Medicare Supplement in Suwannee County, Florida. About 12,576 Medicare beneficiaries live here, with roughly 53 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.
Suwannee County Medicare Supplement — quick answer
Suwannee County, FL has 12,576 Medicare beneficiaries per CMS Q1 2024 data, with about 53% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare, Preferred Care Partners. We compare these plans for free and never charge a fee.
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The Suwannee County medicare supplement market
About 53% of Suwannee County's 12,576 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. 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 11 Medicare Advantage plans are available in Suwannee County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Suwannee County at a glance
Population (2024 ACS)
48,495
Medicare beneficiaries
12,576
MA penetration
53%
Age 65 or older
21%
What makes Suwannee County different: Live Oak, the Suwannee County seat, lost its inpatient hospital when Shands Live Oak was acquired by HCA and converted to emergency-only on May 1, 2020; residents now rely on the 12-bed HCA Florida Suwannee Emergency ER (an extension of Lake City Hospital) and travel 25+ miles for inpatient care, making telehealth and Medicare access acute issues in this farming and timber county.
Top Medicare Advantage plans in Suwannee County
Humana
4.5-star CMS rating
UnitedHealthcare
4.5-star CMS rating
Preferred Care Partners (UnitedHealth)
4-star CMS rating
WellCare (Centene)
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 Suwannee 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. Suwannee County has 2
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
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: HCA Florida Suwannee Emergency (Live Oak, 12-bed freestanding ER), HCA Florida Lake City Hospital (nearest inpatient)
Frequently Asked Questions
How many Medicare beneficiaries live in Suwannee County?▾
About 12,576 Floridians in Suwannee 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 Suwannee County?▾
The largest carriers in Suwannee County are Humana, UnitedHealthcare, Preferred Care Partners (UnitedHealth), 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 Suwannee County?▾
Florida SHINE — Suwannee County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Suwannee Emergency (Live Oak, 12-bed freestanding ER), HCA Florida Lake City Hospital (nearest inpatient).
How many Medicare Advantage plans are available in Suwannee County?▾
As of May 2026, about 11 Medicare Advantage plans are available to Suwannee County residents, led by Humana Inc., UnitedHealth Group, Inc., CVS Health Corporation, Guidewell Mutual Holding Corporation. We compare all of them side by side at no cost.
How does the lack of an inpatient hospital affect Medicare Supplement coverage in Suwannee County?▾
Due to Shands Live Oak's conversion to a freestanding emergency room, residents must travel up to 25+ miles for inpatient care. This makes it crucial to understand your Medicare Supplement options, like Plans G, N, and high-deductible G, which can help cover out-of-network providers.
When is the best time to enroll in a Medicare Supplement plan?▾
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th each year. Additionally, you may qualify for Special Enrollment Periods if your coverage ends or changes. It's important to consult with a local agent to review your options and ensure you choose the right plan.
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