Medicare Supplement Plans and Medicare Resources in Osceola County, Florida
What Medicare Supplement plans pay in Osceola County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Osceola County, Florida
Osceola County, home to Kissimmee and St. Cloud, sits just south of Orlando. CMS lists three general hospitals, a psychiatric hospital, two rehabilitation hospitals and 10 Medicare-certified nursing homes, according to data updated in 2026. About 15% of its roughly 482,000 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.
Osceola County at a Glance
| County seat | Kissimmee |
|---|---|
| Incorporated cities | Kissimmee and St. Cloud |
| Population | 481,718 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 14.5% |
| People with Medicare | 76,623 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 21,705 (28.3%) |
| In Medicare Advantage or other health plans | 54,918 (71.7%) |
| Medicare-certified hospitals | 3 general hospitals and 1 psychiatric hospital |
| Rehabilitation | 1 rehabilitation hospital and 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 10 |
| Medicare-certified dialysis facilities | 8 |
| 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.
Osceola County is part of our Central Florida Medicare Supplement region. Kissimmee, St. Cloud and Poinciana have their own hospitals, and Orlando Health, AdventHealth and UCF Lake Nona Hospital are just north in Orange County.
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Medicare Supplement Plans in Osceola County
Of the 76,623 people with Medicare in Osceola County, 21,705 (28.3%) 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 lower than the statewide figure of 42.9%. Another 12,481 Osceola County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Osceola County Residents
- Local hospitals and Orlando, one plan: Osceola County has hospitals in Kissimmee, St. Cloud and Poinciana, and the Orlando hospital systems are just north. A Medicare Supplement plan pays the same way at all of them and at any other hospital that accepts Medicare, with no networks to check.
- Fewer people in Original Medicare: Only 28.3% of Osceola County’s Medicare population uses Original Medicare, well 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 21,256 Osceola 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 Osceola 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 Osceola Hospital, Orlando Health St. Cloud Hospital, a hospital in Orlando 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 Osceola Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Osceola 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 Osceola County in 2026?
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Rehab days 1 to 20 cost nothing under Medicare. Days 21 to 100 cost $217 a day in 2026 unless a plan pays it.
Based on 2026 Medicare amounts: a $1,736 hospital deductible per stay, the $283 Part B deductible, 20% of doctor and outpatient bills and $217 a day for rehab days 21 to 100. Each hospital stay is 4 days, each doctor visit is $150 and tests are included in each example. Assumes your doctors accept Medicare assignment. The Part B premium, $202.90 a month for most people, is the same with or without a plan and is not shown. Drug, dental, vision and hearing costs are not included. Estimates are for education; your costs depend on your care.
Hospitals in Osceola County
CMS lists three general hospitals in Osceola County, all with emergency departments: HCA Florida Osceola Hospital in Kissimmee, Orlando Health St. Cloud Hospital and HCA Florida Poinciana Hospital. Each holds a CMS overall rating of 2 of 5 stars in the 2026 data. AdventHealth Celebration and AdventHealth Kissimmee do not have separate listings in this data, because AdventHealth reports several campuses under its AdventHealth Orlando listing in Orange County.
Blackberry Center in St. Cloud provides inpatient psychiatric care. Encompass Health Rehabilitation Hospital of Kissimmee and the rehabilitation unit at HCA Florida Osceola Hospital provide inpatient rehabilitation after a stroke, surgery or serious illness.
Show all 4 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Osceola Hospital | Acute care | 700 West Oak Street, Kissimmee, FL 34741 | (407) 846-2266 | 2 of 5 stars | Care Compare | Directions |
| HCA Florida Poinciana Hospital | Acute care | 325 Cypress Pkwy, Kissimmee, FL 34758 | (407) 530-2000 | 2 of 5 stars | Care Compare | Directions |
| Orlando Health St. Cloud Hospital | Acute care | 2906 17th Street, Saint Cloud, FL 34769 | (407) 892-2135 | 2 of 5 stars | Care Compare | Directions |
| Blackberry Center | Psychiatric | 91 Beehive Cir, Saint Cloud, FL 34769 | (321) 805-5090 | Not rated | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
Show 2 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Kissimmee | Inpatient rehabilitation | 4950 Calypso Cay Way, Kissimmee, FL 34746 | Care Compare | Directions |
| HCA Florida Osceola Hospital Rehabilitation Unit | Inpatient rehabilitation | 700 W Oak St, Kissimmee, FL 34741 | 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. Psychiatric hospitals do not receive CMS overall star ratings.
Map of Medicare-Certified Facilities in Osceola County
The map shows Osceola County’s hospitals, rehabilitation providers and nursing homes. The rehabilitation unit shares a marker location with HCA Florida Osceola Hospital. 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.
