Medicare Advantage in Texas

Looking for Texas Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Texas state

Information about Medicare Advantage Plans in Texas

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There are 109 different Texas Medicare Advantage Prescription Drug (MAPD) plans in 2021.1 Not every plan may be available where you live in Texas, as plan availability, benefits and costs can vary.

Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Texas

The average premium for a 2021 Medicare Advantage plan with prescription drug coverage in Texas is $22 per month.

  • Average monthly premium cost in 2021 (weighted): $22
  • Average in-network out-of-pocket spending limit: $4,896
  • Average drug deductible in 2021 (weighted): $1921

It's important to note that Medicare Advantage plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

Further below in this guide, you can also explore the average 2021 Medicare Advantage plan costs in Texas by county.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Texas Medicare Advantage plan costs

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

TX Medicare Eligibility & Enrollment

In order to sign up for a Medicare Advantage plan in Texas, you must enroll in Original Medicare (Part A and Part B).

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must be eligible to receive Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security, but you've paid Medicare payroll taxes.

You could potentially be eligible for Medicare under 65 if:

  • You receive Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, also called Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for the required period of time.

If you have ESRD, you may be able to sign up for a Medicare Advantage plan or a Texas Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Texas

The first time most Medicare beneficiaries can enroll in a Texas Medicare Part C plan is during their Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Initial Enrollment Period beings three months before your 65th birthday, includes the month of your 65th birthday and continues for another three months after your birth month.

You may also be able to enroll in Medicare Advantagae (or switch your Medicare plan) during other Medicare enrollment periods, which include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare from January 1 to March 31 each year.

If you switch to Original Medicare during this period, you'll also have a chance to sign up for a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

You may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another during Medicare AEP, which lasts from Oct. 15 to Dec. 7 every year.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

You may also join, switch or drop a Medicare Part D plan during AEP. This period is also sometimes called the Annual Election Period.

Medicare Special Enrollment Periods (SEP)

Depending on your circumstances, you may be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year.

Find out if you qualify for a Medicare Special Enrollment Period by calling to speak to a licensed insurance agent.

Find a Texas Medicare Advantage plan

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Texas 2021

The Centers for Medicare & Medicaid Services (CMS) issues star ratings for all Medicare Advantage plans every year, using a system of one to five stars.2

If a Medicare Advantage plan is awarded four or more stars out of five stars, it is considered a top-rated plan.

There are 44 top-rated 2021 MAPD plans in Texas that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The CMS bases its Star Ratings on several pieces of information, including Medicare’s regular monitoring activities as well as member surveys.

List of Medicare Advantage Plans Available in Texas in 2021

To view a list of plans offered in your area of Texas, use our plan comparison tool.

Find a Texas Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in Texas

Several insurance companies may offer Medicare Advantage plans in Texas, but local availability depends on where you live.

Private insurance companies offer Medicare Advantage plans that could potentially be unique to the plan area they serve.

A licensed insurance agent can help you compare the Medicare Advantage plans that are sold by insurance companies in your area of Texas.

When you’re shopping for Medicare Advantage plans in Texas, you can compare plans from several different carriers.

You can use some of the following information sources to help you compare companies and plans:

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • You can read through Medicare Advantage plan reviews and testimonials from customers
  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

Texas Medicare Advantage plans by county

Learn more about Medicare Advantage plans in some of the most populous counties in Texas.

The chart below provides some more information about 2021 Texas Medicare Advantage plans by county.1

  • El Paso County, Comal County, Bexar County and Guadalupe County are home to the lowest average Texas Medicare Advantage Prescription Drug plan premiums in 2021.

