Medicare Supplement Plans and Medicare Resources in Seminole County, Florida
What Medicare Supplement plans pay in Seminole County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Seminole County, Florida
Seminole County, home to Sanford, Altamonte Springs and Oviedo, sits between Orlando and Volusia County. CMS lists two general hospitals, two rehabilitation hospitals and ten Medicare-certified nursing homes, according to data updated in 2026, and AdventHealth Altamonte Springs and Orlando Health South Seminole Hospital also serve the county. About 18% of its roughly 492,000 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.
Seminole County at a Glance
| County seat | Sanford |
|---|---|
| Incorporated cities | Altamonte Springs, Casselberry, Lake Mary, Longwood, Oviedo, Sanford and Winter Springs |
| Population | 491,884 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 18.3% |
| People with Medicare | 91,075 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 41,832 (45.9%) |
| In Medicare Advantage or other health plans | 49,243 (54.1%) |
| Medicare-certified hospitals | 2 general hospitals (AdventHealth Altamonte Springs and Orlando Health South Seminole Hospital have no separate listing) |
| Rehabilitation | 2 rehabilitation hospitals and 1 hospital rehabilitation unit |
| Medicare-certified nursing homes | 10 |
| Medicare-certified hospice agencies based in the county | 1 |
| Medicare-certified dialysis facilities | 9 |
| Free Medicare counseling | SHINE, (407) 514-1800 |
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.
Seminole County sits just north of Orlando in our Central Florida Medicare Supplement region, from Altamonte Springs and Longwood in the southwest to Sanford on Lake Monroe and Oviedo in the east. Its hospitals are in Sanford, Oviedo, Altamonte Springs and Longwood. The large Orlando hospitals in Orange County are a short drive south.
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Medicare Supplement Plans in Seminole County
Of the 91,075 people with Medicare in Seminole County, 41,832 (45.9%) 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 27,184 Seminole County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Seminole County Residents
- Three health systems, one plan: Seminole County residents can choose HCA Florida, AdventHealth and Orlando Health hospitals in the county and in Orlando. A Medicare Supplement plan pays the same way at all of them, with no networks to check.
- Original Medicare share: CMS counts 41,832 Seminole County residents in Original Medicare, 45.9% of the county’s Medicare population and slightly 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 12,156 Seminole 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 Seminole 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 Lake Monroe Hospital, AdventHealth Altamonte Springs, Orlando Health South Seminole 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 Lake Monroe Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Seminole 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 Seminole 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 Seminole County
CMS lists two general hospitals in Seminole County, both with emergency departments. HCA Florida Lake Monroe Hospital in Sanford holds a CMS overall rating of 2 of 5 stars in the 2026 data, and Oviedo Medical Center holds 3 stars.
AdventHealth Altamonte Springs at 601 E Altamonte Dr, (407) 303-2200, has a 24-hour emergency room, according to AdventHealth. Orlando Health South Seminole Hospital at 555 W State Road 434 in Longwood, (407) 767-1200, has a full-service emergency department, according to Orlando Health. Neither has a separate listing in the CMS hospital data, so neither has a star rating of its own here.
Encompass Health Rehabilitation Hospital of Altamonte Springs and Orlando Rehabilitation Hospital are inpatient rehabilitation hospitals in Altamonte Springs. HCA Florida Lake Monroe Hospital also has its own rehabilitation unit.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Lake Monroe Hospital | Acute care | 1401 W Seminole Blvd, Sanford, FL 32771 | (407) 321-4500 | 2 of 5 stars | Care Compare | Directions |
| Oviedo Medical Center | Acute care | 8300 Red Bug Lake Rd, Oviedo, FL 32765 | (407) 890-2273 | 3 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
Show 3 rehabilitation and long-term care hospitals with directions
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of Altamonte Springs | Inpatient rehabilitation | 831 S State Rd 434, Altamonte Springs, FL 32714 | Care Compare | Directions |
| Orlando Rehabilitation Hospital | Inpatient rehabilitation | 980 Gateway Dr, Altamonte Springs, FL 32701 | Care Compare | Directions |
| HCA Florida Lake Monroe Hospital Rehabilitation Unit | Inpatient rehabilitation | 1401 W Seminole Blvd, Sanford, FL 32771 | 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 Seminole County
The map shows Seminole County’s hospitals, including AdventHealth Altamonte Springs and Orlando Health South Seminole Hospital, along with the rehabilitation hospitals, nursing homes and hospice office. 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 Seminole County
