Final Expense in Madison County, Texas. About 2,711 Medicare beneficiaries live here, with roughly 54 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.
Madison County, TX has about 13,648 residents per the 2024 ACS 5-year estimates (15% 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 Madison County final expense market
Madison County has about 13,648 residents, 15% 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 Madison 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).
Madison County at a glance
Population (2024 ACS)
13,648
Medicare beneficiaries
2,711
MA penetration
54%
Age 65 or older
15%
What makes Madison County different: Madison County's share of residents age 65+ is only about 15.5%, unusually low for a rural Texas county, because the Texas Department of Criminal Justice's Jim Ferguson Unit prison near Midway (capacity ~2,417 inmates) inflates the county's working-age population; even so, Medicare Advantage penetration is high at roughly 52%, with Humana and UnitedHealthcare the dominant carriers.
Top carriers in Madison County
Humana
4-star CMS rating
UnitedHealthcare
3.5-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 Madison 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. Madison County has 1
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–¸CHI St. Joseph Health Madison Hospital (Madisonville, critical access, 25 beds)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: CHI St. Joseph Health Madison Hospital (Madisonville, critical access, 25 beds)
Frequently Asked Questions
How many people live in Madison County?â–¾
Madison County has about 13,648 residents per the 2024 ACS 5-year estimates; 15% are age 65 or older.
Who are the top insurers in Madison County?â–¾
The largest carriers in Madison 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 Madison County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include CHI St. Joseph Health Madison Hospital (Madisonville, critical access, 25 beds).
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