Caldwell County Medicare at a glance
| Caldwell County | Texas | |
|---|---|---|
| Residents age 65 and older | 7,737 | 4,188,063 statewide |
| Share of residents age 65+ | 15.5% | 13.7% statewide |
| People with Medicare | 8,884 | 5,048,909 statewide |
| Enrolled in Medicare Advantage | 4,946 | 2,770,279 statewide |
| Medicare Advantage share | 55.7% | 54.9% statewide |
Data: U.S. Census Bureau (2023 population estimates); CMS, September 2026. Medicare Advantage share is enrollees divided by people with Medicare.
Caldwell County ranks 79th of 254 Texas counties by number of residents age 65 and older, with about 7,737 people in that age group, or 15.5% of residents (statewide: 13.7%). The 2,959 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. By age, the 65-and-older group splits 61% ages 65 to 74, 29% ages 75 to 84 and 10% age 85 and up (Census 2023). Medicare Advantage enrollment in Caldwell County is 55.7% of people with Medicare, close to the Texas average of 54.9%. Averages cannot choose a plan for you. Medicare Advantage and Original Medicare with a Medigap plan each suit different people, depending on doctors, medicines and how you prefer to handle costs, and we compare both at your ZIP code.
Who has Medicare in Caldwell County
The U.S. Department of Agriculture classifies Caldwell County as a metro county (counties in metro areas of 1 million population or more). Counties like this tend to have a wider choice of hospitals and Medicare plans than rural ones, though networks still differ plan by plan.
CMS counts 8,657 Medicare beneficiaries in Caldwell County (2023). Their average age is 73, about the same as the Texas average of 73. About 16% are “dual eligible,” meaning they have both Medicare and Medicaid, higher than the state figure of 11%. Where many people have both, special plans for dual-eligible members can matter; see our Medicaid and dual eligible guide, since availability varies by plan and area.
Among people in Original Medicare in Caldwell County, CMS reported about 612 emergency room visits and 251 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (580) and close to it for hospital stays (226). About 9% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Insurers choose which counties to serve each year, which means the Medicare Advantage and Part D plans you can pick in Caldwell County can be different from the ones offered next door. We are not based in Caldwell County; we help Caldwell County residents by phone or video call.
Hospitals located in Caldwell County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Caldwell County:
- Ascension Seton Edgar B Davis — Luling (critical access; nonprofit; emergency services)
A hospital being in the county does not mean every plan covers it. Medicare Advantage networks differ by plan, so we check the hospitals and doctors you actually use before you enroll. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
Caldwell County: communities and ZIP codes
The largest communities in Caldwell County by 2023 Census population estimates are Lockhart (15,318), Luling (5,621), Martindale (1,256), Uhland (645), Mustang Ridge (497), Niederwald (145). Each figure counts only the people living inside the county.
ZIP codes that fall mostly inside Caldwell County include 78616, 78622, 78644, 78648, 78655, 78656, 78661. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Caldwell County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- HealthCare.gov if you are not yet on Medicare.
- Medicare Care Compare for hospitals and doctors.
- Social Security: Medicare to enroll or check status.
- Texas Department of Insurance: Texas’s insurance regulator, including agent license lookup.
Coverage we offer Caldwell County residents
Here is what we can help Caldwell County residents with, drawing on plans from many insurers: ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans and ACA health insurance.
Get a clear answer for Caldwell County
A short call is enough to compare your options. Our help is free to you.
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Caldwell County compared with similar Texas counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Atascosa County | 7,812 | 64.2% | 18% | Metro |
| Waller County | 7,486 | 51.3% | 10% | Metro |
| Aransas County | 7,312 | 57.5% | 7% | Metro |
| Upshur County | 8,204 | 53.9% | 9% | Metro |
| Maverick County | 6,891 | 76.9% | 45% | Metro |
| Austin County | 6,809 | 44.6% | 8% | Metro |
See every Texas county in our Texas directory or go to our Texas Medicare hub.