Compare 2023 Texas Medicare Advantage Plans



Texas Medicare Advantage Plans (also known as Part-C) are offered by Medicare approved private insurance companies. There are several types of Medicare Advantage Plans available in TX, depending on your location. Some Texas MA plans may include extra benefits such as routine vision, hearing care and prescription drug coverage. Some plans may offer coverage for services like transportation to doctor visits, over-the-counter drugs that Part D doesn’t cover, and many services that promote your health and wellness. If you enroll in a Medicare Advantage Prescription Drug plan, you can get all your benefits in one plan. With any MA plan, you still must pay your monthly Part B premium along with any plan premium. To compare different plans available in Texas, click on your county below to see a list of available plans, what benefits it offers, its cost and if there are any limitations.



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Anderson MA Plans
Andrews MA Plans
Angelina MA Plans
Aransas MA Plans
Archer MA Plans
Armstrong MA Plans
Atascosa MA Plans
Austin MA Plans
Bailey MA Plans
Bandera MA Plans
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Baylor MA Plans
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Bowie MA Plans
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Brazos MA Plans
Brewster MA Plans
Briscoe MA Plans
Brooks MA Plans
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Caldwell MA Plans
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Camp MA Plans
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Cass MA Plans
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Chambers MA Plans
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Childress MA Plans
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Collin MA Plans
Collingsworth MA Plans
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Ector MA Plans
Edwards MA Plans
El Paso MA Plans
Ellis MA Plans
Erath MA Plans
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Fort Bend MA Plans
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Freestone MA Plans
Frio MA Plans
Gaines MA Plans
Galveston MA Plans
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Hardeman MA Plans
Hardin MA Plans
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Hemphill MA Plans
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Hidalgo MA Plans
Hill MA Plans
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Hood MA Plans
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Howard MA Plans
Hudspeth MA Plans
Hunt MA Plans
Hutchinson MA Plans
Irion MA Plans
Jack MA Plans
Jackson MA Plans
Jasper MA Plans
Jeff Davis MA Plans
Jefferson MA Plans
Jim Hogg MA Plans
Jim Wells MA Plans
Johnson MA Plans
Jones MA Plans
Karnes MA Plans
Kaufman MA Plans
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Leon MA Plans
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Marion MA Plans
Martin MA Plans
Mason MA Plans
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Maverick MA Plans
McCulloch MA Plans
McLennan MA Plans
McMullen MA Plans
Medina MA Plans
Menard MA Plans
Midland MA Plans
Milam MA Plans
Mills MA Plans
Mitchell MA Plans
Montague MA Plans
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Moore MA Plans
Morris MA Plans
Motley MA Plans
Nacogdoches MA Plans
Navarro MA Plans
Newton MA Plans
Nolan MA Plans
Nueces MA Plans
Ochiltree MA Plans
Oldham MA Plans
Orange MA Plans
Palo Pinto MA Plans
Panola MA Plans
Parker MA Plans
Parmer MA Plans
Pecos MA Plans
Polk MA Plans
Potter MA Plans
Presidio MA Plans
Rains MA Plans
Randall MA Plans
Reagan MA Plans
Real MA Plans
Red River MA Plans
Reeves MA Plans
Refugio MA Plans
Roberts MA Plans
Robertson MA Plans
Rockwall MA Plans
Runnels MA Plans
Rusk MA Plans
Sabine MA Plans
San Augustine MA Plans
San Jacinto MA Plans
San Patricio MA Plans
San Saba MA Plans
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Sherman MA Plans
Smith MA Plans
Somervell MA Plans
Starr MA Plans
Stephens MA Plans
Sterling MA Plans
Stonewall MA Plans
Sutton MA Plans
Swisher MA Plans
Tarrant MA Plans
Taylor MA Plans
Terrell MA Plans
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Throckmorton MA Plans
Titus MA Plans
Tom Green MA Plans
Travis MA Plans
Trinity MA Plans
Tyler MA Plans
Upshur MA Plans
Upton MA Plans
Uvalde MA Plans
Val Verde MA Plans
Van Zandt MA Plans
Victoria MA Plans
Walker MA Plans
Waller MA Plans
Ward MA Plans
Washington MA Plans
Webb MA Plans
Wharton MA Plans
Wheeler MA Plans
Wichita MA Plans
Wilbarger MA Plans
Willacy MA Plans
Williamson MA Plans
Wilson MA Plans
Winkler MA Plans
Wise MA Plans
Wood MA Plans
Yoakum MA Plans
Young MA Plans
Zapata MA Plans
Zavala MA Plans
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Giveback Plans in Texas

The Medicare Giveback Benefit is a Part B premium rebate provided by some Medicare Advantage plans in Texas. If you enroll in a Medicare Advantage plan with this benefit, some or all of your monthly premium will be covered by the plan carrier. The standard Part B monthly premium in 2023 is $164.90. The plan carrier will reduce this cost by “giving back” towards your Part B premium amount. The Part B Giveback will be credited monthly to your Social Security check.


