Medicare Supplement Plans and Medicare Resources in Lee County, Florida
What Medicare Supplement plans pay in Lee County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Lee County, Florida
Lee County, on Florida’s Southwest Gulf Coast, has five Medicare-certified hospitals, two inpatient rehabilitation hospitals, a long-term care hospital and 20 Medicare-certified nursing homes, according to CMS data updated in 2026. About 29% of its roughly 876,000 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.
Lee County at a Glance
| County seat | Fort Myers |
|---|---|
| Largest city | Cape Coral |
| Incorporated cities, towns and village | Bonita Springs, Cape Coral, Estero, Fort Myers, Fort Myers Beach and Sanibel |
| Population | 875,607 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 29.2% |
| People with Medicare | 226,228 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 112,788 (49.9%) |
| In Medicare Advantage or other health plans | 113,440 (50.1%) |
| Medicare-certified hospitals | 5, plus 2 inpatient rehabilitation hospitals and 1 long-term care hospital |
| Medicare-certified nursing homes | 20 |
| Medicare-certified dialysis facilities | 20 |
| Medicare-certified home health agencies with offices in the county | More than 40 |
| 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.
Lee County is part of our Southwest Florida Medicare Supplement region, where Lee Health’s hospitals in Fort Myers and Cape Coral also serve residents of neighboring Charlotte, Hendry and Glades counties.
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Free 2026 Medicare Guides
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Medicare Supplement Plans in Lee County
Of the 226,228 people with Medicare in Lee County, 112,788 (49.9%) 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 89,714 Lee County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Lee County Residents
- Seasonal residents: Many Lee County residents spend part of the year in another state. A Medicare Supplement plan works with any provider in the United States that accepts Medicare, so the same coverage follows you north and back.
- Hurricane evacuations: If a storm sends you to stay with family elsewhere, a Medigap plan works with any hospital or doctor there that accepts Medicare. There are no networks or referrals to sort out away from home.
- 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 24,066 Lee 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 Lee 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 Lee Memorial Hospital, Gulf Coast Medical Center, Cape Coral Hospital, HCA Florida Lehigh Hospital or any other Medicare-certified hospital in the county. 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 Lee Memorial Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Lee 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 Lee 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 Hospitals in Lee County
CMS lists five hospitals in Lee County that participate in Medicare. Four are general acute care hospitals with emergency departments, and one is a psychiatric hospital. Some hospital systems report more than one campus under a single Medicare listing, so a campus you know may appear under its parent hospital’s name.
Show all 5 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Lee Memorial Hospital | Acute care | 2776 Cleveland Ave, Fort Myers, FL 33901 | (239) 343-5000 | 5 of 5 stars | Care Compare | Directions |
| Gulf Coast Medical Center | Acute care | 13681 Doctors Way, Fort Myers, FL 33912 | (239) 343-1000 | 4 of 5 stars | Care Compare | Directions |
| Cape Coral Hospital | Acute care | 636 Del Prado Blvd, Cape Coral, FL 33990 | (239) 424-2000 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Lehigh Hospital | Acute care | 1500 Lee Blvd, Lehigh Acres, FL 33936 | (239) 369-2101 | 2 of 5 stars | Care Compare | Directions |
| Park Royal Hospital | Psychiatric | 9241 Park Royal Dr, Fort Myers, FL 33908 | (239) 332-0125 | 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 |
|---|---|---|---|
| Rehabilitation Hospital of Fort Myers | Inpatient rehabilitation | 6150 Medical Park Loop, Fort Myers, FL 33912 | Care Compare | Directions |
| Rehabilitation Hospital of Cape Coral | Inpatient rehabilitation | 1730 NE Pine Island Rd, Cape Coral, FL 33909 | Care Compare | Directions |
| Select Specialty Hospital-Fort Myers | Long-term care hospital | 3050 Champion Ring Road, Fort Myers, FL 33905 | Care Compare | Directions |
Ratings are CMS overall hospital star ratings from the Hospital General Information dataset released August 2026. A rating is one measure of quality; Care Compare shows the details behind it.
