Final Expense in Falls County, Texas. About 3,751 Medicare beneficiaries live here, with roughly 62 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.
Falls County, TX has about 17,752 residents per the 2024 ACS 5-year estimates (19% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare, Aetna. We compare options at no cost to you.
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The Falls County final expense market
Falls County has about 17,752 residents, 19% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare, Aetna — 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 Falls 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).
Falls County at a glance
Population (2024 ACS)
17,752
Medicare beneficiaries
3,751
MA penetration
62%
Age 65 or older
19%
What makes Falls County different: Falls County's only hospital, Falls Community Hospital & Clinic in Marlin, is one of just a handful of Texas hospitals to adopt the federal Rural Emergency Hospital (REH) designation (effective 2023), so it now provides emergency and outpatient care without traditional inpatient beds, pushing Medicare patients needing hospitalization to Waco's Ascension Providence and Baylor Scott & White Hillcrest about 25-30 miles north.
Top carriers in Falls County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
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 Falls 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. Falls 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–¸Falls Community Hospital & Clinic (Marlin)
â–¸Ascension Providence Hospital (Waco)
â–¸Baylor Scott & White Medical Center - Hillcrest (Waco)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Falls Community Hospital & Clinic (Marlin), Ascension Providence Hospital (Waco), Baylor Scott & White Medical Center - Hillcrest (Waco)
Frequently Asked Questions
How many people live in Falls County?â–¾
Falls County has about 17,752 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
Who are the top insurers in Falls County?â–¾
The largest carriers in Falls County are Humana, UnitedHealthcare, Aetna. 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 Falls County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Falls Community Hospital & Clinic (Marlin), Ascension Providence Hospital (Waco), Baylor Scott & White Medical Center - Hillcrest (Waco).
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