Medicare Advantage in Hamilton County, Florida. About 3,303 Medicare beneficiaries live here, with roughly 37 percent in Medicare Advantage plans. Top carriers include Humana Full Access Giveback H5216-393 and Humana Full Access Giveback H7617-111. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Hamilton County Medicare Advantage — quick answer
Hamilton County, FL has 3,303 Medicare beneficiaries per CMS Q1 2024 data, with about 37% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana Full Access Giveback H5216-393, Humana Full Access Giveback H7617-111, AARP Medicare Advantage from UnitedHealthcare FL-0009. We compare these plans for free and never charge a fee.
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The Hamilton County medicare advantage market
At roughly 37% MA penetration, most of Hamilton County's 3,303 Medicare beneficiaries stay on Original Medicare, frequently paired with a Medigap policy. That pattern usually signals retirees here prize provider choice and predictable out-of-pocket costs over the lower premiums of MA. Humana Full Access Giveback H5216-393 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.
Hamilton County at a glance
Population (2024 ACS)
13,616
Medicare beneficiaries
3,303
MA penetration
37%
Age 65 or older
19%
What makes Hamilton County different: Hamilton County has had no hospital of its own since the former Hamilton County Memorial Hospital sold its operating assets to Columbia/HCA in 1994, so its roughly 3,300 Medicare beneficiaries rely on out-of-county facilities -- the full-service HCA Florida Lake City Hospital in Columbia County and the critical-access Madison County Memorial Hospital, plus an ER-only HCA Florida Suwannee Emergency in Live Oak (the former Shands hospital, converted to emergency-only in 2020). Its senior share is unusually low for Florida because the population includes the ~1,177-capacity Hamilton Correctional Institution in Jasper and a phosphate-mining workforce (Nutrien's White Springs operation employs roughly 600+ near White Springs), keeping the median age at about 41.
Top Medicare Advantage plans in Hamilton County
Humana Full Access Giveback H5216-393 (PPO)
3.5-star CMS rating
Humana Full Access Giveback H7617-111 (PPO)
4.5-star CMS rating
AARP Medicare Advantage from UnitedHealthcare FL-0009 (HMO-POS)
4.5-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 Hamilton 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. Hamilton 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
â–¸HCA Florida Lake City Hospital (Lake City, Columbia County)
â–¸Madison County Memorial Hospital (Madison)
â–¸HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak 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.
AARP Medicare Advantage from UnitedHealthcare FL-0009 4.5★
Search "AARP Medicare provider directory" or call the carrier directly.
Free help in Hamilton County: Florida SHINE -- Hamilton — 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 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 Hamilton County plans that fit your situation.
Major hospitals: HCA Florida Lake City Hospital (Lake City, Columbia County), Madison County Memorial Hospital (Madison), HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak Regional Medical Center)
Frequently Asked Questions
How many Medicare beneficiaries live in Hamilton County?â–¾
About 3,303 Floridians in Hamilton County are enrolled in Medicare as of 2024 CMS data. About 37% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Hamilton County?â–¾
The largest carriers in Hamilton County are Humana Full Access Giveback H5216-393 (PPO), Humana Full Access Giveback H7617-111 (PPO), AARP Medicare Advantage from UnitedHealthcare FL-0009 (HMO-POS). 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 Hamilton County?â–¾
Florida SHINE -- Hamilton (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Lake City Hospital (Lake City, Columbia County), Madison County Memorial Hospital (Madison), HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak Regional Medical Center).
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