Medicare Supplement 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 Medicare Supplement — quick answer
Caldwell County, TX has 8,732 Medicare beneficiaries per CMS Q1 2024 data, with about 56% enrolled in Medicare Advantage. The top medicare supplement 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 supplement 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 Supplement 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 Lockhart's status as the 'Barbecue Capital of Texas' affect Medicare Supplement plans?▾
While Lockhart's unique barbecue culture doesn't directly impact Medicare Supplement plans, our local agent can provide personalized advice and help you find a plan that fits your needs in this growing Austin-San Antonio commuter county.
When is the best time to enroll in a Medicare Supplement plan?▾
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th, or during Special Enrollment Periods if you have a life event. Matt is here to guide you through the process and help you compare options.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
