Medicare Advantage Plans in Texas
Medicare Advantage (Part C) combines your Medicare Parts A and B coverage, often with prescription drug coverage (Part D), all in one plan from a private insurance company.
What is Medicare Advantage?
Medicare Advantage plans are an alternative way to get your Medicare benefits. Instead of Original Medicare (Parts A and B), you can choose a Medicare Advantage plan from a private insurance company approved by Medicare.
What Medicare Advantage Plans Include:
- All benefits of Medicare Part A (hospital insurance) and Part B (medical insurance)
- Most plans include Medicare Part D prescription drug coverage
- Additional benefits like dental, vision, hearing, and fitness programs
- Out-of-pocket maximum to limit your healthcare costs
- Many plans have $0 monthly premiums (you still pay Medicare Part B premium)
HMO Plans
Health Maintenance Organization plans require you to use doctors and hospitals in the plan's network (except emergencies). You usually need a referral to see specialists.
Best for: Those who want lower costs and don't mind staying in-network
PPO Plans
Preferred Provider Organization plans give you flexibility to see out-of-network providers at a higher cost. No referrals needed for specialists.
Best for: Those who want flexibility and travel frequently
Medicare Advantage in Texas
Texas has a wide variety of Medicare Advantage plans available, but the specific plans and benefits vary by county. Major carriers offering Medicare Advantage plans in Texas include:
UnitedHealthcare
Humana
Aetna
WellCare
Important: Plan availability and benefits vary significantly by Texas county. What's available in Houston may be different from Dallas, Austin, or El Paso.
Find Medicare Advantage Plans in Your Area
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Frequently Asked Questions
Can I switch from Original Medicare to Medicare Advantage?
Yes! You can switch during the Annual Enrollment Period (October 15 - December 7) or during your Initial Enrollment Period when you first turn 65.
Do I still pay the Medicare Part B premium with Medicare Advantage?
Yes, you must continue paying your Part B premium to Medicare. Some plans may also charge an additional monthly premium, though many plans in Texas have $0 premiums.
What if I travel outside Texas?
Coverage depends on your plan type. HMO plans typically only cover care in your service area (except emergencies). PPO plans offer some out-of-network coverage nationwide.
Can I go back to Original Medicare if I don't like Medicare Advantage?
Yes, you can switch back during the Medicare Advantage Open Enrollment Period (January 1 - March 31) or during the Annual Enrollment Period (October 15 - December 7).