Lubbock-area carriers, real enrollment data, free quotes from a licensed Texas agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Lubbock County, TX has 54,261 Medicare beneficiaries per CMS Q1 2024 data, with about 53% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H4007, Covenant Medicare Plan, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare these plans for free and never charge a fee.
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About 53% of Lubbock County's 54,261 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. Only 13% of Lubbock 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 Gold Plus H4007 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 22 Medicare Advantage plans are available in Lubbock County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Lubbock County different: South Plains regional hub — Covenant Health is the dominant provider-aligned MA plan. Oil + agriculture retiree mix.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
Covenant Medicare Plan (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
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. Lubbock County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
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 Lubbock County: TX HICAP — South Plains Association of Governments — 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.
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.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Lubbock County plans that fit your situation.
About 54,261 Texans in Lubbock County are enrolled in Medicare as of May 2026 CMS data. About 53% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Lubbock County are Humana Gold Plus H4007 (HMO), Covenant Medicare Plan (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — South Plains Association of Governments (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Covenant Medical Center, University Medical Center, Grace Medical Center.
As of May 2026, about 22 Medicare Advantage plans are available to Lubbock County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation, Centene Corporation. We compare all of them side by side at no cost.
In Lubbock, the dominant provider-aligned Medicare Advantage plan is Covenant Health. This unique local fact influences the availability and types of Medicare Supplement plans that are best suited for retirees living near Covenant Medical Center or University Medical Center.
Enrollment timing is crucial; you can sign up during Annual Enrollment Period (AEP) from Oct 15 to Dec 7 each year. Additionally, Special Enrollment Periods (SEPs) are available for life changes like moving to Lubbock County or experiencing a change in income.
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