Medicare Supplement in Madison County, Florida. About 4,938 Medicare beneficiaries live here, with roughly 58 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Madison County, FL has 4,938 Medicare beneficiaries per CMS Q1 2024 data, with about 58% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare, WellCare. We compare these plans for free and never charge a fee.
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The Madison County medicare supplement market
About 58% of Madison County's 4,938 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 (23% 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 Madison County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Madison County at a glance
Population (2024 ACS)
18,089
Medicare beneficiaries
4,938
MA penetration
58%
Age 65 or older
23%
What makes Madison County different: Madison County is served by Madison County Memorial Hospital, a 25-bed not-for-profit facility that is one of only about 12 Critical Access Hospitals in Florida, and despite being a low-income rural county (per capita income roughly half the state average, ~21% poverty), its Medicare Advantage penetration of about 56% runs above the national average (~54%) though below Florida's high statewide rate (~60%), with Humana and UnitedHealthcare as the dominant MA carriers.
Top Medicare Advantage plans in Madison County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
WellCare (Centene)
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.
Before you enroll: verify your hospital + doctor in Madison 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. Madison County has 1
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
▸Madison County Memorial Hospital
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
WellCare 3.5★
Search "WellCare (Centene) provider directory" or call the carrier directly.
Free help in Madison County: Florida SHINE — Madison — 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.
How many Medicare beneficiaries live in Madison County?▾
About 4,938 Floridians in Madison County are enrolled in Medicare as of May 2026 CMS data. About 58% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Madison County?▾
The largest carriers in Madison County are Humana, UnitedHealthcare, WellCare (Centene). 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 Madison County?▾
Florida SHINE — Madison (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Madison County Memorial Hospital.
How many Medicare Advantage plans are available in Madison County?▾
As of May 2026, about 14 Medicare Advantage plans are available to Madison County residents, led by UnitedHealth Group, Inc., Humana Inc., Guidewell Mutual Holding Corporation, Centene Corporation. We compare all of them side by side at no cost.
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