Medicare Supplement in Cooke County, Texas. About 9,882 Medicare beneficiaries live here, with roughly 42 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana Value Choice. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Cooke County, TX has 9,882 Medicare beneficiaries per CMS Q1 2024 data, with about 42% enrolled in Medicare Advantage. The top medicare supplement carriers are UnitedHealthcare, Humana Value Choice, UnitedHealthcare. We compare these plans for free and never charge a fee.
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The Cooke County medicare supplement market
At roughly 42% MA penetration, most of Cooke County's 9,882 Medicare beneficiaries stay on Original Medicare, frequently paired with a Medigap policy. That pattern usually signals retirees here prize provider choice and predictable out-of-pocket costs over the lower premiums of MA. 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 18 Medicare Advantage plans are available in Cooke County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Cooke County at a glance
Population (2024 ACS)
43,046
Medicare beneficiaries
9,882
MA penetration
42%
Age 65 or older
20%
What makes Cooke County different: Cooke County sits on the Oklahoma border at the I-35 gateway to Gainesville and skews older, with about 20% of residents 65+. Yet county-wide Medicare Advantage penetration is relatively low at roughly 29%, leaving most of its ~8,500 Medicare beneficiaries on Original Medicare and open to Medigap or MA switching; its sole hospital, the 60-bed North Texas Medical Center, is owned by the Gainesville Hospital District.
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 Cooke 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. Cooke 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
▸North Texas Medical Center (Gainesville)
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 Cooke 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: North Texas Medical Center (Gainesville)
Frequently Asked Questions
How many Medicare beneficiaries live in Cooke County?▾
About 9,882 Texans in Cooke County are enrolled in Medicare as of May 2026 CMS data. About 42% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Cooke County?▾
The largest carriers in Cooke County are UnitedHealthcare (AARP Medicare Advantage Extras, HMO-POS), Humana Value Choice (PPO), UnitedHealthcare (AARP Medicare Advantage, PPO). 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 Cooke County?▾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include North Texas Medical Center (Gainesville).
How many Medicare Advantage plans are available in Cooke County?▾
As of May 2026, about 18 Medicare Advantage plans are available to Cooke County residents, led by UnitedHealth Group, Inc., Humana Inc., Elevance Health, Inc., Centene Corporation. We compare all of them side by side at no cost.
How does Cooke County's low Medicare Advantage penetration affect me?▾
With only about 29% in Medicare Advantage and most on Original Medicare, you have more options to choose from locally. Get a free quote for Medigap plans G, N, or high-deductible G that can help fill the gaps.
When is the best time to enroll in a Medicare Supplement plan?▾
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7 each year. Additionally, you can sign up during Open Enrollment or Special Enrollment Periods if your situation changes.
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