Hillsborough County at a glance
- Population (2024 ACS)
- 1,505,000
- Medicare beneficiaries
- 266,645
- MA penetration
- 58%
- Age 65 or older
- 14%
What makes Hillsborough County different: ACA + MA combo market — Tampa is FL's #2 ACA county after Miami-Dade.
Medicare Supplement in Hillsborough County, Florida. About 266,645 Medicare beneficiaries live here, with roughly 58 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and Cigna TotalCare H5410. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Hillsborough County Medicare Supplement Plans
Tampa-area carriers, real enrollment data, free quotes from a licensed Florida agent.
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Matt & Robin Giron
Licensed in Texas and Florida
Hillsborough County Medicare Supplement — quick answer
Hillsborough County, FL has 266,645 Medicare beneficiaries per CMS Q1 2024 data, with about 58% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H1036, Cigna TotalCare H5410, WellCare Premier. We compare these plans for free and never charge a fee.
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The Hillsborough County medicare supplement market
About 58% of Hillsborough County's 266,645 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. Only 14% of Hillsborough residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Florida agent fills. Humana Gold Plus H1036 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.
Top Medicare Advantage plans in Hillsborough County
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Humana Gold Plus H1036 (HMO)
4-star CMS rating
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Cigna TotalCare H5410 (HMO D-SNP)
4-star CMS rating
-
WellCare Premier (HMO)
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 Hillsborough 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. Hillsborough 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
- Tampa General Hospital
- AdventHealth Tampa
- St. Joseph's Hospital
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Top Hillsborough carriers — network lookup
- Humana Gold Plus H1036 4★
Humana provider finder ↗ - Cigna TotalCare H5410 4★
Cigna provider directory ↗ - WellCare Premier 4★
Search "WellCare Premier provider directory" or call the carrier directly.
Free help in Hillsborough County: Florida SHINE — Hillsborough — 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.
Check SEP eligibility (15-min) →Want to talk it through?
Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Hillsborough County plans that fit your situation.
Local resources in Hillsborough County
- SHIP counseling: Florida SHINE — Hillsborough — 1-800-963-5337
- Major hospitals: Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital
Frequently Asked Questions
How many Medicare beneficiaries live in Hillsborough County?
About 266,645 Floridians in Hillsborough County are enrolled in Medicare as of 2024 CMS data. About 58% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Hillsborough County?
The largest carriers in Hillsborough County are Humana Gold Plus H1036 (HMO), Cigna TotalCare H5410 (HMO D-SNP), WellCare Premier (HMO). 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 Hillsborough County?
Florida SHINE — Hillsborough (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital.
Why should I consider Medicare Supplement plans in Hillsborough County?
Hillsborough County is part of Florida's unique ACA + MA combo market. With a significant portion of beneficiaries choosing Medicare Advantage, having a supplement can ensure you have full coverage and access to local hospitals like Tampa General Hospital.
When should I enroll in Medicare Supplement plans?
To avoid potential penalties, enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7. You can also enroll outside AEP if you have a Special Enrollment Period due to a life change event.