Medicare Supplement Plans in Jefferson County, Florida: Monticello
What Medicare Supplement plans pay in Jefferson County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Jefferson County, Florida
Jefferson County, a rural county between Tallahassee and the Aucilla River, has no Medicare-certified hospital and one Medicare-certified nursing home, according to CMS data updated in 2026. Residents travel to Tallahassee or Madison for hospital care. About 27% of its roughly 16,000 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.
Jefferson County at a Glance
| County seat | Monticello |
|---|---|
| Incorporated city | Monticello |
| Other communities | Wacissa, Lamont and Lloyd |
| Population | 16,007 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 27.2% |
| People with Medicare | 4,250 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 1,541 (36.3%) |
| In Medicare Advantage or other health plans | 2,709 (63.7%) |
| Medicare-certified hospitals | None in the county; the nearest are in Tallahassee and Madison |
| Medicare-certified nursing homes | 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.
Jefferson County is part of our Florida Panhandle Medicare Supplement region, a rural county east of Tallahassee that runs from the Georgia line to the Gulf coast. With no hospital in the county, residents rely on hospitals in Tallahassee and Madison, and some use hospitals across the line in Georgia.
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Medicare Supplement Plans in Jefferson County
Of the 4,250 people with Medicare in Jefferson County, 1,541 (36.3%) 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 760 Jefferson County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Jefferson County Residents
- No hospital in the county: Every hospital stay for Jefferson County residents happens elsewhere, usually in Tallahassee. A Medicare Supplement plan pays the same way at any hospital in the United States that accepts Medicare.
- Ambulance transport: 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 when the nearest hospital is in another county.
- 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 688 Jefferson 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 Jefferson 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 Tallahassee Memorial HealthCare plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Jefferson 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 Jefferson 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.
Hospitals Serving Jefferson County
CMS lists no hospital in Jefferson County, so residents go to neighboring counties for hospital and emergency care. Tallahassee Memorial HealthCare and HCA Florida Capital Hospital in Tallahassee are the closest larger hospitals, and Madison County Memorial Hospital is to the east.
Nearest Hospitals Outside Jefferson County
All three hospitals have emergency departments. Madison County Memorial is a critical access hospital, a small rural hospital type that is often too small to receive a CMS overall rating.
| 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 |
| Madison County Memorial Hospital | Madison | 224 NW Crane Ave, Madison, FL 32340 | (850) 973-2271 | 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.
Map of Medicare-Certified Facilities Serving Jefferson County
The map shows Jefferson County’s nursing home in Monticello along with the nearest hospitals in Tallahassee and Madison. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Home in Jefferson County
CMS lists one Medicare-certified nursing home in Jefferson County, Brynwood Health and Rehabilitation Center in Monticello, with 97 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 |
|---|---|---|---|---|---|
| Brynwood Health and Rehabilitation Center | 1656 South Jefferson Street, Monticello, FL 32344 | (850) 997-1800 | 97 | 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, Madison 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 Jefferson County
- Home health: CMS lists no Medicare-certified home health agency with an office in Jefferson County. Agencies based in Tallahassee and other neighboring areas may serve your home, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Jefferson 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 facility in Jefferson County. Search dialysis facilities on Care Compare for the nearest locations, 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 Jefferson County
These public and nonprofit resources help Jefferson 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 Jefferson County | Public health services, vaccinations and clinic services | 1255 W Washington St, Monticello, FL 32344 (850) 342-0170 jefferson.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 |
Jefferson County Medicare FAQs
How many people in Jefferson County use Original Medicare?
CMS counts 4,250 people with Medicare in Jefferson County as of June 2026. Of them, 1,541 (36.3%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 2,709 are in Medicare Advantage or other health plans.
What would a hospital stay at Tallahassee Memorial HealthCare 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.
Will my Medicare Supplement plan cover care in Tallahassee or Georgia?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Tallahassee, Madison, Georgia or anywhere else. There are no provider networks or state lines to worry about.
Should Jefferson 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.
Does Medicare cover an ambulance to a hospital outside Jefferson County?
Medicare Part B covers emergency ambulance transportation 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%.
Is there a hospital in Jefferson County?
No. CMS lists no hospital in Jefferson County. The nearest are Tallahassee Memorial HealthCare and HCA Florida Capital Hospital in Tallahassee and Madison County Memorial Hospital in Madison.
Where can I get free Medicare counseling in Jefferson County?
SHINE offers free, unbiased Medicare counseling through Advantage Aging Solutions, the Area Agency on Aging for North Florida, in Tallahassee. 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: Jefferson 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 Jefferson 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 Jefferson County
Plan benefits are the same from every carrier, but premiums in Jefferson 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 Jefferson County
Medicare Supplement plans work the same way in every Jefferson 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 Monticello
The Jefferson County seat, known for its preserved historic downtown and courthouse square. About 2,659 people live in Monticello, and about 725 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 HCA Florida Capital Hospital in Tallahassee, about 22 miles away in a straight line.
Medicare Supplement Plans in Wacissa
A rural community in Jefferson County near the Wacissa River, with most services in Monticello and Tallahassee. About 355 people live in Wacissa, and about 201 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 HCA Florida Capital Hospital in Tallahassee, about 16 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 Jefferson County
I help people with Medicare Supplement plans in every city, town and community in Jefferson County.
- Aucilla
- Lloyd
- Monticello
- Wacissa
- Waukeenah
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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 Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216