Medicare Supplement Plans and Medicare Resources in Hernando County, Florida
What Medicare Supplement plans pay in Hernando County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
Free and no obligation. A licensed agent will send your quote within 24 hours.
Compare Plans • Speak With a Licensed Advisor • Quotes Within 24 Hours
Medicare in Hernando County, Florida
Hernando County, home to Brooksville, Spring Hill and Weeki Wachee, sits on the Gulf coast north of Tampa Bay. CMS lists two general hospitals, a psychiatric hospital, a rehabilitation hospital and six Medicare-certified nursing homes, according to data updated in 2026, and Tampa General Hospital Spring Hill also serves the county. About 27% of its roughly 222,000 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.
Hernando County at a Glance
| County seat | Brooksville |
|---|---|
| Incorporated cities | Brooksville and Weeki Wachee |
| Other communities | Spring Hill, Hernando Beach, Masaryktown and Ridge Manor |
| Population | 221,701 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 27.3% |
| People with Medicare | 63,590 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 20,382 (32.1%) |
| In Medicare Advantage or other health plans | 43,208 (67.9%) |
| Medicare-certified hospitals | 2 general hospitals and 1 psychiatric hospital (Tampa General Hospital Spring Hill has no separate listing) |
| Rehabilitation | 1 rehabilitation hospital |
| Medicare-certified nursing homes | 6 |
| Medicare-certified hospice agencies based in the county | 1 |
| Medicare-certified dialysis facilities | 5 |
| 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.
Hernando County is the northern edge of our Tampa Bay Medicare Supplement region, north of Pasco County and south of Citrus County. Its hospitals are in Brooksville and Spring Hill, and residents also use hospitals in Pasco, Citrus and Hillsborough counties.
Estimate Your Monthly Premium
See the range of Medicare Supplement rates for your Florida or Alabama ZIP code. No name, phone or email needed.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
Medicare Supplement Plans in Hernando County
Of the 63,590 people with Medicare in Hernando County, 20,382 (32.1%) 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 14,275 Hernando County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Hernando County Residents
- Hospitals across the region, one plan: Hernando County residents use hospitals in Brooksville and Spring Hill and in Pasco, Citrus and Hillsborough counties. A Medicare Supplement plan pays the same way at all of them, with no networks to check.
- Fewer people in Original Medicare: Only 32.1% of Hernando County’s Medicare population uses Original Medicare, below the statewide share of about 43%. If you are comparing a Medicare Advantage plan with a Medigap plan, check whether the Advantage plan’s network includes the hospitals you use.
- 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 8,327 Hernando 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 Hernando 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 Tampa General Hospital Brooksville, HCA Florida Oak Hill Hospital, Tampa General Hospital Spring Hill 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 Tampa General Hospital Brooksville plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Hernando 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 Hernando 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.
1. Choose a year
2. See what you would pay
Add your premium quotes to see the full-year cost (optional)
We do not show premiums. When you enter a quote, that plan's bar includes 12 months of premium.
Change the example (optional)
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 Hernando County
CMS lists two general hospitals in Hernando County, both with emergency departments. Tampa General Hospital Brooksville and HCA Florida Oak Hill Hospital each hold a CMS overall rating of 1 of 5 stars in the 2026 data. Springbrook Hospital in Brooksville provides inpatient psychiatric care.
Tampa General Hospital Spring Hill at 10461 Quality Dr, (352) 576-5400, is a 124-bed acute care hospital with an emergency department, according to Tampa General. It has no separate listing in the CMS hospital data, so it has no star rating of its own here. Encompass Health Rehabilitation Hospital of Spring Hill provides inpatient rehabilitation after a stroke, surgery or serious illness.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Oak Hill Hospital | Acute care | 11375 Cortez Blvd, Brooksville, FL 34613 | (352) 596-6632 | 1 of 5 stars | Care Compare | Directions |
| Tampa General Hospital Brooksville | Acute care | 17240 Cortez Blvd, Brooksville, FL 34601 | (352) 796-5111 | 1 of 5 stars | Care Compare | Directions |
| Springbrook Hospital | Psychiatric | 7007 Grove Rd, Brooksville, FL 34609 | (352) 596-4306 | Not rated | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Spring Hill | Inpatient rehabilitation | 12440 Cortez Blvd, Brooksville, FL 34613 | 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. Psychiatric hospitals do not receive CMS overall star ratings.
