Medicare in Caroline County by the numbers
| Caroline County | Virginia | |
|---|---|---|
| Residents age 65 and older | 5,673 | 1,498,879 statewide |
| Share of residents age 65+ | 17.4% | 17.2% statewide |
| People with Medicare | 7,246 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 3,082 | 698,851 statewide |
| Medicare Advantage share | 42.5% | 39.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Virginia’s 133 counties, Caroline County comes in 62nd for residents age 65 and up (5,673). Older adults make up 17.4% of the population here; the state figure is 17.2%. Another 2,238 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, 61% are 65 to 74, 31% are 75 to 84 and 8% are 85 or older (Census 2023 estimates). Medicare Advantage enrollment in Caroline County is 42.5% of people with Medicare, close to the Virginia average of 39.6%. 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 Caroline County
Caroline County is a rural county (USDA: urban population of fewer than 5,000, adjacent to a metro area). Plan choices can be narrower than in a city, and we focus on networks that include the doctors and hospital you actually use.
CMS counts 6,921 Medicare beneficiaries in Caroline County (2023). Their average age is 73, about the same as the Virginia average of 74. About 9% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 9%.
Among people in Original Medicare in Caroline County, CMS reported about 701 emergency room visits and 276 inpatient hospital stays per 1,000 beneficiaries in 2023, which is higher than the state average for emergency visits (589) and higher than it for hospital stays (206). About 10% 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 Caroline County can be different from the ones offered next door. We are not based in Caroline County; we help Caroline County residents by phone or video call.
Hospitals and doctors near Caroline County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Caroline 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.
Caroline County: communities and ZIP codes
The largest communities in Caroline County by 2023 Census population estimates are Bowling Green (1,225), Port Royal (207). Each figure counts only the people living inside the county.
ZIP codes that fall mostly inside Caroline County include 22427, 22514, 22535, 22538, 22546, 22580. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Caroline 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 Caroline County residents
We work with many carriers, which lets us compare more than one option for Caroline 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.
Get a clear answer for Caroline County
A short call is enough to compare your options. Our help is free to you.
Get my plan comparisonRead next
- 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
Caroline 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 |
| Westmoreland County | 5,335 | 35.5% | 10% | Rural |
| Russell County | 6,161 | 66.3% | 18% | Rural |
| Lee County | 5,149 | 69.9% | 26% | Rural |
| Patrick County | 4,869 | 49.8% | 13% | Rural |
| Buchanan County | 4,714 | 65.1% | 25% | Rural |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.