Medicare in Morgan County by the numbers
| Morgan County | West Virginia | |
|---|---|---|
| Residents age 65 and older | 4,531 | 380,679 statewide |
| Share of residents age 65+ | 25.7% | 21.5% statewide |
| People with Medicare | 5,337 | 458,491 statewide |
| Enrolled in Medicare Advantage | 2,389 | 259,694 statewide |
| Medicare Advantage share | 44.8% | 56.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Among West Virginia’s 55 counties, Morgan County comes in 31st for residents age 65 and up (4,531). Older adults make up 25.7% of the population here; the state figure is 21.5%. The 1,538 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. Among residents 65 and older, 60% are 65 to 74, 30% are 75 to 84 and 10% are 85 or older (Census 2023 estimates). About 44.8% of people with Medicare in Morgan County are enrolled in a Medicare Advantage plan. That is lower than the West Virginia average of 56.6%. 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 Morgan County
Morgan 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 5,150 Medicare beneficiaries in Morgan County (2023). Their average age is 73, older than the West Virginia average of 72. About 13% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 20%.
Among people in Original Medicare in Morgan County, CMS reported about 630 emergency room visits and 243 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (684) and close to it for hospital stays (250). 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 Morgan County may differ from those in a neighboring county. We are not based in Morgan County; we help Morgan County residents by phone or video call.
Hospitals located in Morgan County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Morgan County:
- Valley Health War Memorial Hospital — Berkeley Springs (critical access; nonprofit; emergency services; CMS overall rating 5 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.
Communities and ZIP codes in Morgan County
Census Bureau 2023 estimates put the biggest communities in Morgan County at Bath (Berkeley Springs) (752), Paw Paw (410), counting only the part of each community inside the county.
Census ZIP Code Tabulation Areas mostly within Morgan County number 2: 25411, 25422. Your exact ZIP code is what decides which plans you can join.
Questions about Medicare in Morgan 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.
- HealthCare.gov if you are not yet on Medicare.
- West Virginia Offices of the Insurance Commissioner: West Virginia’s insurance regulator, including agent license lookup.
Coverage we offer Morgan County residents
We work with many carriers, which lets us compare more than one option for Morgan 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).
Get a clear answer for Morgan County
A short call is enough to compare your options. Our help is free to you.
Get my plan comparisonRead next
- 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?
Morgan County compared with similar West Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Boone County | 4,741 | 71.2% | 28% | Metro |
| Brooke County | 5,495 | 54.5% | 14% | Metro |
| Hampshire County | 5,874 | 46.7% | 19% | Metro |
| Hancock County | 7,010 | 48.2% | 13% | Metro |
| Preston County | 7,180 | 56.2% | 19% | Metro |
| Marshall County | 7,187 | 66.6% | 18% | Metro |
See every West Virginia county in our West Virginia directory or go to our West Virginia Medicare hub.