Texas Medicare Advantage Plans

texas medicare advantage plans provide security

Texas Medicare Advantage Plans are private health plan options approved by Medicare. Plans are administered by various insurance companies. These plans pay instead of Medicare, and you will pay co-pays for medical services. Medicare Advantage plans are an option for Medicare beneficiaries who have Medicare Parts A & B and live in the plan’s service area.

Medicare Advantage plans work differently than Medigap plans. They are not the same.


Here are some facts to consider about Medicare Advantage:

    • Texas Medicare Advantage plans often have low premiums 
    • Though Medicare Advantage premiums may be low, you will have cost-sharing (copays or coinsurance) for most medical services, such as doctor visits, hospital stays, labwork, MRI scan, and even chemotherapy and radiation. Limitations, copays and restrictions may apply.
    • Medicare Advantage plans sometimes offer extra benefits such as routine physicals and vision care.
    • Only one health question is asked, so for some Medicare beneficiaries, getting accepted into a Medicare Advantage plan is possible despite health conditions.

Common Medicare Advantage Plan Types

Medicare Advantage plans come in several types. Among these are:


Texas Medicare HMO

Texas Medicare PPO

Texas Medicare PFFS

Not sure on choosing a Texas Medicare Advantage plan or which type of Medicare plan is most suitable for you? Contact our agency to discuss your options with an experienced agent who is familiar with Texas plans. We will help to walk you through some of the more important questions about Medicare Advantage plans in our state, such as whether your doctor is in the plan’s network, and what kinds of copays you might be expected to pay for medical services under your chosen plan.


Medicare Advantage plans work very differently from Medicare Supplements. Many of these private Medicare health insurance plans require you to use certain networks of doctors, and doctors outside of the network may or may not be covered under your insurance policy. Working with an insurance agent to carefully review the benefits offered by a plan will help you ensure it matches your individual needs.

Your Medicare Advantage plan’s benefits, formulary, pharmacy network, provider network, premium and/or co-payments and co-insurance may change on January 1 of each year.

We’ll be sure to walk you through when to expect your Annual Notice of Change letter from your Medicare Advantage carrier, and what things you should look for in your packet each year before deciding whether you will stay with your plan or change. Choosing a Medicare Advantage plan means you will need to do a bit of review each year so that you always know exactly what is covered under your plan from year to year.

Medicare Advantage plans also have certain enrollment periods, so check with an agent to find out when you can apply.

Get a quote for Texas Medicare Advantage plans in your county today – call us! You may also complete our online request form:

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