Medicare in City of Charlottesville by the numbers
| City of Charlottesville | Virginia | |
|---|---|---|
| Residents age 65 and older | 6,335 | 1,498,879 statewide |
| Share of residents age 65+ | 14.1% | 17.2% statewide |
| People with Medicare | 6,726 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 2,187 | 698,851 statewide |
| Medicare Advantage share | 32.5% | 39.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Virginia’s 133 counties, City of Charlottesville comes in 57th for residents age 65 and up (6,335). Older adults make up 14.1% of the population here; the state figure is 17.2%. Another 2,237 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 64% ages 65 to 74, 28% ages 75 to 84 and 8% age 85 and up (Census 2023). About 32.5% of people with Medicare in City of Charlottesville are enrolled in a Medicare Advantage plan. That is lower than 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 City of Charlottesville
The U.S. Department of Agriculture classifies City of Charlottesville 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 6,935 Medicare beneficiaries in City of Charlottesville (2023). Their average age is 74, about the same as the Virginia average of 74. About 11% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 9%.
Among people in Original Medicare in City of Charlottesville, CMS reported about 552 emergency room visits and 164 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (589) and lower than it for hospital stays (206). 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.
Where you live decides which Medicare Advantage and Part D plans you can join, and City of Charlottesville may have a different set of plans than the counties around it. We are not based in City of Charlottesville; we help City of Charlottesville residents by phone or video call.
Hospitals located in City of Charlottesville
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in City of Charlottesville:
- University of Virginia Medical Center — Charlottesville (acute care; government-owned; emergency services; CMS overall rating 4 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.
City of Charlottesville: communities and ZIP codes
People in City of Charlottesville live in communities such as Charlottesville (44,983) (2023 population estimates, counting only the part of each community that lies inside the county).
Census ZIP Code Tabulation Areas mostly within City of Charlottesville number 1: 22908. Your exact ZIP code is what decides which plans you can join.
Questions about Medicare in City of Charlottesville?
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.
- Medicare Care Compare for hospitals and doctors.
- Social Security: Medicare to enroll or check status.
- Medicare.gov: Medigap on how Medicare Supplement works.
- Virginia Bureau of Insurance: Virginia’s insurance regulator, including agent license lookup.
Coverage we offer City of Charlottesville residents
We work with many carriers, which lets us compare more than one option for City of Charlottesville 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 City of Charlottesville options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonPlain-English Medicare answers
- When can you switch Medicare plans? Every enrollment window
- How to read your Medicare Annual Notice of Change
- Medicare 101 for families
- What Medicare Part D actually costs
City of Charlottesville compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Fluvanna County | 6,268 | 31.7% | 6% | Metro |
| Powhatan County | 6,626 | 31.5% | 4% | Metro |
| Prince George County | 5,828 | 30.7% | 5% | Metro |
| City of Petersburg | 5,656 | 72.9% | 21% | Metro |
| Dinwiddie County | 5,564 | 40.5% | 9% | Metro |
| City of Staunton | 5,560 | 38.0% | 12% | Metro |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.