Searching for The Best Medicare Supplement Plans Available In Hobe Sound, Florida?
Tailored Medigap Plan quotes for Martin County seniors. Get personalized coverage today.
Why Medicare Supplements Matter Here in Hobe Sound: Your Guide to Coverage
Finding the Right Medigap Coverage for Your Hobe Sound Retirement
Choosing a Medicare Supplement plan doesn’t have to be complicated. Whether you’re already enjoying retirement in Hobe Sound or turning 65 soon, we help residents across Martin County find Medigap coverage that fits their health needs and budget. From covering those gaps in Original Medicare to protecting you from unexpected medical bills, the right plan makes all the difference in your peace of mind. Click Here To Compare All Plans
Hobe Sound Senior Demographics & Lifestyle
According to U.S. Census data, Hobe Sound has an established and nature-focused senior community:
- Population: Approximately 12,000
- Residents 65+: About 30%
- Median age: 54 years
- Median household income: $68,000
- Home ownership rate: 80%
- Affordability: Mid-to-upper range pricing; excellent value for pristine natural setting
Many Hobe Sound retirees enjoy:
- Pristine Natural Beauty: Hobe Sound National Wildlife Refuge, Jonathan Dickinson State Park—unspoiled Florida environment
- Beach Paradise: Hobe Sound Beach, one of Florida’s most beautiful and uncrowded Atlantic beaches
- Environmental Conservation: Strong commitment to preserving natural Florida—limited development, protected lands
- Waterfront Living: Intracoastal Waterway access, canal communities, boating lifestyle
- Sea Turtle Nesting: Major sea turtle nesting area—witnessing nature’s wonders
- Outdoor Recreation: Kayaking, paddleboarding, hiking, biking, fishing, wildlife viewing
- Golf Communities: Lost Lake Golf Club, Jonathan’s Landing (Jupiter border)
- Small-Town Character: Quiet, low-key atmosphere without commercialization
- Bridge to Jupiter Island: Gateway to one of America’s wealthiest communities (though Hobe Sound itself is accessible)
- Quality Schools: Attracts multi-generational retirees with excellent public schools
- Local Shopping & Dining: Hobe Sound Plaza, local restaurants, farmers market
- Arts & Culture: Hobe Sound Community Theatre, local art galleries
- Proximity to Stuart: 15 minutes north to Stuart’s downtown and hospitals
- Nature-Focused Lifestyle: Residents value environmental preservation and outdoor living
- Community Spirit: Active civic organizations, environmental groups, neighborhood associations
Hobe Sound attracts environmentally-conscious, nature-loving retirees seeking pristine beaches, protected natural areas, outdoor recreation, and a low-key lifestyle away from overdevelopment. The combination of stunning natural beauty, uncrowded beaches, small-town character, and proximity to Stuart’s amenities makes it ideal for retirees who prioritize nature and tranquility.
What's the process?
We’re easy to reach. Most use our form. This allows us to call you at the time of your convenience. We’ll ask about your Part B date, current coverage (if any), budget guardrails.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We shop carriers and identify underwriting flags (if any), Once we’ve identified several, we’ll contact you to set up the best time to go over our findings.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan (G, N, or fit) for your ZIP and budget
Application concierge (e-app done right, the first time)
Annual rate-check so you don’t overpay next renewal
- Same day quotes
- Apples-to-apples
- 24-hour response
What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do They Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup, so you’re not left with big bills.
Fast Facts (Save Yourself Headaches)
- Medigap ≠ Advantage. Medigap works with Original Medicare; no networks, no referrals.
- Price is by ZIP/age/tobacco/household. Same benefits → different carrier rates.
- Timing matters. Your Part B date and Guaranteed Issue windows change underwriting.
- Doctor freedom. Any provider accepting Medicare. Traveling? You’re still covered.
Medigap vs. Advantage
- Medigap (We place it): higher premium, lower unpredictable costs, nationwide access, no network drama.
- Advantage (We don’t market it): lower premium, networks, authorizations, plan rules.