  • Harris County and Dallas County have the highest numbers of available MAPD plans in Texas in 2021.
2021 TX Medicare Advantage by County
County Total Enrollees in County Average Premium % of Plans Rated 4 Stars or Higher Avg. Annual Drug Deductible # Plans Available
Anderson 4039 $32.20 40% $251.88 12
Andrews 736 $39.40 N/A $250.00 7
Angelina 6685 $21.89 38% $239.17 11
Aransas 3458 $19.06 46% $196.54 18
Archer 408 $32.83 N/A $149.00 8
Armstrong 104 $31.41 33% $273.57 12
Atascosa 4696 $13.88 33% $215.00 26
Austin 2169 $13.85 37% $190.00 27
Bailey 238 $26.39 N/A $198.33 10
Bandera 2271 $18.36 32% $215.00 27
Bastrop 5993 $13.70 16% $249.32 28
Baylor 219 $49.25 N/A $248.33 6
Bee 2437 $28.13 42% $242.50 18
Bell 20247 $57.03 47% $204.17 20
Bexar 149024 $11.56 24% $173.95 44
Blanco 891 $45.84 30% $215.71 28
Borden 13 $35.18 N/A $297.50 8
Bosque 2048 $63.14 41% $233.33 20
Bowie 5539 $29.57 17% $248.00 9
Brazoria 22467 $12.46 48% $193.00 29
Brazos 6844 $58.38 40% $219.23 22
Brewster 703 $49.25 N/A $248.33 6
Briscoe 108 $26.39 N/A $198.33 10
Brooks 715 $17.58 13% $215.00 14
Brown 2571 $32.83 N/A $260.00 8
Burleson 1547 $72.03 41% $205.50 18
Burnet 4465 $39.53 29% $236.88 32
Caldwell 2914 $19.26 11% $258.10 26
Calhoun 1083 $27.64 22% $297.00 10
Callahan 1069 $42.86 38% $243.00 9
Cameron 36118 $15.40 35% $229.47 26
Camp 1001 $42.55 25% $220.63 13
Carson 345 $42.86 38% $243.00 9
Cass 2778 $29.57 17% $248.00 9
Castro 326 $26.39 N/A $198.33 10
Chambers 2335 $15.04 30% $191.25 30
Cherokee 4367 $33.69 31% $233.18 15
Childress 413 $49.25 N/A $248.33 6
Clay 649 $32.83 N/A $149.00 8
Cochran 241 $26.39 N/A $198.33 10
Coke 268 $42.14 N/A $288.00 10
Coleman 541 $49.50 33% $244.17 10
Collin 42723 $25.58 41% $175.69 47
Collingsworth 102 $49.25 N/A $248.33 6
Colorado 1419 $31.08 33% $240.00 15
Comal 12025 $11.51 30% $193.85 31
Comanche 961 $48.33 29% $230.00 8
Concho 245 $49.25 N/A $248.33 6
Cooke 2673 $27.74 46% $155.80 32
Coryell 3564 $73.32 47% $200.56 16
Cottle 127 $49.25 N/A $248.33 6
Crane 217 $49.25 N/A $248.33 6
Crockett 182 $49.25 N/A $248.33 6
Crosby 530 $19.19 N/A $217.50 13
Culberson 121 $49.25 N/A $248.33 6
Dallam 232 $49.25 N/A $248.33 6
Dallas 141502 $19.03 33% $174.62 50
Dawson 688 $41.43 29% $243.00 9
Deaf Smith 813 $30.00 30% $220.63 12
Delta 426 $27.27 45% $179.44 13
Denton 37619 $20.08 34% $171.32 46
DeWitt 1212 $35.18 N/A $297.50 8
Dickens 145 $26.39 N/A $198.33 10
Dimmit 894 $31.41 33% $272.86 12
Donley 232 $35.18 N/A $297.50 8
Duval 1030 $30.16 N/A $288.00 9
Eastland 1440 $48.33 29% $230.00 8
Ector 6918 $30.00 30% $258.13 12
Edwards 129 $42.86 38% $243.00 9
El Paso 85979 $10.65 24% $166.83 38
Ellis 11394 $24.12 53% $204.62 19
Erath 2004 $40.65 54% $166.00 16
Falls 1609 $60.66 45% $200.00 21
Fannin 2361 $25.59 47% $200.00 19
Fayette 1707 $63.37 47% $244.17 20
Fisher 258 $35.18 N/A $297.50 8
Floyd 477 $23.46 N/A $206.43 11
Foard 64 $49.25 N/A $248.33 6
Fort Bend 45018 $15.15 32% $168.21 48
Franklin 793 $43.80 27% $220.63 12
