Best Medicare Advantage Plans in Texas for 2023
Find Plans in your area with your ZIP Code
If you live in Texas and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half (48%) of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more healthcare providers.
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. can help you find top-rated Medicare Advantage plans in your region of Texas. The overview of Texas's market below will give you a clear picture of your top options and who the best providers are. It also shows you how much you can expect to pay each month for a plan.
NOTE: Our analysis does not include Texas's Medicare Advantage SNP Plans. We evaluate these plans separately. We also did not include plans without Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... benefits, employer plans, or Medicare-Medicaid Plans (MMPs).
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Who Has The Best Medicare Advantage Plans in Texas?
Every year, the Centers for Medicare & Medicaid ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs. (CMS) rates all Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). in Texas based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
Texas has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Texas come from:
- UnitedHealthcare
- Cigna
- Scott and White Health Plan
- KelseyCare Advantage
We recommend evaluating the health plans from these Texas providers ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Texas. That's why it is so important to fully understand the advantages and disadvantages of Medicare Advantage plans specifically for you and your personal situation.
Complete List of Texas's 2023 Medicare Advantage Plan Providers
Texas's Medicare Advantage plans are offered by 25 plan providers, including:
- Aetna Medicare
- Alignment Health Plan
- Amerigroup
- Amerigroup Insurance Company
- Ascension Complete
- Blue Cross and Blue Shield of OK, TX
- Blue Cross and Blue Shield of Texas
- Care N' Care Insurance Company
- CHRISTUS Health Plan
- Cigna
- Clover Health
- Community First Health Plans
- Devoted Health
- GlobalHealth
- Humana
- Imperial Insurance Companies
- KelseyCare Advantage
- Lasso Healthcare
- Memorial Hermann Health Plan
- Molina Healthcare
- Prominence Health Plan
- Scott and White Health Plan
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
Top Ranked 2023 Medicare Advantage Plans in Texas
According to the Centers for Medicare & MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. Services, here are the top 2023 Medicare Advantage Plans available in Texas:
Top Medicare Advantage Plans in Texas
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Cigna | H4513-061 | Cigna Preferred Medicare (HMO) | $0.00 | $2,900 | 5.0 |
| Cigna | H4513-066 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $6,400 | 5.0 |
| Cigna | H4513-064 | Cigna Alliance Medicare (HMO) | $0.00 | $2,600 | 5.0 |
| KelseyCare Advantage | H0332-009 | KelseyCare Advantage Platinum (HMO) | $0.00 | $3,450 | 5.0 |
| KelseyCare Advantage | H0332-008 | KelseyCare Advantage Gold Community (HMO-POS) | $15.00 | $3,450 | 5.0 |
| KelseyCare Advantage | H0332-002 | KelseyCare Advantage Gold (HMO) | $0.00 | $3,450 | 5.0 |
| KelseyCare Advantage | H0332-004 | KelseyCare Advantage Gold Freedom (HMO-POS) | $0.00 | $3,450 | 5.0 |
| Scott and White Health Plan | H8142-002 | BSW SeniorCare Advantage Preferred Rx (HMO) | $145.00 | $4,000 | 5.0 |
| Scott and White Health Plan | H8142-003 | BSW SeniorCare Advantage Premium Rx (HMO) | $253.00 | $4,800 | 5.0 |
| Scott and White Health Plan | H8142-001 | BSW SeniorCare Advantage Select Rx (HMO) | $0.00 | $5,800 | 5.0 |
| UnitedHealthcare | H4590-012 | AARP Medicare Advantage SecureHorizons Plan 1 (HMO-POS) | $0.00 | $3,900 | 5.0 |
| UnitedHealthcare | H4590-041 | AARP Medicare Advantage SecureHorizons Plan 2 (HMO-POS) | $71.00 | $3,200 | 5.0 |
| UnitedHealthcare | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $68.00 | $4,300 | 5.0 |
| UnitedHealthcare | H4590-042 | AARP Medicare Advantage (HMO-POS) | $0.00 | $4,500 | 5.0 |
| UnitedHealthcare | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
| UnitedHealthcare | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
| UnitedHealthcare | H4590-010 | AARP Medicare Advantage SecureHorizons (HMO-POS) | $0.00 | $3,800 | 5.0 |
| Devoted Health | H7993-007 | Devoted CORE El Paso (HMO) | $0.00 | $3,450 | 4.5 |
| Devoted Health | H7993-008 | Devoted GIVEBACK El Paso (HMO) | $0.00 | $7,550 | 4.5 |
| Devoted Health | H7993-003 | Devoted CORE San Antonio (HMO) | $0.00 | $3,900 | 4.5 |
| Devoted Health | H7993-004 | Devoted PRIME San Antonio (HMO) | $18.70 | $3,900 | 4.5 |
| Devoted Health | H7993-001 | Devoted CORE Greater Houston (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H7993-006 | Devoted GIVEBACK Greater Houston (HMO) | $0.00 | $6,900 | 4.5 |
| Devoted Health | H7993-002 | Devoted PRIME Greater Houston (HMO) | $25.00 | $3,400 | 4.5 |
| Humana | H5216-350 | HumanaChoice H5216-350 (PPO) | $0.00 | $7,500 | 4.5 |
| Humana | H5216-352 | HumanaChoice H5216-352 (PPO) | $0.00 | $5,900 | 4.5 |
| Humana | H0473-005 | HumanaChoice H0473-005 (PPO) | $0.00 | $6,900 | 4.5 |
| Humana | H5216-042 | HumanaChoice H5216-042 (PPO) | $93.00 | $6,700 | 4.5 |
| Humana | H5216-043 | HumanaChoice H5216-043 (PPO) | $24.00 | $6,700 | 4.5 |
| Humana | H0473-004 | HumanaChoice H0473-004 (PPO) | $0.00 | $6,900 | 4.5 |