You want clarity, predictability, and freedom → Medigap usually wins.
What Drives Your Rate?
- ZIP code • Age (and birthday timing) • Tobacco status • Household discount • Carrier rate history
Why Florida Seniors Choose Medicare Supplements Only?
Nearly 30 Years of Experience
Chuck Lunsford has helped Florida residents navigate Medicare Supplement decisions since 1994. Licensed FL agent #A169316 with deep expertise across every Florida community—from Miami to the Panhandle.
Comprehensive Florida Coverage
We serve seniors in 50+ Florida communities with deep understanding of local healthcare landscapes and hospital access. Whether you’re in a bustling city or quiet rural town, we know your area’s unique challenges.
No-Pressure, Independent Guidance
We compare plans from multiple top-rated carriers to find the best value for YOUR situation—never locked into one company. Our educational approach means you make informed decisions at your own pace, with ongoing support after enrollment.
Which Plans Can You Choose in Hobe Sound?
Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.
The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans
What to Bring to the Call
Medicare ID (red/white/blue card) • Part B start month/year • Med list (optional) • Must-have doctors/hospitals • Current coverage (if any)
What You Get
- Right-sized Medigap plan (G, N, or fit) for your city and your budget
- Same-day quotes
- Application concierge (clean e-app, first time)
- Annual rate-check so you don’t overpay
Hobe Sound-Specific Notes
Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.
Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.
Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.
What’s The Next Step?
If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.
Why Hobe Sound Residents Need Medicare Supplement Coverage
Hobe Sound residents face healthcare challenges that make Medicare Supplement coverage especially important:
No Local Hospital: Hobe Sound has NO hospital. All hospital care requires driving to Stuart (25 minutes) for Cleveland Clinic Martin Health, or to West Palm Beach (30 minutes) for comprehensive tertiary care. Emergency transport costs can be significant without proper coverage.
Moderate Income Reality: With a median household income of $62,000, moderate for Treasure Coast, most Hobe Sound residents live on Social Security and moderate pensions. One hospitalization requiring Stuart or West Palm Beach transfer could cost $5,000-$15,000 without Medigap, a significant burden for residents on moderate fixed incomes. For those who’ve chosen Hobe Sound for moderate Treasure Coast coastal living, one serious medical event without coverage can threaten financial security.
Distance to Hospital Care: All hospital care requires leaving Hobe Sound. Routine hospital care means Stuart (25 minutes). Tertiary care means West Palm Beach (30 minutes). The reasonable proximity makes healthcare access practical. Comprehensive Medigap coverage ensures financial barriers don’t prevent accessing necessary care.
Plan N: The Practical Choice for Hobe Sound: For Hobe Sound’s budget realities, Plan N typically offers the best value, saving $35-50 monthly compared to Plan G while providing essential protection. That $420-600 annual savings matters on a $62,000 median income. With Plan N, you pay small copays ($20 office visits, $50 ER visits waived if admitted), but the monthly savings often outweigh these occasional costs. For residents on moderate fixed incomes in a community where 32% are seniors, Plan N provides crucial protection without overwhelming the budget. The proximity to Cleveland Clinic Martin Health (25 minutes) makes healthcare access practical, and Plan N protects you from financial catastrophe when that care becomes necessary.
About Hobe Sound: Community Snapshot for Seniors
Hobe Sound is an unincorporated community of approximately 12,000 residents in Martin County on Florida’s Treasure Coast. Located adjacent to Jupiter Island and the Atlantic Ocean, Hobe Sound offers moderate coastal living, a high senior population, and authentic Treasure Coast character.
According to U.S. Census data, about 32% of Hobe Sound residents are 65 or older (high senior percentage), with a median household income of $62,000 and a homeownership rate of 74% (very high). The demographic reflects coastal retirees on moderate fixed incomes, professionals, working families, and people seeking affordable Treasure Coast character near Jupiter Island. The economy centers on retail, services, hospitality, and residential living, creating a stable coastal economy with a strong senior presence.