Map of Medicare-Certified Facilities in Hernando County
The map shows Hernando County’s hospitals, including Tampa General Hospital Spring Hill, along with the rehabilitation hospital, nursing homes and hospice office. Oak Hill Health and Rehabilitation, 7371 Cortez Oaks Blvd in Brooksville, could not be placed on the map. Dialysis facilities and home health agencies are listed below but not mapped. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Hernando County
CMS lists six Medicare-certified nursing homes in Hernando County with 769 certified beds. Ratings range from 2 to 4 stars, and none holds 5 stars. Aviata at Spring Hill and Oak Hill Health and Rehabilitation hold 4 stars, so compare before you choose. 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 6 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Aviata at Brooksville | 1445 Howell Ave, Brooksville, FL 34601 | (352) 799-1451 | 120 | 3 of 5 | Care Compare | Directions |
| Aviata at Spring Hill | 12170 Cortez Blvd, Brooksville, FL 34613 | (352) 597-5100 | 120 | 4 of 5 | Care Compare | Directions |
| Brooksville Healthcare Center | 1114 Chatman Blvd, Brooksville, FL 34601 | (352) 796-6701 | 180 | 3 of 5 | Care Compare | Directions |
| Evergreen Woods | 7045 Evergreen Woods Trl, Spring Hill, FL 34608 | (352) 596-8371 | 120 | 2 of 5 | Care Compare | Directions |
| Northbrook Center for Rehabilitation and Healing | 575 Lamar Ave, Brooksville, FL 34601 | (352) 799-2226 | 120 | 2 of 5 | Care Compare | Directions |
| Oak Hill Health and Rehabilitation | 7371 Cortez Oaks Blvd, Brooksville, FL 34613 | 109 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Some facilities, such as those inside continuing care retirement communities, may limit admission to their own residents. Call to confirm.
Home Health, Hospice and Dialysis in Hernando County
- Home health: CMS lists six Medicare-certified home health agencies with offices in Hernando County, in Brooksville, Spring Hill and Weeki Wachee. Medicare covers home health care with no coinsurance when you qualify, so Medigap matters less here. Search by ZIP code on Medicare Care Compare to see which agencies serve your home, with their ratings.
- Hospice: One Medicare-certified hospice agency is based in Hernando County in CMS data: HPH Hospice in Brooksville, (866) 940-0962 (Care Compare). Agencies based in neighboring counties may also 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 five dialysis facilities in Hernando County, in Brooksville and Spring Hill. Dialysis is a Part B service, so the 20% coinsurance applies, and every Medigap plan helps pay it. Search dialysis facilities on Care Compare by ZIP code.
- 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 Hernando County
These public and nonprofit resources help Hernando 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 Elder Options, the Mid-Florida Area Agency on Aging | 100 SW 75th Street, Suite 301, Gainesville, FL 32607 1-800-963-5337 floridashine.org |
| Florida Department of Health in Hernando County | Public health services, vaccinations and clinic services | 300 S Main St, Brooksville, FL 34601 (352) 540-6800 hernando.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 |
Hernando County Medicare FAQs
How many people in Hernando County use Original Medicare?
CMS counts 63,590 people with Medicare in Hernando County as of June 2026. Of them, 20,382 (32.1%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 43,208 are in Medicare Advantage or other health plans.
What would a hospital stay at Tampa General Hospital Brooksville 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.
Can I use my Medicare Supplement plan at hospitals in other counties?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare. There are no networks or referrals, so you can use hospitals in Hernando, Pasco, Citrus or Hillsborough counties or anywhere else.
Should Hernando 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 Medicare Supplement plan if I spend part of the year elsewhere?
Yes. A Medigap plan follows you anywhere in the United States, and Plans G and N pay their share for any doctor or hospital that accepts Medicare. Premiums are based on where you live, so tell your carrier if your permanent address changes.
How many Medicare-certified hospitals are in Hernando County?
CMS lists two general hospitals, Tampa General Hospital Brooksville and HCA Florida Oak Hill Hospital. Springbrook Hospital is a psychiatric hospital. Tampa General Hospital Spring Hill also has an emergency department but no separate CMS listing.
Where can I get free Medicare counseling in Hernando County?
SHINE offers free, unbiased Medicare counseling through Elder Options, the Mid-Florida Area Agency on Aging. Call the Elder Helpline at 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, September 23). Inpatient Rehabilitation Facility General 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: Hernando 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.
- Tampa General Hospital. Tampa General Hospital Spring Hill. Accessed October 9, 2026.
- Florida Department of Health in Hernando County. Brooksville 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 Hernando County
Plan benefits are the same from every carrier, but premiums in Hernando 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.
Communities in Hernando County
I help people with Medicare Supplement plans in every city, town and community in Hernando County, including these with their own local pages.
- Brookridge
- Garden Grove
- Hernando Beach
- High Point
- Istachatta
- Masaryktown
- Nobleton
- North Brooksville
- North Weeki Wachee
- Pine Island
- Ridge Manor
- South Brooksville
- Timber Pines
- Weeki Wachee Gardens
Get Your Free Medicare Supplement Quote 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:
Site Ownership and Licensing
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.
Insurance product descriptions on this site are provided for informational and 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 may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified tax advisor or attorney regarding your specific situation.
Email and text communications may not be fully secure. Please avoid sending sensitive personal information unless requested through a secure channel.
All trademarks and logos are the property of their respective owners.
Contact Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, Aetna, HealthSpring (formerly Cigna), Medico, Mutual of Omaha, Physicians Mutual, WPS Health Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216