| Humana | H5216-358 | HumanaChoice H5216-358 (PPO) | $0.00 | $7,500 | 4.5 |
| Humana | H5216-353 | HumanaChoice H5216-353 (PPO) | $0.00 | $3,900 | 4.5 |
| Humana | H5216-360 | HumanaChoice H5216-360 (PPO) | $0.00 | $5,900 | 4.5 |
| Humana | H0473-003 | HumanaChoice H0473-003 (PPO) | $37.00 | $6,700 | 4.5 |
| Humana | H5216-351 | Humana USAA Honor with Rx (PPO) | $0.00 | $6,900 | 4.5 |
| Humana | H0473-001 | HumanaChoice H0473-001 (PPO) | $0.00 | $6,700 | 4.5 |
| Scott and White Health Plan | H2032-001 | BSW SeniorCare Advantage (PPO) | $0.00 | $6,400 | 4.5 |
| Scott and White Health Plan | H2032-002 | BSW SeniorCare Advantage Basic (PPO) | $37.00 | $6,800 | 4.5 |
| Scott and White Health Plan | H2032-003 | BSW SeniorCare Advantage Platinum (PPO) | $140.00 | $4,200 | 4.5 |
| UnitedHealthcare | H4514-014 | AARP Medicare Advantage Ally (HMO-POS) | $0.00 | $3,900 | 4.5 |
| UnitedHealthcare | H4527-037 | AARP Medicare Advantage Plan 1 (HMO-POS) | $0.00 | $3,900 | 4.5 |
| UnitedHealthcare | H4514-007 | AARP Medicare Advantage Plan 2 (HMO-POS) | $0.00 | $5,900 | 4.5 |
The top providers listed above do not tell the full story. That's because your Texas County may or may not have one of the top-rated plans. Unlike Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage., Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best 2023 Medicare Advantage Plans by Texas County
Choose your Texas County below to see the best (and the worst) 2023 plans.
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How to Find the Best Medicare Advantage Plan Available in Texas
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment PeriodThe Annual Enrollment Period is when Medicare beneficiaries can join, drop or change Medicare Advantage and Medicare Part D prescription drug plans. AEP begins on 15 October and ends on 7 December.. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Consider Your Expected Utilization
Do you think you’ll take maximum advantage of your benefits? If so, prioritize plans with lower out-of-pocket maximums and lower copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., even if they have higher monthly premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. . Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share..
2. Evaluate Your Prescription Costs
Prescriptions are often the main reason that people pay more for healthcare. Because most Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your medications at a cost you can afford.
3. Understand Your Additional Coverage Needs
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Texas tell us it's difficult to find a plan their doctor accepts. We can help!
Should I Choose an HMO or PPO plan?
There are many plan options available when shopping for Medicare Advantage plans in Texas, including HMO and PPO options. These are some of the differences you should consider before making a plan selection.
- With an HMO you may pay less out-of-pocket, but you will need to choose a primary physician to coordinate your care. Referrals for specialists are often required. Except in an emergency, you must remain within the provider network.
- With a PPO you are not required to get referrals for specialty care. You have the option to get health care outside of the plan's provider network. However, typically you will pay more and the out-of-pocket maximum for out-of-network care will be higher.
Need help choosing? Call 1-855-728-0510 (TTY 711) for plan assistance. There's no obligation.
Find Plans in your area with your ZIP Code
Frequently Asked Questions
Still have questions? These common questions and answers might help. Or, call 1-855-728-0510 (TTY 711) to speak with a licensed advisor.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Texas?
A Medicare Advantage plan in Texas costs an average of $17.81. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments..
What are Medicare Advantage plans required to cover?
At a minimum, every Medicare Advantage plan sold in Texas must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. covers 80% of hospital stays, skilled nursing, home health careHealth care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered..., and hospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Methodology and Sources
Our analysis of the top-rated Medicare Advantage plans in Texas excludes employer group plans, Medicare-Medicaid Plans (MMPs), Medicare Savings Account Plans (MSAs), Special Needs Plans (SNPs), and plans that do not include Part D benefits.
CMS rates health plans in several categories, including delivery of health care, member experience and customer service. When comparing plan ratings, we use state-specific data, not CMS' nationwide figures.
Medicare Advantage plan data is sourced from CMS public use files (see: Citations & References). When needed, we combined affiliated companies to calculate insurer averages.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed October 15, 2022
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage in 2022: Enrollment Update and Key Trends", Last Accessed August 25, 2022
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 19, 2022
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 1, 2022
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
This Medicare Advantage state information page was last updated on .