7 Best Texas Medicare Advantage Plans for Seniors.
Looking for Texas Medicare Advantage plans with the best value in 2025 and 2026? Good news – every Texas resident with Medicare can now get $0 premium plans.
Now is the perfect time to look at what’s available.
Texas Medicare Advantage options have grown more competitive. Residents can now choose from 373 plans statewide in 2025. The average premium has dropped from $9.15 in 2024 to $6.81 in 2025.
These changes bring better deals to the 4.7 million Texans who have Medicare. Houston’s Medicare scene illustrates the popularity of these plans, with 61.28% of Medicare beneficiaries already utilizing Medicare Advantage plans. They can pick from 43 different $0 premium options.
We’ve done the homework on Texas’s top Medicare Advantage plans to help you make a better choice. This piece covers the seven best options for 2025 and 2026, comparing their costs and benefits.
You’ll learn which plans are likely to work best for your needs. We’ll show you the standout features that make these plans Texas’s top choices, from complete coverage to extra benefits.
KelseyCare Advantage Freedom (HMO-POS)
Image Source: Kelsey-Seybold Clinic
KelseyCare Advantage Freedom stands out among Texas Medicare Advantage plans with its HMO-POS structure. The plan gives you both network stability and flexibility. You get structured care of an HMO and the freedom to see out-of-network providers when needed. This plan should be on your radar if you’re looking at Medicare options in Texas.
KelseyCare Advantage Freedom key features
KelseyCare Advantage Freedom (HMO-POS) offers comprehensive coverage with several valuable features. The plan comes with a $0 monthly premium while keeping strong benefits [1]. Y
You can see non-contracted providers through the Point-of-Service option, though you’ll pay more [2].
The plan serves 12 Texas counties: Austin, Brazoria, Chambers, Fort Bend, Grimes, Harris, Liberty,
Montgomery, San Jacinto, Walker, Waller, and Wharton [1]. You’ll pay low copays – $0 for primary care and just $25 for specialist visits with in-network providers [2].
The plan also provides preventive dental, vision, and hearing benefits, as well as a generous $95 quarterly allowance for over-the-counter items [2].
It earned an impressive 4.5 out of 5 stars from CMS for 2025, indicating high-quality care and satisfied members [2].
Unlike standard Medicare Advantage plans, you receive rides to medical appointments within the service area, making healthcare more accessible [2]. The plan also provides better prescription drug coverage, with $0 copays for preferred generic and select specialty drugs [2].
KelseyCare Advantage Freedom pros and cons
Pros:
$0 monthly premium with complete coverage [1]
Low $3,450 in-network out-of-pocket maximum compared to other plans [2]
Freedom to see out-of-network providers when needed [1]
Better prescription drug benefits with $0 copays on select medications [2]
$95 quarterly OTC allowance helps cut your healthcare costs [2]
No referrals needed for out-of-network services [1]
Strong 4.5-star rating from Medicare shows quality service [2]
Cons:
$200 prescription drug deductible before coverage kicks in [2]
Out-of-network care costs more (40% coinsurance for many services) [2]
$10,000 out-of-network maximum out-of-pocket limit is much higher than in-network [2]
The service area is smaller than some statewide Medicare Advantage plans in Texas [1]
KelseyCare Advantage Freedom pricing
You get great value with a $0 monthly premium [1]. You’ll still need to pay your Medicare Part B premium, just like with all Medicare Advantage plans [1].
There’s no medical deductible, so your healthcare costs are easier to predict [2]. Hospital stays cost $295 per stay at in-network facilities, while out-of-network hospitals charge 40% coinsurance [2].
The prescription drug coverage has a $200 yearly deductible [2]. After that, you pay tiered copays from $0 for preferred generics to 30% coinsurance for specialty medications [2]. Your coverage gets better once total drug costs hit $2,000 [3].
Emergency care costs $120 (waived if you’re admitted within 3 days), and urgent care visits are $40 [2]. The $3,450 in-network maximum out-of-pocket limit protects your finances [2].
Who should choose KelseyCare Advantage Freedom?
This plan works best if you want flexibility without incurring significant expenses. It’s perfect if you live in one of the 12 covered counties and want options beyond network providers.
The plan is ideal for seniors who regularly take prescription medications, thanks to $0 copays on select medications. It works well if you mainly use in-network providers but want the option to go outside the network occasionally.
Active seniors who use preventive care services will love the $0 copays. If you have chronic conditions, the $3,450 in-network out-of-pocket maximum helps protect your wallet.
