Medicare in Cumberland County by the numbers
| Cumberland County | North Carolina | |
|---|---|---|
| Residents age 65 and older | 44,854 | 1,908,489 statewide |
| Share of residents age 65+ | 13.3% | 17.6% statewide |
| People with Medicare | 61,759 | 2,336,840 statewide |
| Enrolled in Medicare Advantage | 35,896 | 1,353,169 statewide |
| Medicare Advantage share | 58.1% | 57.9% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among North Carolina’s 100 counties, Cumberland County comes in 9th for residents age 65 and up (44,854). Older adults make up 13.3% of the population here; the state figure is 17.6%. Another 17,122 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, 60% are 65 to 74, 30% are 75 to 84 and 9% are 85 or older (Census 2023 estimates). CMS data show 58.1% of Cumberland County residents with Medicare chose Medicare Advantage, which is close to the 57.9% average across North Carolina. 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 Cumberland County
Cumberland County is a metro county; the U.S. Department of Agriculture describes it as: counties in metro areas of 250,000 to 1 million population. Metro counties usually have more hospitals and more insurers competing for Medicare members, so there can be more plans to compare.
CMS counts 60,401 Medicare beneficiaries in Cumberland County (2023). Their average age is 71, younger than the North Carolina average of 73. About 13% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 13%.
Among people in Original Medicare in Cumberland County, CMS reported about 580 emergency room visits and 207 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (572) and close to it for hospital stays (210). 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 Cumberland County may have a different set of plans than the counties around it. We are not based in Cumberland County; we help Cumberland County residents by phone or video call.
Hospitals located in Cumberland County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Cumberland County:
- Cape Fear Valley Medical Center — Fayetteville (acute care; nonprofit; emergency services; CMS overall rating 2 of 5)
A hospital being in the county does not mean every plan covers it. Medicare Advantage networks differ by plan, so we check the hospitals and doctors you actually use 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.
Cumberland County: communities and ZIP codes
People in Cumberland County live in communities such as Fayetteville (209,749), Hope Mills (17,973), Spring Lake (11,507), Eastover (3,684), Stedman (1,296), Wade (647) (2023 population estimates, counting only the part of each community that lies inside the county).
Census ZIP Code Tabulation Areas mostly within Cumberland County number 17: 28301, 28303, 28304, 28305, 28306, 28307, 28308, 28310, 28311, 28312, 28314, 28331, 28342, 28348 and 3 more. Your exact ZIP code is what decides which plans you can join.
Questions about Medicare in Cumberland 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.
- North Carolina Department of Insurance: North Carolina’s insurance regulator, including agent license lookup.
Coverage we offer Cumberland County residents
We work with many carriers, which lets us compare more than one option for Cumberland County households, including final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance and life insurance.
Ready to compare plans in Cumberland County?
Tell us your doctors and medicines and we will show you what fits. No cost, no pressure.
Get my plan comparisonRead next
- Do you really need a Medicare agent?
- When can you switch Medicare plans? Every enrollment window
- How to read your Medicare Annual Notice of Change
- Medicare 101 for families
Cumberland County compared with similar North Carolina counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| New Hanover County | 46,870 | 45.3% | 10% | Metro |
| Gaston County | 39,774 | 63.5% | 15% | Metro |
| Durham County | 50,717 | 52.1% | 11% | Metro |
| Union County | 35,466 | 53.3% | 9% | Metro |
| Brunswick County | 55,001 | 44.5% | 5% | Metro |
| Iredell County | 34,075 | 60.1% | 9% | Metro |
See every North Carolina county in our North Carolina directory or go to our North Carolina Medicare hub.