Hobe Sound’s defining advantage is moderate Treasure Coast coastal living with a high senior population, Jupiter Island adjacency, and pristine beaches at reasonable costs. The very high homeownership rate (74%) indicates exceptional community stability. The Jupiter Island proximity provides access to exclusive beaches and natural preserves. Yet Hobe Sound maintains costs well below Jupiter Island and Palm Beach County.
The cost of living is moderate for Treasure Coast. Home prices typically range from $250,000-$450,000 for modest homes, with waterfront properties commanding premiums. The 74% homeownership rate (very high) indicates remarkable community stability with many longtime residents. For retirees with moderate to good retirement incomes, Hobe Sound makes Treasure Coast living possible at prices below Palm Beach County. This is affordable coastal retirement near exclusive areas.
The high senior population (32%) creates an established retiree community. With nearly one-third of residents 65 or older, Hobe Sound has a strong senior presence creating coastal-oriented social opportunities, activities, and community networks. The high percentage signals a coastal community that attracts and retains retirees.
The very high homeownership rate (74%) reflects exceptional stability. Among Florida’s higher homeownership rates, this indicates an established community with many longtime residents. The stability creates strong neighborhoods and permanence.
The Jupiter Island adjacency creates a unique advantage. Being adjacent to Jupiter Island (one of America’s wealthiest communities) provides access to pristine beaches, Blowing Rocks Preserve, and Hobe Sound National Wildlife Refuge on the barrier island without Jupiter Island’s multi-million dollar real estate costs. The proximity enables enjoying exclusive natural areas at moderate costs.
The Atlantic Ocean beaches provide a coastal lifestyle. Beautiful Treasure Coast beaches including those on Jupiter Island provide regular ocean access. The beaches are less crowded than Palm Beach County beaches. The beach proximity enables daily coastal lifestyle.
The Jonathan Dickinson State Park creates exceptional natural resource. The adjacent state park provides wilderness hiking, kayaking, camping, and natural beauty. The park enhances quality of life with extensive outdoor recreation opportunities. The Loxahatchee River runs through the park providing scenic water access.
The Hobe Sound National Wildlife Refuge protects critical sea turtle nesting habitat on the barrier island. The refuge preserves pristine beach and provides nature observation opportunities. Environmental protection maintains natural character.
The Blowing Rocks Preserve (The Nature Conservancy) on Jupiter Island provides unique limestone outcropping where waves create dramatic water shows. The preserve is a natural attraction enhancing the area’s environmental appeal.
The small-town coastal character maintains authentic appeal. With 12,000 residents, Hobe Sound maintains manageable scale and community bonds. The Old Florida coastal atmosphere creates authenticity. The character distinguishes Hobe Sound from resort development.
The strategic location provides excellent access. Stuart (25 minutes north) provides Cleveland Clinic Martin Health hospital and county seat services. West Palm Beach (30 minutes south) provides urban resources and comprehensive tertiary healthcare. The position provides practical access while maintaining coastal character.
The natural beauty surrounds residents. Pristine Treasure Coast beaches, Jonathan Dickinson State Park wilderness, Hobe Sound National Wildlife Refuge, and preserved natural areas create constant connection to natural Florida. The environmental quality distinguishes Hobe Sound from more developed areas.
Healthcare access requires understanding Hobe Sound’s position. There is NO hospital in Hobe Sound. For ALL hospital care, emergency services, and most medical needs, residents travel to Cleveland Clinic Martin Health in Stuart (25 minutes). For complex tertiary care, West Palm Beach (30 minutes) provides Cleveland Clinic Main Campus, Good Samaritan Medical Center, St. Mary’s Medical Center, and other excellent facilities. The 25-30 minute proximity to comprehensive healthcare is reasonable for coastal living. Having comprehensive Medigap coverage is essential to protect against costs when accessing Stuart or West Palm Beach healthcare.
