Medicare Advantage in Gadsden County, Florida. About 8,858 Medicare beneficiaries live here, with roughly 68 percent in Medicare Advantage plans. Top carriers include Capital Health Plan and Humana. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Gadsden County, FL has 8,858 Medicare beneficiaries per CMS Q1 2024 data, with about 68% enrolled in Medicare Advantage. The top medicare advantage carriers are Capital Health Plan, Humana, UnitedHealthcare. We compare these plans for free and never charge a fee.
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The Gadsden County medicare advantage market
Gadsden County posts one of the highest Medicare Advantage adoption rates in Florida — roughly 68% of its 8,858 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. Capital Health Plan 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.
Gadsden County at a glance
Population (2024 ACS)
44,151
Medicare beneficiaries
8,858
MA penetration
68%
Age 65 or older
21%
What makes Gadsden County different: Gadsden is the only majority-Black county in Florida, and its seat Quincy was once among the wealthiest towns per capita in the U.S. thanks to the 'Coca-Cola millionaires' who invested local shade-tobacco fortunes into Coca-Cola stock. Medicare Advantage penetration here is the third-highest of any Florida county at roughly 68%, dominated by Tallahassee-based Capital Health Plan.
Top Medicare Advantage plans in Gadsden County
Capital Health Plan
5-star CMS rating
Humana
4.5-star CMS rating
UnitedHealthcare (AARP)
4.5-star CMS rating
Preferred Care Partners (UnitedHealthcare)
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 Gadsden 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. Gadsden 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
▸HCA Florida Gadsden Emergency (Quincy)
▸Tallahassee Memorial Gadsden Outpatient Rehabilitation Center (Quincy)
▸HCA Florida Capital Hospital (Tallahassee, serving Gadsden)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Top Gadsden carriers — network lookup
Capital Health Plan 5★
Search "Capital Health provider directory" or call the carrier directly.
Or skip the cross-checking — we run network checks against your prescriptions and doctors
at no cost during any consult.
Medicare AEP opens in 132 days
132 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.
Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Gadsden County plans that fit your situation.
Major hospitals: HCA Florida Gadsden Emergency (Quincy), Tallahassee Memorial Gadsden Outpatient Rehabilitation Center (Quincy), HCA Florida Capital Hospital (Tallahassee, serving Gadsden)
Frequently Asked Questions
How many Medicare beneficiaries live in Gadsden County?▾
About 8,858 Floridians in Gadsden County are enrolled in Medicare as of 2024 CMS data. About 68% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Gadsden County?▾
The largest carriers in Gadsden County are Capital Health Plan, Humana, UnitedHealthcare (AARP), Preferred Care Partners (UnitedHealthcare). 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 Gadsden County?▾
Florida SHINE — Gadsden County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Gadsden Emergency (Quincy), Tallahassee Memorial Gadsden Outpatient Rehabilitation Center (Quincy), HCA Florida Capital Hospital (Tallahassee, serving Gadsden).
Why is Medicare Advantage so popular in Gadsden County?▾
In Gadsden County, nearly 7 out of 10 Medicare beneficiaries choose Medicare Advantage due to its comprehensive coverage and local carrier Capital Health Plan's strong presence.
When can I enroll in a Medicare Advantage plan for the first time or switch plans?▾
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or during Special Enrollment Periods if you have qualifying life events. Always get free help from a local agent to compare options.
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about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt or Robin.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
