Medicare Supplement Plans and Medicare Resources in Lake County, Florida
What Medicare Supplement plans pay in Lake 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 Lake County, Florida
Lake County, in Central Florida northwest of Orlando, has four Medicare-certified general hospitals, a psychiatric hospital, inpatient rehabilitation hospitals and 17 Medicare-certified nursing homes, according to CMS data updated in 2026. About 28% of its roughly 456,000 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.
Lake County at a Glance
| County seat | Tavares |
|---|---|
| Incorporated cities and towns | Astatula, Clermont, Eustis, Fruitland Park, Groveland, Howey-in-the-Hills, Lady Lake, Leesburg, Mascotte, Minneola, Montverde, Mount Dora, Tavares and Umatilla |
| Population | 456,068 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 28.0% |
| People with Medicare | 127,726 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 54,578 (42.7%) |
| In Medicare Advantage or other health plans | 73,148 (57.3%) |
| Medicare-certified hospitals | 4 general hospitals and 1 psychiatric hospital |
| Rehabilitation hospitals | 2 rehabilitation hospitals and 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 17 |
| Medicare-certified hospice agencies | 3 |
| Medicare-certified dialysis facilities | 13 |
| 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.
Lake County is part of our Central Florida Medicare Supplement region, stretching from Clermont near Orlando to Lady Lake and the edge of The Villages. Its four general hospitals are spread across Clermont, Tavares, Leesburg and The Villages, and many residents in the south of the county also use Orlando hospitals.
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 Lake County
Of the 127,726 people with Medicare in Lake County, 54,578 (42.7%) 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 close to the statewide figure of 42.9%. Another 39,576 Lake County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Lake County Residents
- Several hospital systems, one plan: Lake County hospitals belong to Orlando Health, AdventHealth, UF Health and The Villages. A Medicare Supplement plan pays the same way at all of them and at Orlando hospitals, with no networks to check.
- Seasonal residents: A Medigap plan works anywhere in the United States that accepts Medicare, so it covers care here and back home for part-year residents. Many Medicare Advantage plans limit routine care outside their service area.
- 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 13,617 Lake 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 Lake 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 AdventHealth Waterman, UF Health Leesburg Hospital, an Orlando 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 AdventHealth Waterman plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Lake 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 Lake 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 Lake County
CMS lists four general hospitals in Lake County: Orlando Health South Lake Hospital in Clermont, AdventHealth Waterman in Tavares, UF Health Leesburg Hospital and The Villages Regional Hospital in The Villages. AdventHealth Waterman and The Villages Regional Hospital hold CMS overall ratings of 4 of 5 stars, and the other two hold 3 stars. LifeStream Behavioral Center in Leesburg provides inpatient psychiatric care.
The county also has two inpatient rehabilitation hospitals, in Clermont and Tavares, and a rehabilitation unit at AdventHealth Waterman for patients who need intensive therapy after a hospital stay.
Show all 5 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| AdventHealth Waterman | Acute care | 1000 Waterman Way, Tavares, FL 32778 | (352) 253-3368 | 4 of 5 stars | Care Compare | Directions |
| Orlando Health South Lake Hospital | Acute care | 1900 Don Wickham Dr, Clermont, FL 34711 | (352) 394-4071 | 3 of 5 stars | Care Compare | Directions |
| The Villages Regional Hospital | Acute care | 1451 El Camino Real, The Villages, FL 32159 | (352) 751-8000 | 4 of 5 stars | Care Compare | Directions |
| UF Health Leesburg Hospital | Acute care | 600 E Dixie Ave, Leesburg, FL 34748 | (352) 323-5762 | 3 of 5 stars | Care Compare | Directions |
| LifeStream Behavioral Center | Psychiatric | 2020 Tally Rd, Leesburg, FL 34748 | (352) 315-7800 | Not rated | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
Show 3 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Clermont | Inpatient rehabilitation | 2901 Sr 50, Clermont, FL 34711 | Care Compare | Directions |
| PAM Health Rehabilitation Hospital of Tavares | Inpatient rehabilitation | 1730 Mayo Dr, Tavares, FL 32778 | Care Compare | Directions |
| AdventHealth Waterman Rehabilitation Unit | Inpatient rehabilitation | 1000 Waterman Way, Tavares, FL 32778 | 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 Lake County
The map shows Lake County’s hospitals, rehabilitation hospitals, nursing homes and hospice offices. 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 Lake County
CMS lists 17 Medicare-certified nursing homes in Lake County with about 1,780 certified beds. Ratings range from 1 to 5 stars. Bayview Center in Eustis, Skytop View Rehabilitation Center in Clermont and Solaris HealthCare Waterman in Tavares hold 5 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 17 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Avante at Leesburg | 2000 Edgewood Ave, Leesburg, FL 34748 | (352) 787-3545 | 116 | 2 of 5 | Care Compare | Directions |
| Avante at Mount Dora | 3050 Brown Ave, Mount Dora, FL 32757 | (352) 383-4161 | 116 | 3 of 5 | Care Compare | Directions |
| Bayview Center | 301 S Bay St, Eustis, FL 32726 | (352) 357-8105 | 120 | 5 of 5 | Care Compare | Directions |
| Clermont Health and Rehabilitation Center | 151 E Minnehaha Ave, Clermont, FL 34711 | (352) 394-2188 | 182 | 4 of 5 | Care Compare | Directions |