Freestone 1454 $58.60 43% $248.75 7
Frio 1199 $47.33 30% $244.17 11
Gaines 562 $49.25 N/A $248.33 6
Galveston 23505 $12.37 39% $181.50 38
Garza 323 $23.46 N/A $206.43 11
Gillespie 1892 $25.57 N/A $305.00 11
Glasscock 30 $35.18 N/A $297.50 8
Goliad 552 $26.38 N/A $231.67 10
Gonzales 1264 $16.44 N/A $252.73 16
Gray 954 $36.25 25% $202.50 10
Grayson 10004 $23.31 47% $143.08 18
Gregg 9221 $28.50 38% $221.50 14
Grimes 2175 $45.03 52% $192.50 26
Guadalupe 9692 $11.64 33% $203.40 31
Hale 2020 $17.59 N/A $226.67 14
Hall 211 $49.25 N/A $248.33 6
Hamilton 908 $57.81 44% $187.50 20
Hansford 152 $49.25 N/A $248.33 6
Hardeman 242 $49.25 N/A $248.33 6
Hardin 5144 $17.24 29% $205.20 32
Harris 287986 $18.86 36% $169.88 55
Harrison 5302 $28.50 38% $221.50 14
Hartley 159 $49.25 N/A $248.33 6
Haskell 348 $49.25 N/A $248.33 6
Hays 11751 $14.60 19% $233.70 29
Hemphill 108 $49.25 N/A $248.33 6
Henderson 8607 $23.00 42% $204.17 16
Hidalgo 65172 $14.26 33% $221.90 28
Hill 3527 $51.61 43% $238.75 26
Hockley 1618 $21.11 N/A $212.14 12
Hood 6493 $32.86 63% $164.12 23
Hopkins 2257 $31.00 13% $207.50 9
Houston 1881 $39.40 17% $236.25 7
Howard 1543 $33.33 33% $252.14 11
Hudspeth 319 $28.14 14% $149.00 9
Hunt 5813 $18.94 42% $166.82 17
Hutchinson 939 $49.25 N/A $248.33 6
Irion 68 $35.18 N/A $297.50 8
Jack 409 $26.39 N/A $198.33 10
Jackson 866 $49.25 N/A $248.33 6
Jasper 3066 $24.63 25% $155.83 10
Jeff Davis 164 $49.25 N/A $248.33 6
Jefferson 20571 $16.09 29% $200.89 36
Jim Hogg 387 $23.44 N/A $234.29 11
Jim Wells 4269 $22.50 36% $210.67 21
Johnson 15769 $23.54 50% $164.60 32
Jones 1107 $42.86 38% $243.00 9
Karnes 867 $26.39 13% $238.00 10
Kaufman 8196 $24.55 50% $155.63 13
Kendall 3108 $17.66 30% $216.75 28
Kenedy N/A $21.10 14% $234.29 12
Kent 58 $35.18 N/A $297.50 8
Kerr 3939 $28.25 22% $273.33 10
Kimble 292 $35.18 N/A $297.50 8
King N/A $49.25 N/A $248.33 6
Kinney 299 $48.33 29% $230.00 8
Kleberg 2730 $25.00 43% $215.77 20
Knox 211 $49.25 N/A $248.33 6
La Salle 508 $23.46 N/A $205.71 11
Lamar 2377 $29.57 N/A $248.00 9
Lamb 932 $33.71 N/A $205.71 12
Lampasas 1786 $62.03 44% $196.15 20
Lavaca 1213 $49.25 N/A $248.33 6
Lee 1238 $43.73 29% $227.39 32
Leon 1715 $26.39 47% $310.00 10
Liberty 6959 $13.27 38% $200.36 36
Limestone 1901 $69.37 43% $219.00 17
Lipscomb 117 $49.25 N/A $248.33 6
Live Oak 978 $39.40 13% $248.33 7
Llano 2501 $61.58 33% $249.67 22
Loving N/A $49.25 N/A $248.33 6
Lubbock 20106 $21.69 17% $215.42 18
Lynn 385 $25.93 N/A $221.11 15
Madison 872 $85.54 46% $180.63 14
Marion 1136 $39.82 25% $229.44 13
Martin 179 $34.90 38% $276.67 11
Mason 339 $26.39 N/A $198.33 10
Matagorda 2697 $19.31 27% $237.14 19
Maverick 4831 $25.55 45% $240.56 15
McCulloch 536 $35.18 N/A $297.50 8
McLennan 18632 $54.55 50% $211.15 21
McMullen 42 $30.16 N/A $308.00 9
Medina 4286 $19.13 30% $218.16 26
Menard 172 $49.25 N/A $248.33 6
Midland 5653 $35.50 25% $257.22 14
Milam 2613 $46.67 39% $251.84 27
Mills 422 $65.04 43% $171.82 18
