Medicare Supplement Plans and Medicare Resources in Monroe County, Florida
What Medicare Supplement plans pay in Monroe County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Monroe County, Florida
Monroe County, the Florida Keys, has three Medicare-certified hospitals, one each in the Lower, Middle and Upper Keys, and two Medicare-certified nursing homes, according to CMS data updated in 2026. About 27% of its roughly 80,000 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.
Monroe County at a Glance
| County seat | Key West |
|---|---|
| Incorporated places | Key West, Marathon, Islamorada, Key Colony Beach and Layton |
| Population | 80,406 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 27.2% |
| People with Medicare | 19,195 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 14,644 (76.3%) |
| In Medicare Advantage or other health plans | 4,551 (23.7%) |
| Medicare-certified hospitals | 1 acute care hospital and 2 critical access hospitals, all with emergency departments |
| Medicare-certified nursing homes | 2 |
| Medicare-certified dialysis facilities | 1 |
| Free Medicare counseling | SHINE through the Alliance for Aging, (305) 670-4357 |
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.
Monroe County, the Florida Keys, is the southern end of our South Florida Medicare Supplement region, strung along the Overseas Highway from Key Largo to Key West. It has three small hospitals spread along the chain, and residents travel to Homestead and Miami for many specialists and more advanced care.
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Medicare Supplement Plans in Monroe County
Of the 19,195 people with Medicare in Monroe County, 14,644 (76.3%) use Original Medicare, according to CMS enrollment data for June 2026. That is the group that can add a Medicare Supplement (Medigap) plan. The share is higher than the statewide figure of 42.9%. Another 10,229 Monroe County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Monroe County Residents
- Care on the mainland: Many Keys residents travel to Homestead or Miami for specialists and surgery. A Medicare Supplement plan pays the same way at any hospital in the United States that accepts Medicare, with no networks to check.
- A large Original Medicare population: CMS counts 14,644 Monroe County residents in Original Medicare, 76.3% of the county’s Medicare population and far above the statewide share of about 43%.
- Ambulance and air transport: Part B covers medically necessary ambulance rides, including air ambulance when ground transport is not appropriate, and you normally pay 20% after the Part B deductible. Plan G and Plan N pay that 20%.
- Medicaid and Medicare Savings Programs: CMS counts 2,085 Monroe 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 Monroe 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 Lower Keys Medical Center, a Miami 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 Lower Keys Medical Center plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Monroe 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 Monroe 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.
Hospitals in Monroe County
CMS lists three hospitals in the Keys, each with an emergency department. Lower Keys Medical Center on Stock Island is the only hospital in the Key West area and holds a CMS overall rating of 4 of 5 stars. Fishermen’s Community Hospital in Marathon and Mariners Hospital in Tavernier are critical access hospitals, small rural hospitals that are often too small to receive a CMS rating. Mariners Hospital holds 5 stars, and Fishermen’s Community Hospital has no rating.
For specialists, surgery and more advanced care, residents usually go to the mainland. Homestead Hospital is the nearest mainland hospital to the Upper Keys, and Miami hospitals are farther north.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Lower Keys Medical Center | Acute care | 5900 College Road, Key West, FL 33040 | (305) 294-5531 | 4 of 5 stars | Care Compare | Directions |
| Fishermen’s Community Hospital | Critical access | 3301 Overseas Hwy, Marathon, FL 33050 | (305) 434-1000 | Not rated | Care Compare | Directions |
| Mariners Hospital | Critical access | 91500 Overseas Highway, Tavernier, FL 33070 | (305) 434-3000 | 5 of 5 stars | Care Compare | Directions |
Nearest Mainland Hospital
Homestead Hospital, part of Baptist Health, is a general hospital with an emergency department on the mainland north of Key Largo.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Homestead Hospital | Miami-Dade | 975 Baptist Way, Homestead, FL 33033 | (786) 243-8000 | 4 of 5 stars | 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 Monroe County
The map shows the three Keys hospitals, the two nursing homes in Key West and Tavernier and the nearest mainland hospital in Homestead. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Monroe County
CMS lists two Medicare-certified nursing homes in Monroe County, each with 120 certified beds: Oasis at the Conch Republic Nursing and Rehab in Key West, with a CMS overall rating of 1 of 5 stars, and Oasis at the Keys Nursing and Rehab in Tavernier, with 2 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 2 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Oasis at the Conch Republic Nursing and Rehab | 5860 W Junior College Rd, Key West, FL 33040 | (305) 296-4888 | 120 | 1 of 5 | Care Compare | Directions |
| Oasis at the Keys Nursing and Rehab | 48 High Point Road, Tavernier, FL 33070 | (305) 853-0799 | 120 | 2 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. With only two nursing homes in the Keys, compare the details on Care Compare and consider mainland options in Miami-Dade County if you need more choices.
