Medicare Supplement Plans in Washington County, Florida: Chipley
What Medicare Supplement plans pay in Washington County in 2026, with cost examples, a cost calculator, local hospitals and free Medicare help
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Medicare in Washington County, Florida
Washington County, a rural county in the Florida Panhandle with Chipley as its seat, has one Medicare-certified hospital, Northwest Florida Community Hospital, and two Medicare-certified nursing facilities, according to CMS data updated in 2026. About 21% of its roughly 27,000 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.
Washington County at a Glance
| County seat | Chipley |
|---|---|
| Incorporated cities and towns | Chipley, Vernon, Caryville, Ebro and Wausau |
| Population | 26,695 (U.S. Census Bureau estimate, July 1, 2025) |
| Residents 65 and older | 20.6% |
| People with Medicare | 6,089 (CMS, June 2026) |
| In Original Medicare, where a Medigap plan can be added | 3,070 (50.4%) |
| In Medicare Advantage or other health plans | 3,019 (49.6%) |
| Medicare-certified hospitals | 1 critical access hospital |
| Medicare-certified nursing homes | 2, including the hospital’s skilled nursing unit |
| Medicare-certified dialysis facilities | 1, in Chipley |
| 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.
Washington County is part of our Florida Panhandle Medicare Supplement region, a rural county along Interstate 10 between Holmes and Bay counties. Its hospital is in Chipley, and residents travel to Panama City, Marianna, Bonifay or Dothan, Alabama for more specialized care.
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Medicare Supplement Plans in Washington County
Of the 6,089 people with Medicare in Washington County, 3,070 (50.4%) 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 1,706 Washington County residents have a stand-alone Part D drug plan, the type of drug coverage people with a Medigap plan use.
What Matters for Washington County Residents
- Care across county and state lines: Many Washington County residents see specialists in Panama City, Marianna or Dothan, Alabama. A Medicare Supplement plan pays the same way in Florida and Alabama, with no networks to check.
- Transfers and ambulance rides: Part B covers medically necessary ambulance rides, and you normally pay 20% after the Part B deductible. Plan G and Plan N pay that 20%, which matters for transfers to larger hospitals.
- 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 1,237 Washington 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 Washington 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 Northwest Florida Community Hospital, a hospital in Panama City or Dothan 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 Northwest Florida Community Hospital plus 8 doctor visits and $1,500 in tests | Hospital stay and rehab the same stay plus 25 days at a Washington 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 Washington 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.
Medicare-Certified Hospital in Washington County
Northwest Florida Community Hospital in Chipley is Washington County’s only hospital and has an emergency department. It is a critical access hospital, a small rural hospital type with no more than 25 inpatient beds that Medicare designates to keep hospital care available far from larger medical centers. It has a CMS overall rating of 2 of 5 stars. Patients who need surgery or specialty care are often transferred to larger hospitals in neighboring counties.
| Hospital | Type | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Northwest Florida Community Hospital | Critical access | 1360 Brickyard Rd, Chipley, FL 32428 | (850) 638-1610 | 2 of 5 stars | Care Compare | Directions |
Nearest Hospitals Outside Washington County
Doctors Memorial Hospital in Bonifay is northwest of Chipley and Jackson Hospital is east in Marianna. Larger hospitals are south in Panama City and north in Dothan, Alabama.
| Hospital | County | Address | Phone | CMS overall rating | Links |
|---|---|---|---|---|---|
| Doctors Memorial Hospital | Holmes | 2600 Hospital Dr, Bonifay, FL 32425 | (850) 547-1120 | 2 of 5 stars | Care Compare | Directions |
| Jackson Hospital | Jackson | 4250 Hospital Dr, Marianna, FL 32446 | (850) 526-2200 | 1 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 |
| HCA Florida Gulf Coast Hospital | Bay | 449 W 23rd St, Panama City, FL 32405 | (850) 747-7926 | 2 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. Many critical access hospitals are too small to receive an overall rating.