The plan suits you well if you occasionally need rides to medical appointments or frequently purchase over-the-counter health items. The quarterly allowance helps you save money.
As one of the best Medicare Advantage plans in Texas with a 4.5-star rating, KelseyCare Advantage Freedom gives you quality care with flexibility at a $0 premium.
Cigna Alliance Medicare (HMO)
Image Source: Cigna Healthcare
Cigna Alliance HealthSpring Medicare (HMO) provides a resilient infrastructure for Texas HealthSpring seniors who need detailed healthcare without monthly premiums.
The plan got a stellar 4.5 out of 5 stars rating for 2025, which shows its high-quality care and member satisfaction [4]. Let’s explore what makes this plan worth considering among Texas Medicare Advantage plans.
Cigna Alliance Medicare key features
Cigna Alliance Medicare HealthSpring (HMO) serves eleven Texas counties: Brazoria, Chambers, Fort Bend, Galveston, Hardin, Harris, Jefferson, Liberty, Montgomery, Orange, and Walker [4].
The plan comes with a $0 monthly premium and requires no medical deductible, making it available immediately to qualifying seniors [4].
A standout feature is its $0 prescription drug deductible, unlike many competitors that require upfront payments before drug coverage kicks in [4]. Members pay affordable specialist visit copays of just $10 [4], which is significantly lower than the industry average.
Cigna/HealthSpring Healthcare will automatically reduce your Medicare Part B premium by up to $5 per month [1]. The plan has detailed coverage for dental, vision, and hearing services [4].
Cigna?HealthSpring improved its dental allowance to $2,600 annually for combined preventive and detailed dental services in 2025, up from $2,500 in 2024 [3]. Members also get the Silver&Fit fitness program and home-delivered meals after qualifying hospital stays [1].
Cigna/HealthSpring Medicare pros and cons
Pros:
$0 monthly premium with detailed coverage
$0 prescription drug deductible cuts out upfront medication costs
Part B premium reduction of up to $5 monthly adds money to your Social Security check
Affordable $10 specialist visit copays make ongoing care easier
Better dental allowance of $2,600 annually for 2025
Preferred pharmacy pricing saves you money on prescriptions
Strong 4.5-star Medicare rating shows quality service and happy members
Cons:
Out-of-pocket maximum went up to $3,200 for 2025 (from $2,900 in 2024) [3]
Emergency care copay rose to $140 (from $135 in 2024) [3]
HMO structure means you must use network providers (unlike PPO or HMO-POS plans)
Inpatient hospital stay copay increased to $225 per stay for 2025 [3]
Available only in specific Texas counties, not statewide
Cigna/HealthSpring Alliance Medicare pricing
The plan offers premium-free coverage, but it’s essential to understand its cost structure.
You receive a $0 monthly premium and a $0 medical deductible, but must continue to pay your Medicare Part B premium (minus the $5 reduction benefit) [3].
Members save on prescription medications through tiered pricing at preferred pharmacies:
Tier 1 (Preferred Generic): $0 at preferred pharmacies, $9 at standard pharmacies [1]
Tier 2 (Generic): $4 at preferred pharmacies, $15 at standard pharmacies [1]
Tier 3 (Preferred Brand): $45 at preferred pharmacies, $47 at standard pharmacies [1]
Tier 4 (Non-Preferred): $95 at preferred pharmacies, $100 at standard pharmacies [1]
Tier 5 (Specialty): 33% coinsurance, whatever pharmacy you use [1]
Your maximum out-of-pocket limit for 2025 is $3,200. Once you hit this threshold for covered services, you won’t pay anything else that year [3].
Emergency care costs a $140 copay (waived if admitted within 24 hours), while urgent care visits cost $10 [1].
Who should choose Cigna/HealthSpring Alliance Medicare?
Budget-conscious seniors who use network providers and want detailed coverage without monthly premiums will love this plan. The $0 drug deductible helps people who need to continue taking medications, as coverage starts right away without upfront costs.
Beneficiaries who value extras like fitness programs, OTC allowances, and dental benefits will find great value here. The plan works best for seniors who prefer fixed copays instead of percentage-based coinsurance.
Seniors living in the eleven covered Texas counties who often see specialists benefit from the low $10 specialist copays. The automatic $5 Part B premium reduction boosts monthly Social Security payments, which helps those on fixed incomes.
The strong star rating and detailed benefits make Cigna/HealthSpring Alliance Medicare (HMO) one of the top Texas Medicare Advantage plans for high-quality coverage at a competitive premium.
