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Locations: San Antonio, TX

Medicare and senior insurance help in San Antonio

San Antonio has one of the largest military retiree populations in the country, thanks to Joint Base San Antonio. For those retirees, Medicare works alongside TRICARE For Life, and the rules differ from what civilian retirees face. TRICARE For Life requires Part B, so skipping it is not an option.

Civilian seniors here weigh a different question: which of the big local systems they want in network. University Health, Methodist and Baptist all anchor plans in Bexar County, and the suburbs in Comal and Guadalupe counties add their own options.

  • Medicare Advantage
  • Medicare Supplement
  • Part D drug plans
  • Final expense insurance
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San Antonio tips

What San Antonio seniors should check first

  • TRICARE For Life

    Military retirees need Part A and Part B to keep TRICARE For Life. Most do not need a separate Medigap plan.

  • Compare the big three

    Check whether University Health, Methodist and Baptist all sit in network before you pick a plan.

  • Suburb plan lists

    New Braunfels and Schertz fall in different counties than central San Antonio.

Local hospitals

Check these San Antonio hospitals against any plan's network

  • University Health
  • Methodist Hospital
  • Baptist Medical Center
  • Brooke Army Medical Center

Networks change every January. Call your doctor's office and ask which San Antonio plans it will accept next year, then match that list against the plans you are comparing. Here is why: a plan directory can lag behind real contracts by weeks.

Coverage

Plan types sold in San Antonio

  • Medicare Advantage

    Bundled plans with a local network and a yearly cost cap. Plan lists differ across Bexar County and Comal County.

  • Medicare Supplement

    Works with any San Antonio doctor who accepts Medicare, plus doctors anywhere else in the country.

  • Part D drug plans

    Price your prescriptions at your San Antonio pharmacy. The 2027 out-of-pocket cap is $2,400.

  • Final expense insurance

    Small whole life policies that help your family with funeral and end-of-life costs.

Area served

Communities near San Antonio

We help people in San Antonio and nearby communities including New Braunfels, Schertz, Converse, Helotes, Boerne, Universal City. Counties covered: Bexar County, Comal County, Guadalupe County, Kendall County.

Free counseling in Texas

Health Information, Counseling and Advocacy Program (HICAP) offers free, unbiased Medicare counseling at 1-800-252-9240.

San Antonio Medicare questions

Which counties does Medicare help in San Antonio cover?
We help people across Bexar County, Comal County, Guadalupe County, Kendall County, including New Braunfels, Schertz, Converse, Helotes. Plan choices change at county lines, so we start with your ZIP code.
Will a Medicare plan in San Antonio cover my hospital?
It depends on the plan. Before you enroll, check whether your doctors at University Health or Methodist Hospital sit in the plan's network. Original Medicare with a Medigap plan works with any provider that accepts Medicare.
When can I change my Medicare plan in San Antonio?
Annual Enrollment runs October 15 to December 7, with changes starting January 1. If you are in a Medicare Advantage plan, you can also switch once between January 1 and March 31. See all enrollment periods.
Where can I get free Medicare counseling in Texas?
HICAP, Texas's State Health Insurance Assistance Program, offers free counseling at 1-800-252-9240. Counselors there do not sell insurance.

Other Texas locations

Compare San Antonio plans for 2027

Annual Enrollment runs October 15 to December 7. Get a free side-by-side review of the plans sold in your Texas county.

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