Medicare Supplement Plans in Madison County, Florida: Madison
What Medicare Supplement plans pay in Madison County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Madison County, Florida
Madison County, a rural county on the Georgia line between Tallahassee and Lake City, has one Medicare-certified hospital, Madison County Memorial Hospital, and three Medicare-certified nursing homes, according to CMS data updated in 2026. About 25% of its roughly 19,000 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.
Madison County at a Glance
| County seat | Madison |
|---|---|
| Incorporated places | Madison, Greenville and Lee |
| Population | 18,759 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 24.7% |
| People with Medicare | 5,087 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 2,218 (43.6%) |
| In Medicare Advantage or other health plans | 2,869 (56.4%) |
| Medicare-certified hospitals | 1 critical access hospital with an emergency department |
| Medicare-certified nursing homes | 3 |
| Medicare-certified dialysis facilities | 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.
Madison County is the northwest corner of our North Central Florida Medicare Supplement region, a rural county between the Aucilla and Withlacoochee rivers on the Georgia line. Its small hospital is in the city of Madison, and residents travel to Tallahassee, Lake City or Valdosta, Georgia, for many specialists and more advanced care.
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Medicare Supplement Plans in Madison County
Of the 5,087 people with Medicare in Madison County, 2,218 (43.6%) 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 close to the statewide figure of 42.9%. Another 1,278 Madison County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Madison County Residents
- Care across county and state lines: Many Madison County residents see specialists in Tallahassee, Lake City or Valdosta, Georgia. A Medicare Supplement plan pays the same way in Florida and Georgia, 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 from a small hospital to a larger one.
- 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 1,067 Madison 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 Madison 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 Madison County Memorial Hospital, a hospital in Tallahassee or Lake City 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 Madison County Memorial Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Madison 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 Madison 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.
Medicare-Certified Hospital in Madison County
Madison County Memorial Hospital in Madison is the county’s only hospital. It is a critical access hospital with an emergency department. Critical access hospitals are small rural hospitals, and many are too small to receive a CMS overall star rating, which is the case here. For planned surgery or specialty care, talk with your doctor about which hospital fits your needs.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Madison County Memorial Hospital | Critical access | 224 NW Crane Ave, Madison, FL 32340 | (850) 973-2271 | Not rated | Care Compare | Directions |
Nearest Larger Hospitals Outside Madison County
For specialists and more advanced care, residents usually go west to Tallahassee or east to Lake City. Doctors’ Memorial Hospital in Perry, another critical access hospital, is to the south.
| 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 Lake City Hospital | Columbia | 340 NW Commerce Dr, Lake City, FL 32055 | (386) 719-9000 | 3 of 5 stars | Care Compare | Directions |
| Doctors’ Memorial Hospital | Taylor | 333 N Byron Butler Pkwy, Perry, FL 32347 | (850) 584-0800 | 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 Madison County
The map shows Madison County Memorial Hospital, the county’s nursing homes in Madison and Greenville and its dialysis center, along with nearby hospitals in Tallahassee, Lake City and Perry. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Madison County
CMS lists three Medicare-certified nursing homes in Madison County, two in Madison and one in Greenville. Lake Park of Madison, the largest with 120 certified beds, and Madison Health and Rehabilitation Center each hold a CMS overall rating of 5 of 5 stars, and Greenville Nursing and Rehab Center holds 3 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.
Show all 3 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Greenville Nursing and Rehab Center | 13455 W US Hwy 90, Greenville, FL 32331 | (850) 948-4601 | 51 | 3 of 5 | Care Compare | Directions |
| Lake Park of Madison Nursing and Rehabilitation Center | 259 SW Captain Brown Rd, Madison, FL 32340 | (850) 973-8277 | 120 | 5 of 5 | Care Compare | Directions |
| Madison Health and Rehabilitation Center | 2481 West US 90, Madison, FL 32340 | (850) 973-4880 | 60 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Ratings change, so check Care Compare before you choose.
Home Health, Hospice and Dialysis in Madison County
- Home health: CMS lists no Medicare-certified home health agency with an office in Madison County. Agencies based in neighboring counties may serve your home, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Madison 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 one dialysis facility in Madison County, DaVita Four Freedoms Dialysis at 289 SW Range Ave, Madison, (850) 973-3852. 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 Madison County
These public and nonprofit resources help Madison 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 Madison County | Public health services, vaccinations and clinic services | 218 SW Third Ave, Madison, FL 32340 (850) 973-5000 madison.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 |
Madison County Medicare FAQs
How many people in Madison County use Original Medicare?
CMS counts 5,087 people with Medicare in Madison County as of June 2026. Of them, 2,218 (43.6%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 2,869 are in Medicare Advantage or other health plans.
What would a hospital stay at Madison County 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 Madison County Memorial 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 Madison 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 Valdosta, 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 Madison, Tallahassee, Valdosta or anywhere else. There are no provider networks or state lines to worry about.
Is there a hospital in Madison County?
Yes. Madison County Memorial Hospital in Madison is the county’s only hospital, a critical access hospital with an emergency department. It does not have a CMS overall star rating. The nearest larger hospitals are in Tallahassee and Lake City.
Where can I get free Medicare counseling in Madison 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: Madison 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 Madison 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 Madison County
Plan benefits are the same from every carrier, but premiums in Madison 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 Madison County
Medicare Supplement plans work the same way in every Madison 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 Madison
The Madison County seat, a small historic town with one of the lowest costs of living in North Florida. About 2,967 people live in Madison, and about 351 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 Madison County Memorial Hospital in Madison, about 1 mile 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 Madison County
I help people with Medicare Supplement plans in every city, town and community in Madison County.
- Greenville
- Lee
- Madison
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Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216