Home Health, Hospice and Dialysis in Monroe County
- Home health: CMS lists one Medicare-certified home health agency with an office in Monroe County, Island Home Care in Key West (Care Compare). Agencies based in Miami-Dade County may also serve parts of the Keys, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Monroe County. Agencies based in Miami-Dade County may serve the Keys, 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 Monroe County, Fresenius Kidney Care Key West at 3214 Flagler Ave, Key West, (786) 538-3617. 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 Monroe County
These public and nonprofit resources help Monroe 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 Alliance for Aging, the Area Agency on Aging for Miami-Dade and Monroe counties | 760 NW 107th Ave, Suite 214, Miami, FL 33172 (305) 670-4357 or 1-800-963-5337 allianceforaging.org |
| Florida Department of Health in Monroe County | Public health services, vaccinations and clinics in Marathon and Tavernier | Call to confirm the clinic location nearest you (305) 293-7500 monroe.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 |
Monroe County Medicare FAQs
How many people in Monroe County use Original Medicare?
CMS counts 19,195 people with Medicare in Monroe County as of June 2026. Of them, 14,644 (76.3%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 4,551 are in Medicare Advantage or other health plans.
What would a hospital stay at Lower Keys Medical Center cost me with Plan G?
For a 4-day stay in 2026, Original Medicare alone leaves you with the $1,736 Part A deductible. Plan G pays it, along with your Part B coinsurance, so your only Medicare cost for the year is the $283 Part B deductible. The amounts are the same at every hospital that accepts Medicare.
Will my Medicare Supplement plan cover care in Miami?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in the Keys, Homestead, Miami or anywhere else. There are no networks or referrals.
Should Monroe County residents choose Plan G or Plan N?
Both cover hospital costs in full. Plan N charges up to $20 for some office visits and up to $50 for ER visits that do not lead to an admission, and it does not cover Part B excess charges. If your doctors accept Medicare assignment, excess charges do not apply. Use the calculator on this page with your own quotes to compare.
When should I buy a Medicare Supplement plan?
The best time is usually your six-month Medigap open enrollment period, which starts the month you are 65 or older and enrolled in Part B. During it, carriers cannot deny you or charge more because of your health.
Does Medicare cover an air ambulance from the Keys?
Medicare Part B can cover air ambulance transport when ground transport is not appropriate and the trip is medically necessary. After the $283 Part B deductible you normally pay 20% of the approved amount, and Plan G and Plan N pay that 20%.
How many hospitals are in the Florida Keys?
CMS lists three: Lower Keys Medical Center on Stock Island near Key West, Fishermen’s Community Hospital in Marathon and Mariners Hospital in Tavernier. All three have emergency departments. Lower Keys Medical Center holds 4 of 5 stars and Mariners Hospital holds 5 stars.
Where can I get free Medicare counseling in the Keys?
SHINE offers free, unbiased Medicare counseling through the Alliance for Aging, which serves Miami-Dade and Monroe counties. Call (305) 670-4357 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, 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: Monroe 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.
- Alliance for Aging. Alliance for Aging. Accessed October 9, 2026.
- Florida Department of Health in Monroe County. Key West clinic closure notice. Accessed October 9, 2026.
- Medicare.gov. Ambulance services. Accessed October 9, 2026.
- WUSF Health News Florida. Key West’s only hospital seeks a new operator. 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 Monroe County
Plan benefits are the same from every carrier, but premiums in Monroe 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 Monroe County
Medicare Supplement plans work the same way in every Monroe 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 Key Largo
The northernmost of the Florida Keys, known for boating, diving and fishing, with a mix of year-round and seasonal residents. About 13,026 people live in Key Largo, and about 3,513 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 Mariners Hospital in Tavernier, about 11 miles away in a straight line.
Medicare Supplement Plans in Marathon Key
The Middle Keys city between Key Largo and Key West. About 9,914 people live in Marathon Key, and about 2,059 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 Fishermen's Community Hospital in Marathon, about 5 miles away in a straight line.
Medicare Supplement Plans in Tavernier
An Upper Keys community between Key Largo and Islamorada. About 2,413 people live in Tavernier, and about 817 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 Mariners Hospital in Tavernier, about 2 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 Monroe County
I help people with Medicare Supplement plans in every city, town and community in Monroe County, including these with their own local pages.
- Big Coppitt Key
- Big Pine Key
- Cudjoe Key
- Duck Key
- Key Colony Beach
- Key Largo
- Layton
- Marathon Key
- North Key Largo
- Stock Island
- Tavernier
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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