Honorbrook Insurance is an independent agency licensed in North Carolina, helping Mecklenburg County residents choose Medicare, ACA, life and retirement coverage by phone or video call. Our help is free to you, and because we are independent, we compare plans from many carriers instead of selling one company’s products.
Medicare in Mecklenburg County
Mecklenburg County includes Charlotte, the county seat. According to the U.S. Census Bureau, 2023 population estimates, about 143,690 Mecklenburg County residents are age 65 or older, so choosing the right Medicare coverage is a decision many of your neighbors are making too. Whether you are turning 65, retiring, or reviewing your current plan, we can walk through your choices with you on a call at a time that suits you.
Major hospitals and health systems serving the county include Atrium Health Carolinas Medical Center and Novant Health Presbyterian Medical Center in Charlotte. Medicare Advantage and Part D plan availability and provider networks are set county by county, and they can change every year. Original Medicare (Parts A and B) is the same nationwide, but the private plans you can add to it are not. That is why we check the plans offered where you live and confirm that your doctors and pharmacy are included before you enroll.
The numbers behind Medicare in Mecklenburg County
| Mecklenburg County | North Carolina | |
|---|---|---|
| Residents age 65 and older | 143,690 | 1,908,489 statewide |
| Share of residents age 65+ | 12.3% | 17.6% statewide |
| People with Medicare | 169,575 | 2,336,840 statewide |
| Enrolled in Medicare Advantage | 93,974 | 1,353,169 statewide |
| Medicare Advantage share | 55.4% | 57.9% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
With roughly 143,690 residents age 65 and older, Mecklenburg County is 2nd among 100 North Carolina counties for older residents. That group is 12.3% of its population, compared with 17.6% across North Carolina. Another 60,972 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, 30% are 75 to 84 and 9% are 85 or older (Census 2023 estimates). CMS data show 55.4% of Mecklenburg 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 Mecklenburg County
Mecklenburg County is a metro county; the U.S. Department of Agriculture describes it as: counties in metro areas of 1 million population or more. Metro counties usually have more hospitals and more insurers competing for Medicare members, so there can be more plans to compare.
CMS counts 161,617 Medicare beneficiaries in Mecklenburg County (2023). Their average age is 73, about the same as the North Carolina average of 73. About 11% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 13%.
Among people in Original Medicare in Mecklenburg County, CMS reported about 570 emergency room visits and 206 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 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.
Mecklenburg County: communities and ZIP codes
People in Mecklenburg County live in communities such as Charlotte (911,311), Huntersville (64,688), Cornelius (33,139), Matthews (30,934), Mint Hill (27,815), Davidson (14,115) (2023 population estimates, counting only the part of each community that lies inside the county).
Census ZIP Code Tabulation Areas mostly within Mecklenburg County number 34: 28031, 28036, 28078, 28105, 28134, 28202, 28203, 28204, 28205, 28206, 28207, 28208, 28209, 28210 and 20 more. Your exact ZIP code is what decides which plans you can join.
Questions about Medicare in Mecklenburg 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 Mecklenburg County residents
Here is what we can help Mecklenburg County residents with, drawing on plans from many insurers: ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans.
Let’s review your Mecklenburg County options together
A phone or video call is all it takes. We will check your doctors and prescriptions first.
Get my plan comparisonPlain-English Medicare answers
- What Medicare Part D actually costs
- Can I change my Medicare plan after December 7?
- How to read your Medicare Annual Notice of Change
- Medigap Plan G vs. Plan N
Mecklenburg County compared with similar North Carolina counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Wake County | 159,366 | 52.8% | 9% | Metro |
| Guilford County | 89,625 | 72.0% | 14% | Metro |
| Forsyth County | 68,335 | 69.3% | 13% | Metro |
| Buncombe County | 60,275 | 48.3% | 11% | Metro |
| Brunswick County | 55,001 | 44.5% | 5% | Metro |
| Durham County | 50,717 | 52.1% | 11% | Metro |
See every North Carolina county in our North Carolina directory or go to our North Carolina Medicare hub.