Medicare Supplement Plans and Medicare Resources in Okaloosa County, Florida
What Medicare Supplement plans pay in Okaloosa County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Okaloosa County, Florida
Okaloosa County, on the Emerald Coast between Pensacola and Panama City, has three Medicare-certified general hospitals, a hospital rehabilitation unit and eight Medicare-certified nursing homes, according to CMS data updated in 2026. About 18% of its roughly 222,000 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.
Okaloosa County at a Glance
| County seat | Crestview |
|---|---|
| Incorporated cities and towns | Cinco Bayou, Crestview, Destin, Fort Walton Beach, Laurel Hill, Mary Esther, Niceville, Shalimar and Valparaiso |
| Population | 221,810 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 18.2% |
| People with Medicare | 47,309 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 30,561 (64.6%) |
| In Medicare Advantage or other health plans | 16,748 (35.4%) |
| Medicare-certified hospitals | 3 acute care hospitals with emergency departments |
| Rehabilitation | 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 8 |
| Medicare-certified dialysis facilities | 5 |
| 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.
Okaloosa County is part of our Florida Panhandle Medicare Supplement region, running from Destin and Fort Walton Beach on the Gulf north past Eglin Air Force Base to Crestview and the Alabama line. Its three general hospitals are in Fort Walton Beach, Niceville and Crestview, and Pensacola hospitals are also options for specialty care.
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Medicare Supplement Plans in Okaloosa County
Of the 47,309 people with Medicare in Okaloosa County, 30,561 (64.6%) 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 higher than the statewide figure of 42.9%. Another 12,075 Okaloosa County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Okaloosa County Residents
- Military retirees and TRICARE For Life: Okaloosa County is home to Eglin Air Force Base and Hurlburt Field. TRICARE For Life already acts as a supplement to Medicare for eligible retirees, so compare it with a Medigap plan before buying both.
- A large Original Medicare population: CMS counts 30,561 Okaloosa County residents in Original Medicare, 64.6% of the county’s Medicare population and well above the statewide share of about 43%.
- 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 4,800 Okaloosa 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 Okaloosa 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 HCA Florida Fort Walton-Destin Hospital, HCA Florida Twin Cities 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 HCA Florida Fort Walton-Destin Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Okaloosa 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 Okaloosa 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 Okaloosa County
CMS lists three general hospitals in Okaloosa County, each with an emergency department. HCA Florida Twin Cities Hospital in Niceville holds a CMS overall rating of 5 of 5 stars. HCA Florida Fort Walton-Destin Hospital in Fort Walton Beach and North Okaloosa Medical Center in Crestview hold 3 stars. HCA Florida Fort Walton-Destin Hospital also runs an inpatient rehabilitation unit.
The military hospital at Eglin Air Force Base serves TRICARE beneficiaries and is not listed here.
Show all 3 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Fort Walton-Destin Hospital | Acute care | 1000 Mar-Walt Dr, Fort Walton Beach, FL 32547 | (850) 862-1111 | 3 of 5 stars | Care Compare | Directions |
| HCA Florida Twin Cities Hospital | Acute care | 2190 Hwy 85 N, Niceville, FL 32578 | (850) 678-4131 | 5 of 5 stars | Care Compare | Directions |
| North Okaloosa Medical Center | Acute care | 151 Redstone Ave SE, Crestview, FL 32539 | (850) 689-8100 | 3 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| HCA Florida Fort Walton-Destin Hospital Rehabilitation Unit | Inpatient rehabilitation | 1000 Mar Walt Drive, Fort Walton Beach, FL 32547 | 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.