The relationship with Stuart (25 minutes) provides hospital and county services. Stuart offers Cleveland Clinic Martin Health and county seat resources. Hobe Sound provides moderate coastal living near Jupiter Island.
The relationship with West Palm Beach (30 minutes) provides urban and tertiary healthcare access. West Palm Beach offers comprehensive tertiary medical centers, major shopping, and metropolitan amenities. The reasonable distance makes urban resources accessible.
The natural surroundings provide daily appeal. Living near pristine beaches, Jonathan Dickinson State Park, and protected natural areas creates a lifestyle connected to nature. The environmental experiences define coastal living.
The cost of living extends beyond housing. Dining, services, and coastal amenities cost less than Palm Beach County but remain moderate for coastal Florida. Many residents live comfortably on moderate fixed incomes within an established coastal senior community.
The safety and security are good for a coastal community. Crime rates are reasonable, the established senior community creates security awareness, and the coastal character enhances safety.
The seasonal character is moderate. Treasure Coast has mild winters attracting seasonal residents. Summers are warm and humid with afternoon storms. Year-round coastal living is comfortable with seasonal preferences.
Retirees are drawn to Hobe Sound for specific compelling reasons: moderate Treasure Coast coastal living near Jupiter Island, high senior population (32%) creating an established coastal retiree community, very high homeownership (74%) indicating exceptional stability, 25 minutes to Cleveland Clinic Martin Health in Stuart for hospital access, 30 minutes to West Palm Beach for tertiary care and urban resources, adjacent to Jupiter Island exclusive beaches and preserves, Atlantic Ocean beaches and Treasure Coast character, Jonathan Dickinson State Park for wilderness recreation, Hobe Sound National Wildlife Refuge and Blowing Rocks Preserve for nature experiences, safe coastal environment, moderate pricing below Palm Beach County, and authentic Old Florida coastal character.
For coastal retirees with moderate incomes seeking Treasure Coast living with a high senior population, Jupiter Island adjacency, pristine beaches, exceptional stability, and reasonable healthcare access, Hobe Sound provides excellent coastal retirement value. This is authentic affordable Treasure Coast retirement for people who prioritize a coastal lifestyle, an established retiree community, natural beauty, and traditional coastal character at moderate costs near exclusive areas.
Healthcare Access in Hobe Sound, Florida
Hobe Sound residents access healthcare through facilities in Stuart and West Palm Beach:
No Hospital in Hobe Sound
Nearby Major Medical Facilities:
- Cleveland Clinic Martin North Hospital
Located at 200 SE Hospital Ave, Stuart, FL 34994, this hospital is just 1 mile from downtown Stuart, about a 3-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - Cleveland Clinic Martin South Hospital
Found at 2100 SE Salerno Rd, Stuart, FL 34997, this facility is about 5 miles from Stuart, a 10-minute drive. It provides comprehensive care, including oncology and orthopedics, and accepts Medicare Assignment. - St. Lucie Medical Center
Located at 1800 SE Tiffany Ave, Port St. Lucie, FL 34952, this hospital is about 15 miles from Stuart, a 25-minute drive. It offers surgical and specialty care, and accepts Medicare Assignment. - Cleveland Clinic Tradition Hospital
Found at 10000 SW Innovation Way, Port St. Lucie, FL 34987, this facility is about 18 miles from Stuart, a 28-minute drive. It provides emergency and specialty care, and accepts Medicare Assignment. - Jupiter Medical Center
Located at 1210 S Old Dixie Hwy, Jupiter, FL 33458, this hospital is approximately 20 miles from Stuart, a 30-minute drive. It offers advanced surgical and cardiac care, and accepts Medicare Assignment. - HCA Florida Palms West Hospital
Found at 13001 Southern Blvd, Loxahatchee, FL 33470, this facility is about 30 miles from Stuart, a 40-minute drive. It provides emergency and specialty services, and accepts Medicare Assignment.
