Panama City-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Bay County, FL has 44,283 Medicare beneficiaries per CMS Q1 2024 data, with about 43% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, Florida Blue, UnitedHealthcare. We compare these plans for free and never charge a fee.
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At roughly 43% MA penetration, most of Bay County's 44,283 Medicare beneficiaries stay on Original Medicare, frequently paired with a Medigap policy. That pattern usually signals retirees here prize provider choice and predictable out-of-pocket costs over the lower premiums of MA. Humana currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 18 Medicare Advantage plans are available in Bay County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Bay County different: Bay County is a Florida Panhandle Gulf Coast and military community (Tyndall Air Force Base, Naval Support Activity Panama City) that rebuilt after Hurricane Michael's 2018 Category 5 direct hit; about 42% of its 42,521 Medicare beneficiaries are enrolled in Medicare Advantage, below the statewide 60% average.
Humana
4-star CMS rating
Florida Blue (BlueMedicare)
4-star CMS rating
UnitedHealthcare
4-star CMS rating
WellCare
3.5-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Bay County has 2 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Bay County: Florida SHINE - Bay — call 1-800-963-5337. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Bay County plans that fit your situation.
About 44,283 Floridians in Bay County are enrolled in Medicare as of May 2026 CMS data. About 43% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Bay County are Humana, Florida Blue (BlueMedicare), UnitedHealthcare, WellCare. We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE - Bay (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Sacred Heart Bay (Panama City), HCA Florida Gulf Coast Hospital (Panama City).
As of May 2026, about 18 Medicare Advantage plans are available to Bay County residents, led by Humana Inc., UnitedHealth Group, Inc., Guidewell Mutual Holding Corporation, Health Care Service Corporation. We compare all of them side by side at no cost.
Bay County, hit hard by Hurricane Michael, has seen a lower-than-average enrollment in Medicare Advantage plans at 42%, compared to the statewide 60% average. This reflects the community's unique rebuilding process and preferences.
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th each year, or during Special Enrollment Periods if you have a qualifying life event. Always consult with your local Giron Agency agent for personalized advice.
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