Medicare Supplement in Baker County, Florida. About 4,251 Medicare beneficiaries live here, with roughly 33 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Baker County, FL has 4,251 Medicare beneficiaries per CMS Q1 2024 data, with about 33% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare. We compare these plans for free and never charge a fee.
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The Baker County medicare supplement market
At roughly 33% MA penetration, most of Baker County's 4,251 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.
Baker County at a glance
Population (2024 ACS)
29,325
Medicare beneficiaries
4,251
MA penetration
33%
Age 65 or older
15%
What makes Baker County different: Rural Baker County, anchored by the seat of Macclenny in northeast Florida, has an unusually low Medicare Advantage penetration of about 33% — far below the Florida average — leaving most beneficiaries in Original Medicare and Medigap. Its economy is heavily tied to two major institutional employers: the 25-bed Ed Fraser Memorial Hospital and the 613-bed Northeast Florida State Hospital.
Top Medicare Advantage plans in Baker County
Humana
4.5-star CMS rating
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 Baker 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. Baker County has 2
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
▸Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny)
▸Northeast Florida State Hospital (Macclenny)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
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 Baker County plans that fit your situation.
Major hospitals: Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny), Northeast Florida State Hospital (Macclenny)
Frequently Asked Questions
How many Medicare beneficiaries live in Baker County?▾
About 4,251 Floridians in Baker County are enrolled in Medicare as of 2024 CMS data. About 33% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Baker County?▾
The largest carriers in Baker County are Humana, 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 Baker County?▾
Florida SHINE — Baker County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny), Northeast Florida State Hospital (Macclenny).
Why is Medicare Advantage less popular here compared to other areas?▾
In rural Baker County, only about 33% of beneficiaries choose Medicare Advantage; most remain in Original Medicare and Medigap due to the county's unique healthcare landscape.
When can I enroll in a Medicare Supplement plan?▾
You can enroll during Annual Enrollment Period (Oct 15-Dec 7) or Special Enrollment Periods if you have a life event. Our agents are here to help guide you through the process at no cost.
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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.
