Medicare in Westmoreland County by the numbers
| Westmoreland County | Virginia | |
|---|---|---|
| Residents age 65 and older | 5,335 | 1,498,879 statewide |
| Share of residents age 65+ | 28.1% | 17.2% statewide |
| People with Medicare | 5,982 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 2,122 | 698,851 statewide |
| Medicare Advantage share | 35.5% | 39.6% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
With roughly 5,335 residents age 65 and older, Westmoreland County is 69th among 133 Virginia counties for older residents. That group is 28.1% of its population, compared with 17.2% across Virginia. Another 1,720 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). By age, the 65-and-older group splits 57% ages 65 to 74, 33% ages 75 to 84 and 10% age 85 and up (Census 2023). Medicare Advantage enrollment in Westmoreland County is 35.5% of people with Medicare, close to the Virginia average of 39.6%. A county average does not tell you which kind of plan fits you. Whether Medicare Advantage or Original Medicare with a Medigap plan is the better fit depends on your doctors, your prescriptions and how you want to handle costs, so we compare both for your ZIP code.
Who has Medicare in Westmoreland County
The USDA classifies Westmoreland 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 5,848 Medicare beneficiaries in Westmoreland County (2023). Their average age is 74, about the same as the Virginia average of 74. About 10% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 9%.
Among people in Original Medicare in Westmoreland County, CMS reported about 565 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 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.
Where you live decides which Medicare Advantage and Part D plans you can join, and Westmoreland County may have a different set of plans than the counties around it. We are not based in Westmoreland County; we help Westmoreland County residents by phone or video call.
Hospitals and doctors near Westmoreland County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Westmoreland 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 Westmoreland County
People in Westmoreland County live in communities such as Colonial Beach (4,003), Montross (340) (2023 population estimates, counting only the part of each community that lies inside the county).
We look up plans by ZIP code. In Westmoreland County, that means areas such as 22443, 22469, 22488, 22520, 22529, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
Questions about Medicare in Westmoreland 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 Westmoreland County residents
As an independent agency we are not tied to one insurer, so for Westmoreland County residents we can compare Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities and Medicare Advantage.
Let’s check your Westmoreland County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonRead next
- 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?
Westmoreland County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Page County | 5,426 | 37.3% | 12% | Rural |
| Lee County | 5,149 | 69.9% | 26% | Rural |
| Caroline County | 5,673 | 42.5% | 9% | Rural |
| Patrick County | 4,869 | 49.8% | 13% | Rural |
| Buchanan County | 4,714 | 65.1% | 25% | Rural |
| Northumberland County | 4,646 | 32.8% | 6% | Rural |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.