Medicare Advantage in Karnes County, Texas. About 2,973 Medicare beneficiaries live here, with roughly 50 percent in Medicare Advantage plans. Top carriers include Aetna Medicare Signature - contract H5521 and HumanaChoice R4182-004. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Karnes County, TX has 2,973 Medicare beneficiaries per CMS Q1 2024 data, with about 50% enrolled in Medicare Advantage. The top medicare advantage carriers are Aetna Medicare Signature - contract H5521, HumanaChoice R4182-004, AARP Medicare Advantage from UnitedHealthcare - contract H4527. We compare these plans for free and never charge a fee.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
The Karnes County medicare advantage market
About 50% of Karnes County's 2,973 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. Aetna Medicare Signature - contract H5521 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 14 Medicare Advantage plans are available in Karnes County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Karnes County at a glance
Population (2024 ACS)
14,968
Medicare beneficiaries
2,973
MA penetration
50%
Age 65 or older
16%
What makes Karnes County different: Unlike most rural Texas counties, Karnes County has a high Medicare Advantage penetration of roughly 49% (1,431 of 2,916 beneficiaries in 2024), near the national average; its total Medicare beneficiary count grew from about 2,590 in 2016 to 2,916 in 2024, reflecting population gains from the Eagle Ford Shale oil-and-gas boom that began with ConocoPhillips' 2008 strike.
Top Medicare Advantage plans in Karnes County
Aetna Medicare Signature (PPO) - contract H5521
4.5-star CMS rating
HumanaChoice R4182-004 (Regional PPO)
3.5-star CMS rating
AARP Medicare Advantage from UnitedHealthcare (HMO-POS) - contract H4527
4.5-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 Karnes 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. Karnes 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
▸Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
AARP Medicare Advantage from UnitedHealthcare - contract H4527 4.5★
Search "AARP Medicare provider directory" or call the carrier directly.
Free help in Karnes 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: Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District)
Frequently Asked Questions
How many Medicare beneficiaries live in Karnes County?▾
About 2,973 Texans in Karnes County are enrolled in Medicare as of May 2026 CMS data. About 50% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Karnes County?▾
The largest carriers in Karnes County are Aetna Medicare Signature (PPO) - contract H5521, HumanaChoice R4182-004 (Regional PPO), AARP Medicare Advantage from UnitedHealthcare (HMO-POS) - contract H4527. 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 Karnes County?▾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District).
How many Medicare Advantage plans are available in Karnes County?▾
As of May 2026, about 14 Medicare Advantage plans are available to Karnes County residents, led by UnitedHealth Group, Inc., CVS Health Corporation, Humana Inc., Centene Corporation. We compare all of them side by side at no cost.
Why is Medicare Advantage so popular in Karnes County?▾
Due to the county's rapid population growth from the Eagle Ford Shale oil-and-gas boom, many seniors have chosen MA plans, which offer comprehensive coverage and are tailored to local healthcare needs.
When can I enroll in a Medicare Advantage plan in Karnes County?▾
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7 each year. Additionally, you may qualify for Special Enrollment Periods if there are changes in your health or coverage.
Hey 👋 — I'm trained on every page of gironagency.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
