Medicare Supplement Plans in Gadsden County, Florida: Quincy, Havana & Chattahoochee
What Medicare Supplement plans pay in Gadsden County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Gadsden County, Florida
Gadsden County, on the Georgia line just west of Tallahassee, has no general hospital open to the public. It has a 24-hour freestanding emergency department in Quincy and one Medicare-certified nursing home, according to CMS data updated in 2026. About 23% of its roughly 44,000 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.
Gadsden County at a Glance
| County seat | Quincy |
|---|---|
| Cities and towns | Quincy, Chattahoochee, Havana, Gretna, Midway and Greensboro |
| Population | 44,298 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 22.6% |
| People with Medicare | 11,272 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 3,207 (28.5%) |
| In Medicare Advantage or other health plans | 8,065 (71.5%) |
| Hospital care | 24-hour emergency department in Quincy; nearest hospitals in Tallahassee |
| Medicare-certified nursing homes | 1 |
| Medicare-certified dialysis facilities | 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.
Gadsden County is part of our Florida Panhandle Medicare Supplement region, just west of Tallahassee. Residents use a 24-hour emergency department in Quincy and travel about 25 miles to Tallahassee for hospital stays.
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Medicare Supplement Plans in Gadsden County
Of the 11,272 people with Medicare in Gadsden County, 3,207 (28.5%) 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 lower than the statewide figure of 42.9%. Another 1,390 Gadsden County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Gadsden County Residents
- Hospital stays in Tallahassee: Gadsden County residents are admitted to hospitals in Tallahassee or farther away. A Medicare Supplement plan pays the same way at every hospital that accepts Medicare.
- Emergency visits in Quincy: The Quincy emergency department is part of HCA Florida Capital Hospital. Plan G pays your Part B coinsurance there after the Part B deductible, and Plan N may leave an ER copay of up to $50.
- 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 2,608 Gadsden 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 Gadsden 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 Tallahassee Memorial HealthCare, HCA Florida Capital 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 a Tallahassee hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Gadsden 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 Gadsden County in 2026?
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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.
Hospital and Emergency Care for Gadsden County
Gadsden County has no general hospital open to the public. HCA Florida Gadsden Emergency at 23186 Blue Star Hwy in Quincy, (850) 875-6000, is open 24 hours a day for adults and children and is part of HCA Florida Capital Hospital in Tallahassee (HCA Florida Healthcare). Patients who need a hospital stay are transferred to a hospital.
Florida State Hospital in Chattahoochee appears in CMS hospital data, but it is a state psychiatric hospital for people placed there by the courts or the state and does not offer public emergency care.
Nearest Hospitals in Tallahassee
Tallahassee, about 25 miles east of Quincy, has the closest general hospitals.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Tallahassee Memorial HealthCare | Leon | 1300 Miccosukee Rd, Tallahassee, FL 32308 | (850) 431-1155 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Capital Hospital | Leon | 2626 Capital Medical Blvd, Tallahassee, FL 32308 | (850) 656-5000 | 2 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 Serving Gadsden County
The map shows the Quincy emergency department, Gadsden County’s nursing home and the nearest hospitals in Tallahassee. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Home in Gadsden County
CMS lists one Medicare-certified nursing home in Gadsden County, Riverchase Health and Rehabilitation Center in Quincy, with 120 certified beds and a CMS overall rating of 5 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 |
|---|---|---|---|---|---|
| Riverchase Health and Rehabilitation Center | 1017 Strong Rd, Quincy, FL 32351 | (850) 875-3711 | 120 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Leon 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 Gadsden County
- Home health: CMS lists no Medicare-certified home health agency with an office in Gadsden County. Agencies based in Tallahassee serve the area, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Gadsden County. Agencies based in Tallahassee 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 one dialysis facility in Gadsden County, DaVita Quincy Dialysis at 878 Strong Rd, Quincy, (850) 854-8001. 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 Gadsden County
These public and nonprofit resources help Gadsden 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 Advantage Aging Solutions, the Area Agency on Aging for North Florida | 2414 Mahan Drive, Tallahassee, FL 32308 (850) 488-0055 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Gadsden County | Public health services, vaccinations and clinic services | 278 LaSalle Leffall Dr, Quincy, FL 32351 (850) 875-7200 gadsden.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 |
Gadsden County Medicare FAQs
How many people in Gadsden County use Original Medicare?
CMS counts 11,272 people with Medicare in Gadsden County as of June 2026. Of them, 3,207 (28.5%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 8,065 are in Medicare Advantage or other health plans.
What would a hospital stay at a Tallahassee 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.
Does Medigap cover a visit to the Quincy emergency department?
Yes. Emergency department care is covered by Medicare Part B. Plan G pays the 20% coinsurance after the $283 Part B deductible. Plan N pays it too, but you may owe up to $50 if the visit does not lead to an admission.
Should Gadsden 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 Tallahassee?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Quincy, Tallahassee or anywhere else. There are no provider networks.
Is there a hospital in Gadsden County?
Gadsden County has no general hospital open to the public. HCA Florida Gadsden Emergency in Quincy is open 24 hours a day, and the nearest hospitals are Tallahassee Memorial HealthCare and HCA Florida Capital Hospital in Tallahassee.
Where can I get free Medicare counseling in Gadsden County?
SHINE offers free, unbiased Medicare counseling through Advantage Aging Solutions, the Area Agency on Aging for North Florida. Call (850) 488-0055 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: Gadsden 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.
- HCA Florida Healthcare. HCA Florida Gadsden Emergency. Accessed October 9, 2026.
- Florida Department of Health in Gadsden County. Florida Department of Health in Gadsden County. 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 Gadsden County
Plan benefits are the same from every carrier, but premiums in Gadsden 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 Gadsden County
Medicare Supplement plans work the same way in every Gadsden 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 Quincy
The Gadsden County seat, a historic small city west of Tallahassee. About 7,942 people live in Quincy, and about 1,187 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 Tallahassee Memorial HealthCare in Tallahassee, about 21 miles away in a straight line.
Medicare Supplement Plans in Midway
A small community on the Tallahassee side of Gadsden County, closely tied to the Tallahassee metro area. About 3,511 people live in Midway, and about 207 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 Tallahassee Memorial HealthCare in Tallahassee, about 12 miles away in a straight line.
Medicare Supplement Plans in Chattahoochee
A small town on the Apalachicola River in western Gadsden County. About 2,979 people live in Chattahoochee, and about 400 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 Tallahassee Memorial HealthCare in Tallahassee, about 38 miles away in a straight line.
Medicare Supplement Plans in Havana
A small historic town north of Tallahassee, near the Georgia line. About 2,031 people live in Havana, and about 686 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 Tallahassee Memorial HealthCare in Tallahassee, about 15 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 Gadsden County
I help people with Medicare Supplement plans in every city, town and community in Gadsden County.
- Chattahoochee
- Greensboro
- Gretna
- Havana
- Midway
- Quincy
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216