Santa Rosa County Medicare 2027: nearly 3 in 10 Advantage members are in changing plans.
If you live in Milton, Navarre or Gulf Breeze, your doctors may be in three different counties. Here is how to choose a 2027 plan that covers the places you actually go.
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Doctors in Pensacola or Fort Walton?
Rafael will check every doctor and hospital you use, in any county, against the 28 Santa Rosa plans open to everyone.
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45,269 Santa Rosa residents have Medicare; 20,935 (46%) use Medicare Advantage. Out-of-pocket limits for 2027 range from $3,900 to $9,850. Source: REMCARE plan research from CMS files.
Milton, Navarre and Gulf Breeze: where do you actually get care?
Santa Rosa County residents often get care outside the county: in Pensacola, in Fort Walton Beach, or across the Alabama line. That makes the network question bigger here. About 6,164 residents, nearly 3 in 10 Advantage members, are in plans ending or changing, and nearly all of them are in PPOs.
| If you live in | You probably use |
|---|---|
| Milton, Pace, Jay | Santa Rosa Medical Center in Milton, plus Pensacola hospitals and specialists |
| Gulf Breeze | Pensacola hospitals across the bridge, and Gulf Breeze facilities |
| Navarre | Pensacola to the west and Fort Walton Beach to the east, in Okaloosa County |
A PPO helps if your doctors are spread out, because it covers out-of-network care at a higher cost. An HMO usually costs less but expects you to stay in its network. Make your list, then we’ll check every doctor.
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Whiting Field and Hurlburt families
Many Santa Rosa families have ties to NAS Whiting Field, Hurlburt Field or Eglin. If you have TRICARE For Life, keep Part B; it’s required. If you use the VA, a plan without drug coverage may fit, and Santa Rosa has 9 of them for 2027. If you have neither, choose a plan that includes drug coverage.
What changed in Santa Rosa
25 plans returned and 3 are new. Among returning plans, 10 raised their yearly out-of-pocket limit; the typical limit went from $6,750 to $7,150. 7 plans for 2027 include a Part B premium reduction in their name.
Statewide guide and neighboring counties
The Florida Medicare 2027 guide covers statewide dates, the Medicare Supplement option and every county page we have. Received a non-renewal letter? Read Is your Medicare plan ending in 2027?
Neighboring counties: Escambia County, Bay County.
Questions from Santa Rosa County residents
How many Santa Rosa residents are in changing plans?
About 6,164 people, around 29% of the county’s Medicare Advantage members, are in 2026 plans that aren’t offered in Santa Rosa in 2027 under the same plan number.
My doctors are in Pensacola. Can I still pick a Santa Rosa plan?
Yes. You choose from plans offered where you live, and many include Pensacola doctors. We’ll confirm each doctor is in the network.
I live in Navarre and use Fort Walton Beach doctors. What should I look for?
Check that your Okaloosa County doctors are in network, or consider a PPO that pays something for out-of-network care.
Is there a plan for veterans in Santa Rosa?
There are 9 plans without drug coverage, which some veterans pair with VA medicines. Medicare and VA care are separate, so you can use both.
When can I change plans?
October 15 to December 7 for everyone. If your plan is not renewing, you also have from December 8 through the end of February.
Do you meet in person?
We help Santa Rosa residents by phone or video. Call 904-583-8391.
Sources
- Santa Rosa Medical Center
- TRICARE: TRICARE For Life
- CMS 2027 Medicare Advantage and Part D state fact sheets
- Medicare.gov: Special Enrollment Periods
Santa Rosa County numbers come from REMCARE’s 2027 plan research using CMS public files: the CMS CY2027 Landscape (updated 09/22/2026), CMS enrollment by contract/plan/county (September 2026), CMS MA State/County Penetration (September 2026) and Census ACS 2024 5-year estimates. Plan counts are for plans open to anyone on Medicare unless noted. This page is educational; your own plan letter and plan documents decide your options and dates. Updated October 2, 2026.
Rafael Mendoza, licensed agent, REMCARE Insurance Agency, NPN 8929595. Not connected with or endorsed by the U.S. government or the federal Medicare program.