Medicare Supplement in Gray County, Texas. About 4,153 Medicare beneficiaries live here, with roughly 40 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.
Gray County, TX has 4,153 Medicare beneficiaries per CMS Q1 2024 data, with about 40% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare, Wellpoint. We compare these plans for free and never charge a fee.
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The Gray County medicare supplement market
At roughly 40% MA penetration, most of Gray County's 4,153 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. 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 10 Medicare Advantage plans are available in Gray County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Gray County at a glance
Population (2024 ACS)
21,045
Medicare beneficiaries
4,153
MA penetration
40%
Age 65 or older
18%
What makes Gray County different: Gray County's Medicare population is served by a single 25-bed critical-access hospital, Pampa Regional Medical Center (a member of the Prime Healthcare Foundation), and its Medicare Advantage market is unusually concentrated: of the roughly 14 MA plans available, Humana offers the majority, reflecting the carrier's long-standing dominance across the oil-and-gas Texas Panhandle. About 38% of the county's ~4,187 Medicare beneficiaries are in Medicare Advantage, below the ~54% national rate (and below the ~42% rural-county average), with the remaining majority in Original Medicare.
Top Medicare Advantage plans in Gray County
Humana
3.5-star CMS rating
UnitedHealthcare
3.5-star CMS rating
Wellpoint (Anthem)
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 Gray 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. Gray 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–¸Pampa Regional Medical Center
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Wellpoint 3.5★
Search "Wellpoint (Anthem) provider directory" or call the carrier directly.
Free help in Gray 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.
How many Medicare beneficiaries live in Gray County?â–¾
About 4,153 Texans in Gray County are enrolled in Medicare as of May 2026 CMS data. About 40% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Gray County?â–¾
The largest carriers in Gray County are Humana, UnitedHealthcare, Wellpoint (Anthem). 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 Gray County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Pampa Regional Medical Center.
How many Medicare Advantage plans are available in Gray County?â–¾
As of May 2026, about 10 Medicare Advantage plans are available to Gray County residents, led by UnitedHealth Group, Inc., Humana Inc., Universal Health Services, Inc., Elevance Health, Inc.. We compare all of them side by side at no cost.
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