Medicare Advantage Plans in Texas
Learn how Medicare Advantage works in Texas and compare benefits, costs, and coverage options that may be available in your area.
What is Medicare Advantage?
Medicare Advantage plans are an alternative way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare. Many plans also include prescription drug coverage and extra benefits.
What Medicare Advantage Plans May Include
- All Medicare Part A and Part B benefits
- Prescription drug coverage in many plans
- Extra benefits that may include dental, vision, hearing, and fitness benefits
- Out-of-pocket maximum protections
- Some plans may have a $0 monthly plan premium, depending on area and eligibility
HMO Plans
Health Maintenance Organization plans usually require you to use doctors and hospitals in the plan network except in emergencies.
Best for: People focused on lower costs and coordinated in-network care
Compare HMO vs PPO options →PPO Plans
Preferred Provider Organization plans can offer more flexibility, including out-of-network care at a higher cost.
Best for: People who want more provider flexibility or travel often
See the HMO vs PPO guide →Medicare Advantage in Texas
Texas has a wide variety of Medicare Advantage plans, but plan availability, provider networks, costs, and benefits vary by county and ZIP code.
UnitedHealthcare
Humana
Aetna
WellCare
Important: Benefits and plan availability vary by ZIP code and county. What is available in Dallas may differ from Houston, Austin, San Antonio, or rural Texas counties.
Explore Medicare Advantage Options in Your Area
Get guidance about plan options that may be available near you and review the tradeoffs with a licensed Texas Medicare advisor.
Get Your Free Consultation
Frequently Asked Questions
Can I switch from Original Medicare to Medicare Advantage?
Yes. Your options depend on your enrollment period and situation, but many people review Medicare Advantage when first becoming eligible for Medicare.
Do I still pay the Medicare Part B premium with Medicare Advantage?
Yes. You must continue paying your Medicare Part B premium. Some plans may also have an additional premium, while some may have a $0 plan premium.
What if I travel outside Texas?
Coverage depends on the plan type. PPO plans usually offer more flexibility outside your local network than HMO plans.
Can I go back to Original Medicare if I do not like Medicare Advantage?
In many cases, yes, during allowed Medicare enrollment periods. Timing and eligibility rules matter, so it helps to review your situation before making a change.