Medicare in Cumberland County by the numbers
| Cumberland County | Virginia | |
|---|---|---|
| Residents age 65 and older | 2,327 | 1,498,879 statewide |
| Share of residents age 65+ | 23.6% | 17.2% statewide |
| People with Medicare | 2,551 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 1,079 | 698,851 statewide |
| Medicare Advantage share | 42.3% | 39.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among Virginia’s 133 counties, Cumberland County comes in 111th for residents age 65 and up (2,327). Older adults make up 23.6% of the population here; the state figure is 17.2%. Another 795 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, 56% are 65 to 74, 35% are 75 to 84 and 9% are 85 or older (Census 2023 estimates). About 42.3% of people with Medicare in Cumberland County are enrolled in a Medicare Advantage plan. That is close to 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 Cumberland County
Cumberland 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 2,481 Medicare beneficiaries in Cumberland County (2023). Their average age is 74, about the same as the Virginia average of 74. About 10% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 9%.
Among people in Original Medicare in Cumberland County, CMS reported about 629 emergency room visits and 242 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (589) and higher 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.
Medicare Advantage and Part D plan availability and provider networks are set county by county, so the plans open to you in Cumberland County may differ from those in a neighboring county. We are not based in Cumberland County; we help Cumberland County residents by phone or video call.
Hospitals and doctors near Cumberland County
CMS Hospital General Information lists no acute care, critical access or children’s hospital located inside Cumberland 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.
Cumberland County: communities and ZIP codes
People in Cumberland County live in communities such as Farmville (523) (2023 population estimates, counting only the part of each community that lies inside the county).
We look up plans by ZIP code. In Cumberland County, that means areas such as 23027, 23040, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
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.
- 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 Cumberland County residents
We work with many carriers, which lets us compare more than one option for Cumberland County households, including Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities and Medicare Advantage.
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 comparisonPlain-English Medicare answers
- Medicare Advantage vs. Medigap: how to choose
- Can I change my Medicare plan after December 7?
- Do you really need a Medicare agent?
- Medicare 101 for families
Cumberland County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Charlotte County | 2,594 | 43.8% | 14% | Rural |
| Richmond County | 2,020 | 37.8% | 11% | Rural |
| Essex County | 2,646 | 42.2% | 9% | Rural |
| Lunenburg County | 2,889 | 45.0% | 14% | Rural |
| Nottoway County | 2,908 | 45.0% | 14% | Rural |
| Bland County | 1,576 | 46.0% | 10% | Rural |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.