Montgomery County Medicare at a glance
| Montgomery County | Texas | |
|---|---|---|
| Residents age 65 and older | 99,841 | 4,188,063 statewide |
| Share of residents age 65+ | 14.0% | 13.7% statewide |
| People with Medicare | 124,457 | 5,048,909 statewide |
| Enrolled in Medicare Advantage | 65,017 | 2,770,279 statewide |
| Medicare Advantage share | 52.2% | 54.9% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
With roughly 99,841 residents age 65 and older, Montgomery County is 11th among 254 Texas counties for older residents. That group is 14.0% of its population, compared with 13.7% across Texas. About 40,707 more people are 60 to 64 and are heading toward Medicare; our turning 65 guide explains their first steps. By age, the 65-and-older group splits 62% ages 65 to 74, 30% ages 75 to 84 and 8% age 85 and up (Census 2023). CMS data show 52.2% of Montgomery County residents with Medicare chose Medicare Advantage, which is close to the 54.9% average across Texas. A county average does not tell you which kind of plan fits you. Whether Medicare Advantage or Original Medicare with a Medigap plan is the better fit depends on your doctors, your prescriptions and how you want to handle costs, so we compare both for your ZIP code.
Who has Medicare in Montgomery County
The U.S. Department of Agriculture classifies Montgomery 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 113,440 Medicare beneficiaries in Montgomery County (2023). Their average age is 73, about the same as the Texas average of 73. About 6% are “dual eligible,” meaning they have both Medicare and Medicaid, lower than the state figure of 11%.
Among people in Original Medicare in Montgomery County, CMS reported about 557 emergency room visits and 234 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 8% 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 Montgomery County can be different from the ones offered next door. We are not based in Montgomery County; we help Montgomery County residents by phone or video call.
Hospitals located in Montgomery County
The Centers for Medicare & Medicaid Services (CMS) lists these hospitals in Montgomery County:
- Aspire Hospital — Conroe (acute care; physician-owned; no emergency department)
- CHI St. Lukes Lakeside Hospital — The Woodlands (acute care; nonprofit; emergency services)
- HCA Houston Healthcare Conroe — Conroe (acute care; for-profit; emergency services; CMS overall rating 2 of 5)
- Houston Methodist the Woodlands Hospital — The Woodlands (acute care; nonprofit; emergency services; CMS overall rating 5 of 5)
- St. Luke's the Woodlands Hospital — The Woodlands (acute care; nonprofit; emergency services; CMS overall rating 3 of 5)
- The Woodlands Specialty Hospital — Spring (acute care; for-profit; emergency services)
Network rules, not geography, decide whether a plan covers a hospital. We look up the hospitals and doctors you use and check them against each plan 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.
Where people live in Montgomery County
People in Montgomery County live in communities such as Conroe (108,248), Willis (6,964), Houston (6,168), Magnolia (5,320), Shenandoah (3,807), Oak Ridge North (2,968) (2023 population estimates, counting only the part of each community that lies inside the county).
We look up plans by ZIP code. In Montgomery County, that means areas such as 77301, 77302, 77303, 77304, 77306, 77316, 77318, 77354, 77355, 77356, 77357, 77362, 77365, 77372 and 7 more, based on Census ZIP Code Tabulation Areas that lie mostly in the county.
Questions about Medicare in Montgomery 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 Montgomery County residents
As an independent agency we are not tied to one insurer, so for Montgomery County residents we can compare Medicare Advantage, Medicare Supplement (Medigap), Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance and annuities.
Ready to compare plans in Montgomery County?
Tell us your doctors and medicines and we will show you what fits. No cost, no pressure.
Get my plan comparisonPlain-English Medicare answers
- What Medicare Part D actually costs
- Can I change my Medicare plan after December 7?
- How to read your Medicare Annual Notice of Change
- Medigap Plan G vs. Plan N
Montgomery County compared with similar Texas counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Hidalgo County | 106,589 | 78.0% | 27% | Metro |
| Williamson County | 91,251 | 47.4% | 6% | Metro |
| El Paso County | 117,006 | 74.9% | 12% | Metro |
| Fort Bend County | 118,950 | 55.6% | 10% | Metro |
| Denton County | 120,688 | 45.0% | 7% | Metro |
| Cameron County | 61,905 | 75.0% | 32% | Metro |
See every Texas county in our Texas directory or go to our Texas Medicare hub.