Mitchell 488 $35.18 N/A $297.50 8
Montague 1270 $23.00 22% $191.43 11
Montgomery 40586 $13.35 34% $166.05 47
Moore 566 $39.40 N/A $186.25 7
Morris 1394 $38.00 30% $216.43 11
Motley 100 $32.83 N/A $149.00 8
Nacogdoches 3860 $19.70 33% $247.86 12
Navarro 3651 $23.51 31% $246.15 18
Newton 1050 $23.69 29% $240.00 11
Nolan 1048 $30.16 N/A $289.00 9
Nueces 34325 $20.45 41% $203.53 23
Ochiltree 220 $49.25 N/A $248.33 6
Oldham 114 $49.25 N/A $248.33 6
Orange 7289 $12.27 33% $188.18 29
Palo Pinto 1862 $35.57 50% $138.33 18
Panola 1895 $31.09 36% $223.89 13
Parker 9205 $25.48 58% $121.47 23
Parmer 272 $49.25 N/A $248.33 6
Pecos 698 $49.25 N/A $248.33 6
Polk 6473 $26.70 43% $246.15 18
Potter 6083 $32.77 23% $231.50 15
Presidio 519 $49.25 N/A $248.33 6
Rains 1091 $24.63 13% $177.86 10
Randall 6575 $32.77 23% $231.50 15
Reagan 119 $49.25 N/A $248.33 6
Real 346 $26.18 33% $223.33 14
Red River 997 $29.57 17% $248.00 9
Reeves 526 $49.25 N/A $248.33 6
Refugio 540 $30.64 10% $234.29 13
Roberts 34 $49.25 N/A $248.33 6
Robertson 1297 $73.32 47% $200.56 16
Rockwall 5175 $23.16 43% $167.12 34
Runnels 486 $32.83 N/A $260.00 8
Rusk 4135 $26.83 50% $229.50 14
Sabine 858 $49.25 N/A $248.33 6
San Augustine 819 $28.14 17% $249.00 9
San Jacinto 3206 $19.68 45% $197.11 26
San Patricio 7497 $23.85 54% $226.50 15
San Saba 457 $65.04 43% $171.82 18
Schleicher 124 $49.25 N/A $248.33 6
Scurry 923 $49.25 N/A $248.33 6
Shackelford 213 $34.90 38% $276.67 11
Shelby 1871 $40.25 44% $235.83 10
Sherman 75 $49.25 N/A $248.33 6
Smith 16889 $22.80 43% $226.15 17
Somervell 710 $64.78 53% $156.43 22
Starr 5164 $12.72 17% $199.29 19
Stephens 559 $49.25 N/A $248.33 6
Sterling 39 $35.18 N/A $297.50 8
Stonewall 70 $49.25 N/A $248.33 6
Sutton 126 $49.25 N/A $248.33 6
Swisher 360 $33.71 N/A $205.71 12
Tarrant 134973 $21.24 35% $166.94 45
Taylor 7982 $35.50 25% $257.22 14
Terrell 73 $49.25 N/A $248.33 6
Terry 867 $23.46 N/A $206.43 11
Throckmorton 75 $26.39 N/A $198.33 10
Titus 1919 $25.22 13% $220.00 11
Tom Green 8099 $24.63 11% $276.67 10
Travis 49612 $15.68 19% $220.48 26
Trinity 1757 $37.88 33% $248.33 10
Tyler 1814 $35.50 46% $231.88 14
Upshur 3436 $26.31 38% $217.73 15
Upton 177 $49.25 N/A $248.33 6
Uvalde 2019 $33.79 29% $276.67 11
Val Verde 3337 $49.25 N/A $248.33 6
Van Zandt 5220 $26.05 47% $168.13 22
Victoria 6812 $25.31 46% $241.50 15
Walker 4664 $16.49 44% $166.25 31
Waller 3183 $13.66 32% $175.00 29
Ward 528 $49.25 N/A $248.33 6
Washington 2546 $68.92 47% $212.69 20
Webb 13011 $23.76 38% $223.46 19
Wharton 2833 $24.19 40% $213.61 24
Wheeler 215 $49.25 N/A $248.33 6
Wichita 5597 $49.25 N/A $248.33 6
Wilbarger 874 $49.25 N/A $248.33 6
Willacy 2001 $17.86 31% $235.31 23
Williamson 30075 $35.88 34% $213.89 36
Wilson 3919 $17.00 29% $206.43 28
Winkler 290 $49.25 N/A $248.33 6
Wise 4727 $23.88 55% $143.10 27
Wood 5250 $31.86 29% $237.27 16
Yoakum 374 $49.25 N/A $248.33 6
Young 805 $49.25 N/A $248.33 6
Zapata 694 $26.38 N/A $231.67 10
Zavala 1076 $28.63 36% $196.82 18

