Final Expense in Bandera County, Texas. About 8,206 Medicare beneficiaries live here, with roughly 49 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Bandera County, TX has about 22,021 residents per the 2024 ACS 5-year estimates (30% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare, Wellcare. We compare options at no cost to you.
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The Bandera County final expense market
Bandera County has about 22,021 residents, 30% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare, Wellcare — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana against every other carrier serving Bandera County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Bandera County at a glance
Population (2024 ACS)
22,021
Medicare beneficiaries
8,206
MA penetration
49%
Age 65 or older
30%
What makes Bandera County different: Bandera County has no acute-care hospital within its borders; its only local healthcare facility is the charitable Arthur Nagel Community Clinic, so the county's older-than-average residents (median age 53.5, nearly 30% age 65+) must travel roughly 25 miles to Peterson Regional Medical Center in Kerrville or farther to San Antonio for emergency and inpatient care.
Top carriers in Bandera County
Humana
4-star CMS rating
UnitedHealthcare (AARP)
4-star CMS rating
Wellcare (Centene)
3.5-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Before you enroll: verify your hospital + doctor in Bandera County
Each Final Expense plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Bandera County has 3
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
Major hospitals to verify
â–¸Peterson Regional Medical Center (Kerrville)
â–¸Methodist Hospital Hill Country (Fredericksburg)
â–¸Arthur Nagel Community Clinic (Bandera - safety-net clinic, not a hospital)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Peterson Regional Medical Center (Kerrville), Methodist Hospital Hill Country (Fredericksburg), Arthur Nagel Community Clinic (Bandera - safety-net clinic, not a hospital)
Frequently Asked Questions
How many people live in Bandera County?â–¾
Bandera County has about 22,021 residents per the 2024 ACS 5-year estimates; 30% are age 65 or older.
Who are the top insurers in Bandera County?â–¾
The largest carriers in Bandera County are Humana, UnitedHealthcare (AARP), Wellcare (Centene). We work with all of them and a few smaller carriers that often have better rates for specific situations.
What state resources are available in Bandera County?â–¾
Texas Health Information, Counseling and Advocacy Program (HICAP) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Peterson Regional Medical Center (Kerrville), Methodist Hospital Hill Country (Fredericksburg), Arthur Nagel Community Clinic (Bandera - safety-net clinic, not a hospital).
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