Plan Name Plan ID Provider Name Premium Give Back Amount
AARP Medicare Advantage Patriot (HMO-POS)
H4527-024 UnitedHealthcare $0 $30.00
Ascension Complete Providence Reward (HMO)
H6678-003 Ascension Complete $0 $100.00
Ascension Complete Seton Reward (HMO)
H6678-001 Ascension Complete $0 $100.00
BSW SeniorCare Advantage Select (HMO)
H8142-004 Baylor Scott and White Health Plan $0 $50.00
CHRISTUS Health Plan Guardian (HMO)
H1189-006 CHRISTUS Health Plan Generations $0 $60.00
Cigna Courage Medicare (HMO)
H4513-009 Cigna $0 $125.00
Cigna Preferred Savings Medicare (HMO)
H4513-066 Cigna $0 $100.00
Cigna Preferred Savings Medicare (PPO)
H7787-001 Cigna $0 $20.00
Cigna True Choice Courage Medicare (PPO)
H7787-002 Cigna $0 $75.00
Erickson Advantage Liberty without Drugs (HMO-POS)
H5652-002 UnitedHealthcare $0 $25.00
Humana Honor (PPO)
H5216-128 Humana $0 $50.00
Imperial Insurance Traditional Plus (HMO)
H2793-007 Imperial Insurance Companies, Inc $0 $110.00
KelseyCare Advantage Silver (HMO)
H0332-001 KelseyCare Advantage $0 $10.00
Molina Medicare Choice Care Select (HMO)
H7678-005 Molina Healthcare of Texas, Inc. $0 $74.00
Wellcare Giveback (HMO)
H5294-012 Wellcare by Allwell $0 $99.00
Wellcare TexanPlus Patriot Giveback (HMO)
H4506-010 Wellcare $0 $80.00



What is the Best Medicare Advantage Plan in Texas

The best Medicare Advantage Plan in Texas will be different for each person, due to their specific needs and requirements. A plan that includes your doctors in the plan’s network and your medications on the plan’s formulary is best. You can find MA plans from major carriers like Anthem/Blue Cross Blue Shield, United Healthcare, Humana, Aetna, and Cigna.




Most Popular Plans by Enrollment in Texas

Plan Name Plan ID Marketing Name Premium Enrollment
HumanaChoice H5216-043 (PPO) H5216-043
Humana $10.00 100888
AARP Medicare Advantage SecureHorizons Plan 1 (HMO-POS) H4590-012
UnitedHealthcare $0 97493
AARP Medicare Advantage (HMO-POS) H4590-043
UnitedHealthcare $0 75097
Cigna Preferred Medicare (HMO) H4513-061
Cigna $0 58562
Humana Gold Plus H0028-043 (HMO) H0028-043
Humana $0 45249



Highest CMS Rated Plans with Lowest Premium in Texas

Plan Name Plan ID Company Name Premium CMS Rating
KelseyCare Advantage Silver (HMO)
H0332-001

KelseyCare Advantage $0
KelseyCare Advantage Gold (HMO)
H0332-002

KelseyCare Advantage $0
KelseyCare Advantage Silver Freedom (HMO-POS)
H0332-003

KelseyCare Advantage $0
KelseyCare Advantage Gold Freedom (HMO-POS)
H0332-004

KelseyCare Advantage $0
KelseyCare Advantage Silver Community (HMO-POS)
H0332-007

KelseyCare Advantage $0



Plans by Provider


Prominence Health Plan


Medicare Advantage changes in Texas, 2023


• In Texas, 4,451,672 seniors are enrolled in Medicare.

• 100% of people with Original Medicare will have access to a Part-C plan with a $0 monthly premium.

• 100% of people with Original Medicare have access to a Part-C plan.

• $0 is the lowest monthly premium for an Advantage plan.

