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Medicare Costs in Bonita Springs

Understanding what Medicare costs in Bonita Springs helps you plan your retirement budget. Here is a complete breakdown for Lee County seniors.

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William Gray
••2 min read
Medicare Costs in Bonita Springs

Medicare Costs in Bonita Springs

Bonita Springs is one of Southwest Florida's most desirable retirement communities, located between Fort Myers and Naples in Lee County. Understanding what Medicare costs in Bonita Springs is essential for retirement planning.

Here is a complete breakdown of Medicare costs for Bonita Springs seniors.

Medicare Part B Premium

The standard Part B premium in 2026 is $202.90/month. Higher-income beneficiaries pay more through Income-Related Monthly Adjustment Amounts (IRMAA). This premium applies regardless of whether you choose Medicare Advantage or Medigap.

Medicare Part A Costs

Most people get Part A free. If you need inpatient hospital care, the Part A deductible is $1,736 per benefit period in 2026.

Medicare Advantage Costs in Bonita Springs

Many Bonita Springs Medicare Advantage plans offer $0 monthly premiums. However, you pay copays and coinsurance when you use care:

  • Primary care visits: $0-$15
  • Specialist visits: $20-$50
  • Inpatient hospital: $250-$500/day or a flat copay
  • Annual out-of-pocket maximum: $3,000-$8,000

Medigap Costs in Bonita Springs

Medigap Plan G premiums for a 65-year-old non-smoker in Lee County typically range from $120 to $175/month. After paying the $283 Part B deductible once per year, you have no other out-of-pocket costs for covered services.

Part D Costs in Bonita Springs

Part D premiums vary by plan, typically $10-$80/month. The 2026 out-of-pocket cap is $2,100.

Total Annual Medicare Budget for Bonita Springs Seniors

With Medigap Plan G + Part D:

  • Part B: $2,220/year
  • Plan G: ~$1,680/year
  • Part D: ~$360/year
  • Part B deductible: $283/year
  • Total: ~$4,543/year (very predictable)

With Medicare Advantage ($0 premium):

  • Part B: $2,220/year
  • Plan premium: $0
  • Copays: varies by usage
  • Total: $2,220/year + copays

Free Bonita Springs Medicare Cost Comparison

I compare every Medicare option in Bonita Springs and help you find the best value for your budget.

Call me at (386) 871-3858 or schedule a free Bonita Springs Medicare consultation at calendly.com/themedicaredude/75.

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#Bonita Springs#Medicare Costs#Lee County Medicare#Bonita Springs Medicare

About the Author

William Gray — Independent Medicare Broker
FL #W690237

William Gray

Independent Medicare Broker

US Air Force Veteran · Florida Medicare Specialist

William Gray is an independent Medicare insurance broker based in Daytona Beach and Palm Coast, FL. A US Air Force veteran (A-10 crew chief, Germany), he spent years in corporate insurance before going independent to serve Florida seniors directly. He has helped more than 1,000 clients across Northeast Florida compare Medicare Advantage, Medigap, and Part D plans — always at no cost to the client.

FL License #W690237 — VerifiedAHIP Medicare Certified1,000+ Florida clients helped60+ carriers compared for every client5.0 stars — 60+ verified Google reviews
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.

Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.

Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.

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