Medicare Supplement in Gulf County, Florida. About 4,405 Medicare beneficiaries live here, with roughly 33 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare / AARP Medicare Advantage. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Gulf County, FL has 4,405 Medicare beneficiaries per CMS Q1 2024 data, with about 33% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare / AARP Medicare Advantage, Humana. We compare these plans for free and never charge a fee.
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The Gulf County medicare supplement market
At roughly 33% MA penetration, most of Gulf County's 4,405 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. The county skews older than the Florida average (24% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. 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.
Gulf County at a glance
Population (2024 ACS)
15,876
Medicare beneficiaries
4,405
MA penetration
33%
Age 65 or older
24%
What makes Gulf County different: Despite Florida leading the nation with roughly 57-60% of its Medicare population in Medicare Advantage, only about one-third (33%) of Gulf County's 4,405 Medicare beneficiaries choose MA, and the entire county is served by a single 19-bed rural hospital, Ascension Sacred Heart Gulf in Port St. Joe (Medicare CCN 100313), reflecting the limited provider networks of Florida's rural Panhandle.
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 Gulf 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. Gulf County has 1
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
▸Ascension Sacred Heart Gulf (Port St. Joe)
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 Gulf County: Florida SHINE — Gulf — 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 Gulf County plans that fit your situation.
Major hospitals: Ascension Sacred Heart Gulf (Port St. Joe)
Frequently Asked Questions
How many Medicare beneficiaries live in Gulf County?▾
About 4,405 Floridians in Gulf 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 Gulf County?▾
The largest carriers in Gulf County are Humana (Full Access Giveback H5216-393 PPO), UnitedHealthcare / AARP Medicare Advantage (FL-0016 PPO), Humana (Full Access Giveback H7617-111 PPO). 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 Gulf County?▾
Florida SHINE — Gulf (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Sacred Heart Gulf (Port St. Joe).
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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.