Local Medical Services:
- Hobe Sound area primary care practices – Local physicians serving the community
- Cleveland Clinic urgent care – Nearby locations in Stuart
- Jupiter urgent care facilities – Multiple locations
- Specialty practices – Available locally and in nearby Stuart and Jupiter
Healthcare Reality:
Hobe Sound’s healthcare situation is good for a coastal community. While there’s NO hospital in Hobe Sound, Cleveland Clinic Martin Health (25 minutes in Stuart) provides emergency care, routine hospital care, and surgical services. For complex tertiary care, West Palm Beach (30 minutes) provides multiple excellent tertiary centers including Cleveland Clinic Main Campus. Having hospital care 25 minutes away plus tertiary care 30 minutes away creates reasonable coastal healthcare access.
Having comprehensive Medicare Supplement coverage is ESSENTIAL for Hobe Sound residents because:
- NO local hospital in community
- All hospital care requires a 25-minute drive to Stuart
- Emergency transport from coastal location can be expensive
- Without Medigap, one hospitalization could cost $5,000-$15,000+, a significant burden for residents on a $62,000 median income
- Coastal living requires comprehensive Medigap for accessing healthcare without financial barriers
Pharmacies:
- CVS Pharmacy – 8944 SE Bridge Road, Hobe Sound
- Walgreens – Nearby Stuart and Jupiter locations
- Publix Pharmacy – 11650 SE Federal Highway, Hobe Sound
- Winn-Dixie Pharmacy – Local option
Medicare-Accepting Doctors Serving Hobe Sound Residents
Primary Care Physicians:
- Hobe Sound Family Medicine – 8944 SE Bridge Road, Suite 3, Hobe Sound, FL 33455
- Cleveland Clinic Martin Health Primary Care – Multiple Stuart locations (15 minutes north)
- Jupiter Medical Center Physicians – Multiple Jupiter locations (10 minutes south)
- Coastal Medicine & Wellness – Serving Martin County including Hobe Sound
- Martin Health Physicians Group – Comprehensive network
Cardiology:
- Cleveland Clinic Martin Health Cardiology – Stuart locations
- Jupiter Medical Center Cardiology – 1335 West Indiantown Road, Jupiter, FL 33458
- Treasure Coast Cardiology – Martin County offices
- South Florida Heart Specialists – Jupiter offices
Orthopedics:
- Cleveland Clinic Martin Health Orthopedics – Stuart locations
- Jupiter Medical Center Orthopedics – Multiple Jupiter offices
- Orthopedic Center of Florida – Martin County locations
- Tenet Florida Orthopedics – Serving the area
Internal Medicine & Geriatrics:
- Cleveland Clinic Martin Health Internal Medicine – Stuart offices
- Jupiter Internal Medicine – Multiple practices
- Geriatric specialists – Available in Stuart and Jupiter
Specialty Care (Stuart and Jupiter, 10-15 minutes):
- Oncology – Cleveland Clinic Cancer Center (Stuart), Jupiter Medical Center Cancer Institute
- Neurology – Multiple specialists in Stuart and Jupiter
- Gastroenterology – GI specialists throughout the area
- Pulmonology – Lung disease specialists
- Endocrinology – Diabetes and hormone specialists
- Rheumatology – Arthritis specialists
- Nephrology – Kidney specialists
- Urology – Multiple urologists
- Dermatology – Extensive skin care specialists
- Ophthalmology – Eye care specialists including retina specialists
- ENT – Ear, nose, throat specialists
- Podiatry – Foot and ankle specialists
Note: Always verify Medicare acceptance when scheduling appointments, as provider networks can change.
