Charlevoix County Medicare at a glance
| Charlevoix County | Michigan | |
|---|---|---|
| Residents age 65 and older | 7,377 | 1,926,752 statewide |
| Share of residents age 65+ | 28.2% | 19.2% statewide |
| People with Medicare | 8,583 | 2,334,917 statewide |
| Enrolled in Medicare Advantage | 4,854 | 1,484,072 statewide |
| Medicare Advantage share | 56.6% | 63.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Michigan’s 83 counties, Charlevoix County comes in 52nd for residents age 65 and up (7,377). Older adults make up 28.2% of the population here; the state figure is 19.2%. About 2,396 more people are 60 to 64 and are heading toward Medicare; our turning 65 guide explains their first steps. Census 2023 estimates show 60% of the 65-plus population is under 75, 31% is 75 to 84 and 9% is 85 or older. About 56.6% of people with Medicare in Charlevoix County are enrolled in a Medicare Advantage plan. That is lower than the Michigan average of 63.6%. What most people do in a county is less important than what fits you. We weigh Medicare Advantage against Original Medicare with Medigap using your doctors, your drugs and your budget.
Who has Medicare in Charlevoix County
Charlevoix County is a smaller-city and town county; the U.S. Department of Agriculture describes it as: urban population of 5,000 to 20,000, not adjacent to a metro area. Counties like this often sit between a metro area and rural communities, so some residents use hospitals and specialists in a neighboring county and a plan’s network across the county line matters.
CMS counts 8,570 Medicare beneficiaries in Charlevoix County (2023). Their average age is 72, about the same as the Michigan average of 72. About 14% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 20%.
Among people in Original Medicare in Charlevoix County, CMS reported about 682 emergency room visits and 167 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (645) and lower than it for hospital stays (245). About 6% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Insurers choose which counties to serve each year, which means the Medicare Advantage and Part D plans you can pick in Charlevoix County can be different from the ones offered next door. We are not based in Charlevoix County; we help Charlevoix County residents by phone or video call.
Hospitals located in Charlevoix County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Charlevoix County:
- Charlevoix Area Hospital — Charlevoix (critical access; nonprofit; emergency services)
Network rules, not geography, decide whether a plan covers a hospital. We look up the hospitals and doctors you use and check them against each plan before you enroll. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
Communities and ZIP codes in Charlevoix County
Census Bureau 2023 estimates put the biggest communities in Charlevoix County at Boyne City (3,831), Charlevoix (2,347), East Jordan (2,250), Boyne Falls (376), counting only the part of each community inside the county.
ZIP codes that fall mostly inside Charlevoix County include 49712, 49713, 49720, 49782, 49796. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Charlevoix County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- Social Security: Medicare to enroll or check status.
- Medicare.gov: Medigap on how Medicare Supplement works.
- HealthCare.gov if you are not yet on Medicare.
- Michigan Department of Insurance and Financial Services: Michigan’s insurance regulator, including agent license lookup.
Coverage we offer Charlevoix County residents
Here is what we can help Charlevoix County residents with, drawing on plans from many insurers: Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities and Medicare Advantage.
Get a clear answer for Charlevoix County
A short call is enough to compare your options. Our help is free to you.
Get my plan comparisonMedicare guides for Charlevoix County residents
- Medicare Advantage vs. Medigap: how to choose
- Medicare Parts A, B, C and D explained
- What Medicare Part D actually costs
- Can I change my Medicare plan after December 7?
Charlevoix County compared with similar Michigan counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Manistee County | 7,368 | 63.0% | 19% | Smaller city/town |
| Alpena County | 7,403 | 57.6% | 21% | Smaller city/town |
| Gratiot County | 7,437 | 67.6% | 22% | Smaller city/town |
| Chippewa County | 7,207 | 56.1% | 18% | Smaller city/town |
| Wexford County | 7,189 | 65.5% | 25% | Smaller city/town |
| Cheboygan County | 7,676 | 57.2% | 20% | Smaller city/town |
See every Michigan county in our Michigan directory or go to our Michigan Medicare hub.