Final Expense in Duval County, Florida. About 195,413 Medicare beneficiaries live here, with roughly 54 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and Florida Blue BlueMedicare. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.

Duval County Final Expense Plans

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Matt Giron

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Duval County Final Expense — quick answer

Duval County, FL has about 1,011,000 residents per the 2024 ACS 5-year estimates (14% age 65 or older). The leading insurance carriers serving the county for final expense include Humana Gold Plus H1036, Florida Blue BlueMedicare, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare options at no cost to you.

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The Duval County final expense market

Duval County has about 1,011,000 residents, 14% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana Gold Plus H1036, Florida Blue BlueMedicare, UnitedHealthcare AARP Medicare Advantage Plan 1 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Gold Plus H1036 against every other carrier serving Duval County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).

Duval County at a glance

Population (2024 ACS)
1,011,000
Medicare beneficiaries
195,413
MA penetration
54%
Age 65 or older
14%

What makes Duval County different: Highest veteran population per capita of any large FL county. Mayo Clinic Jacksonville is a major MA-network anchor.

Top carriers in Duval County

  • Humana Gold Plus H1036 (HMO)

    4-star CMS rating

  • Florida Blue BlueMedicare (HMO)

    4-star CMS rating

  • UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)

    4-star CMS rating

Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.

Before you enroll: verify your hospital + doctor in Duval County

Each Final Expense plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Duval County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.

Major hospitals to verify

  • Mayo Clinic Florida
  • UF Health Jacksonville
  • Baptist Medical Center Jacksonville

Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.

Top Duval carriers — network lookup

Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.

Want to talk it through?

Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Duval County plans that fit your situation.

Local resources in Duval County

Frequently Asked Questions

How many people live in Duval County?

Duval County has about 1,011,000 residents per the 2024 ACS 5-year estimates; 14% are age 65 or older.

Who are the top insurers in Duval County?

The largest carriers in Duval County are Humana Gold Plus H1036 (HMO), Florida Blue BlueMedicare (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.

What state resources are available in Duval County?

Florida SHINE — Duval (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Mayo Clinic Florida, UF Health Jacksonville, Baptist Medical Center Jacksonville.

How does the high veteran population affect final expense insurance options?

In Duval County, with its highest veteran population per capita, a local agent can provide tailored advice and coverage options that consider unique needs. Veterans may find specific plans more beneficial due to their particular circumstances.

When is the best time to enroll in final expense insurance?

Enrollment timing varies; it's generally wise to review your options during Annual Enrollment Period (AEP) from Oct 15 to Dec 7, or Special Enrollment Periods (SEPs) if there are life changes. Early consultation with a local agent can help ensure you have coverage when needed.

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