Medicare in Spencer County by the numbers
| Spencer County | Indiana | |
|---|---|---|
| Residents age 65 and older | 4,182 | 1,179,148 statewide |
| Share of residents age 65+ | 21.0% | 17.2% statewide |
| People with Medicare | 5,183 | 1,432,708 statewide |
| Enrolled in Medicare Advantage | 2,277 | 731,624 statewide |
| Medicare Advantage share | 43.9% | 51.1% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
With roughly 4,182 residents age 65 and older, Spencer County is 72nd among 92 Indiana counties for older residents. That group is 21.0% of its population, compared with 17.2% across Indiana. The 1,558 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. By age, the 65-and-older group splits 61% ages 65 to 74, 31% ages 75 to 84 and 9% age 85 and up (Census 2023). CMS data show 43.9% of Spencer County residents with Medicare chose Medicare Advantage, which is lower than the 51.1% average across Indiana. 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 Spencer County
Spencer County is a rural county; the U.S. Department of Agriculture describes it as: urban population of fewer than 5,000, adjacent to a metro area. Rural counties tend to have fewer local hospitals and doctors, so a plan’s network and the distance to care matter a great deal.
CMS counts 5,105 Medicare beneficiaries in Spencer County (2023). Their average age is 73, about the same as the Indiana average of 72. About 14% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 16%.
Among people in Original Medicare in Spencer County, CMS reported about 490 emergency room visits and 205 inpatient hospital stays per 1,000 beneficiaries in 2023, which is lower than the state average for emergency visits (619) and lower than it for hospital stays (235). About 5% 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.
Where you live decides which Medicare Advantage and Part D plans you can join, and Spencer County may have a different set of plans than the counties around it. We are not based in Spencer County; we help Spencer County residents by phone or video call.
Hospitals and doctors near Spencer County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Spencer 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.
Spencer County: communities and ZIP codes
The largest communities in Spencer County by 2023 Census population estimates are Santa Claus (2,609), Rockport (1,977), Dale (1,522), Grandview (694), Chrisney (468), Richland (412). Each figure counts only the people living inside the county.
ZIP codes that fall mostly inside Spencer County include 47531, 47537, 47550, 47552, 47577, 47579, 47588, 47611, 47615, 47634, 47635. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Spencer 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.
- Indiana Department of Insurance: Indiana’s insurance regulator, including agent license lookup.
Coverage we offer Spencer County residents
As an independent agency we are not tied to one insurer, so for Spencer 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.
Get a clear answer for Spencer County
A short call is enough to compare your options. Our help is free to you.
Get my plan comparisonRead next
- What Medicare Part D actually costs
- Can I change my Medicare plan after December 7?
- How to read your Medicare Annual Notice of Change
- Medigap Plan G vs. Plan N
Spencer County compared with similar Indiana counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Orange County | 4,165 | 48.5% | 19% | Rural |
| Parke County | 3,492 | 51.6% | 15% | Rural |
| Starke County | 4,887 | 49.6% | 17% | Rural |
| Fountain County | 3,409 | 48.2% | 13% | Rural |
| Pulaski County | 2,707 | 43.8% | 14% | Rural |
| Pike County | 2,599 | 45.6% | 18% | Rural |
See every Indiana county in our Indiana directory or go to our Indiana Medicare hub.