Care close to home
Major care in the area includes:
- Baylor Scott & White Hillcrest
- Ascension Providence
- Waco VA Medical Center (Doris Miller)
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Medicare help · Austin, Central Texas & the Hill Country
Medicare help in Waco, Texas
Waco and McLennan County are Baylor Scott & White and Ascension Providence country, with a moderate plan menu and Fort Cavazos retirees an hour south.
No cost, no obligation, no pressure.
Request your free Medicare review
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Waco
What to know before you compare plans in McLennan County
McLennan County offers a moderate Advantage menu, every Medigap carrier in Texas and the full Part D lineup. Baylor Scott & White Hillcrest and Ascension Providence contract with different carriers, and Baylor Scott & White Health Plan sells plans built on its own system.
We compare what is sold at your ZIP code, confirm your doctors and pharmacy, and set Advantage beside a Medigap policy.
Communities we serve
Waco, Woodway, Hewitt, Robinson, Bellmead, McGregor, West, Marlin.
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 in Waco?
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 Waco
Frequently asked questions
Which Medicare plans are available in Waco?
McLennan County typically offers a moderate Medicare Advantage menu, every Medigap carrier in Texas, and the full Part D lineup, set by ZIP code and changing each plan year.
Is Hillcrest in my plan’s network?
Baylor Scott & White Hillcrest and Ascension Providence contract with different Advantage plans. With Original Medicare and a Medigap policy there is no network. We confirm before you enroll.
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.
Nearby
Medicare help in neighboring areas
Ready when you are
Let’s find your Waco Medicare plan together.
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.