Devoted PREMIUM Greater Houston (HMO)
Image Source: www.devoted.com
Devoted PREMIUM Greater Houston (HMO) balances affordable premiums with a complete coverage package for seniors in select Texas counties.
The plan’s 4.5-star Medicare rating makes it a solid choice if you want quality care throughout Greater Houston and surrounding areas [5].
Devoted PREMIUM Greater Houston key features
The plan serves as a Health Maintenance Organization (HMO) in five specific counties: Chambers, Harris, Jefferson, Liberty, and Orange [2].
Unlike many $0 premium choices, you’ll pay a modest $7.20 monthly premium (drops to $0 if you qualify for Extra Help) [2].
You’ll get a $500 yearly allowance that covers both dental and eyewear needs [2]. The plan lets you visit any licensed dentist or eyewear retailer within this allowance and has coverage for select preventive dental services [3].
Your primary care visits come with $0 copays, while specialist visits need a $25 copay [2]. The plan will give you predictable medication costs – you’ll never pay more than $35 for a 30-day supply of covered insulin throughout the year [3].
A wide range of preventive services costs you nothing, from annual wellness visits to cancer screenings and vaccines (flu, hepatitis B, pneumococcal, and COVID shots included) [2]. The coverage extends to erectile dysfunction medications like sildenafil (generic Viagra) and tadalafil (generic Cialis) at Tier 2 cost sharing levels [3].
Devoted PREMIUM Greater Houston pros and cons
Pros:
Low $7.20 monthly premium (could be $0 with Extra Help) [2]
No medical deductible makes healthcare budgeting easier [2]
$0 copays when you see primary care doctors [2]
$500 yearly allowance combines dental and eyewear [2]
$35 cap on 30-day insulin supplies [3]
4.5-star Medicare quality rating [5]
Rich preventive care coverage at no extra cost [2]
Cons:
$590 pharmacy deductible hits Tiers 3-5 medications [2]
HMO structure keeps you with in-network providers except during emergencies [2]
$25 specialist copay runs higher than some competitors [2]
Available in just five Texas counties [2]
$4,150 maximum out-of-pocket limit exceeds some premium plans [2]
Devoted PREMIUM Greater Houston pricing
The $7.20 monthly premium adds to your regular Medicare Part B premium [2]. While there’s no medical deductible, a $590 pharmacy deductible applies to Tiers 3-5 medications [2].
Hospital stays cost $325 per day for days 1-5, then $0 for day 6 and beyond [2]. Emergency visits have a $140 copayment, while urgent care requires a $45 copayment [3].
Your yearly costs won’t exceed the $4,150 annual maximum out-of-pocket limit for in-network services [2]. After hitting this cap, the plan pays 100% of Medicare-approved services for that year [3].
Mental health costs vary. Outpatient therapy (individual or group) requires a $25 copay, while inpatient psychiatric care costs $425 per day for days 1-5, then $0 for days 6-90 [2].
Who should choose Devoted PREMIUM Greater Houston?
This plan suits Medicare beneficiaries in the five covered counties who prefer predictable copays over percentage-based coinsurance.
The $0 PCP copays work well if you visit your primary doctor frequently. The $25 specialist copay warrants a closer examination based on your specific needs.
Diabetic seniors will appreciate knowing their insulin will cost no more than $35 per month. The $500 combined dental and vision allowance adds value, especially since you can choose your providers.
The HMO model works best if you’re comfortable staying within the network. Since you’ll need referrals for specialists [2], the plan fits well if you don’t mind your primary doctor coordinating your care.
Even with its modest premium, this stands out as one of the best Texas Medicare Advantage plans that strikes a balance between premium-free options with higher costs and pricier plans with broader coverage.
AARP Medicare Advantage Giveback from UHC TX-31 (PPO)
Image Source: onealinsurancegroup.com
The AARP Medicare Advantage Giveback from UHC TX-31 (PPO) stands out from other texas medicare advantage plans because of its premium reduction benefit. This UnitedHealthcare plan combines financial benefits with a flexible Preferred Provider Organization structure.
AARP Giveback TX-31 key features
The plan’s standout feature is its generous $57 monthly Part B premium reduction [6]. Members see this money added back to their Social Security check each month, which adds up to significant yearly savings.
You can access this PPO plan in 14 Texas counties: Austin, Brazoria, Brazos, Fort Bend, Galveston, Grimes, Hardin, Harris, Jefferson, Liberty, Matagorda, Montgomery, Orange, and Wharton [7].
The plan comes with a $0 monthly premium [4] and lets you access healthcare services nationwide.
