Medicare Supplement in Gaines County, Texas. About 2,316 Medicare beneficiaries live here, with roughly 39 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Gaines County Medicare Supplement — quick answer
Gaines County, TX has 2,316 Medicare beneficiaries per CMS Q1 2024 data, with about 39% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare. We compare these plans for free and never charge a fee.
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The Gaines County medicare supplement market
At roughly 39% MA penetration, most of Gaines County's 2,316 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. Only 9% of Gaines 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 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 4 Medicare Advantage plans are available in Gaines County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Gaines County at a glance
Population (2024 ACS)
22,232
Medicare beneficiaries
2,316
MA penetration
39%
Age 65 or older
9%
What makes Gaines County different: Gaines County is one of Texas's youngest counties (median age about 29.3; only roughly 9.4% are 65+ versus about 17% nationally), driven by its large Low German-speaking Old Colony Mennonite community and high birth rates. Despite this small senior base, CMS reports that 887 of its 2,203 Medicare beneficiaries (about 40%) are enrolled in Medicare Advantage as of December 2024, a market dominated by Humana's HumanaChoice Regional PPO (contract R4182), with UnitedHealthcare's Regional PPO and Special Needs Plans (contract R6801) also serving the county.
Top Medicare Advantage plans in Gaines County
Humana (HumanaChoice Regional PPO, contract R4182)
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 Gaines 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. Gaines 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
â–¸Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole
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 Gaines 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: Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole
Frequently Asked Questions
How many Medicare beneficiaries live in Gaines County?â–¾
About 2,316 Texans in Gaines County are enrolled in Medicare as of May 2026 CMS data. About 39% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Gaines County?â–¾
The largest carriers in Gaines County are Humana (HumanaChoice Regional PPO, contract R4182), UnitedHealthcare (Medicare Advantage Choice Regional PPO & SNPs, contract R6801). 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 Gaines County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole.
How many Medicare Advantage plans are available in Gaines County?â–¾
As of May 2026, about 4 Medicare Advantage plans are available to Gaines County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation. We compare all of them side by side at no cost.
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