TX Medicare Advantage plans by plan type

The major types of Medicare Advantage plans include:

  • HMO
    If you have a Texas Health Maintenance Organization (HMO) plan, you'll typically be required to visit doctors, hospitals and pharmacies that are part of your plan’s network (except in the case of emergencies).

    An HMO plan will also typically require you to get a referral from your primary care physician (PCP) in order to see a specialist.

  • PPO
    If you have a Medicare Preferred Provider Organization (PPO) plan, you may be able to see providers outside of your plan’s network, but you'll typically pay higher out-of-pocket costs for going outside of the plan network.

    You'll typically pay less out of pocket if you seek medical services from providers within your plan’s network.

    PPO plans typically do not require you to get a referral before you can see a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan will typically determine how much you are required to pay for health care services at the point when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts Medicare as well as your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan that is limited to people with certain chronic health conditions and other specific characteristics.

    SNP plans are required to provide prescription drug coverage.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2021 Texas Medicare Advantage plans that are available where you live.

Local health insurance resources in Texas

  • The Health Information Counseling & Advocacy Program of Texas provides benefits counseling to the state’s seniors to help them gain a deeper understanding of their Medicare benefits and rights.

    The assistance is provided by trained volunteers, and all information given is free and unbiased. The program may be reached at 800-252-9240.  

  • You can also explore more information about the insurance industry in Texas by visiting the state’s Department of Insurance website.

  • Texas Prescription Drug Assistance Programs
    The state of Texas has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

 

1 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).

2 Medicare evaluates plans based on a 5- star rating system.