Medicare Supplement in Highlands County, Florida. About 37,000 Medicare beneficiaries live here, with roughly 49 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Highlands County Medicare Supplement — quick answer
Highlands County, FL has 37,000 Medicare beneficiaries per CMS Q1 2024 data, with about 49% enrolled in Medicare Advantage. The top medicare supplement carriers are UnitedHealthcare, Humana, Aetna. We compare these plans for free and never charge a fee.
Prefer to listen?
Free audio version, generated on demand by Azure Speech.
The Highlands County medicare supplement market
About 49% of Highlands County's 37,000 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. The county skews older than the Florida average (35% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. UnitedHealthcare 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.
Highlands County at a glance
Population (2024 ACS)
105,700
Medicare beneficiaries
37,000
MA penetration
49%
Age 65 or older
35%
What makes Highlands County different: Highlands County, anchored by Sebring and its Sun 'n Lake planned community, has one of the oldest populations in the nation -- about 35.1% of residents are 65 or older. Its economy leans on healthcare and citrus, and AdventHealth Sebring broke ground in 2026 on a roughly $130 million five-story cardiovascular tower to serve the aging Heartland region.
Top Medicare Advantage plans in Highlands County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4.5-star CMS rating
Aetna
4.5-star CMS rating
Florida Blue (Blue Cross Blue Shield of Florida)
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 Highlands 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. Highlands 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–¸AdventHealth Sebring
â–¸HCA Florida Highlands Hospital
â–¸AdventHealth Lake Placid
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 Highlands County plans that fit your situation.
Major hospitals: AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid
Frequently Asked Questions
How many Medicare beneficiaries live in Highlands County?â–¾
About 37,000 Floridians in Highlands County are enrolled in Medicare as of 2024 CMS data. About 49% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Highlands County?â–¾
The largest carriers in Highlands County are UnitedHealthcare (AARP), Humana, Aetna, Florida Blue (Blue Cross Blue Shield of Florida). 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 Highlands County?â–¾
Florida SHINE -- Highlands County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid.
How does Medicare Supplement fit the specific healthcare needs of residents in Highlands County?â–¾
With over 35.1% of residents aged 65 or older, Medicare Supplement plans like G, N, and high-deductible G are crucial for addressing the unique healthcare challenges faced by seniors in Highlands County, especially those related to cardiovascular care.
When is the best time to enroll in a Medicare Supplement plan?â–¾
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th each year. However, it's always a good idea to get personalized advice from a local agent who understands the specific needs of Highlands County residents.
Hey 👋 — I'm trained on every page of mrandmrsinsurance.com. Ask me anything
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.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
