Medicare Supplement Plans and Medicare Resources in Orange County, Florida

What Medicare Supplement plans pay in Orange County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help

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Medicare in Orange County, Florida

Orange County, home to Orlando, is one of Florida’s largest Medicare markets. CMS lists four general hospital listings, the Orlando VA Medical Center, a children’s hospital, three psychiatric hospitals, rehabilitation and long-term care hospitals and 36 Medicare-certified nursing homes, according to data updated in 2026. About 14% of its roughly 1.5 million 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.

Orange County at a Glance

County seatOrlando
Incorporated cities and townsApopka, Bay Lake, Belle Isle, Eatonville, Edgewood, Lake Buena Vista, Maitland, Oakland, Ocoee, Orlando, Windermere, Winter Garden and Winter Park
Population1,528,002 (U.S. Census Bureau estimate, July 1, 2025)
Residents 65 and older14.3%
People with Medicare228,284 (CMS, June 2026)
In Original Medicare, where a Medigap plan can be added88,077 (38.6%)
In Medicare Advantage or other health plans140,207 (61.4%)
Medicare-certified hospital listings4 general hospital listings, 1 VA medical center, 1 children’s hospital and 3 psychiatric hospitals
Rehabilitation and long-term care2 hospital rehabilitation programs and 1 long-term care hospital
Medicare-certified nursing homes36
Medicare-certified dialysis facilities33
Free Medicare counselingSHINE, 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.

Orange County is the center of our Central Florida Medicare Supplement region and home to Orlando’s two largest hospital systems, Orlando Health and AdventHealth, whose hospitals also serve residents of Seminole, Osceola, Lake and other neighboring counties.

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Medicare Supplement Plans in Orange County

Of the 228,284 people with Medicare in Orange County, 88,077 (38.6%) 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 lower than the statewide figure of 42.9%. Another 51,606 Orange County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.

What Matters for Orange County Residents

  • Two large hospital systems, one plan: Orlando Health and AdventHealth run most of the county’s hospitals. A Medicare Supplement plan pays the same way at both and at any other hospital that accepts Medicare, with no networks to check.
  • Fewer people in Original Medicare: Only 38.6% of Orange County’s Medicare population uses Original Medicare, below the statewide share of about 43%. If you are comparing a Medicare Advantage plan with a Medigap plan, check whether the Advantage plan’s network includes the hospitals and specialists you use.
  • 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 50,736 Orange 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 Orange 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 AdventHealth Orlando, Orlando Health, UCF Lake Nona Hospital or any other Medicare-certified hospital. The table shows what you would pay in 2026 for medical care, before any plan premium.

CoverageRoutine year
6 doctor visits and $800 in tests
4-day stay at AdventHealth Orlando
plus 8 doctor visits and $1,500 in tests
Hospital stay and rehab
the same stay plus 25 days at a Orange 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 Orange 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 Orange County

CMS lists four general hospital listings in Orange County, all with emergency departments. Orlando Health, listed at Orlando Regional Medical Center’s downtown address, holds a CMS overall rating of 4 of 5 stars. AdventHealth Orlando, Orlando Health Health Central Hospital in Ocoee and UCF Lake Nona Hospital hold 3 stars. Orlando Health and AdventHealth each report several campuses under a single Medicare listing, so a hospital you know, such as AdventHealth Winter Park or Orlando Health Dr. P. Phillips Hospital, may appear under the system name.

The Orlando VA Medical Center in Lake Nona serves eligible veterans; Medicare generally does not pay for care at VA facilities, so veterans with both should know which coverage applies. Nemours Children’s Hospital treats children. Aspire Health Partners, Central Florida Behavioral Hospital and University Behavioral Center provide inpatient psychiatric care.

