Medicare Supplement Plans and Medicare Resources in St. Johns County, Florida
What Medicare Supplement plans pay in St. Johns County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in St. Johns County, Florida
St. Johns County, home to St. Augustine and Ponte Vedra Beach, sits on the Atlantic coast just south of Jacksonville. CMS lists two general hospitals, a rehabilitation hospital and eight Medicare-certified nursing homes, according to data updated in 2026. About 23% of its roughly 346,000 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.
St. Johns County at a Glance
| County seat | St. Augustine |
|---|---|
| Incorporated places | St. Augustine, St. Augustine Beach and part of Marineland |
| Other communities | Ponte Vedra Beach, St. Johns, Fruit Cove, Palm Valley, Nocatee and Hastings |
| Population | 346,328 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 22.5% |
| People with Medicare | 80,245 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 49,368 (61.5%) |
| In Medicare Advantage or other health plans | 30,877 (38.5%) |
| Medicare-certified hospitals | 2 general hospitals |
| Rehabilitation | 1 rehabilitation hospital |
| Medicare-certified nursing homes | 8 |
| Medicare-certified dialysis facilities | 3 |
| Free Medicare counseling | SHINE through ElderSource, (904) 391-6600 |
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.
St. Johns County is the coastal heart of our Northeast Florida Medicare Supplement region, from Ponte Vedra Beach and the St. Johns and Fruit Cove area in the north to St. Augustine and the beaches in the south. Flagler Hospital serves St. Augustine, Ascension St. Vincent’s St. Johns County serves the northern part of the county, and Jacksonville hospitals are close by.
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Medicare Supplement Plans in St. Johns County
Of the 80,245 people with Medicare in St. Johns County, 49,368 (61.5%) 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 35,416 St. Johns County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for St. Johns County Residents
- A large Original Medicare population: CMS counts 49,368 St. Johns County residents in Original Medicare, 61.5% of the county’s Medicare population and well above the statewide share of about 43%. A Medicare Supplement plan pays the same way at the county’s hospitals and at Jacksonville hospitals.
- Seasonal residents: A Medigap plan works anywhere in the United States that accepts Medicare, so it covers care here and back home for part-year residents. Many Medicare Advantage plans limit routine care outside their service area.
- 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 4,934 St. Johns 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 St. Johns 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 Flagler Hospital, Ascension St. Vincent’s St. Johns County, a Jacksonville 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 Flagler Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a St. Johns 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 St. Johns 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 St. Johns County
CMS lists two general hospitals in St. Johns County, both with emergency departments. Ascension St. Vincent’s St. Johns County holds a CMS overall rating of 4 of 5 stars. Flagler Hospital in St. Augustine holds 3 stars in the 2026 data.
Encompass Health Rehabilitation Hospital of St. Augustine provides inpatient rehabilitation after a stroke, surgery or serious illness. For specialists, residents can also use hospitals in Jacksonville, and a Medicare Supplement plan covers them the same way.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ascension St. Vincent’s St. Johns County | Acute care | 205 Trinity Way, St. Johns, FL 32259 | (904) 450-6020 | 4 of 5 stars | Care Compare | Directions |
| Flagler Hospital | Acute care | 400 Health Park Blvd, Saint Augustine, FL 32086 | (904) 819-5155 | 3 of 5 stars | Care Compare | Directions |
Rehabilitation and Long-Term Care Hospitals
| Facility | Type | Address | Links |
|---|---|---|---|
| Encompass Health Rehabilitation Hospital of St. Augustine | Inpatient rehabilitation | 65 Silver Lane, Saint Augustine, FL 32084 | 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 St. Johns County
The map shows St. Johns County’s hospitals, rehabilitation hospital and nursing homes. 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 St. Johns County