• 385 Advantage plans are available in 2023, compared to 334 plans in 2022. This represents a 15.3% change in plan options.

• The average monthly Advantage plan premium changed from $10.55 in 2022 to $8.94 in 2023. This represents a -15.3% change in average premium.

• In addition, through the VBID Model’s Hospice Benefit Component, 1 plan will offer the Medicare hospice benefit through their plan.

• Through the CMS Value-Based Insurance Design (VBID) Model, 77 plans will offer Medicare Advantage seniors additional options, including reductions in cost sharing (in some cases to zero) for some benefits, such as eliminated Medicare Part D cost sharing; rewards and incentives programs related to healthy behaviors; and customized, innovative benefits that address social determinants of health, such as food insecurity and social isolation, for seniors who receive low income subsidies (Extra Help) and/or chronically ill seniors.

With the passing of the Inflation Reduction Act, people with Medicare prescription drug coverage will have a $35 cost-sharing limit on a month’s supply of each covered insulin products. As well as adult vaccines that are recommended by the Advisory Committee on Immunization Practices (ACIP) at no additional cost.



How do I qualify for Medicare Advantage in Texas?

You can join a Medicare Advantage Plan in Texas if all these apply:
•You're a U.S. citizen or lawfully present in the U.S.
•You have Medicare Part A and Part B.
•You live in the service area of the plan you want to join.



When can I enroll in a Medicare Advantage Plan in Texas?

Open enrollment starts October 15 and runs to December 7, 2022. During this time, seniors eligible for Medicare can compare 2023 coverage options on Medicare.gov. The Medicare Plan Finder provides clear easy-to-use information to allow people to compare options for Medicare Advantage Plans in Texas, which may change from year to year.

Late September 2022

• The 2023 Medicare & You handbooks are mailed to beneficiaries. Keep the handbook as a reference guide.
• Plan providers begin notifying enrollees about changes to their plans.

October 2022

• Beneficiaries can begin comparing plans starting October 1.
• Beneficiaries should watch their mail for notices from Medicare with information about changes in 2023.
• Star ratings will be available starting October 11.
• Open enrollment begins October 15.

December 2022

• Open enrollment ends December 7.

January 2023

• Medicare plan coverage begins January 1.

January 1 - March 31

The open enrollment period gives you an opportunity to try out an insurance plan. During this period, you can make one switch to a different Advantage Plan, or you can disenroll and return to Original Medicare. If so, you will be able to join a Medicare Prescription Drug Plan. Any changes you make during this period will be effective on the first of the month after the request is received by the provider.

During this period (Jan 1 - March 31) you can't:

• Switch from Original Medicare to a MA Plan.
• Join a Prescription Drug Plan if you're on Original Medicare.
• Switch from one Medicare Prescription Drug Plan to another if you're on Original Medicare.



Can I switch to a Texas Part-C Plan anytime?

Medicare provides special enrollment periods. You can make changes to your MA plans and Medicare Part-D coverage when certain events happen, like if you move and need Medicare in Utah or lose your insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). Regulations about the type of changes and when you can make changes are different for each SEP.



Are some Medicare Advantage Plans free in Texas?

You may be surprised to find some Medicare Advantage Plans are offering a $0 premium. Of course, no Medicare Part-C plan is really $0 cost for you. MA plans are offered by private insurance companies. These companies need to make a profit to pay employees. To offer $0 premiums, providers must make up their costs in other ways. Insurance companies do this through copays, deductibles, and coinsurance.



Why consider a Medicare Advantage Plan?

Many Medicare Advantage Plans offer preventive care and disease management programs to help people better manage their health, and healthy patients generally have better health outcome. With a Medicare Advantage Plan, you may have coverage for things like fitness programs and some vision, hearing, and dental services (like routine check-ups) that Original Medicare doesn't cover.

Also, MA plans may offer lower out-of-pocket expenses for you than Original Medicare. There is a limit from Part-C Plans on what you must pay out-of-pocket each year.

Plus plans may offer coverage for services like transportation to doctor visits, over-the-counter drugs, and services that promote your health and wellness.



Which pre-existing conditions are not covered by MA Plans?

You can join any Medicare Advantage Plan in TX even if you have a pre-existing condition.



How Much Does Medicare Advantage Cost in Texas?

