Stuart-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
Martin County, FL has 55,000 Medicare beneficiaries per CMS Q1 2024 data, with about 40% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H1036, Florida Blue BlueMedicare, Cleveland Clinic Florida Medicare. We compare these plans for free and never charge a fee.
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At roughly 40% MA penetration, most of Martin County's 55,000 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 (36% 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 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.
What makes Martin County different: Stuart / Palm City — Treasure Coast affluent retirees. Highest median household income on FL East Coast outside Palm Beach. FIA + Medigap-heavy.
Humana Gold Plus H1036 (HMO)
4-star CMS rating
Florida Blue BlueMedicare (HMO)
4-star CMS rating
Cleveland Clinic Florida Medicare (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.
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. Martin County has 3 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 Martin County: Florida SHINE — Martin — 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 Martin County plans that fit your situation.
About 55,000 Floridians in Martin County are enrolled in Medicare as of 2024 CMS data. About 40% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Martin County are Humana Gold Plus H1036 (HMO), Florida Blue BlueMedicare (HMO), Cleveland Clinic Florida Medicare (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Martin (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Cleveland Clinic Martin North Hospital, HCA Florida Lawnwood Hospital, Cleveland Clinic Tradition Hospital.
Affluent retirees in Stuart often choose Medicare Supplements like Plans G, N to fill gaps in Original Medicare. These plans offer peace of mind with comprehensive coverage tailored to their needs.
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7, or at other times if you have a Special Enrollment Period (SEP). It’s important to review your options early to find the right fit.
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