In Texas, over 4.7 million individuals are enrolled in Medicare, positioning it as the third-largest state in the U.S. for beneficiaries of this program.
Medicare serves as the federal health coverage plan for individuals aged 65 and above. Medicare Advantage is a comprehensive option provided by private insurers as a substitute for Medicare. It includes all the standard benefits, often accompanied by additional perks like financial assistance for dental and vision care.
Medicare Advantage plans come with additional perks compared to Original Medicare, and they frequently cost less than combined Medicare and a Supplement plan. However, these plans typically provide reduced flexibility because you are required to receive services exclusively from the providers in the plan’s network. Evaluate your choices carefully to find the plan that aligns best with your requirements.
Top-rated Medicare Advantage plans in Texas
What to know about Medicare Advantage in Texas
- Approximately 14% of Texas residents are aged 65 or over, and the state offers a range of Medicare Advantage options.
- In 2025, Texans can expect to pay an average monthly cost of $6.81 for a Medicare Advantage plan. This figure shows a decline from the $9.15 average observed in 2024.
- In 2025, Texas will have 373 Medicare Advantage plans to choose from. This number has decreased from 381 plans in 2024.
- In Texas, every individual eligible for Medicare can enroll in a Medicare Advantage plan with no premium cost.
Third-party ratings
As of the 10th so far—J.D. Power evaluated member contentment with Medicare Advantage plans through eight criteria, including trust level and the effectiveness of providers in addressing issues or grievances. This research was conducted in the ten largest Medicare markets, which encompass Texas.
In Texas, certain Medicare Advantage plans exceeded the regional benchmark of 629 points regarding member satisfaction ratings (on a scale of 1,000 points):
- Blue Cross and Blue Shield of Texas (665 points).
- Humana (655 points).
- Cigna Healthcare (637 points).
- UnitedHealthcare (632 points).
Medicare resources in Texas
State Health Insurance Assistance Program, or SHIP: The Texas Health Information, Counseling, and Advocacy Program offers complimentary guidance and details regarding Medicare choices, procedures, and expenses.
Texas Department of Insurance: Disseminates details regarding Medicare, long-term care coverage, and various insurance subjects.
Texas Area Agencies on Aging: Offer support and guidance to Texans over the age of 60, as well as their caregivers, to help them find and utilize numerous community resources.