Show all 9 hospitals with ratings, phone numbers and directions
HospitalTypeAddressPhoneCMS overall ratingLinks
AdventHealth OrlandoAcute care601 E Rollins St, Orlando, FL 32803(407) 303-19763 of 5 starsCare Compare | Directions
Orlando HealthAcute care52 W Underwood St, Orlando, FL 32806(321) 841-51114 of 5 starsCare Compare | Directions
Orlando Health Health Central HospitalAcute care10000 W Colonial Dr, Ocoee, FL 34761(407) 296-10003 of 5 starsCare Compare | Directions
UCF Lake Nona HospitalAcute care6700 Lake Nona Blvd, Orlando, FL 32827(689) 216-80003 of 5 starsCare Compare | Directions
Aspire Health PartnersPsychiatric1800 Mercy Dr, Orlando, FL 32808(407) 875-3700Not ratedCare Compare | Directions
Central Florida Behavioral HospitalPsychiatric6601 Central Florida Parkway, Orlando, FL 32821(407) 370-0111Not ratedCare Compare | Directions
University Behavioral CenterPsychiatric2500 Discovery Drive, Orlando, FL 32826(407) 281-7000Not ratedCare Compare | Directions
Nemours Children’s Hospital, FloridaChildren’s6535 Nemours Pkwy, Orlando, FL 32827(407) 567-4000Not ratedCare Compare | Directions
Orlando VA Medical CenterVA medical center13800 Veterans Way, Orlando, FL 32827(407) 631-10005 of 5 starsCare Compare | Directions

Rehabilitation and Long-Term Care Hospitals

Show 3 rehabilitation and long-term care hospitals with directions
FacilityTypeAddressLinks
Orlando Regional Rehabilitation InstituteInpatient rehabilitation1414 Kuhl Ave, Orlando, FL 32806Care Compare | Directions
AdventHealth Inpatient RehabilitationInpatient rehabilitation601 E Rollins St, Orlando, FL 32803Care Compare | Directions
Select Specialty Hospital Orlando SouthLong-term care hospital5579 S Orange Ave, Orlando, FL 32809Care 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. Psychiatric and children’s hospitals do not receive CMS overall star ratings. VA care and Medicare are separate benefits, and you choose which to use each time you get care.

Map of Medicare-Certified Facilities in Orange County

The map shows Orange County’s hospitals, rehabilitation and long-term care hospitals, nursing homes and hospice office. Zoom in to separate markers in downtown Orlando and Winter Park. Dialysis facilities and home health agencies are listed below but not mapped. Click a marker for the address, phone number and driving directions in Google Maps.

Acute care hospitalPsychiatric hospitalChildren's hospitalVA medical centerRehabilitation or long-term care hospitalNursing homeHospice

