Honorbrook Insurance is an independent agency licensed in West Virginia. We help Berkeley County residents choose Medicare, ACA, life and retirement coverage by phone or video call. Our help is free to you, and we compare plans from multiple carriers instead of representing just one company.
Medicare in Berkeley County
Berkeley County is centered on Martinsburg, the county seat, in the Eastern Panhandle. The U.S. Census Bureau's 2023 population estimates put the number of Berkeley County residents age 65 and older at 20,592.
Local hospitals and health systems matter when you pick a plan. Hospitals serving the county include WVU Medicine Berkeley Medical Center in Martinsburg. Medicare Advantage and Part D plan availability and provider networks are set county by county, so we check the plans offered where you live and whether your doctors and hospitals are included.
The numbers behind Medicare in Berkeley County
| Berkeley County | West Virginia | |
|---|---|---|
| Residents age 65 and older | 20,592 | 380,679 statewide |
| Share of residents age 65+ | 15.5% | 21.5% statewide |
| People with Medicare | 27,046 | 458,491 statewide |
| Enrolled in Medicare Advantage | 11,937 | 259,694 statewide |
| Medicare Advantage share | 44.1% | 56.6% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
With roughly 20,592 residents age 65 and older, Berkeley County is 2nd among 55 West Virginia counties for older residents. That group is 15.5% of its population, compared with 21.5% across West Virginia. Another 8,289 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). Census 2023 estimates show 63% of the 65-plus population is under 75, 30% is 75 to 84 and 7% is 85 or older. About 44.1% of people with Medicare in Berkeley County are enrolled in a Medicare Advantage plan. That is lower than the West Virginia average of 56.6%. 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 Berkeley County
The U.S. Department of Agriculture classifies Berkeley County as a metro county (counties in metro areas of 250,000 to 1 million 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 25,647 Medicare beneficiaries in Berkeley County (2023). Their average age is 72, about the same as the West Virginia average of 72. About 13% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 20%.
Among people in Original Medicare in Berkeley County, CMS reported about 615 emergency room visits and 202 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (684) and lower than it for hospital stays (250). 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.
Berkeley County: communities and ZIP codes
People in Berkeley County live in communities such as Martinsburg (18,935), Hedgesville (301) (2023 population estimates, counting only the part of each community that lies inside the county).
We look up plans by ZIP code. In Berkeley County, that means areas such as 25401, 25403, 25404, 25405, 25413, 25419, 25420, 25421, 25427, 25428, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
Questions about Medicare in Berkeley 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.
- West Virginia Offices of the Insurance Commissioner: West Virginia’s insurance regulator, including agent license lookup.
Coverage we offer Berkeley County residents
We work with many carriers, which lets us compare more than one option for Berkeley County households, including 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 Berkeley County options together
We'll confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonPlain-English Medicare answers
- What Medicare Part D actually costs
- Medicare 101 for families
- How to read your Medicare Annual Notice of Change
- When can you switch Medicare plans? Every enrollment window
Berkeley County compared with similar West Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Cabell County | 18,487 | 56.7% | 21% | Metro |
| Wood County | 18,279 | 51.6% | 19% | Metro |
| Raleigh County | 16,202 | 52.6% | 20% | Metro |
| Monongalia County | 15,092 | 57.1% | 15% | Metro |
| Putnam County | 11,687 | 58.8% | 16% | Metro |
| Jefferson County | 10,779 | 41.2% | 11% | Metro |
See every West Virginia county in our West Virginia directory or go to our West Virginia Medicare hub.