The numbers behind Medicare in Cheboygan County
| Cheboygan County | Michigan | |
|---|---|---|
| Residents age 65 and older | 7,676 | 1,926,752 statewide |
| Share of residents age 65+ | 29.5% | 19.2% statewide |
| People with Medicare | 9,011 | 2,334,917 statewide |
| Enrolled in Medicare Advantage | 5,157 | 1,484,072 statewide |
| Medicare Advantage share | 57.2% | 63.6% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
With roughly 7,676 residents age 65 and older, Cheboygan County is 49th among 83 Michigan counties for older residents. That group is 29.5% of its population, compared with 19.2% across Michigan. About 2,358 more people are 60 to 64 and are heading toward Medicare; our turning 65 guide explains their first steps. Among residents 65 and older, 62% are 65 to 74, 30% are 75 to 84 and 8% are 85 or older (Census 2023 estimates). About 57.2% of people with Medicare in Cheboygan County are enrolled in a Medicare Advantage plan. That is lower than the Michigan average of 63.6%. 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 Cheboygan County
The USDA classifies Cheboygan County as: urban population of 5,000 to 20,000, not adjacent to a metro area. In counties of this type, people often travel to a larger neighboring county for specialists, so we check whether your plan’s network reaches there.
CMS counts 8,953 Medicare beneficiaries in Cheboygan County (2023). Their average age is 72, about the same as the Michigan average of 72. About 20% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 20%.
Among people in Original Medicare in Cheboygan County, CMS reported about 592 emergency room visits and 165 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 Cheboygan County can be different from the ones offered next door. We are not based in Cheboygan County; we help Cheboygan County residents by phone or video call.
Hospitals and doctors near Cheboygan County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Cheboygan 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.
Where people live in Cheboygan County
The largest communities in Cheboygan County by 2023 Census population estimates are Cheboygan (4,847), Wolverine (284), Mackinaw City (281). Each figure counts only the people living inside the county.
We look up plans by ZIP code. In Cheboygan County, that means areas such as 49705, 49717, 49721, 49749, 49791, 49799, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
Questions about Medicare in Cheboygan 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.
- HealthCare.gov if you are not yet on Medicare.
- Medicare Care Compare for hospitals and doctors.
- Social Security: Medicare to enroll or check status.
- Michigan Department of Insurance and Financial Services: Michigan’s insurance regulator, including agent license lookup.
Coverage we offer Cheboygan County residents
Here is what we can help Cheboygan County residents with, drawing on plans from many insurers: ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans.
Let’s check your Cheboygan County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonMedicare guides for Cheboygan County residents
- What Medicare Part D actually costs
- Medigap Plan G vs. Plan N
- What happens if you do nothing during open enrollment?
- When can you switch Medicare plans? Every enrollment window
Cheboygan County compared with similar Michigan counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Mason County | 7,830 | 66.7% | 22% | Smaller city/town |
| Gratiot County | 7,437 | 67.6% | 22% | Smaller city/town |
| Alpena County | 7,403 | 57.6% | 21% | Smaller city/town |
| Charlevoix County | 7,377 | 56.6% | 14% | Smaller city/town |
| Iosco County | 7,982 | 59.3% | 18% | Smaller city/town |
| Manistee County | 7,368 | 63.0% | 19% | Smaller city/town |
See every Michigan county in our Michigan directory or go to our Michigan Medicare hub.