Killeen-area carriers, real enrollment data, free quotes from a licensed Texas agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Bell County, TX has 64,413 Medicare beneficiaries per CMS Q1 2024 data, with about 52% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana Gold Plus H4007, Baylor Scott & White Medicare Advantage, TRICARE For Life. We compare these plans for free and never charge a fee.
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About 52% of Bell County's 64,413 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. Only 11% of Bell residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Texas agent fills. Humana Gold Plus H4007 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 20 Medicare Advantage plans are available in Bell County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Bell County different: Fort Cavazos (formerly Fort Hood) — largest active-duty Army post in the U.S. Massive TRICARE-to-Medicare transition market; Term Life for younger families.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
Baylor Scott & White Medicare Advantage (HMO)
4-star CMS rating
TRICARE For Life (supplement to Medicare)
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Bell County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Bell County: TX HICAP — Central Texas Council of Governments — call 1-800-252-9240. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Bell County plans that fit your situation.
About 64,413 Texans in Bell County are enrolled in Medicare as of May 2026 CMS data. About 52% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Bell County are Humana Gold Plus H4007 (HMO), Baylor Scott & White Medicare Advantage (HMO), TRICARE For Life (supplement to Medicare). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — Central Texas Council of Governments (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Baylor Scott & White Medical Center–Temple, Carl R. Darnall Army Medical Center, AdventHealth Central Texas.
As of May 2026, about 20 Medicare Advantage plans are available to Bell County residents, led by UnitedHealth Group, Inc., Baylor Scott & White Health, Humana Inc., CVS Health Corporation. We compare all of them side by side at no cost.
Due to the massive TRICARE-to-Medicare transition, many active-duty military families in Bell County are exploring Medicare Advantage plans that offer comprehensive coverage while aligning with local healthcare providers like Baylor Scott & White.
You can enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or through Special Enrollment Periods if you have a qualifying life event. It’s best to consult with a local agent for personalized advice.
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