The plan charges $0 copays for primary care visits and $55 copays for specialist visits [8]. Starting 2025, members get a free fitness program that includes gym membership, access to nationwide fitness locations, on-demand workout videos, and online memory fitness activities [7].
The plan also includes a meal program that delivers 28 home-delivered meals right after an inpatient hospital stay or skilled nursing facility stay at no extra cost [7].
AARP Giveback TX-31 pros and cons
Pros:
$57 monthly Part B premium reduction [6]
$0 monthly premium [7]
Nationwide network access [4]
No medical deductible [7]
Flexibility to see out-of-network providers
Meal benefit following hospitalization [7]
Free fitness program membership [7]
Cons:
High $495 prescription drug deductible for Tiers 3, 4, and 5 medications [7]
$8,200 in-network out-of-pocket maximum is higher than some competitors [4]
$14,000 combined in-network and out-of-network out-of-pocket maximum [4]
Higher specialist copay ($55) compared to some other plans [8]
Higher emergency care copay of $110 [7]
AARP Giveback TX-31 pricing
You’ll pay a $0 monthly premium with no medical deductible [7]. The plan reduces your Medicare Part B premium by $57 monthly, though you still need to pay the remaining amount [7].
The prescription drug coverage has a $495 deductible that only applies to Tiers 3, 4, and 5 drugs, while Tiers 1 and 2 have no deductible [7]. After meeting the deductible, copays range from $14 for Tier 2 generics to 27% coinsurance for specialty medications [8].
Your costs max out at $8,200 for in-network care and $14,000 for combined in-network and out-of-network care [4]. Hospital stays cost $440 per day for days 1-5, with no charge for additional days [8].
Emergency care has a $110 copay (you don’t pay if admitted within 24 hours), and urgent care visits cost $45 [7]. Diagnostic services range from $0 for lab services to $240 for diagnostic radiology [8].
Who should choose AARP Giveback TX-31
Budget-conscious Medicare beneficiaries will appreciate the $57 monthly Part B premium reduction. The plan is a great fit if you want to boost your Social Security income while keeping your Medicare coverage.
The PPO structure gives you the freedom to visit both in-network and out-of-network providers without referrals. You’ll save more money when you stick to in-network care.
The plan works best if you’re generally healthy and don’t need extensive prescription drug coverage. It’s a good choice for residents in the 14 covered Texas counties who want nationwide network access when traveling.
Seniors looking for extra perks like fitness programs and after-hospital meals will find this plan attractive among best texas medicare advantage plans choices.
Aetna Medicare Freedom (PPO)
Image Source: Aetna
The Aetna Medicare Freedom (PPO) plan stands out as one of the best texas medicare advantage plans for 2025. Members love this Preferred Provider Organization because it gives them more freedom than typical HMO plans to see doctors both in and outside their network.
Aetna Medicare Freedom key features
The plan has a detailed set of benefits that go beyond Original Medicare. Members pay $0 copays for primary care visits with in-network doctors [1]. Texas residents get SilverSneakers fitness benefits at no extra cost. These benefits come with instructor-led classes, at-home kits if you’re homebound, and access to thousands of fitness centers [9].
The plan’s connection to CVS Health makes it special. You can visit MinuteClinic locations and pay the same copay as your regular doctor visits [10]. The 2025 plan lets you get colonoscopies from in-network providers without any copay [10].
The sort of thing I love about Aetna is their consistently high ratings. They earned an impressive 4.29 stars out of 5 average Medicare rating for 2025 [10]. All but one of these members belong to plans rated 4 stars or higher [10].
Aetna Medicare Freedom pros and cons
Pros:
Freedom to choose in-network and out-of-network providers
Many areas offer $0 monthly premium [1]
Full dental, vision, and hearing coverage [11]
Use thousands of fitness locations [11]
Extras like OTC allowance for medicine and first aid items [11]
Special perks like Resources for Living program [10]
Cons:
Out-of-network services cost more [1]
High maximum limits for both in-network and combined services
Drug coverage changes between plan versions
Benefits and premium costs vary by area
Aetna Medicare Freedom pricing
Many Texas locations let you get this plan without a monthly premium – $0 [1]. You’ll pay nothing for in-network primary care visits, but out-of-network visits cost $55 [1].
Your protection against high costs varies. In-network services cap at around $6,700, while combined in/out-of-network services stop at about $11,300 [1].
The plan uses tiers for drug coverage. You’ll save money at preferred pharmacies, and mail order options might cut costs even more [11].
