Medicare in Chesterfield County
Chesterfield County has about 63,434 residents age 65 or older (U.S. Census Bureau, 2023 population estimates). Hospitals in Chesterfield County include Johnston-Willis Hospital and St. Francis Medical Center. Medicare Advantage and Part D plan availability and provider networks are set county by county, so the plans open to you in Chesterfield County can differ from those in neighboring areas. That is why we check your ZIP code, your doctors and your prescriptions before recommending a plan.
Honorbrook is an independent agency licensed in Virginia, helping Chesterfield County residents by phone or video call.
The numbers behind Medicare in Chesterfield County
| Chesterfield County | Virginia | |
|---|---|---|
| Residents age 65 and older | 63,434 | 1,498,879 statewide |
| Share of residents age 65+ | 16.5% | 17.2% statewide |
| People with Medicare | 76,620 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 29,440 | 698,851 statewide |
| Medicare Advantage share | 38.4% | 39.6% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
Among Virginia’s 133 counties, Chesterfield County comes in 3rd for residents age 65 and up (63,434). Older adults make up 16.5% of the population here; the state figure is 17.2%. The 23,506 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. By age, the 65-and-older group splits 61% ages 65 to 74, 31% ages 75 to 84 and 8% age 85 and up (Census 2023). CMS data show 38.4% of Chesterfield County residents with Medicare chose Medicare Advantage, which is close to the 39.6% average across Virginia. 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 Chesterfield County
The U.S. Department of Agriculture classifies Chesterfield County as a metro county (counties in metro areas of 1 million population or more). 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 73,496 Medicare beneficiaries in Chesterfield County (2023). Their average age is 73, about the same as the Virginia average of 74. About 6% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 9%.
Among people in Original Medicare in Chesterfield County, CMS reported about 574 emergency room visits and 229 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.
Chesterfield County: communities and ZIP codes
Census ZIP Code Tabulation Areas mostly within Chesterfield County number 13: 23112, 23113, 23114, 23120, 23234, 23235, 23236, 23237, 23831, 23832, 23834, 23836, 23838. Your exact ZIP code is what decides which plans you can join.
Questions about your Medicare options?
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 Chesterfield County residents
We work with many carriers, which lets us compare more than one option for Chesterfield County households, including Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage and Medicare Supplement (Medigap).
Let's check your Chesterfield County options together
We will confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonMedicare guides for Chesterfield County residents
- How to read your Medicare Annual Notice of Change
- Medigap Plan G vs. Plan N
- Do you really need a Medicare agent?
- Does Medicare cover dental, vision and hearing?
Chesterfield County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Henrico County | 58,689 | 41.7% | 8% | Metro |
| Prince William County | 57,805 | 37.2% | 8% | Metro |
| City of Virginia Beach | 74,911 | 35.7% | 6% | Metro |
| Loudoun County | 49,711 | 32.7% | 7% | Metro |
| City of Chesapeake | 38,077 | 39.9% | 6% | Metro |
| City of Richmond | 33,293 | 53.1% | 15% | Metro |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.