Flagler County
Hospitals & Medicare
A complete guide to every hospital, freestanding ER, urgent care center, imaging facility, and skilled nursing home in Flagler County — and exactly how Medicare covers each one.
William Gray serves Palm Coast and all of Flagler County. He helps Flagler County seniors find Medicare plans that cover AdventHealth Palm Coast and the regional hospitals in Volusia and St. Johns counties. His service is always free.
Hospitals Serving Flagler County
AdventHealth Palm Coast is the only hospital in Flagler County. For trauma and complex care, residents use regional hospitals in Volusia and St. Johns counties.
AdventHealth Palm Coast
HospitalThe only full-service hospital in Flagler County. Accepts Original Medicare and most Medicare Advantage plans. For serious trauma, patients are typically transferred to Halifax Health Daytona Beach (Level II Trauma Center).
Halifax Health Medical Center of Daytona Beach
Hospital (Neighboring County)The regional trauma and stroke center for Flagler County residents. Approximately 30 miles south of Palm Coast. Accepts Original Medicare and most Medicare Advantage plans.
Freestanding Emergency Rooms
Freestanding ERs are billed under Medicare Part B (outpatient), not Part A. Cost-sharing differs from hospital ERs.
Medicare billing note: Freestanding ERs are billed as hospital outpatient services under Medicare Part B — not Part A. Your cost-sharing may differ from a traditional hospital ER visit. Always confirm with your plan before visiting a freestanding ER for non-emergency care.
AdventHealth ER — Palm Coast (Matanzas Woods)
Freestanding ERAdventHealth freestanding ER serving northern Palm Coast. Billed as hospital outpatient under Medicare Part B — cost-sharing differs from a traditional hospital ER.
Halifax Health ER — Flagler Beach
Freestanding ERHalifax Health freestanding ER serving the Flagler Beach corridor. Billed as hospital outpatient under Medicare Part B.
Urgent Care Centers
Medicare Part B covers urgent care visits — typically 20% coinsurance after the Part B deductible.
AdventHealth Centra Care — Palm Coast
Urgent CareAdventHealth urgent care in Palm Coast. Medicare Part B covers urgent care visits — typically 20% coinsurance after the Part B deductible.
CareSpot Urgent Care — Palm Coast
Urgent CareIndependent urgent care serving Palm Coast. Medicare Part B covers urgent care visits at participating locations.
Flagler Health+ Urgent Care
Urgent CareFlagler Health+ (St. Johns County system) urgent care location in Flagler County. Medicare Part B covers urgent care visits.
Imaging Centers (MRI & CT)
Medicare Part B covers medically necessary MRI, CT, and other imaging. Some Medicare Advantage plans require prior authorization.
AdventHealth Imaging — Palm Coast
Imaging CenterFull-service imaging at AdventHealth Palm Coast. Medicare Part B covers medically necessary imaging — typically 20% coinsurance after the Part B deductible.
Radiology Associates — Palm Coast
Imaging CenterIndependent radiology group serving Flagler County. Medicare Part B covers medically necessary imaging.
Skilled Nursing Facilities & Hospice
Medicare Part A covers SNF care after a qualifying 3-day hospital stay. Days 1–20 are fully covered; days 21–100 require a daily copay.
Palm Coast Rehab & Nursing Center
Skilled Nursing FacilityMedicare Part A covers up to 100 days of skilled nursing care after a qualifying 3-day hospital stay. Days 1–20 are fully covered; days 21–100 require a $209.50/day copay (2026).
Flagler Hospital Skilled Nursing Unit
Skilled Nursing FacilityHospital-based skilled nursing unit at AdventHealth Palm Coast. Accepts Medicare Part A for qualifying skilled nursing stays.
Halifax Health Hospice — Flagler County
HospiceHalifax Health Hospice serves both Volusia and Flagler counties. Medicare Part A covers hospice care for beneficiaries with a terminal prognosis of 6 months or less.
Medicare in Flagler County: What You Need to Know
Flagler County's single-hospital reality makes Medicare plan selection more complex than in larger counties. Here's what every Flagler County senior needs to understand.
Flagler County's Healthcare Reality for Medicare Beneficiaries
Flagler County — home to Palm Coast, Bunnell, Flagler Beach, and Beverly Beach — has one full-service hospital: AdventHealth Palm Coast. For serious emergencies, trauma, stroke, and complex cardiac care, Flagler County residents are typically transferred to Halifax Health Medical Center in Daytona Beach (30 miles south) or Flagler Health+ in St. Augustine (30 miles north). This geographic reality makes your Medicare plan choice especially important — you need coverage that works at multiple facilities.
