Medicare Advantage in Harris County, Texas

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

Texas state

More than 261,000 residents of Harris County, Texas were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019. That accounts for 46 percent of all Medicare beneficiaries in the county.1

There were 40 different plans available in the county in 2019, so it’s important to compare costs and coverage to find a Medicare Advantage plan that fits your needs.

A licensed insurance agent can help you determine your eligibility to enroll and compare Medicare Advantage plans in Harris County. 

Find Medicare Advantage plans in Harris County

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

You can also learn about other types of Texas Medicare plans:

2019 Medicare Advantage plans in Harris County and Houston

Harris County Medicare Advantage plans had a weighted average premium of $5 per month in 2019.1

That weighted average premium is partly due to the fact that 34 Harris Medicare Advantage plans in 2019 featured $0 premiums. Over 97 percent of all Medicare Advantage enrollees in Harris County were enrolled in a $0 premium plan in 2019. 

The average annual deductible for a Medicare Advantage plan in Harris County was $87.10 in 2019, and the average out-of-pocket maximum for in-network care was $4,093

Plan deductibles, premiums and other costs may vary. The numbers above are averages taken from data from the Centers for Medicare & Medicaid Services (CMS).

A licensed insurance agent can help you compare the costs of Medicare Advantage plans in your area.

Harris County Medicare Advantage plans by the numbers

  • Number of unique plans: 43
  • Average monthly premium (weighted): $5
  • Average annual deductible (weighted): $87.10
  • Average out-of-pocket maximum for in-network care: $4,093
  • Number of $0 premium plans: 25
  • Number of plans rated four stars or higher: 23

Find top-rated Medicare Advantage plans in Harris County and Houston

CMS uses a star rating system to grade all Medicare Advantage each year.2 The Star Ratings rate plans on a scale of one to five stars, with five stars being the highest rating.

A plan that has four or more stars is considered to be a top-rated plan. 

In 2019, a total of 23 Medicare Advantage plans sold in Harris County were rated four stars or higher.

Types of Medicare Advantage plans in Harris County

Medicare Advantage plans can come in several different types.

In the state of Texas, the breakdown of plan types in 2019 was as follows:

Plan type Percentage of Texas enrollees (2019)
HMO 82.5%
Local PPO 16.9%
Regional PPO <1%
PFFS <1%
Other Plans <1%

These types of Medicare Advantage plans may be available in Harris County. There may also be other types of plans available where you live. 

  • HMO (Health Maintenance Organization) plans utilize a network of participating doctors and other health care providers. Care is typically not covered by the plan when received outside of the network.

    HMO members generally use a primary care physician (PCP) for all initial visits. The PCP administers treatment when possible or refers the patient to a specialist if necessary. 
  • PPO (Preferred Provider Organization) plans also typically feature a network of participating providers, but patients can generally still receive at least partial coverage for seeking care outside of the network. If you receive out-of-network care, you may face higher out-of-pocket costs.

    PPO plan members are typically free to visit specialists without a referral. 

How to Sign up for a Medicare Advantage Plan in Harris County

There are different Medicare enrollment periods in the year during which you may able to sign up for a Medicare Advantage plan in Harris County, depending on your eligibility. 

Medicare IEP graphic

Initial Enrollment Period (IEP)

When you first become eligible for Medicare, you will typically be granted an Initial Enrollment Period (IEP). This period begins three months before you turn 65 years old, includes the month of your birthday and continues for an additional three months. 

Medicare Open Enrollment graphic

Annual Enrollment Period (AEP)

The Annual Enrollment Period (AEP, also called the Medicare Open Enrollment Period for Medicare Advantage plans) takes place from October 15 to December 7 each year. This period is open to all eligible Medicare beneficiaries who wish to add, drop or change Medicare plans.  

Special Enrollment Period

If you experience a qualifying circumstance, you may be granted a Special Enrollment Period (SEP) at any time throughout the year to allow you to enroll in a Medicare Advantage plan.

Such circumstances may include situations like moving outside of your plan’s service area or losing your Medicare Advantage plan coverage through no fault of your own. A licensed insurance agent can help you determine if you are eligible for a Special Enrollment Period and what actions you may be able to take during that time. 

Find a Medicare Advantage plan where you live

Medicare Advantage plans can come in a variety of types and can include different benefits, networks, costs and more.

Connect with a licensed insurance agent today for help determining your eligibility and finding the best Medicare Advantage plan for you in Harris County and Houston. 

Find Medicare Advantage plans in Harris County

Compare Plans

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