Map of Medicare-Certified Facilities in Lee County
The map shows Lee County’s Medicare-certified hospitals, rehabilitation and long-term care hospitals, nursing homes and its hospice office. Select a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Lee County
CMS lists 20 Medicare-certified nursing homes in Lee County. 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 20 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ambassador Healthcare at College Park | 13755 Golf Club Pkwy, Fort Myers 33919 | (239) 482-2848 | 107 | 1 of 5 | Care Compare | Directions |
| Aspire at Evans | 3735 Evans Ave, Fort Myers 33901 | (239) 277-3977 | 120 | 1 of 5 | Care Compare | Directions |
| Aviata at North Fort Myers | 991 Pondella Rd, North Fort Myers 33903 | (239) 995-8809 | 120 | 3 of 5 | Care Compare | Directions |
| Aviata at Santa Barbara | 216 Santa Barbara Blvd, Cape Coral 33991 | (239) 772-4600 | 120 | 2 of 5 | Care Compare | Directions |
| Cedarbrook Health and Rehabilitation Center | 1600 Matthew Drive, Fort Myers 33907 | (239) 275-6067 | 120 | 3 of 5 | Care Compare | Directions |
| EagleRidge Health and Rehabilitation Center | 13881 Eagle Ridge Drive, Fort Myers 33912 | (239) 561-7700 | 120 | 3 of 5 | Care Compare | Directions |
| Fort Myers Rehabilitation and Nursing Center | 7173 Cypress Drive SW, Fort Myers 33907 | (239) 936-0203 | 120 | 2 of 5 | Care Compare | Directions |
| Gulf Coast Medical Center Skilled Nursing Unit | 13960 Plantation Road, Fort Myers 33912 | (239) 343-1705 | 75 | 5 of 5 | Care Compare | Directions |
| Gulf Coast Village | 1333 Santa Barbara Blvd, Cape Coral 33991 | (239) 772-1333 | 85 | Not rated | Care Compare | Directions |
| HealthPark Care Center | 16131 Roserush Court, Fort Myers 33908 | (239) 433-7344 | 112 | 5 of 5 | Care Compare | Directions |
| Larsen Health Center | 13880 Shell Point Plaza, Fort Myers 33908 | (239) 466-1111 | 180 | 4 of 5 | Care Compare | Directions |
| Lee Memorial Hospital Skilled Nursing Unit | 2776 Cleveland Avenue, Fort Myers 33901 | (239) 343-3390 | 18 | 5 of 5 | Care Compare | Directions |
| Lehigh Acres Healthcare & Rehab Center | 1550 Lee Boulevard, Lehigh Acres 33936 | (239) 369-2194 | 128 | 2 of 5 | Care Compare | Directions |
| Life Care Center of Estero | 3850 Williams Road, Estero 33928 | (239) 495-4000 | 155 | 5 of 5 | Care Compare | Directions |
| Page Rehabilitation and Healthcare Center | 2310 N Airport Road, Fort Myers 33907 | (239) 931-8401 | 180 | 2 of 5 | Care Compare | Directions |
| Rehab & Healthcare Center of Cape Coral | 2629 Del Prado Blvd, Cape Coral 33904 | (239) 574-4434 | 118 | 1 of 5 | Care Compare | Directions |
| Renaissance at The Terraces | 26475 South Tamiami Trail, Bonita Springs 34135 | (239) 949-7555 | 40 | 5 of 5 | Care Compare | Directions |
| The Lodge at Cypress Cove | 10500 Cypress Cove Dr, Fort Myers 33908 | (239) 415-5100 | 64 | 5 of 5 | Care Compare | Directions |
| The Preserve | 14750 Hope Center Loop, Fort Myers 33912 | (239) 574-0078 | 75 | 5 of 5 | Care Compare | Directions |
| Winkler Court | 3250 Winkler Avenue Extension, Fort Myers 33916 | (239) 939-4993 | 120 | 2 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 Lee County
- Home health: More than 40 Medicare-certified home health agencies have offices in Lee 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: Hope Hospice and Community Services is based in Fort Myers at 9470 HealthPark Circle, (800) 835-1673 (Care Compare). Other hospice agencies may also serve the county.
- Dialysis: CMS lists 20 Medicare-certified dialysis facilities in Lee County, in Fort Myers, North Fort Myers, Cape Coral, Lehigh Acres and Bonita Springs. Search dialysis facilities on Care Compare for 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 Lee County
These public and nonprofit resources help Lee 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 the Area Agency on Aging for Southwest Florida | 2830 Winkler Ave, Suite 112, Fort Myers, FL 33916 (239) 652-6900 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Lee County | Public health services, vaccinations and clinic locations | 3920 Michigan Ave, Fort Myers, FL 33916 (239) 332-9501 lee.floridahealth.gov |
| Lee County Human & Veteran Services | County financial assistance programs and help for veterans | 2440 Thompson Street, Fort Myers, FL 33901 (239) 533-7900 |
| 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 |
Lee County Medicare FAQs
How many people in Lee County use Original Medicare?
CMS counts 226,228 people with Medicare in Lee County as of June 2026. Of them, 112,788 (49.9%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 113,440 are in Medicare Advantage or other health plans.
What would a hospital stay at Lee 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 my Medicare Supplement plan work if I spend part of the year outside Florida?
Yes. A Medicare Supplement plan works with providers anywhere in the United States that accept Medicare, which helps seasonal residents who split time between Lee County and another state.
Should Lee 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.
Where can I get free Medicare counseling in Lee County?
SHINE offers free, unbiased Medicare counseling through the Area Agency on Aging for Southwest Florida at 2830 Winkler Ave, Suite 112, Fort Myers. Call (239) 652-6900 or 1-800-963-5337.
How many Medicare-certified hospitals are in Lee County?
CMS lists five Medicare-certified hospitals in Lee County: Lee Memorial Hospital, Gulf Coast Medical Center, Cape Coral Hospital, HCA Florida Lehigh Hospital and Park Royal Hospital. The county also has two inpatient rehabilitation hospitals and one long-term care hospital.
How many Medicare-certified nursing homes are in Lee County?
CMS lists 20 Medicare-certified nursing homes in Lee County as of its October 2026 data, located in Fort Myers, Cape Coral, North Fort Myers, Lehigh Acres, Estero and Bonita Springs.
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, September 23). Long-Term Care Hospital 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: Lee 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.
- Area Agency on Aging for Southwest Florida. Area Agency on Aging for Southwest Florida. 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 Lee County
Plan benefits are the same from every carrier, but premiums in Lee 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 Lee County
I help people with Medicare Supplement plans in every city, town and community in Lee County, including these with their own local pages.
- Alva
- Bokeelia
- Buckingham
- Burnt Store Marina
- Captiva
- Cypress Lake
- Fort Myers Beach
- Fort Myers Shores
- Gateway
- Harlem Heights
- Iona
- Matlacha
- Olga
- Pineland
- St. James City
- San Carlos Park
- Sanibel
- Suncoast Estates
- Three Oaks
- Tice
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Disclaimer:
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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