Health systems
- Ascension Seton
- St. David’s HealthCare
- Baylor Scott & White (Temple, Round Rock, Waco)
- UT Health Austin
- Ascension Providence (Waco)
- Peterson Health (Kerrville)
Each contracts differently with each plan; we check your doctors first.
Medicare by region · Austin, Waco, Temple & the Hill Country
Medicare help across Austin, Central Texas and the Hill Country
Travis, Williamson, Hays, Bell, McLennan and the Hill Country counties — the state’s fastest-growing retirement corridor, Sun City Texas, Fort Cavazos, and Baylor Scott & White’s home turf.
No cost, no obligation, no pressure.
Request your free Medicare review
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in the region
Austin, Central Texas & the Hill Country: what shapes the choice here
Central Texas is where Texans retire to: Georgetown’s Sun City, the lake towns around Marble Falls, Kerrville and Fredericksburg. Austin and Round Rock have a deep Advantage menu split between Ascension Seton and St. David’s; Temple and Waco are Baylor Scott & White country; and the Hill Country proper has a short menu and long drives, which is where a Medigap policy’s any-provider access earns its premium.
The region also holds Fort Cavazos and its retiree community around Killeen and Harker Heights, where TRICARE For Life changes the calculation entirely.
Local plans to know: Baylor Scott & White Health Plan and its Temple-based system anchor Bell and McLennan counties; Ascension Seton and St. David’s split Austin. Hill Country counties west of Austin have thinner Advantage menus and some of the longest drives to specialty care in the state.
Counties: Travis, Williamson, Hays, Bastrop, Caldwell, Bell, Coryell, McLennan, Burnet, Llano, Gillespie, Kerr, Blanco, Comal (north).
Cities in this region
When you can enroll
Turning 65? Your Initial Enrollment Period is the 7 months around your birthday. Already on Medicare? The Annual Election Period is Oct 15–Dec 7, and Medicare Advantage Open Enrollment runs Jan 1–Mar 31. A plan leaving your county opens a Special Enrollment Period.
Your options
Which kind of plan fits you?
Medicare Advantage
All-in-one Part C plans, often $0 premium, that use a local network — so your providers, your county and your prescriptions matter.
How Advantage worksMedicare Supplement
Medigap pairs with Original Medicare and lets you see any provider nationwide that accepts Medicare — MD Anderson, Mayo, or a clinic in the Valley.
How Medigap worksPart D drug plans
Standalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksSpecial Needs Plans
Advantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Texas Medicaid.
About SNPsQuestions from Central Texas
Frequently asked questions
Which Medicare plans are available in Austin?
Travis and Williamson counties typically offer a wide Medicare Advantage menu, every Medigap carrier in Texas, and the full Part D lineup. Hill Country counties to the west have fewer Advantage plans. We compare what is sold at your address.
Does Sun City Texas in Georgetown have its own Medicare plans?
No, but Williamson County’s lineup is broad, and St. David’s Georgetown, Baylor Scott & White Round Rock and Ascension Seton Williamson each contract with different plans. Which system your doctors belong to decides the shortlist.
How much does your help cost?
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Ready when you are
Let’s find the right plan for life in Central Texas.
A short, friendly conversation — no pressure, no cost.
Written and reviewed by Darin Weidauer — licensed insurance agent (NPN 18580338, TX License #2514981), Gerontologist (USC Leonard Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran.Last reviewed September 4, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov, 1-800-MEDICARE, or Texas HICAP at 800-252-9240.