CMS lists eight Medicare-certified nursing homes in St. Johns County with 720 certified beds. Six hold 5 stars, the highest CMS overall rating. One holds 2 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 8 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Clyde E. Lassen State Veterans Nursing Home | 4650 State Rd 16, Saint Augustine, FL 32092 | (904) 940-2193 | 120 | 5 of 5 | Care Compare | Directions |
| The Lilac at Bayview | 161a Marine Street, Saint Augustine, FL 32084 | (904) 829-3475 | 120 | 2 of 5 | Care Compare | Directions |
| Moultrie Creek Nursing and Rehab Center | 200 Mariner Health Way, Saint Augustine, FL 32086 | (904) 797-1800 | 120 | 5 of 5 | Care Compare | Directions |
| The Ponce Therapy Care Center and Rehab | 1999 Old Moultrie Road, Saint Augustine, FL 32086 | (904) 824-3311 | 120 | 5 of 5 | Care Compare | Directions |
| St. Augustine Health and Rehabilitation Center | 51 Sunrise Blvd, Saint Augustine, FL 32084 | (904) 824-4479 | 120 | 1 of 5 | Care Compare | Directions |
| Vicar’s Landing Nursing Home | 1003 York Road, Ponte Vedra Beach, FL 32082 | (904) 285-1055 | 30 | 5 of 5 | Care Compare | Directions |
| Westminster St. Augustine | 230 Towerview Drive, Saint Augustine, FL 32092 | (904) 940-4801 | 30 | 5 of 5 | Care Compare | Directions |
| Westminster Woods on Julington Creek | 25 State Road 13, Jacksonville, FL 32259 | (904) 287-7300 | 60 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. CMS currently marks St. Augustine Health and Rehabilitation Center with its abuse icon, which means the facility was cited for abuse or potential abuse. Vicar’s Landing Nursing Home, Westminster Woods on Julington Creek and Westminster St. Augustine are inside continuing care retirement communities and may limit admission to their own residents, and the Clyde E. Lassen State Veterans Nursing Home admits eligible veterans. Care Compare explains the details.
Home Health, Hospice and Dialysis in St. Johns County
- Home health: CMS lists six Medicare-certified home health agencies with offices in St. Johns 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: CMS lists no hospice agency based in St. Johns County. Hospice agencies based in Jacksonville 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 three dialysis facilities in St. Johns County, all in St. Augustine. 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 St. Johns County
These public and nonprofit resources help St. Johns 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 ElderSource, the Area Agency on Aging for Northeast Florida | 10688 Old St. Augustine Rd, Jacksonville, FL 32257 (904) 391-6600 or 1-888-242-4464 floridashine.org |
| Florida Department of Health in St. Johns County | Public health services, vaccinations and clinic locations | 200 San Sebastian View, St. Augustine, FL 32084 (904) 506-6081 stjohns.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 |
St. Johns County Medicare FAQs
How many people in St. Johns County use Original Medicare?
CMS counts 80,245 people with Medicare in St. Johns County as of June 2026. Of them, 49,368 (61.5%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 30,877 are in Medicare Advantage or other health plans.
What would a hospital stay at Flagler 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 Jacksonville 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 St. Johns County, Jacksonville or anywhere else.
Should St. Johns 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 St. Johns County?
CMS lists two general hospitals: Flagler Hospital in St. Augustine and Ascension St. Vincent’s St. Johns County. Both have emergency departments.
Where can I get free Medicare counseling in St. Johns County?
SHINE offers free, unbiased Medicare counseling through ElderSource, the Area Agency on Aging for Northeast Florida. Call (904) 391-6600 or 1-888-242-4464.
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: St. Johns 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.
- ElderSource. ElderSource. Accessed October 9, 2026.
- Florida Department of Health in St. Johns County. 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 St. Johns County
Plan benefits are the same from every carrier, but premiums in St. Johns 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 St. Johns County
I help people with Medicare Supplement plans in every city, town and community in St. Johns County, including these with their own local pages.
- Butler Beach
- Crescent Beach
- Hastings
- Nocatee
- St. Augustine Shores
- St. Augustine South
- Sawgrass
- Vilano Beach
- World Golf Village
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216