Best Medicare Advantage Plans in Texas

More than 20 providers sell Medicare Advantage in Texas. Find out which ones are the top performers.
Jan 21, 2022

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More than 4.3 million people in Texas are signed up for Medicare, making it the third-largest U.S. state for Medicare beneficiaries.

Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan, but they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.

What to know about Medicare in Texas

With nearly 1 in 8 people in Texas being 65 and older, the state offers a variety of Medicare and Medicare Advantage plans.

  • The average monthly premium in 2022 for a Medicare Advantage plan in Texas is $10.68. (This is down from $11.11 in 2021.)

  • There are 337 Medicare Advantage plans available in Texas in 2022. (This is up from 289 plans in 2021.)

  • All Medicare-eligible people in Texas have access to a $0-premium Medicare Advantage plan.

Medicare Advantage providers in Texas

  • Amerigroup.

  • Ascension Complete.

  • Baylor Scott & White Health Plan.

  • Care N’ Care Insurance Company.

  • CHRISTUS Health Plan Generations.

  • Clover Health.

  • Community First Health Plans.

  • Devoted Health.

  • Exemplar Health.

  • GlobalHealth.

  • Imperial Insurance Companies.

  • KelseyCare Advantage.

  • Lasso Healthcare.

  • Memorial Hermann Health Plan.

  • Molina Healthcare of Texas.

  • Oscar.

  • Prominence Health Plan.

Top-rated Medicare Advantage plans in Texas

Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are plans that received top marks in Texas for the 2022 plan year. (Check out more information about Medicare star ratings.)

5-star plans

The plans below are rated 5 stars out of 5 by the CMS:

  • KelseyCare Advantage: KelseyCare Advantage Gold, KelseyCare Advantage Gold Community, KelseyCare Advantage Gold Freedom, KelseyCare Advantage Platinum, KelseyCare Advantage Silver, KelseyCare Advantage Silver Community, KelseyCare Advantage Silver Freedom.

  • UnitedHealthcare: AARP Medicare Advantage (select counties), AARP Medicare Advantage Patriot (select counties), AARP Medicare Advantage SecureHorizons, Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty without Drugs, Erickson Advantage Signature with Drugs.

4.5-star plans

The plans below are rated 4.5 stars out of 5 by the CMS:

  • Baylor Scott & White Health Plan: BSW SeniorCare Advantage, BSW SeniorCare Advantage Basic, BSW SeniorCare Advantage Platinum, BSW SeniorCare Advantage Preferred, BSW SeniorCare Advantage Preferred Rx, BSW SeniorCare Advantage Premium, BSW SeniorCare Advantage Premium Rx, BSW SeniorCare Advantage Select, BSW SeniorCare Advantage Select Rx.

  • Cigna: Cigna Alliance Medicare, Cigna Fundamental Medicare (select counties), Cigna Preferred Medicare (some counties), Cigna Preferred Savings Medicare.

  • Devoted Health: Devoted Health Core Greater Houston, Devoted Health Core San Antonio, Devoted Health Prime Greater Houston, Devoted Health Prime San Antonio.

  • Humana: Humana Gold Plus.

  • Wellcare: Wellcare TexanPlus Classic No Premium, Wellcare TexanPlus No Premium (select counties), Wellcare TexanPlus Patriot Giveback.

This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.

How to choose a Medicare Advantage plan

It’s crucial to ask a few questions as you’re shopping for the right plan for you. Here’s a quick checklist to help you consider your options:

  • How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra perks, such as fitness memberships, transportation benefits or meal delivery?

You can use Medicare’s plan finding tool to compare plans in your area.

Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in Texas? Check out these resources:

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