Lake County at a glance
- Population (2024 ACS)
- 422,000
- Medicare beneficiaries
- 124,541
- MA penetration
- 59%
- Age 65 or older
- 29%
What makes Lake County different: Adjacent to The Villages — significant retiree overflow into Clermont, Leesburg, Tavares.
Medicare Supplement in Lake County, Florida. About 124,541 Medicare beneficiaries live here, with roughly 59 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and WellCare Premier. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Lake County Medicare Supplement Plans
Clermont-area carriers, real enrollment data, free quotes from a licensed Florida agent.
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Matt Giron
Licensed in Texas
Lake County Medicare Supplement — quick answer
Lake County, FL has 124,541 Medicare beneficiaries per CMS Q1 2024 data, with about 59% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H1036, WellCare Premier, Florida Blue BlueMedicare. We compare these plans for free and never charge a fee.
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The Lake County medicare supplement market
About 59% of Lake County's 124,541 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 (29% 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 Gold Plus H1036 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 37 Medicare Advantage plans are available in Lake County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Top Medicare Advantage plans in Lake County
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Humana Gold Plus H1036 (HMO)
4-star CMS rating
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WellCare Premier (HMO)
4-star CMS rating
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Florida Blue BlueMedicare (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 Lake County
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Lake 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 Waterman
- South Lake Hospital
- Leesburg Regional Medical Center
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Top Lake carriers — network lookup
- Humana Gold Plus H1036 4★
Humana provider finder ↗ - WellCare Premier 4★
Search "WellCare Premier provider directory" or call the carrier directly. - Florida Blue BlueMedicare 4★
Florida Blue Medicare directory ↗
Free help in Lake County: Florida SHINE — Lake — 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.
Check SEP eligibility (15-min) →Want to talk it through?
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Lake County plans that fit your situation.
Local resources in Lake County
- SHIP counseling: Florida SHINE — Lake — 1-800-963-5337
- Major hospitals: AdventHealth Waterman, South Lake Hospital, Leesburg Regional Medical Center
Frequently Asked Questions
How many Medicare beneficiaries live in Lake County?
About 124,541 Floridians in Lake County are enrolled in Medicare as of May 2026 CMS data. About 59% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Lake County?
The largest carriers in Lake County are Humana Gold Plus H1036 (HMO), WellCare Premier (HMO), Florida Blue BlueMedicare (HMO). 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 Lake County?
Florida SHINE — Lake (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Waterman, South Lake Hospital, Leesburg Regional Medical Center.
How many Medicare Advantage plans are available in Lake County?
As of May 2026, about 37 Medicare Advantage plans are available to Lake County residents, led by UnitedHealth Group, Inc., Humana Inc., Elevance Health, Inc., CVS Health Corporation. We compare all of them side by side at no cost.
How does the high concentration of retirees in Clermont and Leesburg affect my Medicare supplement options?
Given the significant retiree population in Clermont, Leesburg, and Tavares, there's a strong local presence from top carriers like Humana Gold Plus H1036. This ensures you have access to comprehensive plans G, N, and high-deductible G that fit well with your needs.
When can I enroll in Medicare Supplement plans during the year?
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th. Additionally, you may qualify for Special Enrollment Periods (SEPs) if there are changes in your health or coverage. Always consult a licensed agent for personalized guidance.