Medicare Advantage Networks in Flagler County
Most major Medicare Advantage carriers offer plans in Flagler County, including Humana, Florida Blue, UnitedHealthcare, Aetna, WellCare, and Devoted Health. Because Flagler County residents frequently use hospitals in both Volusia County (Halifax Health) and St. Johns County (Flagler Health+), it's critical that your plan covers facilities in all three counties. William Gray specializes in verifying multi-county coverage for Flagler County seniors.
Why Medigap Is Popular in Flagler County
Because Flagler County residents often need care at hospitals in neighboring counties — Halifax Health in Daytona Beach, Flagler Health+ in St. Augustine, or even Mayo Clinic in Jacksonville — Original Medicare with a Medigap plan provides the most flexibility. Medigap Plan G gives you access to any Medicare-accepting hospital in Florida with no network restrictions, no prior authorization, and no referrals. After the Part B deductible ($283 in 2026), you pay nothing for Medicare-covered services.
AdventHealth Palm Coast and Medicare
AdventHealth Palm Coast is the anchor hospital for Flagler County's 120,000+ residents. It accepts Original Medicare and participates in most major Medicare Advantage networks. However, AdventHealth Palm Coast is a community hospital — for Level II trauma, comprehensive stroke care, complex cardiac surgery, and cancer treatment, patients are typically referred to larger regional centers. Verify that your Medicare plan covers both AdventHealth Palm Coast and the regional referral hospitals before enrolling.
Skilled Nursing Facilities and Medicare Part A in Flagler County
Flagler County has limited skilled nursing facility options compared to larger counties. After a qualifying 3-day hospital stay, Medicare Part A covers up to 100 days of skilled nursing care. Days 1–20 are fully covered; days 21–100 require a $209.50/day copay (2026). Medigap Plan G covers this copay. If you need SNF care and local facilities are full, you may need to use a facility in Volusia or St. Johns County — verify your plan covers out-of-county SNF care.
Frequently Asked Questions
What is the only hospital in Flagler County?
AdventHealth Palm Coast (60 Memorial Medical Pkwy, Palm Coast, FL 32164) is the only full-service hospital in Flagler County. It accepts Original Medicare and most Medicare Advantage plans. For serious trauma, stroke, and complex cardiac care, patients are typically transferred to Halifax Health Medical Center in Daytona Beach or Flagler Health+ in St. Augustine.
Does AdventHealth Palm Coast accept Medicare Advantage?
Yes — AdventHealth Palm Coast participates in most major Medicare Advantage networks in Flagler County, including Humana, Florida Blue, UnitedHealthcare, Aetna, and WellCare. Network participation changes annually. Call William Gray at (386) 871-3858 to verify current network status for your specific plan.
What Medicare plan is best for Palm Coast, FL residents?
Because Palm Coast residents often need care at hospitals in Volusia, St. Johns, and Duval counties, many Flagler County seniors prefer Original Medicare with a Medigap Plan G — it provides unrestricted access to any Medicare-accepting hospital in Florida. For seniors who want lower premiums and primarily use AdventHealth Palm Coast, Medicare Advantage plans from Humana or Florida Blue are popular choices. William Gray offers free plan comparisons — call (386) 871-3858.
Are freestanding ERs in Palm Coast covered by Medicare?
Yes — freestanding ERs like AdventHealth ER Matanzas Woods are covered by Medicare Part B as hospital outpatient services. Your cost-sharing is different from a traditional hospital ER visit. With Original Medicare, you pay 20% coinsurance after the Part B deductible. With Medicare Advantage, verify your plan's outpatient ER cost-sharing.
Does Medicare cover skilled nursing facilities in Flagler County?
Yes — Medicare Part A covers skilled nursing facility care after a qualifying 3-day inpatient hospital stay. Days 1–20 are fully covered; days 21–100 require a $209.50/day copay (2026). Flagler County has limited SNF options, so you may need to use a facility in Volusia or St. Johns County. Medigap Plan G covers the SNF daily copay.
Important: 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.
Hospital network participation in Medicare Advantage plans changes annually. The information on this page is for general educational purposes only and does not constitute a guarantee of coverage. Always verify your specific plan's network with the insurance carrier before enrolling. William Gray is an independent licensed insurance agent (FL License #W690237) and is not affiliated with, employed by, or endorsed by any hospital or health system referenced on this page. Medicare has neither reviewed nor endorsed this information.
Other NE Florida County Facility Guides
Protect Your Access to Flagler County's Hospitals
William Gray verifies hospital and specialist coverage for every plan before you enroll — including coverage at regional hospitals in Volusia and St. Johns counties. Free of charge.