Medicare Advantage in Franklin County, Florida. About 3,615 Medicare beneficiaries live here, with roughly 53 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare / AARP. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Franklin County, FL has 3,615 Medicare beneficiaries per CMS Q1 2024 data, with about 53% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare / AARP, WellCare — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP. We compare these plans for free and never charge a fee.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
The Franklin County medicare advantage market
About 53% of Franklin County's 3,615 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. The county skews older than the Florida average (27% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. 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 14 Medicare Advantage plans are available in Franklin County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Franklin County at a glance
Population (2024 ACS)
12,553
Medicare beneficiaries
3,615
MA penetration
53%
Age 65 or older
27%
What makes Franklin County different: Franklin County's economy historically depended on Apalachicola Bay, which once produced over 90% of Florida's oysters; after years of decline the bay was closed to all oyster harvesting in 2020 (a five-year closure adopted in 2021) until a limited reopening Jan. 1, 2026, leaving the local economy heavily tourism-dependent and accelerating its shift toward a retiree-heavy population (median age ~50, well above Florida's ~42) served by a single 25-bed critical-access hospital.
Top Medicare Advantage plans in Franklin County
Humana (HumanaChoice Florida PPO / Value & USAA Honor Giveback)
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 Franklin County
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. Franklin County has 2
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
▸George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital
▸Tallahassee Memorial HealthCare (regional referral, ~75 miles)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
WellCare — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP 4★
Search "WellCare (Centene) provider directory" or call the carrier directly.
Free help in Franklin County: Florida SHINE — Franklin — 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.
Medicare AEP opens in 131 days
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.
Major hospitals: George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital, Tallahassee Memorial HealthCare (regional referral, ~75 miles)
Frequently Asked Questions
How many Medicare beneficiaries live in Franklin County?▾
About 3,615 Floridians in Franklin County are enrolled in Medicare as of May 2026 CMS data. About 53% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Franklin County?▾
The largest carriers in Franklin County are Humana (HumanaChoice Florida PPO / Value & USAA Honor Giveback), UnitedHealthcare / AARP (incl. UHC Dual Complete D-SNP), WellCare (Centene) — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What SHIP resources are available in Franklin County?▾
Florida SHINE — Franklin (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital, Tallahassee Memorial HealthCare (regional referral, ~75 miles).
How many Medicare Advantage plans are available in Franklin County?▾
As of May 2026, about 14 Medicare Advantage plans are available to Franklin County residents, led by UnitedHealth Group, Inc., Humana Inc., Guidewell Mutual Holding Corporation, Elevance Health, Inc.. We compare all of them side by side at no cost.
Hey 👋 — I'm trained on every page of gironagency.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
