Medicare Advantage Plans by Texas County
Hello Texas seniors! On this page you will find a complete list of Medicare Advantage Plans for Texas beneficiaries, organized by county. Not familiar with Medicare Advantage? No problem, it’s easy. An Advantage Plan replaces your Original Medicare with a traditional HMO or PPO health plan that offers you more coverage.
Locate and click on your Texas county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a Texas Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in Texas. Click Here to see your agents. You can request confidential quotes online to compare rates.
Medicare Advantage vs. Original Medicare with Medigap: Texas Full Coverage Choices
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in Texas protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in Texas are are standard. That means you have the benefit of shopping by best price.
When and How to Enroll in a Texas Medicare Advantage Plan
If you want to enroll in a Medicare Advantage plan available in Texas, you can do so during an enrollment period. Texas seniors turning 65, and those with Medicare Disability, have an Individual Enrollment Period (IEP). Your IEP starts two months before you are eligible and ends two months after eligibility. After that you must enroll or make changes to your plan during the Annual Election Period (AEP), more commonly known as open enrollment. AEP starts 15 October and ends promptly on 7 December.
Enrollment itself is quite easy. Most people in Texas use an independent Medicare insurance agent. Your agent is a licensed expert who knows the details of all of the plans available in your area. They get paid to find the best plan for you, and they are restricted by law from using selling and marketing tactics deems unethical by CMS. The second way to sign up is to go directly to the Medicare.gov website or call the Medicare.gov hotline. Click here to get started.
Obamacare vs. a Texas Medicare Advantage Plan
Like a lot of Texas seniors, you might be wondering how the new Obamacare law and the Texas State Health Insurance Exchange affect Medicare Advantage Plans. In general, the new healthcare law leaves MA plans virtually unchanged. There are new rules specifying a medical loss ratio for the carriers, but that’s about it.
You might also be interested to know that your Texas Health Insurance Exchange (where Obamacare plans are sold) will not assist people with Medicare benefits. In other words, you can’t trade your Medicare or purchase additional health insurance on the state health insurance exchange (HIX). If you call the Texas HIX hotline, they will simply redirect you to Medicare.gov. If you qualify for Extra Help, due to your income status, go to your local Social Security Administration office. Learn more about the healthcare law at www.HealthCare.gov.
Medicare Advantage Health Insurance in Texas
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. MedicareWire.com updates its databases quarterly. However, we are unable to verify the correctness of the data received. Only a licensed health insurance agent can give you a binding quote. For more information about the Medicare program, visit http://cms.gov.