CMS lists ten Medicare-certified nursing homes in Seminole County with 1,246 certified beds. Ratings range from 1 to 5 stars. Village on the Green and Tuskawilla Nursing and Rehab Center hold 5 stars, and four others hold 4 stars, 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 |
|---|---|---|---|---|---|
| Aviata at Lake Mary | 710 North Sun Drive, Lake Mary, FL 32746 | (407) 805-3131 | 120 | 4 of 5 | Care Compare | Directions |
| Harborview Health Center West Altamonte | 1099 West Town Parkway, Altamonte Springs, FL 32714 | (407) 865-8000 | 116 | 2 of 5 | Care Compare | Directions |
| Healthcare and Rehab of Sanford | 950 Mellonville Ave, Sanford, FL 32771 | (407) 322-8566 | 114 | 3 of 5 | Care Compare | Directions |
| Island Lake Center | 155 Landover Place, Longwood, FL 32750 | (407) 830-7744 | 120 | 4 of 5 | Care Compare | Directions |
| Legacy Pointe at UCF | 2120 Hestia Loop, Oviedo, FL 32765 | (407) 543-6350 | 48 | 2 of 5 | Care Compare | Directions |
| Life Care Center of Altamonte Springs | 989 Orienta Ave, Altamonte Springs, FL 32701 | (407) 831-3446 | 228 | 4 of 5 | Care Compare | Directions |
| Longwood Health and Rehabilitation Center | 1520 S Grant St, Longwood, FL 32750 | (407) 339-9200 | 120 | 1 of 5 | Care Compare | Directions |
| Solaris HealthCare Forest Lake | 3355 E Semoran Blvd, Apopka, FL 32703 | (407) 862-6263 | 222 | 4 of 5 | Care Compare | Directions |
| Tuskawilla Nursing and Rehab Center | 1024 Willa Springs Dr, Winter Springs, FL 32708 | (407) 699-5506 | 98 | 5 of 5 | Care Compare | Directions |
| Village on the Green | 500 Village Place, Longwood, FL 32779 | (407) 682-0230 | 60 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Village on the Green and Legacy Pointe at UCF are part of continuing care retirement communities and may limit admission to their own residents. Solaris HealthCare Forest Lake has an Apopka mailing address but is in Seminole County. Call to confirm.
Home Health, Hospice and Dialysis in Seminole County
- Home health: CMS lists 12 Medicare-certified home health agencies with offices in Seminole 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 Seminole County in CMS data: AdventHealth Hospice Care Central Florida in Altamonte Springs, (407) 682-0808 (Care Compare). Agencies based in Orange, Volusia and other neighboring counties may also 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 nine dialysis facilities in Seminole County, in Altamonte Springs, Sanford, Casselberry, Oviedo and Lake Mary. 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 Seminole County
These public and nonprofit resources help Seminole 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 | 3319 Maguire Blvd, Suite 100, Orlando, FL 32803 (407) 514-1800 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Seminole County | Public health services, vaccinations and clinic locations | 400 W Airport Blvd, Sanford, FL 32773 (407) 665-3000 seminole.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 |
Seminole County Medicare FAQs
How many people in Seminole County use Original Medicare?
CMS counts 91,075 people with Medicare in Seminole County as of June 2026. Of them, 41,832 (45.9%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 49,243 are in Medicare Advantage or other health plans.
What would a hospital stay at HCA Florida Lake Monroe 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 Orlando hospitals?
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 Seminole, Orange or Volusia counties or anywhere else.
Should Seminole 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 Seminole County?
CMS lists two general hospitals, HCA Florida Lake Monroe Hospital in Sanford and Oviedo Medical Center. AdventHealth Altamonte Springs and Orlando Health South Seminole Hospital in Longwood also have emergency departments but no separate CMS listing.
Where can I get free Medicare counseling in Seminole County?
SHINE offers free, unbiased Medicare counseling through Senior Resource Alliance. Call (407) 514-1800 or the Elder Helpline at 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, 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: Seminole 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.
- AdventHealth. AdventHealth Altamonte Springs Emergency Care. Accessed October 9, 2026.
- Orlando Health. South Seminole Hospital. Accessed October 9, 2026.
- Florida Department of Health in Seminole County. Sanford Main Office. 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 Seminole County
Plan benefits are the same from every carrier, but premiums in Seminole 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 Seminole County
I help people with Medicare Supplement plans in every city, town and community in Seminole County, including these with their own local pages.
- Black Hammock
- Chuluota
- Fern Park
- Forest City
- Geneva
- Heathrow
- Lake Mary
- Midway
- Wekiwa Springs
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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