The numbers behind Medicare in Montgomery County
| Montgomery County | North Carolina | |
|---|---|---|
| Residents age 65 and older | 5,934 | 1,908,489 statewide |
| Share of residents age 65+ | 22.7% | 17.6% statewide |
| People with Medicare | 6,387 | 2,336,840 statewide |
| Enrolled in Medicare Advantage | 4,386 | 1,353,169 statewide |
| Medicare Advantage share | 68.7% | 57.9% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
Among North Carolina’s 100 counties, Montgomery County comes in 74th for residents age 65 and up (5,934). Older adults make up 22.7% of the population here; the state figure is 17.6%. Another 1,961 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). Census 2023 estimates show 59% of the 65-plus population is under 75, 31% is 75 to 84 and 9% is 85 or older. CMS data show 68.7% of Montgomery County residents with Medicare chose Medicare Advantage, which is higher than the 57.9% average across North Carolina. 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 Montgomery County
The USDA classifies Montgomery County as: urban population of fewer than 5,000, adjacent to a metro area. With fewer hospitals and clinics close by, the right Medicare plan here is often the one whose network includes the providers you can really reach.
CMS counts 6,842 Medicare beneficiaries in Montgomery County (2023). Their average age is 73, about the same as the North Carolina average of 73. About 18% are “dual eligible,” meaning they have both Medicare and Medicaid, higher than the state figure of 13%. 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 Montgomery County, CMS reported about 620 emergency room visits and 217 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (572) and close to it for hospital stays (210). About 8% 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 Montgomery County can be different from the ones offered next door. We are not based in Montgomery County; we help Montgomery County residents by phone or video call.
Hospitals located in Montgomery County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Montgomery County:
- Firsthealth Montgomery Memorial Hospital — Troy (critical access; nonprofit; emergency services)
Being located in the county is not the same as being in your plan’s network. Each Medicare Advantage plan builds its own network, so we confirm that your hospital and your doctors are included before you choose. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
Where people live in Montgomery County
The largest communities in Montgomery County by 2023 Census population estimates are Troy (2,952), Biscoe (1,852), Mount Gilead (1,178), Star (822), Candor (819). Each figure counts only the people living inside the county.
ZIP codes that fall mostly inside Montgomery County include 27209, 27229, 27247, 27306, 27356, 27371. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Montgomery 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.
- North Carolina Department of Insurance: North Carolina’s insurance regulator, including agent license lookup.
Coverage we offer Montgomery County residents
We work with many carriers, which lets us compare more than one option for Montgomery 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 Montgomery County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonPlain-English Medicare answers
- Do you really need a Medicare agent?
- Does Medicare cover dental, vision and hearing?
- What happens if you do nothing during open enrollment?
- Medicare 101 for families
Montgomery County compared with similar North Carolina counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Caswell County | 5,356 | 65.1% | 22% | Rural |
| Polk County | 6,596 | 42.1% | 8% | Rural |
| Warren County | 5,232 | 66.5% | 18% | Rural |
| Northampton County | 5,096 | 59.5% | 19% | Rural |
| Yancey County | 5,034 | 53.7% | 17% | Rural |
| Bladen County | 7,114 | 65.2% | 18% | Rural |
See every North Carolina county in our North Carolina directory or go to our North Carolina Medicare hub.