Medicare-Certified Nursing Homes in Orange County

CMS lists 36 Medicare-certified nursing homes in Orange County with about 4,560 certified beds. Ratings range from 1 to 5 stars. Nine hold 5 stars and seven hold 1 star, so compare before you choose. 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 36 nursing homes with ratings and directions
Nursing homeAddressPhoneCertified bedsCMS overall ratingLinks
Alwyn C. Cashe State Veterans Nursing Home5255 Raymond St, Orlando, FL 32803(407) 741-46141121 of 5Care Compare | Directions
Ansley Cove Healthcare and Rehabilitation1301 W Maitland Blvd, Maitland, FL 32751(407) 645-3990391 of 5Care Compare | Directions
Apopka Health and Rehabilitation Center2001 Alston Bay Blvd, Apopka, FL 32703(407) 565-59901803 of 5Care Compare | Directions
Avante at Orlando2000 North Semoran Boulevard, Orlando, FL 32807(407) 671-54001183 of 5Care Compare | Directions
Aviata at Colonial Lakes15204 W Colonial Dr, Winter Garden, FL 34787(407) 877-23941802 of 5Care Compare | Directions
Aviata at Rosewood3920 Rosewood Way, Orlando, FL 32808(407) 298-93351203 of 5Care Compare | Directions
Commons at Orlando Lutheran Towers210 Lake Avenue, Orlando, FL 32801(407) 872-70881681 of 5Care Compare | Directions
Conway Lakes Health and Rehabilitation Center5201 Curry Ford Road, Orlando, FL 32812(407) 384-88381202 of 5Care Compare | Directions
Courtyards of Orlando Care Center and Rehab1900 Mercy Drive, Orlando, FL 32808(407) 299-54041202 of 5Care Compare | Directions
Delaney Park Health and Rehabilitation Center215 Annie Street, Orlando, FL 32806(407) 841-4371893 of 5Care Compare | Directions
Guardian Care Nursing and Rehabilitation Center350 South John Young Parkway, Orlando, FL 32805(407) 295-53711202 of 5Care Compare | Directions
Health Central Park411 North Dillard Street, Winter Garden, FL 34787(407) 296-16002182 of 5Care Compare | Directions
Hunters Creek Nursing and Rehab Center14155 Town Loop Blvd, Orlando, FL 32837(407) 541-26001164 of 5Care Compare | Directions
Lake Bennet Center for Rehabilitation and Healing1091 Kelton Ave, Ocoee, FL 34761(407) 523-03001203 of 5Care Compare | Directions
Life Care Center of Orlando3211 Rouse Road, Orlando, FL 32817(407) 281-10701325 of 5Care Compare | Directions
Lotus Nursing and Rehabilitation Center7950 Lake Underhill Road, Orlando, FL 32822(407) 658-20461802 of 5Care Compare | Directions
Mayflower Healthcare Center1850 Mayflower Court, Winter Park, FL 32792(407) 672-1620605 of 5Care Compare | Directions
Metro West Nursing and Rehab Center5900 Westgate Drive, Orlando, FL 32825(407) 296-81641204 of 5Care Compare | Directions
Orlando Health Center for Rehabilitation1300 Hempel Avenue, Ocoee, FL 34761(407) 407-9000104 of 5Care Compare | Directions
Orlando Health and Rehabilitation Center830 West 29th Street, Orlando, FL 32805(407) 843-32303911 of 5Care Compare | Directions
Palm Garden of Orlando654 N Econlockhatchee Trail, Orlando, FL 32825(407) 273-61581324 of 5Care Compare | Directions
Parkview Rehabilitation Center at Winter Park2075 Loch Lomond Drive, Winter Park, FL 32792(407) 628-54181385 of 5Care Compare | Directions
Regents Park of Winter Park558 N Semoran Blvd, Winter Park, FL 32792(407) 679-15151201 of 5Care Compare | Directions
Rehabilitation Center of Orlando9311 S Orange Blossom Trl, Orlando, FL 32837(407) 858-04551201 of 5Care Compare | Directions
Rehabilitation Center of Winter Park1700 Monroe Ave, Maitland, FL 32751(407) 647-20921803 of 5Care Compare | Directions
Solaris Healthcare Apopka305 East Oak Street, Apopka, FL 32703(407) 880-22661205 of 5Care Compare | Directions
Solaris Healthcare College Park730 Courtland Street, Orlando, FL 32804(407) 975-38001083 of 5Care Compare | Directions
Solaris Healthcare East Orlando250 South Chickasaw Trail, Orlando, FL 32825(407) 380-34661105 of 5Care Compare | Directions
Solaris Healthcare Windermere4875 Cason Cove Drive, Orlando, FL 32811(407) 420-20901205 of 5Care Compare | Directions
South Orange Health and Rehabilitation Center1730 Lucerne Terrace, Orlando, FL 32806(407) 423-16121155 of 5Care Compare | Directions
Vivo Healthcare West Orange1556 Maguire Rd, Ocoee, FL 34761(407) 877-22721202 of 5Care Compare | Directions
Westminster Baldwin Park2653 Lake Baldwin Lane, Orlando, FL 32814(407) 621-4100405 of 5Care Compare | Directions
Westminster Towers70 West Lucerne Circle, Orlando, FL 32801(407) 841-13101203 of 5Care Compare | Directions
Westminster Winter Park1111 S Lakemont Ave, Winter Park, FL 32792(407) 647-4083805 of 5Care Compare | Directions
Winter Garden Rehabilitation and Nursing Center12751 W Colonial Drive, Winter Garden, FL 34787(407) 877-66361202 of 5Care Compare | Directions
Winter Park Care and Rehabilitation2970 Scarlett Rd, Winter Park, FL 32792(407) 671-80301031 of 5Care Compare | Directions

Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. CMS currently marks Orlando Health and Rehabilitation Center, Commons at Orlando Lutheran Towers, Ansley Cove Healthcare and Rehabilitation and the Alwyn C. Cashe State Veterans Nursing Home with its abuse icon, which means the facility was cited for abuse or potential abuse, and lists Ansley Cove as a Special Focus Facility candidate. Mayflower Healthcare Center, Commons at Orlando Lutheran Towers, Westminster Towers, Westminster Winter Park and Westminster Baldwin Park are inside continuing care retirement communities and may limit admission to their own residents, and the state veterans home admits eligible veterans. Care Compare explains the details.

