Medicare Advantage in Caldwell County, Texas. About 8,732 Medicare beneficiaries live here, with roughly 56 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Caldwell County, TX has 8,732 Medicare beneficiaries per CMS Q1 2024 data, with about 56% enrolled in Medicare Advantage. The top medicare advantage carriers are UnitedHealthcare, Humana, Devoted Health. We compare these plans for free and never charge a fee.
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The Caldwell County medicare advantage market
About 56% of Caldwell County's 8,732 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. UnitedHealthcare 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 19 Medicare Advantage plans are available in Caldwell County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Caldwell County at a glance
Population (2024 ACS)
57,361
Medicare beneficiaries
8,732
MA penetration
56%
Age 65 or older
15%
What makes Caldwell County different: Lockhart, the Caldwell County seat, was named 'Barbecue Capital of Texas' by the Texas House in 1999 (with a Senate resolution in 2003) and is a magnet for BBQ tourists; Caldwell County was among the fastest-growing U.S. counties in 2024, posting a 4.6% population jump from 2023 to 2024 as an Austin-San Antonio corridor commuter county.
Top Medicare Advantage plans in Caldwell County
UnitedHealthcare (AARP)
4-star CMS rating
Humana
4-star CMS rating
Devoted Health
4.5-star CMS rating
BCBS of Texas (HCSC)
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 Caldwell County
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. Caldwell County has 2
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
▸Ascension Seton Edgar B. Davis Hospital (Luling)
▸Ascension Seton Lockhart Family Healthcare Center (Lockhart)
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 Caldwell County: Texas HICAP — 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.
Medicare AEP opens in 131 days
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.
Major hospitals: Ascension Seton Edgar B. Davis Hospital (Luling), Ascension Seton Lockhart Family Healthcare Center (Lockhart)
Frequently Asked Questions
How many Medicare beneficiaries live in Caldwell County?▾
About 8,732 Texans in Caldwell County are enrolled in Medicare as of May 2026 CMS data. About 56% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Caldwell County?▾
The largest carriers in Caldwell County are UnitedHealthcare (AARP), Humana, Devoted Health, BCBS of Texas (HCSC). We work with all of them and a few smaller carriers that often have better rates for specific situations.
What SHIP resources are available in Caldwell County?▾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Seton Edgar B. Davis Hospital (Luling), Ascension Seton Lockhart Family Healthcare Center (Lockhart).
How many Medicare Advantage plans are available in Caldwell County?▾
As of May 2026, about 19 Medicare Advantage plans are available to Caldwell County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation, Health Care Service Corporation. We compare all of them side by side at no cost.
How does being the 'Barbecue Capital of Texas' affect Medicare Advantage options for residents?▾
Residents in Lockhart, known as the 'Barbecue Capital of Texas,' can benefit from a variety of Medicare Advantage plans offered by top carriers like UnitedHealthcare and Humana. These plans are tailored to meet the needs of local seniors, including those who enjoy outdoor activities and social events centered around barbecue.
When is the best time for seniors in Caldwell County to enroll in a Medicare Advantage plan?▾
Seniors in Caldwell County should consider enrolling during the Annual Enrollment Period (AEP) from October 15th to December 7th each year. However, they can also make changes outside of AEP through Special Enrollment Periods if there are qualifying life events.
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