Medicare Supplement Plans and Medicare Resources in Walton County, Florida
What Medicare Supplement plans pay in Walton County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Walton County, Florida
Walton County, home to DeFuniak Springs, Freeport and the beach communities along Scenic Highway 30A, sits between Okaloosa and Bay counties. CMS lists two Medicare-certified hospitals and two Medicare-certified nursing homes in the county, according to data updated in 2026. About 21% of its roughly 93,000 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.
Walton County at a Glance
| County seat | DeFuniak Springs |
|---|---|
| Incorporated cities and town | DeFuniak Springs, Freeport and Paxton |
| Other communities | Santa Rosa Beach, Miramar Beach, Inlet Beach and Mossy Head |
| Population | 93,288 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 21.1% |
| People with Medicare | 20,690 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 11,934 (57.7%) |
| In Medicare Advantage or other health plans | 8,756 (42.3%) |
| Medicare-certified hospitals | 2 general hospitals |
| Medicare-certified nursing homes | 2 |
| Medicare-certified dialysis facilities | 1 |
| Free Medicare counseling | SHINE, (850) 494-7101 |
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.
Walton County is part of our Florida Panhandle Medicare Supplement region, between Okaloosa and Bay counties. It runs from Miramar Beach, Santa Rosa Beach and the 30A beach towns on the Gulf north through Freeport to DeFuniak Springs and the Alabama line. It has hospitals in Miramar Beach and DeFuniak Springs, and larger hospitals in Fort Walton Beach and Panama City are within reach.
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Medicare Supplement Plans in Walton County
Of the 20,690 people with Medicare in Walton County, 11,934 (57.7%) 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 7,589 Walton County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Walton County Residents
- Hospitals across the Emerald Coast, one plan: Walton County residents use hospitals in Miramar Beach, DeFuniak Springs, Fort Walton Beach, Niceville and Panama City. A Medicare Supplement plan pays the same way at all of them, with no networks to check.
- A large Original Medicare population: CMS counts 11,934 Walton County residents in Original Medicare, 57.7% 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 1,903 Walton 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 Walton 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 Ascension Sacred Heart Emerald Coast, North Walton Doctors Hospital, HCA Florida Fort Walton-Destin 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 Ascension Sacred Heart Emerald Coast plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Walton 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 Walton 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 Walton County
CMS lists two general hospitals in Walton County, both with emergency departments. Ascension Sacred Heart Emerald Coast in Miramar Beach holds a CMS overall rating of 3 of 5 stars in the 2026 data. North Walton Doctors Hospital in DeFuniak Springs has no star rating in the current data.
HCA Florida DeFuniak Springs Emergency, a freestanding emergency room at 160 Twin Springs Way off Highway 331 just north of Interstate 10, opened in February 2026 as part of HCA Florida Twin Cities Hospital and is open 24/7, according to HCA Florida Healthcare. It is not a hospital, so it has no CMS listing of its own.
Show all 2 hospitals with ratings, phone numbers and directions
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Ascension Sacred Heart Emerald Coast | Acute care | 7800 US Hwy 98 W, Miramar Beach, FL 32550 | (850) 278-3600 | 3 of 5 stars | Care Compare | Directions |
| North Walton Doctors Hospital | Acute care | 4413 US Hwy 331 S, Defuniak Springs, FL 32435 | (850) 920-2065 | Not rated | Care Compare | Directions |
Nearby Larger Hospitals Outside Walton County
Both hospitals have emergency departments. Many Walton County residents also use hospitals in Niceville, Crestview and Pensacola for specialty care.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| HCA Florida Fort Walton-Destin Hospital | Okaloosa | 1000 Mar-Walt Dr, Fort Walton Beach, FL 32547 | (850) 862-1111 | 3 of 5 stars | Care Compare | Directions |
| Ascension Sacred Heart Bay | Bay | 615 N Bonita Ave, Panama City, FL 32401 | (850) 769-1511 | 3 of 5 stars | 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 and Near Walton County
The map shows Walton County’s hospitals and nursing homes in Miramar Beach and DeFuniak Springs, along with nearby hospitals in Fort Walton Beach and Panama City. The dialysis facility is listed below but not mapped. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Walton County
CMS lists two Medicare-certified nursing homes in Walton County with 277 certified beds. Chautauqua Springs Health Center in DeFuniak Springs holds 5 stars and Grand Boulevard Health and Rehabilitation Center in Miramar Beach holds 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 2 nursing homes with ratings and directions
| Nursing home | Address | Phone | Certified beds | CMS overall rating | Links |
|---|---|---|---|---|---|
| Chautauqua Springs Health Center | 785 S 2nd Street, Defuniak Springs, FL 32435 | (850) 892-2176 | 180 | 5 of 5 | Care Compare | Directions |
| Grand Boulevard Health and Rehabilitation Center | 138 Sandestin Lane, Miramar Beach, FL 32550 | (850) 267-2887 | 97 | 4 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Okaloosa and Bay counties are also options, so compare on Care Compare before you choose.
Home Health, Hospice and Dialysis in Walton County
- Home health: CMS lists no Medicare-certified home health agency with an office in Walton County. Agencies based in Okaloosa, Bay and other neighboring counties may serve your home, so search by your ZIP code on Medicare Care Compare. Medicare covers home health care with no coinsurance when you qualify.
- Hospice: CMS lists no hospice agency based in Walton County. Agencies based in neighboring counties may 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 one dialysis facility in Walton County: Fresenius Medical Care DeFuniak Springs, (850) 892-2119. Dialysis is a Part B service, so the 20% coinsurance applies, and every Medigap plan helps pay it.
- 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 Walton County
These public and nonprofit resources help Walton 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 Walton County | Public health services, vaccinations and clinic services | 362 State Hwy 83, DeFuniak Springs, FL 32433 (850) 892-8015 walton.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 |
Walton County Medicare FAQs
How many people in Walton County use Original Medicare?
CMS counts 20,690 people with Medicare in Walton County as of June 2026. Of them, 11,934 (57.7%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 8,756 are in Medicare Advantage or other health plans.
What would a hospital stay at Ascension Sacred Heart Emerald Coast 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 other counties?
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 Walton, Okaloosa or Bay counties or anywhere else.
Should Walton 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 Walton County?
CMS lists two general hospitals, Ascension Sacred Heart Emerald Coast in Miramar Beach and North Walton Doctors Hospital in DeFuniak Springs. Both have emergency departments. HCA Florida DeFuniak Springs Emergency is a freestanding emergency room that opened in 2026.
Where can I get free Medicare counseling in Walton 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, 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: Walton 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.
- HCA Florida Healthcare. DeFuniak Springs Emergency Opens in Walton County. Accessed October 9, 2026.
- Florida Department of Health in Walton County. Contact 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 Walton County
Plan benefits are the same from every carrier, but premiums in Walton 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 Walton County
Medicare Supplement plans work the same way in every Walton 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 Freeport
A growing small city in Walton County near Choctawhatchee Bay, north of the Emerald Coast beaches. About 6,689 people live in Freeport, and about 820 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 North Walton Doctors Hospital in Defuniak Springs, about 11 miles away in a straight line.
Medicare Supplement Plans in Santa Rosa Beach
A coastal area along Scenic Highway 30A on the Emerald Coast. The nearest Medicare-certified hospital on our county map is Ascension Sacred Heart Emerald Coast in Miramar Beach, about 5 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 Walton County
I help people with Medicare Supplement plans in every city, town and community in Walton County, including these with their own local pages.
- Freeport
- Miramar Beach
- Paxton
- Santa Rosa Beach
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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