Medicare Supplement Plans and Medicare Resources in Holmes County, Florida
What Medicare Supplement plans pay in Holmes County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Holmes County, Florida
Holmes County, a rural county in the Florida Panhandle bordering Alabama, has one Medicare-certified hospital, Doctors Memorial Hospital in Bonifay, and one Medicare-certified nursing home, according to CMS data updated in 2026. About 22% of its roughly 20,000 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.
Holmes County at a Glance
| County seat | Bonifay |
|---|---|
| Incorporated city and towns | Bonifay, Esto, Noma, Ponce de Leon and Westville |
| Population | 20,119 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 22.1% |
| People with Medicare | 4,877 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 2,273 (46.6%) |
| In Medicare Advantage or other health plans | 2,604 (53.4%) |
| Medicare-certified hospitals | 1 critical access hospital |
| Medicare-certified nursing homes | 1 |
| Medicare-certified dialysis facilities | None in the county; the closest is in Chipley |
| 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.
Holmes County is part of our Florida Panhandle Medicare Supplement region, a rural county on the Alabama line north of Interstate 10. Its small hospital is in Bonifay, and residents travel to Chipley, Marianna, DeFuniak Springs, Panama City or Dothan, Alabama for more specialized care.
Medicare Supplement Plans in Holmes County
Of the 4,877 people with Medicare in Holmes County, 2,273 (46.6%) 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 1,271 Holmes County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Holmes County Residents
- Care across county and state lines: Many Holmes County residents see specialists in Panama City or Dothan, Alabama. A Medicare Supplement plan pays the same way in Florida and Alabama, with no networks to check.
- Transfers and ambulance rides: Part B covers medically necessary ambulance rides, and you normally pay 20% after the Part B deductible. Plan G and Plan N pay that 20%, which matters for transfers to larger hospitals.
- 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 1,141 Holmes 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 Holmes 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 Doctors Memorial Hospital, a hospital in Panama City or Dothan 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 Doctors Memorial Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Holmes 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 Holmes 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.
Medicare-Certified Hospital in Holmes County
Doctors Memorial Hospital in Bonifay is Holmes County’s only hospital. It is a critical access hospital, a small rural hospital type with no more than 25 inpatient beds that Medicare designates to keep hospital care available far from larger medical centers. It has a CMS overall rating of 2 of 5 stars. Patients who need surgery or specialty care are often transferred to larger hospitals in neighboring counties.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Doctors Memorial Hospital | Critical access | 2600 Hospital Dr, Bonifay, FL 32425 | (850) 547-1120 | 2 of 5 stars | Care Compare | Directions |
Nearest Hospitals Outside Holmes County
Northwest Florida Community Hospital in Chipley is southeast of Bonifay, Jackson Hospital is east in Marianna and North Walton Doctors Hospital is west in DeFuniak Springs. Panama City and Dothan, Alabama have the region’s largest hospitals.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Northwest Florida Community Hospital | Washington | 1360 Brickyard Rd, Chipley, FL 32428 | (850) 638-1610 | 2 of 5 stars | Care Compare | Directions |
| Jackson Hospital | Jackson | 4250 Hospital Dr, Marianna, FL 32446 | (850) 526-2200 | 1 of 5 stars | Care Compare | Directions |
| North Walton Doctors Hospital | Walton | 4413 US Hwy 331 S, DeFuniak Springs, FL 32435 | (850) 920-2065 | Not rated | 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. Many critical access hospitals are too small to receive an overall rating.
Map of Medicare-Certified Facilities in and Near Holmes County
The map shows Holmes County’s hospital and nursing home in Bonifay along with the nearest hospitals in Chipley, Marianna and DeFuniak Springs. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Home in Holmes County
CMS lists one Medicare-certified nursing home in Holmes County, Bonifay Nursing and Rehab Center, with 180 certified beds and a CMS overall rating of 4 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 |
|---|---|---|---|---|---|
| Bonifay Nursing and Rehab Center | 306 West Brock Avenue, Bonifay, FL 32425 | (850) 547-9289 | 180 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Washington, Jackson and Walton counties are also options, so search Care Compare by ZIP code to compare ratings.
Home Health, Hospice and Dialysis in Holmes County
- Home health: CMS lists no Medicare-certified home health agency with an office in Holmes County. Agencies based in neighboring counties may serve your area, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Holmes 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 no dialysis facilities in Holmes County. The closest is DaVita Chipley Dialysis in Chipley, (850) 638-7783. 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.
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Free Medicare Help in Holmes County
These public and nonprofit resources help Holmes 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 Holmes County | Public health services, vaccinations and clinic services | 603 Scenic Hill Circle, Bonifay, FL 32425 (850) 547-8500 holmes.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 |
Cities and Communities in Holmes County
Bonifay is Holmes County’s seat and its only city. Choose it for local Medicare information:
- Bonifay, home to Doctors Memorial Hospital, the county’s nursing home and the health department
The towns of Esto, Noma, Ponce de Leon and Westville are the county’s other incorporated communities.
Holmes County Medicare FAQs
How many people in Holmes County use Original Medicare?
CMS counts 4,877 people with Medicare in Holmes County as of June 2026. Of them, 2,273 (46.6%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 2,604 are in Medicare Advantage or other health plans.
What would a hospital stay at Doctors Memorial 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 Medicare cover a transfer from Doctors Memorial Hospital to a larger hospital?
Medicare Part B covers medically necessary ambulance transport to the nearest appropriate facility. After the $283 Part B deductible you normally pay 20% of the approved amount, and Plan G and Plan N pay that 20%. A new hospital admission is covered under Part A.
Should Holmes 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 Dothan, Alabama?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Bonifay, Panama City, Dothan or anywhere else. There are no provider networks or state lines to worry about.
Is there a hospital in Holmes County?
Yes. Doctors Memorial Hospital in Bonifay is the county’s only hospital, a critical access hospital with a CMS overall rating of 2 of 5 stars. The nearest other hospitals are in Chipley, Marianna and DeFuniak Springs.
Where can I get free Medicare counseling in Holmes 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: Holmes 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.
- Advantage Aging Solutions. Advantage Aging Solutions. Accessed October 9, 2026.
- Florida Department of Health in Holmes County. Contact Us. Accessed October 9, 2026.
- Medicare.gov. Ambulance services. 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 Holmes County
Plan benefits are the same from every carrier, but premiums in Holmes 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.
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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 reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216