Medicare in Charlotte County by the numbers
| Charlotte County | Virginia | |
|---|---|---|
| Residents age 65 and older | 2,594 | 1,498,879 statewide |
| Share of residents age 65+ | 22.9% | 17.2% statewide |
| People with Medicare | 3,535 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 1,550 | 698,851 statewide |
| Medicare Advantage share | 43.8% | 39.6% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
Among Virginia’s 133 counties, Charlotte County comes in 109th for residents age 65 and up (2,594). Older adults make up 22.9% of the population here; the state figure is 17.2%. Another 978 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). Among residents 65 and older, 58% are 65 to 74, 32% are 75 to 84 and 9% are 85 or older (Census 2023 estimates). Medicare Advantage enrollment in Charlotte County is 43.8% of people with Medicare, close to the Virginia average of 39.6%. Averages cannot choose a plan for you. Medicare Advantage and Original Medicare with a Medigap plan each suit different people, depending on doctors, medicines and how you prefer to handle costs, and we compare both at your ZIP code.
Who has Medicare in Charlotte County
Charlotte County is a rural county (USDA: urban population of fewer than 5,000, adjacent to a metro area). Plan choices can be narrower than in a city, and we focus on networks that include the doctors and hospital you actually use.
CMS counts 3,429 Medicare beneficiaries in Charlotte County (2023). Their average age is 73, about the same as the Virginia average of 74. About 14% are “dual eligible,” meaning they have both Medicare and Medicaid, higher than the state figure of 9%. Where many people have both, special plans for dual-eligible members can matter; see our Medicaid and dual eligible guide, since availability varies by plan and area.
Among people in Original Medicare in Charlotte County, CMS reported about 664 emergency room visits and 230 inpatient hospital stays per 1,000 beneficiaries in 2023, which is higher than the state average for emergency visits (589) and close to it for hospital stays (206). About 9% 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 Charlotte County can be different from the ones offered next door. We are not based in Charlotte County; we help Charlotte County residents by phone or video call.
Hospitals and doctors near Charlotte County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Charlotte County. Residents often use hospitals in neighboring counties, which matters for Medicare Advantage because a plan’s network may include or leave out the hospital you use. We check your hospitals and doctors before you enroll.
Communities and ZIP codes in Charlotte County
Census Bureau 2023 estimates put the biggest communities in Charlotte County at Keysville (794), Drakes Branch (518), Charlotte Court House (498), Phenix (228), counting only the part of each community inside the county.
ZIP codes that fall mostly inside Charlotte County include 23923, 23937, 23959, 23962, 23963, 23964, 23967, 23976. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Charlotte 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.
- Virginia’s Insurance Marketplace, Virginia’s own health insurance exchange, if you are not yet on Medicare.
- Virginia Bureau of Insurance: Virginia’s insurance regulator, including agent license lookup.
Coverage we offer Charlotte County residents
We work with many carriers, which lets us compare more than one option for Charlotte County households, including final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance and life insurance.
Let’s check your Charlotte County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonPlain-English Medicare answers
- 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?
Charlotte County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Essex County | 2,646 | 42.2% | 9% | Rural |
| Cumberland County | 2,327 | 42.3% | 10% | Rural |
| Lunenburg County | 2,889 | 45.0% | 14% | Rural |
| Nottoway County | 2,908 | 45.0% | 14% | Rural |
| Richmond County | 2,020 | 37.8% | 11% | Rural |
| Madison County | 3,356 | 35.4% | 9% | Rural |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.