Medicare-Accepting Medical Facilities Near Hobe Sound
- Cleveland Clinic Martin Health – 200 SE Hospital Avenue, Stuart, FL 34994
- Cleveland Clinic Martin North Hospital – 2100 SE Salerno Road, Stuart, FL 34997
- Jupiter Medical Center – 1210 South Old Dixie Highway, Jupiter, FL 33458
- Cleveland Clinic Tradition Hospital – 10330 SW Innovation Way, Port St. Lucie, FL 34987
- Good Samaritan Medical Center – 1309 North Flagler Drive, West Palm Beach, FL 33401
- St. Mary’s Medical Center – 901 45th Street, West Palm Beach, FL 33407
- Cleveland Clinic Indian River Hospital – 1000 36th Street, Vero Beach, FL 32960
- Multiple urgent care centers – Throughout Martin and northern Palm Beach counties
Driving Distances to Key Facilities
Facility | Location | Distance from Hobe Sound | Drive Time |
Cleveland Clinic Martin Health | Stuart, FL | 23 miles | 25 minutes |
Cleveland Clinic Main Campus | Lake Worth Beach, FL | 25 miles | 30 minutes |
Good Samaritan Medical Center | West Palm Beach, FL | 27 miles | 30 minutes |
St. Mary’s Medical Center | West Palm Beach, FL | 29 miles | 30 minutes |
I use Medicare.gov’s Care Compare and Florida Health Finder to locate Medicare-accepting doctors and hospitals, ensuring affordable care with United American plans.
Local Resources & Next Steps
Martin County Resources for Seniors:
- Martin County Senior Services – 2001 SE Monterey Road, Stuart: Comprehensive programs including meals, fitness classes, social activities: (772) 223-7800
- Council on Aging of Martin County – Support services for seniors: (772) 223-7800
- Florida SHINE (Serving Health Insurance Needs of Elders) – Free, unbiased Medicare counseling: 1-800-963-5337
- Treasure Coast Area Agency on Aging – Elder services and support: (772) 223-7800
Healthcare Resources:
- Cleveland Clinic Martin Health – (772) 287-5200
- Jupiter Medical Center – (561) 747-2234
- Cleveland Clinic Appointments – (772) 223-2273
Community Resources:
- Hobe Sound Public Library – 10595 SE Federal Highway: Programs and resources
- Hobe Sound Chamber of Commerce – Community information and events
- Jonathan Dickinson State Park – 16450 SE Federal Highway: Nature programs and activities
- Hobe Sound National Wildlife Refuge – Environmental education and sea turtle programs
- Hobe Sound Community Theatre – Cultural events and performances
Additional Support:
- Florida Department of Elder Affairs – elderaffairs.org
- Medicare.gov – Official Medicare information and plan finder tool
- Martin County Government – martin.fl.us
- Friends of Hobe Sound National Wildlife Refuge – Conservation and volunteer opportunities
We Offer Expert Guidance to Your Perfect Supplement Plan
We’ll dive into your unique needs, simplify the maze of plan options, and guide you with clear, honest advice. My hands-on approach, backed by thousands of client success stories—ensures you get coverage that fits your life, stress-free.
We analyze your healthcare needs, budget, and preferences to recommend the best Medicare Supplement (Medigap) plans, clarifying coverage gaps like deductibles or copays that Original Medicare doesn’t cover
We simplify the complex enrollment process, ensuring clients meet deadlines, understand eligibility, and avoid penalties, while navigating them through plan options with clear, jargon-free explanations.
We offer continued assistance post-enrollment, helping with claims, plan changes, or unexpected issues, and stay updated on policy shifts to keep clients’ coverage aligned with their evolving needs.
Our Services for Hobe Sound, FL Residents
We specialize in helping Martin County seniors navigate Medicare Supplement options with understanding of this unique community:
✓ Free Plan Comparisons – We’ll show you rates from top-rated carriers available in ZIP codes 33455, 33475
✓ Personalized Recommendations – Your health needs, lifestyle, and values matter; we match you with appropriate coverage
✓ Application Assistance – We handle all paperwork and follow up with insurance carriers on your behalf
✓ Year-Round Support – Questions about claims, coverage, or billing? We’re here whenever you need us
✓ Dual Hospital System Knowledge – We understand access to both Cleveland Clinic Martin Health and Jupiter Medical Center
✓ No-Pressure Guidance – Respectful consultation and education, never pushy sales tactics
✓ Active Outdoor Lifestyle Focus – Coverage supporting your kayaking, hiking, beach walks, and nature activities
✓ Environmental Community Understanding – We appreciate Hobe Sound’s unique character and values
✓ Comprehensive Protection – Most Hobe Sound residents prefer Plan G for complete, hassle-free coverage
✓ Travel Coverage – Perfect for residents who travel or maintain second homes
We’ve helped many Hobe Sound and Martin County residents find Medicare Supplement plans that provide comprehensive protection. Whether you prefer meeting locally, talking by phone, or communicating by email, we work on your schedule with professionalism and respect.