Map of Medicare-Certified Facilities in Okaloosa County
The map shows Okaloosa County’s hospitals, the rehabilitation unit, nursing homes and dialysis centers in Fort Walton Beach, Destin, Niceville and Crestview. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Okaloosa County
CMS lists eight Medicare-certified nursing homes in Okaloosa County with about 900 certified beds: three in Crestview, three in Fort Walton Beach, one in Niceville and one in Destin. Five hold CMS overall ratings of 5 of 5 stars and the other three hold 4 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 8 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Aviata at Shoal Creek | 500 Hospital Drive, Crestview, FL 32539 | (850) 689-3146 | 120 | 4 of 5 | Care Compare | Directions |
| Crestview Rehabilitation Center | 1849 First Avenue East, Crestview, FL 32539 | (850) 682-5322 | 180 | 5 of 5 | Care Compare | Directions |
| Destination Health and Rehabilitation Center | 195 Mattie M Kelly Blvd, Destin, FL 32541 | (850) 654-4588 | 119 | 5 of 5 | Care Compare | Directions |
| Emerald Coast Center | 114 Third Street SE, Fort Walton Beach, FL 32548 | (850) 243-6134 | 120 | 4 of 5 | Care Compare | Directions |
| Fort Walton Rehabilitation Center | 1 Lbj Sr Drive, Fort Walton Beach, FL 32547 | (850) 863-2066 | 120 | 5 of 5 | Care Compare | Directions |
| The Manor at Blue Water Bay | 1500 North White Point Road, Niceville, FL 32578 | (850) 897-5592 | 120 | 5 of 5 | Care Compare | Directions |
| Silvercrest Health and Rehabilitation Center | 910 Brookmeade Drive, Crestview, FL 32539 | (850) 682-1903 | 60 | 5 of 5 | Care Compare | Directions |
| Westwood Nursing and Rehabilitation Center | 1001 Mar-Walt Drive, Fort Walton Beach, FL 32547 | (850) 863-5174 | 60 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Westwood Nursing and Rehabilitation Center is inside a continuing care retirement community and may limit admission to its own residents. Care Compare explains the details.
Home Health, Hospice and Dialysis in Okaloosa County
- Home health: CMS lists one Medicare-certified home health agency with an office in Okaloosa County, Angels Care Home Health of the Emerald Coast in Fort Walton Beach (Care Compare). Agencies based in neighboring counties may also serve your area, so search by your ZIP code on Medicare Care Compare.
- Hospice: CMS lists no hospice agency based in Okaloosa 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 five dialysis facilities in Okaloosa County: three in Fort Walton Beach, one in Niceville and one in Crestview. 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 Okaloosa County
These public and nonprofit resources help Okaloosa 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 Northwest Florida Area Agency on Aging | 5090 Commerce Park Circle, Pensacola, FL 32505 (850) 494-7101 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Okaloosa County | Public health services, vaccinations and clinic services | 221 Hospital Dr NE, Fort Walton Beach, FL 32548 (850) 833-9240 okaloosa.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 |
Okaloosa County Medicare FAQs
How many people in Okaloosa County use Original Medicare?
CMS counts 47,309 people with Medicare in Okaloosa County as of June 2026. Of them, 30,561 (64.6%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 16,748 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Fort Walton-Destin 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.
I am a military retiree. How does a Medigap plan fit with TRICARE For Life?
TRICARE For Life works as a supplement to Medicare for eligible military retirees, so many do not need a separate Medigap plan. Spouses or others without TRICARE For Life often use a Medigap plan. SHINE counselors can help you compare.
Should Okaloosa 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 part of the year elsewhere?
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 hospitals are in Okaloosa County?
CMS lists three general hospitals with emergency departments: HCA Florida Fort Walton-Destin Hospital in Fort Walton Beach, HCA Florida Twin Cities Hospital in Niceville and North Okaloosa Medical Center in Crestview. HCA Florida Twin Cities Hospital holds 5 of 5 stars.
Where can I get free Medicare counseling in Okaloosa County?
SHINE offers free, unbiased Medicare counseling through the Northwest Florida Area Agency on Aging. Call (850) 494-7101 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, September 23). Inpatient Rehabilitation Facility 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: Okaloosa 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 Okaloosa County. Contact Us. Accessed October 9, 2026.
- TRICARE. TRICARE For Life. 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 Okaloosa County
Plan benefits are the same from every carrier, but premiums in Okaloosa 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 Okaloosa County
Medicare Supplement plans work the same way in every Okaloosa 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 Destin
A Gulf-front city on the Emerald Coast with an established retirement community. About 14,077 people live in Destin, and about 2,572 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 HCA Florida Twin Cities Hospital in Niceville, about 9 miles away in a straight line.
Medicare Supplement Plans in Valparaiso
A small city on Boggy Bayou next to Niceville and Eglin Air Force Base. About 4,885 people live in Valparaiso, and about 698 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 HCA Florida Twin Cities Hospital in Niceville, about 3 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 Okaloosa County
I help people with Medicare Supplement plans in every city, town and community in Okaloosa County, including these with their own local pages.
- Destin
- Lake Lorraine
- Laurel Hill
- Mary Esther
- Ocean City
- Shalimar
- Valparaiso
- Wright
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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