Map of Medicare-Certified Facilities in and Near Washington County
The map shows Washington County’s hospital and nursing homes in Chipley along with the nearest hospitals in Bonifay, Marianna and Panama City. Click a marker for the address, phone number and driving directions in Google Maps.
Medicare-Certified Nursing Homes in Washington County
CMS lists two Medicare-certified nursing facilities in Washington County with 214 certified beds. Washington Rehabilitation and Nursing Center has 180 beds and a CMS overall rating of 5 of 5 stars. The skilled nursing unit at Northwest Florida Community Hospital has 34 beds and 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 |
|---|---|---|---|---|---|
| Northwest Florida Community Hospital (skilled nursing unit) | 1360 Brickyard Rd, Chipley, FL 32428 | (850) 415-7400 | 34 | 4 of 5 | Care Compare | Directions |
| Washington Rehabilitation and Nursing Center | 879 Usery Road, Chipley, FL 32428 | (850) 638-4654 | 180 | 5 of 5 | Care Compare | Directions |
Ratings are CMS overall nursing home ratings from the Provider Information dataset released October 2026. Nursing homes in Holmes, Jackson and Bay counties are also options, so search Care Compare by ZIP code to compare ratings.
Home Health, Hospice and Dialysis in Washington County
- Home health: CMS lists one Medicare-certified home health agency with an office in Washington County, NHC HomeCare in Chipley, (850) 638-8118. 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 every agency that serves your home.
- Hospice: CMS lists no hospice agency based in Washington County. Agencies based in 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 one dialysis facility in Washington County, DaVita Chipley Dialysis, (850) 638-7783. 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 Washington County
These public and nonprofit resources help Washington 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 Advantage Aging Solutions, the Area Agency on Aging for North Florida | 2414 Mahan Drive, Tallahassee, FL 32308 (850) 488-0055 or 1-800-963-5337 floridashine.org |
| Florida Department of Health in Washington County | Public health services, vaccinations and clinic services | 1338 South Blvd, Chipley, FL 32428 (850) 638-6240 washington.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 |
Washington County Medicare FAQs
How many people in Washington County use Original Medicare?
CMS counts 6,089 people with Medicare in Washington County as of June 2026. Of them, 3,070 (50.4%) use Original Medicare, the coverage a Medicare Supplement plan works with, and 3,019 are in Medicare Advantage or other health plans.
What would a hospital stay at Northwest Florida Community 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.
Does Medicare cover a transfer from Northwest Florida Community Hospital to a larger hospital?
Medicare Part B covers medically necessary ambulance transport to the nearest appropriate facility. After the $283 Part B deductible you normally pay 20% of the approved amount, and Plan G and Plan N pay that 20%. A new hospital admission is covered under Part A.
Should Washington 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.
Will my Medicare Supplement plan cover care in Dothan, Alabama?
Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Medicare, so the same plan covers care in Chipley, Panama City, Dothan or anywhere else. There are no provider networks or state lines to worry about.
Is there a hospital in Washington County?
Yes. Northwest Florida Community Hospital in Chipley is the county’s only hospital, a critical access hospital with an emergency department and a CMS overall rating of 2 of 5 stars. The nearest other hospitals are in Bonifay, Marianna and Panama City.
Where can I get free Medicare counseling in Washington County?
SHINE offers free, unbiased Medicare counseling through Advantage Aging Solutions, the Area Agency on Aging for North Florida. Call (850) 488-0055 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, 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: Washington 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.
- Advantage Aging Solutions. Advantage Aging Solutions. Accessed October 9, 2026.
- Florida Department of Health in Washington County. Contact Us. Accessed October 9, 2026.
- Medicare.gov. Ambulance services. 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 Washington County
Plan benefits are the same from every carrier, but premiums in Washington 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 Washington County
Medicare Supplement plans work the same way in every Washington 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 Chipley
The Washington County seat, a small Panhandle town with a steady senior population. About 3,683 people live in Chipley, and about 616 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 Northwest Florida Community Hospital in Chipley, about 1 mile 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 Washington County
I help people with Medicare Supplement plans in every city, town and community in Washington County.
- Caryville
- Chipley
- Ebro
- Vernon
- Wausau
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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