Frederick County Medicare at a glance
| Frederick County | Virginia | |
|---|---|---|
| Residents age 65 and older | 18,557 | 1,498,879 statewide |
| Share of residents age 65+ | 19.3% | 17.2% statewide |
| People with Medicare | 22,522 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 7,186 | 698,851 statewide |
| Medicare Advantage share | 31.9% | 39.6% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
With roughly 18,557 residents age 65 and older, Frederick County is 21st among 133 Virginia counties for older residents. That group is 19.3% of its population, compared with 17.2% across Virginia. About 6,489 more people are 60 to 64 and are heading toward Medicare; our turning 65 guide explains their first steps. Among residents 65 and older, 58% are 65 to 74, 33% are 75 to 84 and 10% are 85 or older (Census 2023 estimates). Medicare Advantage enrollment in Frederick County is 31.9% of people with Medicare, lower than the Virginia average of 39.6%. 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 Frederick County
The U.S. Department of Agriculture classifies Frederick County as a metro county (counties in metro areas of fewer than 250,000 population). Counties like this tend to have a wider choice of hospitals and Medicare plans than rural ones, though networks still differ plan by plan.
CMS counts 20,180 Medicare beneficiaries in Frederick County (2023). Their average age is 74, about the same as the Virginia average of 74. About 6% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 9%.
Among people in Original Medicare in Frederick County, CMS reported about 526 emergency room visits and 220 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (589) and close to it for hospital stays (206). About 7% 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 Frederick County can be different from the ones offered next door. We are not based in Frederick County; we help Frederick County residents by phone or video call.
Hospitals and doctors near Frederick County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Frederick 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 Frederick County
People in Frederick County live in communities such as Stephens City (2,116), Middletown (1,413) (2023 population estimates, counting only the part of each community that lies inside the county).
We look up plans by ZIP code. In Frederick County, that means areas such as 22602, 22603, 22624, 22625, 22637, 22645, 22654, 22655, 22656, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
Questions about Medicare in Frederick 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 Frederick County residents
As an independent agency we are not tied to one insurer, so for Frederick County residents we can compare ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans.
Ready to compare plans in Frederick County?
Tell us your doctors and medicines and we will show you what fits. No cost, no pressure.
Get my plan comparisonMedicare guides for Frederick County residents
- What happens if you do nothing during open enrollment?
- Medicare 101 for families
- Why a Medicare Advantage plan drops a doctor or drug
- When can you switch Medicare plans? Every enrollment window
Frederick County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Augusta County | 18,167 | 30.3% | 6% | Metro |
| Rockingham County | 17,765 | 30.2% | 7% | Metro |
| City of Roanoke | 17,699 | 53.0% | 15% | Metro |
| Bedford County | 19,470 | 37.3% | 6% | Metro |
| Stafford County | 19,491 | 31.1% | 6% | Metro |
| City of Alexandria | 20,937 | 29.9% | 8% | Metro |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.