Chipley-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt & Robin Giron
Licensed in Texas and Florida
Washington County, FL has 4,861 Medicare beneficiaries per CMS Q1 2024 data, with about 43% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare, Florida Blue Medicare. We compare these plans for free and never charge a fee.
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At roughly 43% MA penetration, most of Washington County's 4,861 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 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.
What makes Washington County different: Washington County is a rural, medically underserved Panhandle county whose only hospital, the 59-bed Northwest Florida Community Hospital in Chipley, is a federally designated Critical Access Hospital. The county sits along I-10 between Panama City and Tallahassee with an economy rooted in agriculture and timber.
Humana
3.5-star CMS rating
UnitedHealthcare (AARP)
4-star CMS rating
Florida Blue Medicare
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
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. Washington County has 2 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Washington County: Florida SHINE — Washington County — 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.
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.
Check SEP eligibility (15-min) →Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Washington County plans that fit your situation.
About 4,861 Floridians in Washington County are enrolled in Medicare as of 2024 CMS data. About 43% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Washington County are Humana, UnitedHealthcare (AARP), Florida Blue Medicare. We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Washington County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Northwest Florida Community Hospital (Chipley, Critical Access), Doctors Memorial Hospital (Bonifay, Holmes County, adjacent).
In Washington County, the only hospital is a federally designated Critical Access Hospital with just 59 beds. Our local agents can help you understand how Medicare Advantage plans can provide comprehensive coverage while catering to the unique healthcare needs of this rural community.
You can enroll during Annual Enrollment Period (AEP) from October 15 to December 7 each year. Our agents are here to help you compare plans and make the best decision for your needs, ensuring you have the coverage you need throughout the year.
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