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If you’re considering enrolling in a Medicare Advantage plan (also known as Medicare Part C) in Texas to meet your health insurance needs, you’re not alone.
According to recent Census data estimates, approximately 4 million people ages 65 and older live in Texas, accounting for just over 13% of the state’s total population[1]. Considering that Texas’ average life expectancy is about 77 years, maintaining health insurance coverage after retirement is important for both physical and financial well-being[2].
There are multiple components to consider when searching for the best Medicare Advantage plan to meet your health needs. To simplify the process, Forbes Health compiled a snapshot of the market in your state, highlighting approximately how many plan options you have, who the providers tend to be and how much you can expect to pay each month for a plan. We also created a downloadable checklist to help you streamline your Medicare Advantage enrollment experience.
- Choose between Medicare Advantage or Medicare Supplement options
- As simple as entering your basic information to compare plans right away
- Easy to distinguish between plan options with straight-forward information
- Plan options from Aetna, Anthem, BCBS, Cigna, Humana, and more
- Licensed, experienced and dedicated Medicare professionals are here to help you navigate your options
- Call to speak to a licensed insurance agent. TTY 711, Mon-Sun 8 am - 11 pm EST
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Medicare Advantage Plans in Texas
Since Medicare Advantage plan eligibility is largely dependent on where you live, we gathered data specific to an urban, suburban and rural location in Texas to show how plan availability, monthly premium rates and in-network maximum out-of-pocket amounts can vary.
Compare Medicare Advantage Plans Offered By Our Featured Partners
Medicare Advantage Providers in Texas
Twenty-three private health insurance providers offer Medicare Advantage plans in the state of Texas, including:
- Aetna Medicare
- Alignment Health Plan
- Amerigroup
- Baylor Scott & White Health Plan
- Blue Cross and Blue Shield of NM, TX
- Blue Cross and Blue Shield of OK, TX
- Blue Cross and Blue Shield of Texas
- Care N’ Care Insurance Company
- CHRISTUS Health Advantage
- Cigna
- Clover Health
- Community First Health Plans
- Devoted Health
- Humana
- KelseyCare
- Advantage Memorial Hermann Health Plan
- Molina Healthcare of Texas, Inc.
- Prominence Health Plan
- SCAN Health Plan
- UnitedHealthcare
- Verda Health Plan of Texas
- Wellcare
- Wellcare by Allwell
Plan availability varies by ZIP code, so not all providers listed above offer Medicare Advantage plans in every county of Texas.
- Chat with a licensed insurance agent today
- Helps you find the right Medicare coverage from a wide variety of plan options
- Compare plans online
- Plan options from Aetna, Anthem, BCBS, Cigna, Humana, and more
- Call to speak to a licensed insurance agent. TTY 711, Mon-Sun 8 am - 11 pm EST
Top-Rated Medicare Advantage Plans in Texas
Every year CMS rates Medicare Advantage (Part C) and Part D prescription drug plans to reflect the experience of being enrolled in such coverage. The agency uses a scale of one to five stars, with one star representing poor performance and five stars representing excellent performance. The following plans available in the state of Texas in 2024 earned five-star ratings from CMS.
- KelseyCare
- KelseyCare Advantage Classic (HMO)
- KelseyCare Advantage Freedom (HMO-POS)
- KelseyCare Advantage Honor (HMO)
- KelseyCare Advantage Secure (HMO)
- KelseyCare Advantage Signature (HMO)
- KelseyCare Advantage Thrive (HMO-POS)
- UnitedHealthcare
- Erickson Advantage Freedom (HMO-POS)
- Erickson Advantage Liberty (HMO-POS)
- Erickson Advantage Liberty no Rx (HMO-POS)
- Erickson Advantage Signature (HMO-POS)
To determine which of these plans might be available in your area, enter your ZIP code in Medicare.gov’s plan finder tool. The tool also displays each plan’s rating from CMS.
Medicare Resources in Texas
If you live in Texas and are looking for additional information about Medicare plans available to you and assistance with selecting the best coverage for your health care needs and budget, here are a few resources to help you get started.
- Texas Medicare Help Line: Provided by Texas Health and Human Services, this free helpline assists residents who are navigating the complexities of Medicare. Simply call 800-252-9240.
- Texas Department of Insurance: The goal of this office is to promote a competitive insurance market while protecting the interests of those buying insurance, helping them avoid scams and make wise purchasing decisions.
- SHIP Texas: State Health Insurance Assistance Programs help people navigate Medicare in the state in which they reside. Reach out to the Texas SHIP for Medicare information, counseling, advocacy services and more.
While not exclusive to the state of Texas, Medicare.gov and CMS’s website are two excellent tools for learning about the various components of Medicare coverage. You can also search for plans available in your ZIP code and compare options via Medicare.gov’s plan finder tool.
How to Find the Best Medicare Advantage Plans in Texas
If you’re nearing the age of 65, navigating another qualifying event or reviewing your plan options ahead of the Medicare Advantage Open Enrollment period (which happens annually from January 1 to March 31), there are multiple details to consider when comparing your various Medicare Advantage plan options. To make that process easier, we created the downloadable checklist below.
Your Medicare Advantage Plan Shopping Checklist (Text Version)
Medicare Advantage Plans By State
Confused About Medicare Advantage Insurance Options?
Click Get A Quote or call 888-349-0361 to speak with a licensed insurance agent (TTY 711, Mon-Sun 8 am - 11 pm EST).
On Medicare Enrollment's Website
HealthCompare Insurance Services does not offer every plan available in your area. Currently it represents 18 organizations, which offers 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
HealthCompare Insurance Services represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
Frequently Asked Questions (FAQs)
What is Medicare Advantage (Medicare Part C)?
Medicare Advantage (Medicare Part C) is a type of health insurance provided by private insurance companies to U.S. adults ages 65 and up, as well as younger individuals with certain disabilities and health conditions. The federal government pays a flat fee per enrollee to the insurance companies, which then provide the core benefits of Original Medicare, payment to care providers and oftentimes additional benefits.
What is the difference between Medicare Advantage and Original Medicare?
Medicare Advantage covers everything included in Original Medicare (Part A and Part B), but most Medicare Advantage plans also include prescription drug coverage (Part D), and some plans provide dental and vision coverage and hearing aids and fitness benefits as well. These additional coverages and benefits vary by plan. While there are several distinctions between Original Medicare and Medicare Advantage, one noteworthy difference is people enrolled in a Medicare Advantage plan are responsible for paying both the monthly premium associated with Original Medicare Part B ($174.70 for most people in 2024) and the monthly premium associated with their Medicare Advantage (Part C) plan, which is described in the data above.
What additional coverage do I need alongside a Medicare Advantage plan?
The coverage you receive depends on the Medicare Advantage plan you pick. Some plans offer an extensive list of additional benefits, including (but not limited to) dental, vision, hearing health, prescriptions, over-the-counter, transportation, fitness memberships and more. However, if you select a less comprehensive plan, you may need to seek additional coverage for a desired benefit your plan is missing.