The average premium for a Medicare Advantage Plan in 2022 was $19 per month, some premiums cost $0, and others cost over $100. In addition to any premiums your plan may charge, you may have to pay a yearly deductible. Cost-sharing in the form of copays, coinsurance, and deductibles varies depending on your provider. What you pay in a Medicare Advantage Plan in Texas depends on several factors. In most cases, you will need to use health care providers who participate in the plan’s network. Some plans will not cover all services from providers outside the plan’s network and service area.



What does Medicare Advantage cover?

Medicare Advantage Plans offer both medical (Part-B) and hospital (Part-A) insurance coverage and additional benefits. Depending on the type of plan you choose.

Prescription drug coverage. While this isn’t typically covered under original Medicare, most Medicare Advantage Plans offer additional prescription drug coverage and all MAPD plans offer drug coverage. To find out if your medications are covered, check the plan’s formulary or list of covered prescription drugs.

Dental, hearing, and vision. This includes non-medically necessary coverage, which Original Medicare doesn't always cover. MA plans differ in benefits offered and vary from plan to plan.



How to join a Medicare Advantage Plan

Go to the Medicare Plan Finder and enter your zip code to find and compare plans in your area. You can speak to a licensed Medicare agent at 1-855-778-4180 to help you determine which Medicare Advantage Plan would be best for your health care needs.



How to Choose a Medicare Advantage Plan in Texas

Exploring your options could save you a lot of money. When choosing an Advantage Plan, consider the out-of-pocket costs and coverage for your medical needs and prescription drugs, coverage for any current medical issues, and which providers and facilities are included in the plan’s network. You can find out more about the costs and coverage for all the MAPD plans available in Texas by selecting your county above.

Which plan fits your budget. How much is the monthly premium? How much is the annual deductible? How much are the copays and coinsurance? What are the plans' maximum out-of-pocket cost?

Check CMS star ratings. CMS created the five-star quality rating system to help seniors compare plans being offered. The star rating is on a scale of 1 to 5, with 5 being best.

Look for your doctors. If you have caregivers and medical facilities you use and prefer, look for plans that include them.

Prescription Drugs. A Medicare Advantage plan that includes your prescription drug coverage is ideal. Look at the plans Drug List (formulary) for coverage of your current medications. Check if your preferred local pharmacy is included in the plan’s pharmacy network or consider using a mail order pharmacy to lower costs.

Other coverage. Part-C Plans offer some additional benefits for dental, hearing, vision, gym memberships and transportation to medical appointments.

Travel coverage. Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers emergency care when you travel outside of the U.S.

Texas Health Insurance Assistance Program (SHIP)

The State Health Insurance Assistance Program (SHIP) is a national program that offers one-on-one counseling and education to seniors. SHIP team members are highly trained and certified to assist people on their Medicare, Medicare Advantage and Medigap and Medicaid benefits. SHIP also assists seniors with low income to apply for benefits, such as Medicaid, Extra Help, (Low Income Subsidy) and Medicare Savings Program which help pay for or reduce healthcare costs.

HICAP´s mission is to establish and maintain a comprehensive, coordinated and statewide system of health insurance counseling for older and disabled Texans. The Texas Department of Insurance partners with the Texas Legal Services Center and the Texas Department of Aging and Disability Services to provide information about both public benefits and private health insurance.

All HICAP programs in Texas are committed to working with seniors, particularly in the area of benefits counseling. HICAP staff and volunteers, located in 28 Area Agency on Aging offices, are trained in all aspects of public and private benefits. Benefits counselors are not allowed to recommend any policy or plan. Their role is to provide factual, unbiased information and assistance and to act as advocates when needed. HICAP is partially funded by the Centers for Medicare & Medicaid Services. It is not affiliated with any insurance company or HMO.

Website: https://www.hhs.texas.gov/services/health/medicare
Telephone: 1-800-252-9240



What is the Best Medicare Advantage Plans in Texas?

The best Medicare Advantage Plan will be different for each person, due to their specific needs and requirements. The most popular plan by enrollment in Texas is the HumanaChoice H5216-043 (PPO) with 100888 seniors enrolled.

How Much Does Medicare Advantage Cost in Texas

The average premium for a Medicare Advantage Plan in 2022 was $19 per month, some premiums cost $0, and others cost over $100. In addition to any premiums your plan may charge, you may have to pay a yearly deductible.

What is the highest rated plan in Texas?

The highest rated plans by the CMS with the lowest premium in Texas is KelseyCare Advantage Silver (HMO). It received a 5 star rating. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.


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*Licensed Agent Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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