The numbers behind Medicare in Calvert County
| Calvert County | Maryland | |
|---|---|---|
| Residents age 65 and older | 16,037 | 1,066,384 statewide |
| Share of residents age 65+ | 16.9% | 17.3% statewide |
| People with Medicare | 19,514 | 1,206,222 statewide |
| Enrolled in Medicare Advantage | 3,569 | 298,863 statewide |
| Medicare Advantage share | 18.3% | 24.8% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Maryland’s 24 counties, Calvert County comes in 15th for residents age 65 and up (16,037). Older adults make up 16.9% of the population here; the state figure is 17.3%. Another 6,931 residents are age 60 to 64 and will reach Medicare eligibility within about five years (see our turning 65 guide). Among residents 65 and older, 59% are 65 to 74, 31% are 75 to 84 and 10% are 85 or older (Census 2023 estimates). CMS data show 18.3% of Calvert County residents with Medicare chose Medicare Advantage, which is lower than the 24.8% average across Maryland. 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 Calvert County
The U.S. Department of Agriculture classifies Calvert 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 18,648 Medicare beneficiaries in Calvert County (2023). Their average age is 73, about the same as the Maryland average of 73. About 11% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 17%.
Among people in Original Medicare in Calvert County, CMS reported about 581 emergency room visits and 196 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (555) and close to it for hospital stays (217). About 6% 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 Calvert County can be different from the ones offered next door. We are not based in Calvert County; we help Calvert County residents by phone or video call.
Hospitals located in Calvert County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Calvert County:
- Calverthealth Medical Center — Prince Frederick (acute care; nonprofit; emergency services; CMS overall rating 5 of 5)
Network rules, not geography, decide whether a plan covers a hospital. We look up the hospitals and doctors you use and check them against each plan before you enroll. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
Communities and ZIP codes in Calvert County
Census Bureau 2023 estimates put the biggest communities in Calvert County at Chesapeake Beach (6,492), North Beach (2,177), counting only the part of each community inside the county.
ZIP codes that fall mostly inside Calvert County include 20615, 20629, 20639, 20657, 20676, 20678, 20685, 20688, 20689, 20732, 20736, 20754. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Calvert 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.
- Maryland Health Connection, Maryland’s own health insurance exchange, if you are not yet on Medicare.
- Maryland Insurance Administration: Maryland’s insurance regulator, including agent license lookup.
Coverage we offer Calvert County residents
We work with many carriers, which lets us compare more than one option for Calvert County households, including life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA and group health insurance.
Let’s check your Calvert County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonPlain-English Medicare answers
- What happens if you do nothing during open enrollment?
- Medicare Parts A, B, C and D explained
- Do you really need a Medicare agent?
- When can you switch Medicare plans? Every enrollment window
Calvert County compared with similar Maryland counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| St. Mary's County | 16,904 | 16.9% | 14% | Metro |
| Wicomico County | 18,040 | 27.3% | 22% | Metro |
| Cecil County | 18,651 | 21.8% | 16% | Metro |
| Queen Anne's County | 11,200 | 17.1% | 10% | Metro |
| Charles County | 24,347 | 25.0% | 14% | Metro |
| Somerset County | 4,555 | 30.4% | 28% | Metro |
See every Maryland county in our Maryland directory or go to our Maryland Medicare hub.