Home Health, Hospice and Dialysis in Orange County

  • Home health: CMS lists 43 Medicare-certified home health agencies with offices in Orange County. Medicare covers home health care with no coinsurance when you qualify, so Medigap matters less here. Search by ZIP code on Medicare Care Compare to see which agencies serve your home, with their ratings.
  • Hospice: One Medicare-certified hospice agency is based in Orange County in CMS data: Gentiva in Orlando, (407) 514-1300 (Care Compare). Agencies based in neighboring counties also serve Orange County, 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 33 dialysis facilities in Orange County, including home dialysis training programs. Dialysis is a Part B service, so the 20% coinsurance applies, and every Medigap plan helps pay it. Search dialysis facilities on Care Compare by ZIP code.
  • 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 Orange County

These public and nonprofit resources help Orange County residents with Medicare questions at no cost.

ResourceWhat it helps withContact
SHINE (Serving Health Insurance Needs of Elders)Free, unbiased Medicare counseling from trained volunteers, run locally by Senior Resource Alliance, the Area Agency on Aging for Brevard, Orange, Osceola and Seminole counties3319 Maguire Blvd, Suite 100, Orlando, FL 32803
1-800-963-5337
floridashine.org
Senior Resource AllianceInformation on local senior services, meals, caregiver support and in-home help(407) 514-1800
seniorresourcealliance.org
Florida Department of Health in Orange CountyPublic health services, vaccinations and clinic locations6101 Lake Ellenor Dr, Orlando, FL 32809
(407) 858-1400
orange.floridahealth.gov
Social Security AdministrationEnrolling in Medicare Parts A and B, Part B premiums and replacement Medicare cardsFind your local office or call 1-800-772-1213
MedicareCoverage questions, Care Compare and plan information1-800-MEDICARE (1-800-633-4227)
medicare.gov

Orange County Medicare FAQs

How many people in Orange County use Original Medicare?

CMS counts 228,284 people with Medicare in Orange County as of June 2026. Of them, 88,077 (38.6%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 140,207 are in Medicare Advantage or other health plans.

What would a hospital stay at AdventHealth Orlando 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.

Can I use my Medicare Supplement plan at both Orlando Health and AdventHealth?

Yes. Both are Medicare-certified, and Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare. There are no networks or referrals, so you can choose between hospital systems.

Should Orange 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 Medicare-certified hospitals are in Orange County?

CMS lists four general hospital listings: Orlando Health, AdventHealth Orlando, Orlando Health Health Central Hospital and UCF Lake Nona Hospital. Orlando Health and AdventHealth each report several campuses under one listing. The county also has the Orlando VA Medical Center, Nemours Children’s Hospital and three psychiatric hospitals.

Where can I get free Medicare counseling in Orange County?

SHINE offers free, unbiased Medicare counseling through Senior Resource Alliance in Orlando. Call 1-800-963-5337 or (407) 514-1800.

Sources

Compare Medicare Supplement Plans in Orange County

Plan benefits are the same from every carrier, but premiums in Orange 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 Orange County

I help people with Medicare Supplement plans in every city, town and community in Orange County, including these with their own local pages.

Also serving
  • Azalea Park
  • Bay Hill
  • Bay Lake
  • Belle Isle
  • Bithlo
  • Christmas
  • Clarcona
  • Conway
  • Doctor Phillips
  • Eatonville
  • Edgewood
  • Fairview Shores
  • Goldenrod
  • Gotha
  • Holden Heights
  • Holden Lakes
  • Hunters Creek
  • Lake Buena Vista
  • Lake Hart
  • Lake Mary Jane
  • Lockhart
  • Meadow Woods
  • Oak Ridge
  • Oakland
  • Orlovista
  • Paradise Heights
  • Pine Castle
  • Rio Pinar
  • Sky Lake
  • South Apopka
  • Southchase
  • Taft
  • Tangelo Park
  • Tangerine
  • Union Park
  • University
  • Wedgefield
  • Williamsburg
  • Windermere
  • Zellwood

All Florida communities A–Z →Every Florida county

Get Your Free Medicare Supplement Quote Today

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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.

Insurance product descriptions on this site are provided for informational and 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 may change over time.


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This website is not connected with or endorsed by the U.S. government or the federal Medicare program.

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Content Review

Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216

FL License A169316 | NPN 553216 | Privacy Policy | Terms of Service
Last updated: November 10, 2026
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