Medicare-Certified Nursing Homes in Osceola County
CMS lists 10 Medicare-certified nursing homes in Osceola County with about 1,190 certified beds. Ratings range from 1 to 5 stars. Two hold 5 stars, four hold 4 stars and one holds 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 10 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Avante at St. Cloud | 1301 Kansas Ave, Saint Cloud, FL 34769 | (407) 892-5121 | 131 | 4 of 5 | Care Compare | Directions |
| Aviata at Kissimmee Gardens | 1120 W Donegan Ave, Kissimmee, FL 34741 | (407) 847-2854 | 120 | 5 of 5 | Care Compare | Directions |
| Aviata at St. Cloud | 4641 Old Canoe Creek Road, Saint Cloud, FL 34769 | (407) 892-7344 | 120 | 3 of 5 | Care Compare | Directions |
| Kissimmee Health and Rehabilitation Center | 320 N Mitchell St, Kissimmee, FL 34741 | (407) 847-7200 | 59 | 4 of 5 | Care Compare | Directions |
| Kissimmee Nursing and Rehabilitation Center | 2511 John Young Parkway North, Kissimmee, FL 34741 | (407) 931-3336 | 120 | 2 of 5 | Care Compare | Directions |
| Solaris Healthcare Celebration | 1290 Celebration Blvd, Kissimmee, FL 34747 | (321) 337-7400 | 120 | 3 of 5 | Care Compare | Directions |
| Solaris Healthcare Osceola | 4201 W New Nolte Road, Saint Cloud, FL 34772 | (407) 957-3341 | 120 | 5 of 5 | Care Compare | Directions |
| The Terrace of Kissimmee | 221 Park Place Blvd, Kissimmee, FL 34741 | (407) 935-0200 | 120 | 1 of 5 | Care Compare | Directions |
| The Terrace of St. Cloud | 3855 Old Canoe Creek Road, Saint Cloud, FL 34769 | (407) 957-2280 | 120 | 4 of 5 | Care Compare | Directions |
| Good Samaritan Society Kissimmee Village | 1500 Southgate Drive, Kissimmee, FL 34746 | (407) 846-7201 | 161 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Search Care Compare by ZIP code to compare nursing homes in neighboring counties.
Home Health, Hospice and Dialysis in Osceola County
- Home health: CMS lists five Medicare-certified home health agencies with offices in Osceola County, and agencies based in neighboring counties may also serve the area. 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: CMS lists no hospice agency based in Osceola County. Hospice agencies based in Orange and other 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 eight dialysis facilities in Osceola County, including a home dialysis training program. 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 Osceola County
These public and nonprofit resources help Osceola 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 Senior Resource Alliance, the Area Agency on Aging for Brevard, Orange, Osceola and Seminole counties | 3319 Maguire Blvd, Suite 100, Orlando, FL 32803 1-800-963-5337 floridashine.org |
| Senior Resource Alliance | Information on local senior services, meals, caregiver support and in-home help | (407) 514-1800 seniorresourcealliance.org |
| Florida Department of Health in Osceola County | Public health services, vaccinations and clinic locations | 1875 Fortune Road, Kissimmee, FL 34744 (407) 343-2000 osceola.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 |
Osceola County Medicare FAQs
How many people in Osceola County use Original Medicare?
CMS counts 76,623 people with Medicare in Osceola County as of June 2026. Of them, 21,705 (28.3%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 54,918 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Osceola 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.
Can I use my Medicare Supplement plan at hospitals in Orlando?
Yes. 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 use hospitals in Osceola County, Orlando or anywhere else.
Should Osceola 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 Osceola County?
CMS lists three general hospitals: HCA Florida Osceola Hospital, Orlando Health St. Cloud Hospital and HCA Florida Poinciana Hospital. The county also has two rehabilitation providers and Blackberry Center, a psychiatric hospital.
Where can I get free Medicare counseling in Osceola County?
SHINE offers free, unbiased Medicare counseling through Senior Resource Alliance, which serves Osceola County. Call 1-800-963-5337 or (407) 514-1800.
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, August 26). Hospice General Information [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, July 15). Home Health Care Agencies [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2026, July 15). Dialysis Facility Listing by Facility [Data set]. Provider Data Catalog.
- Centers for Medicare & Medicaid Services. (2025, November 14). 2026 Medicare Parts A & B Premiums and Deductibles [Fact sheet].
- Centers for Medicare & Medicaid Services. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Medicare.gov. Accessed October 9, 2026.
- Centers for Medicare & Medicaid Services. Medicare Care Compare. Medicare.gov. Accessed October 9, 2026.
- U.S. Census Bureau. QuickFacts: Osceola 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.
- Senior Resource Alliance. Senior Resource Alliance. Accessed October 9, 2026.
- Florida Department of Health in Osceola County. About Us. 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 Osceola County
Plan benefits are the same from every carrier, but premiums in Osceola 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 Osceola County
I help people with Medicare Supplement plans in every city, town and community in Osceola County, including these with their own local pages.
- Campbell
- Yeehaw Junction
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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