Medicare Part D in Highlands County, Florida. About 37,635 Medicare beneficiaries live here, with roughly 60 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Highlands County, FL has 37,635 Medicare beneficiaries per CMS Q1 2024 data, with about 60% enrolled in Medicare Advantage. The top medicare part d carriers are UnitedHealthcare, Humana, Aetna. We compare these plans for free and never charge a fee.
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The Highlands County medicare part d market
Highlands County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 60% of its 37,635 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Florida average. The county skews older than the Florida average (35% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. UnitedHealthcare 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 19 Medicare Advantage plans are available in Highlands County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Highlands County at a glance
Population (2024 ACS)
105,700
Medicare beneficiaries
37,635
MA penetration
60%
Age 65 or older
35%
What makes Highlands County different: Highlands County, anchored by Sebring and its Sun 'n Lake planned community, has one of the oldest populations in the nation -- about 35.1% of residents are 65 or older. Its economy leans on healthcare and citrus, and AdventHealth Sebring broke ground in 2026 on a roughly $130 million five-story cardiovascular tower to serve the aging Heartland region.
Top Medicare Advantage plans in Highlands County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4.5-star CMS rating
Aetna
4.5-star CMS rating
Florida Blue (Blue Cross Blue Shield of Florida)
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 Highlands County
Each Medicare Part D plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Highlands 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
▸AdventHealth Sebring
▸HCA Florida Highlands Hospital
▸AdventHealth Lake Placid
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
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: AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid
Frequently Asked Questions
How many Medicare beneficiaries live in Highlands County?▾
About 37,635 Floridians in Highlands County are enrolled in Medicare as of May 2026 CMS data. About 60% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Highlands County?▾
The largest carriers in Highlands County are UnitedHealthcare (AARP), Humana, Aetna, Florida Blue (Blue Cross Blue Shield of Florida). 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 Highlands County?▾
Florida SHINE -- Highlands County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid.
How many Medicare Advantage plans are available in Highlands County?▾
As of May 2026, about 19 Medicare Advantage plans are available to Highlands County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation, Blue Cross Blue Shield of Michigan Mutual Ins. Co.. We compare all of them side by side at no cost.
How does Medicare Part D work for seniors living in Highlands County?▾
In Highlands County, about 35.1% of residents are age 65 or older, making it one of the oldest populations in the nation. With major carriers like UnitedHealthcare and Humana offering standalone prescription drug plans, you can choose a plan that fits your needs.
When should I enroll in Medicare Part D?▾
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7 each year. However, if there are changes in your health status or coverage, you may qualify for a Special Election Period (SEP).
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