care:
- UF Health Jacksonville – 45 miles north, academic medical center with full range of specialties
- Mayo Clinic Jacksonville – 50 miles north, world-renowned medical center
- Halifax Health Medical Center (Daytona Beach) – 30 miles south, Level II trauma center
- Baptist Health Jacksonville – Network of hospitals with advanced services
Healthcare Growth: Palm Coast’s healthcare infrastructure has expanded significantly to keep pace with population growth. AdventHealth Palm Coast recently completed major expansions, and new medical practices continue opening throughout the city. Most routine and urgent care is handled locally, with major medical centers in Jacksonville and Daytona Beach easily accessible for specialized treatment.
Pharmacies:
- CVS Pharmacy – Multiple Palm Coast locations including 5 Palm Harbor Parkway, 4 Old Kings Road North
- Walgreens – Several locations including 5 Garden Street, 5520 East Highway 100
- Publix Pharmacy – Multiple Palm Coast locations throughout the city
- Walmart Pharmacy – 174 Cypress Point Parkway, Palm Coast
- Winn-Dixie Pharmacy – Local neighborhood pharmacies
Medicare-Accepting Doctors Serving Palm Coast Residents
Primary Care Physicians:
- 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
- Florida Health Care Plans – Multiple Palm Coast locations
- Atlantic Primary Care – 4 Old Kings Road North, Palm Coast, FL 32137
Cardiology:
- 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:
- 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:
- Steward Internal Medicine – Palm Coast locations
- Flagler Internal Medicine Group – Serving Palm Coast seniors
- AdventHealth Medical Group Internal Medicine – Multiple offices
Specialty Care Available Locally:
- Dermatology – Multiple practices including Dermatology Associates, Flagler Dermatology
- Ophthalmology – Eye care specialists including Florida Eye Specialists, Flagler Eye Care
- Gastroenterology – GI specialists throughout Palm Coast
- Urology – Atlantic Urology Clinics and others
- Oncology – Cancer care at AdventHealth Palm Coast
- ENT – Ear, nose, and throat specialists
- Podiatry – Multiple foot and ankle specialists
- Neurology – Brain and nerve specialists locally
Note: Always verify Medicare acceptance when scheduling appointments, as provider networks can change.
Medicare-Accepting Medical Facilities Near Palm Coast
- 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 – New medical campus in Palm Coast
Flagler County Health Department – 301 Dr. Carter Boulevard, Bunnell, FL 32110
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: (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 – 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:
- Palm Coast Community Center – 305 Palm Coast Parkway NE: Programs, events, fitness
- Flagler County Public Library – Palm Coast branch with senior programs
- Palm Coast Parks & Recreation – Extensive facilities and senior activities
- Flagler Auditorium – Cultural events and performances
- Palm Coast Arts Foundation – Classes and exhibitions
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- City of Palm Coast – palmcoastgov.com
- Flagler County Government – Senior services information
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 Palm Coast, FL Residents
We specialize in helping Flagler County seniors navigate Medicare Supplement options with expertise and personalized attention:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP codes 32137, 32164 ✓ Personalized Recommendations – Your health needs, lifestyle, and budget are unique; we match you with the perfect plan ✓ Application Assistance – We handle all paperwork and follow up with insurance carriers on your behalf ✓ Year-Round Support – Questions about claims, coverage, or billing? We’re here whenever you need us ✓ Local Expertise – We understand Palm Coast’s healthcare landscape and what matters to Flagler County seniors ✓ No-Pressure Guidance – Education and honest advice, never pushy sales tactics ✓ Master-Planned Community Experience – We work with many Grand Haven, Palm Coast Plantation, and other community residents ✓ Clear Communication – We explain everything in plain language you can understand ✓ Jacksonville Network Knowledge – We help ensure your coverage works seamlessly at Mayo Clinic, UF Health, and other Jacksonville facilities
We’ve helped hundreds of Palm Coast residents find Medicare Supplement plans that provide comprehensive protection and peace of mind. Whether you prefer meeting at a local coffee shop, talking by phone, or communicating by email, we work on your schedule and in the way that’s most comfortable for you.
Common Medicare Questions from Palm Coast Residents
“Do I need a Medigap plan if I already have Original Medicare?” Original Medicare (Parts A & B) covers many services, but leaves you responsible for deductibles, copays, and coinsurance that can add up to thousands of dollars annually. A Medicare Supplement plan fills these gaps, providing financial predictability. For active Palm Coast retirees who see doctors regularly, play golf, stay physically active, and occasionally need specialist care at AdventHealth or in Jacksonville, comprehensive Medigap coverage provides crucial protection and peace of mind.
“Which plan is most popular here—Plan G or Plan N?” Plan G is by far the most popular choice among Palm Coast retirees. It offers the most comprehensive coverage, paying nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Many Palm Coast residents appreciate Plan G’s simplicity—no copays, no surprises, just comprehensive coverage. Plan N offers lower premiums (typically $35-50 less monthly) but requires small copays at doctor visits. Given Palm Coast’s active senior population who see doctors regularly, most prefer Plan G’s complete coverage.
“Can I use my Medigap plan at AdventHealth Palm Coast and at Mayo Clinic in Jacksonville?” Absolutely! That’s the beauty of Medicare Supplement plans—they work with any doctor or hospital that accepts Original Medicare, anywhere in the United States. Whether you’re getting routine care at AdventHealth Palm Coast, seeing specialists locally, visiting Mayo Clinic or UF Health in Jacksonville, or traveling to visit family out of state, your coverage works identically. No networks, no referrals, complete freedom of choice.
“We travel frequently—does our coverage work outside Florida?” Yes! Your Medicare Supplement plan provides nationwide coverage. Many Palm Coast retirees travel extensively—visiting family up north, taking road trips, or spending time at second homes. Your Medigap coverage follows you anywhere in the U.S., providing the same comprehensive protection whether you’re in Palm Coast or Portland. This flexibility is one of the main reasons active, mobile retirees prefer Medigap over Medicare Advantage plans with limited networks.
“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 history. This protection is invaluable and shouldn’t be missed. If you’re moving to Palm Coast from another state, you may also qualify for guaranteed issue rights.
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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