Common Medicare Questions from Hobe Sound Residents
“Do I need a Medigap plan if I already have Original Medicare?” For Hobe Sound residents maintaining active outdoor lifestyles, a Medicare Supplement plan is highly recommended. Original Medicare (Parts A & B) covers basic services but leaves you responsible for deductibles, copays, and coinsurance that can add up significantly. A Medigap plan eliminates these out-of-pocket costs, providing financial security. With excellent healthcare access to Cleveland Clinic Martin Health in Stuart (15 minutes) and Jupiter Medical Center (10 minutes south), you want coverage that works seamlessly at both facilities—whether you’re receiving cardiac care, orthopedic treatment, or specialty services.
“Which plan do most Hobe Sound residents choose—Plan G or Plan N?” Plan G is the most popular choice among Hobe Sound retirees—approximately 70-75% choose it. Plan G offers comprehensive coverage, paying nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Hobe Sound residents appreciate Plan G’s simplicity: no copays at doctor visits, no surprises, just complete protection. Given the active outdoor lifestyle most residents maintain—kayaking, hiking, beach activities—and the importance of quality healthcare access, Plan G provides hassle-free coverage. Plan N costs less monthly but requires copays that can add up if you see doctors frequently. Most find Plan G’s complete coverage worth the additional premium.
“Can I use my Medigap plan at both Cleveland Clinic in Stuart and Jupiter Medical Center?” Absolutely! That’s one of Medicare Supplement plans’ greatest advantages. Your coverage works with any doctor or hospital that accepts Original Medicare—anywhere in the United States. Whether you choose Cleveland Clinic Martin Health in Stuart, Jupiter Medical Center, specialists in either location, or facilities elsewhere when traveling, your coverage works identically. Many Hobe Sound residents appreciate this flexibility—you’re not locked into one hospital system. You can choose based on physician relationships, specific services needed, or convenience.
“We’re environmentally active and love the outdoors—do we need comprehensive coverage?” Actually, yes! Active outdoor lifestyles can lead to unexpected injuries or health issues. Whether it’s a kayaking accident, hiking injury, or just the normal health challenges that come with active aging, you want comprehensive protection. Plan G means no copays when you see doctors, no worries about out-of-pocket costs adding up. Many Hobe Sound residents are surprised how often they end up needing healthcare—preventive care, managing arthritis from active lifestyles, treating injuries. Having Plan G lets you stay active without worrying that healthcare costs will drain your retirement savings.
“When is the best time to enroll in a Medigap plan?” The ideal time is during your Medigap Open Enrollment Period—the 6-month window starting when you’re 65 or older and enrolled in Medicare Part B. During this guaranteed issue period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge higher rates based on your health. This protection is invaluable. Many Hobe Sound residents moving from other states or transitioning from employer coverage enroll during this period to ensure comprehensive protection from day one. Don’t wait—missing this window could mean difficulty getting coverage or significantly higher costs if you have health issues.
Main Cities and Towns In Martin County
Palm City, Stuart, Jupiter Farms, Jensen Beach, Port Salerno, Indiantown, Tequesta, Hutchinson Island South, North River Shores, Sewell’s Point, Limestone Creek, Rio, Jupiter Island
Find Your Plan 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:
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/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 are subject to underwriting and change.
We do not market Advantage plans. Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. Availability varies by area. Services available where licensed.
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