San Antonio Medicare Insurance Agency

Bexar County has 47 Medicare Advantage (Part C) plans on the market for 2026, offered by 10 parent carriers -- among them UnitedHealthcare, Humana, Community First, Wellcare, Blue Cross Blue Shield of Texas, Devoted Health, and SCAN. Plan availability is set by CMS at the county level, so it's identical whether you live in downtown San Antonio, Helotes, or Converse. Source: CMS Medicare Advantage / Part D Landscape file, contract year 2026, Bexar County, TX (data.cms.gov).

Yes. 32 of the 47 Medicare Advantage plans available in Bexar County for 2026 carry a $0 monthly premium. A $0 premium plan still has its own deductibles, copays, and out-of-pocket maximum, so "free" only describes the monthly premium line, never the total cost of care. Source: CMS Medicare Advantage / Part D Landscape file, contract year 2026, Bexar County, TX (data.cms.gov).

The 2026 Bexar County lineup is a mix: 20 HMO plans, 16 PPO plans, 7 HMO-POS plans, 3 Regional PPO plans, and 1 PFFS plan. HMO plans generally require a primary care doctor and referrals to see specialists; PPO plans cost more but let you see out-of-network providers. Source: CMS Medicare Advantage / Part D Landscape file, contract year 2026, Bexar County, TX (data.cms.gov).

CDC data puts diagnosed diabetes at 13.9% and high blood pressure at 33.5% among Bexar County adults (2023). Both are chronic conditions where prescription drug coverage, specialist access, and a plan's Part D formulary matter more than the sticker price of the premium -- worth walking through with a licensed agent before enrolling. Source: CDC PLACES County Data, 2023 release, Bexar County, TX (cdc.gov/places).

16% of Bexar County's civilian population was uninsured as of 2022 (US Census ACS). Medicare itself covers people 65 and older and some younger people with qualifying disabilities, regardless of that county-wide uninsured rate -- but a lower-income household in Bexar County may also qualify for Extra Help (the Part D Low-Income Subsidy) or a Medicare Savings Program, which a local agent can check for free. Source: US Census Bureau, American Community Survey 5-year estimates, 2022, Bexar County, TX (census.gov).

A Medicare Supplement plan pays costs Original Medicare (Parts A and B) leaves to you -- copays, coinsurance, and deductibles. Texas has no "birthday rule" for switching plans, and outside a federal guaranteed-issue event, a carrier can medically underwrite a Medigap application (look at your health history and decline or rate you up). Texas does guarantee Medigap Plan A, without underwriting, to people under 65 who lose Medicaid eligibility or who are disabled, with another guaranteed-issue window at 65. Premiums vary by age and tobacco use, and by the carrier you apply to. A licensed agent can check which Texas-licensed carriers are actually open to you right now.

12 standalone Part D (prescription drug) plans are available to Bexar County residents for 2026, priced by CMS at the Texas (PDP region 22) level rather than by county -- so this count is the same across every Texas county, including Bexar. If you're on a Medicare Advantage plan with drug coverage built in, you generally don't also enroll in one of these; they're for people who stay on Original Medicare. Source: CMS Medicare Advantage / Part D Landscape file, contract year 2026, Bexar County, TX (data.cms.gov).

Call or book a time with a licensed local agent, tell them your doctors, prescriptions, and budget, and they'll walk you through which plans in Bexar County actually fit before you apply. You can also apply directly through Medicare.gov or a carrier, but a local agent costs you nothing extra either way (see the next question) and can catch network or formulary problems before you're locked into a plan year.

Nothing. Independent agents are paid a commission by the insurance carrier when you enroll, the same way a plan would pay whether you applied directly or through an agent -- it doesn't change your premium. What you get for that is someone who compares plans across multiple carriers instead of just one company's lineup, and who's still reachable after you enroll if something changes.

Yes. Call 866-717-8683 and ask for Spanish-language help, or visit the Spanish version of this page. Texas's own Medicare counseling line (HICAP, 1-800-252-9240) also offers assistance in Spanish, at no cost.