Medicare Supplement in Caldwell County, Texas. About 8,206 Medicare beneficiaries live here, with roughly 30 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Texas agency, or visit mrandmrsinsurance.com.
Caldwell County Medicare Supplement — quick answer
Caldwell County, TX has 8,206 Medicare beneficiaries per CMS Q1 2024 data, with about 30% 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
At roughly 30% MA penetration, most of Caldwell County's 8,206 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.
Caldwell County at a glance
Population (2024 ACS)
57,361
Medicare beneficiaries
8,206
MA penetration
30%
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 132 days
132 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.
Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Caldwell County plans that fit your situation.
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 8,206 Texans in Caldwell County are enrolled in Medicare as of 2024 CMS data. About 30% 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 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 agents 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. Our agents are here to guide you through the process and help you compare options.
Hey 👋 — I'm trained on every page of mrandmrsinsurance.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt or Robin.
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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.