| Edgewater at Waterman Village | 300 Brookfield Ave, Mount Dora, FL 32757 | (352) 383-0051 | 120 | 4 of 5 | Care Compare | Directions |
| Freedom Pointe Health Center | 1460 El Camino Real Drive, The Villages, FL 32159 | (352) 750-0866 | 72 | 4 of 5 | Care Compare | Directions |
| Lady Lake Specialty Care Center and Rehab | 630 Griffin Avenue, Lady Lake, FL 32159 | (352) 750-6619 | 145 | 1 of 5 | Care Compare | Directions |
| Lake Eustis Healthcare and Rehabilitation Center | 411 W Woodward Ave, Eustis, FL 32726 | (352) 357-3565 | 90 | 2 of 5 | Care Compare | Directions |
| Lake Port Square Health Center | 701 Lake Port Blvd, Leesburg, FL 34748 | (352) 728-3366 | 80 | 3 of 5 | Care Compare | Directions |
| Lakes of Clermont Health and Rehabilitation Center | 1775 Hooks Street, Clermont, FL 34711 | (352) 717-7980 | 80 | 4 of 5 | Care Compare | Directions |
| Lakeview Terrace Rehab and Health Care Center | 110 Lodge Terrace Dr, Altoona, FL 32702 | (352) 669-2133 | 40 | 2 of 5 | Care Compare | Directions |
| North Campus Rehabilitation and Nursing Center | 700 N Palmetto St, Leesburg, FL 34748 | (352) 323-5500 | 90 | 4 of 5 | Care Compare | Directions |
| Ruleme Center | 2810 Ruleme St, Eustis, FL 32726 | (352) 357-1990 | 138 | 4 of 5 | Care Compare | Directions |
| Skytop View Rehabilitation Center | 2145 North Don Wickham Drive, Clermont, FL 34711 | (352) 241-7104 | 30 | 5 of 5 | Care Compare | Directions |
| Solaris HealthCare Waterman | 4501 Waterman Way, Tavares, FL 32778 | (352) 609-4000 | 120 | 5 of 5 | Care Compare | Directions |
| South Campus Care Center and Rehab | 715 E Dixie Ave, Leesburg, FL 34748 | (352) 728-3020 | 120 | 3 of 5 | Care Compare | Directions |
| The Villages Healthcare and Rehabilitation Center | 900 Highway 466, Lady Lake, FL 32159 | (352) 430-0017 | 120 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Lake Port Square Health Center, Edgewater at Waterman Village, Lakeview Terrace and Freedom Pointe Health Center are inside continuing care retirement communities and may limit admission to their own residents. Care Compare explains the details.
Home Health, Hospice and Dialysis in Lake County
- Home health: CMS lists 27 Medicare-certified home health agencies with offices in Lake County. Agencies serve areas rather than single addresses, so search by your ZIP code on Medicare Care Compare to see which ones serve your home, with their ratings.
- Hospice: Three Medicare-certified hospice agencies are based in Lake County: Hospice of Lake and Sumter in Tavares, (352) 343-1341 (Care Compare); Compassionate Care Hospice of Lake and Sumter in The Villages, (352) 415-0778 (Care Compare) and Arc Hospice of Florida in Leesburg (Care Compare). Medicare Part A covers hospice care, and most Medicare Supplement plans pay the hospice coinsurance.
- Dialysis: CMS lists 13 dialysis facilities in Lake County, in Clermont, Leesburg, Lady Lake, Tavares and Groveland. 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 Lake County
These public and nonprofit resources help Lake 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 Lake County | Public health services, vaccinations and clinic locations | Mailing address: P.O. Box 1305, Tavares, FL 32778 (352) 589-6424 lake.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 |
Lake County Medicare FAQs
How many people in Lake County use Original Medicare?
CMS counts 127,726 people with Medicare in Lake County as of June 2026. Of them, 54,578 (42.7%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 73,148 are in Medicare Advantage or other health plans.
What would a hospital stay at AdventHealth Waterman 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 a Medicare Supplement plan work at hospitals in Orlando?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Lake County, Orlando or anywhere else. There are no networks or referrals.
Should Lake 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 summers up north?
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 Lake County?
CMS lists four general hospitals: Orlando Health South Lake Hospital in Clermont, AdventHealth Waterman in Tavares, UF Health Leesburg Hospital and The Villages Regional Hospital. The county also has two inpatient rehabilitation hospitals and LifeStream Behavioral Center, a psychiatric hospital.
Where can I get free Medicare counseling in Lake County?
SHINE offers free, unbiased Medicare counseling through Elder Options, the Mid-Florida Area Agency on Aging. Call 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: Lake 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.
- Florida Department of Health in Lake County. Contact Us. 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 Lake County
Plan benefits are the same from every carrier, but premiums in Lake 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 Lake County
Medicare Supplement plans work the same way in every Lake 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 Fruitland Park
A small lakefront city in northern Lake County with a large retirement population. About 8,740 people live in Fruitland Park, and about 3,114 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 UF Health Leesburg Hospital in Leesburg, about 5 miles away in a straight line.
Medicare Supplement Plans in Mascotte
A small, affordable city in southwest Lake County. About 7,949 people live in Mascotte, and about 375 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 Orlando Health South Lake Hospital in Clermont, about 12 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 Lake County
I help people with Medicare Supplement plans in every city, town and community in Lake County, including these with their own local pages.
- Astatula
- Astor
- Ferndale
- Fruitland Park
- Howey-in-the-Hills
- Lake Kathryn
- Lake Mack-Forest Hills
- Lisbon
- Mascotte
- Montverde
- Mount Plymouth
- Okahumpka
- Paisley
- Pine Lakes
- Pittman
- Silver Lake
- Umatilla
- Yalaha
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