Who should choose Aetna Medicare Freedom
This plan fits perfectly if you want to choose your own doctors. On top of that, it works great for people who travel around Texas or nationally but need steady coverage.
The plan makes sense if you value fitness programs, OTC allowances, and full dental coverage. You’ll get the most value if you don’t mind paying a bit more for out-of-network care to get more freedom.
The Aetna Medicare Freedom PPO hits the sweet spot among medicare advantage plans texas. You get the freedom to choose doctors while enjoying great coverage and valuable extra perks.
Wellcare TexanPlus Classic Simple (HMO-POS)
Image Source: MedicareAdvantage.com
Wellcare TexanPlus Classic Simple (HMO-POS) stands out among texas medicare advantage plans with its well-laid-out care and some out-of-network flexibility. The plan earned a 3.5-star Medicare rating and provides Texas seniors with affordable coverage options.
Wellcare TexanPlus Classic Simple key features
The plan was created as an HMO with Point-of-Service options that lets members get some services outside the network at higher costs [12]. Members can access services across 16 Texas counties: Austin, Brazoria, Chambers, Fort Bend, Galveston, Hardin, Harris, Jackson, Jefferson, Lavaca, Liberty, Montgomery, Orange, Walker, Waller, and Washington [13].
Members pay $0 copays for primary care visits, while specialist visits cost a reasonable $15 copay with prior authorization and referral [3]. The plan’s 24-Hour Nurse Advice Line is available at 1-800-581-9952, so members can get medical guidance without seeing a doctor [14].
Beyond basic coverage, members receive $89 quarterly on a Wellcare Spendables™ card for over-the-counter items [13]. They also get up to 24 one-way trips each year to plan-approved healthcare locations [3].
Wellcare TexanPlus Classic Simple pros and cons
Pros:
$0 monthly premium [3]
Low $3,400 in-network maximum out-of-pocket limit [3]
$0 copays for primary care visits [3]
Quarterly OTC allowance of $89 [13]
Transportation benefit covering 24 one-way trips annually [3]
$0 deductible for Tier 1, 2, and 6 medications [15]
Cons:
$420 annual Part D deductible for Tiers 3-5 medications [3]
Prior authorization and referrals needed for many services [3]
Higher costs for out-of-network services [15]
3.5 star rating falls below some competitors [3]
Wellcare TexanPlus Classic Simple pricing
Members pay a $0 monthly premium without any medical deductible [3]. Hospital stays cost a flat $325 copay per stay [3]. Emergency care runs $140 (waived if admitted within 24 hours) and urgent care visits cost a $25 copay [3].
The prescription drug coverage has a $420 annual deductible for Tiers 3-5 drugs [3]. Copays after meeting the deductible range from $0 for preferred generics to 28% coinsurance for specialty medications [3].
Members won’t pay more than $3,400 annually for in-network services [13].
Who should choose Wellcare TexanPlus Classic Simple
Budget-conscious seniors who use in-network providers but want some out-of-network flexibility will find value in this plan. The $15 specialist copay makes it attractive for members who see specialists often.
Seniors with mobility challenges benefit from the transportation coverage to medical appointments. The quarterly OTC allowance helps members who keep taking health-related items.
The plan works best for people who take mostly Tier 1 and 2 medications because of its drug deductible structure. It’s a balanced option among best texas medicare advantage plans that provides good coverage without premium costs.
Blue Cross Medicare Advantage Basic (HMO)
Image Source: Health Care Service Corporation
Blue Cross Blue Shield’s Medicare Advantage Basic plan gives Texas residents a traditional HMO structure. The plan is now in several Texas counties and comes with no monthly premium and detailed coverage through its network-based care system.
Blue Cross Medicare Advantage Basic key features
The Blue Cross Medicare Advantage Basic HMO serves Texas counties like Chambers, Fort Bend, Hardin, Harris, Jefferson, Liberty, Montgomery, and Orange [2]. You’ll need to use specific doctors and hospitals in the network, except when you need emergency care [16].
You won’t pay anything for primary care visits [2]. The plan goes beyond Original Medicare’s coverage and has preventive dental services, wellness programs, and transportation benefits [2].
One great feature is the transportation benefit. You get up to 12 one-way trips each year to plan-approved locations at no extra cost [2]. The plan also gives you a quarterly allowance to spend on over-the-counter drugs and health products [2].
Blue Cross Medicare Advantage Basic pros and cons
Pros:
$0 monthly premium with detailed coverage [2]
Low $3,400 in-network out-of-pocket maximum [2]
No medical deductible to make healthcare budgeting easier [2]
$0 copay for primary care visits [2]
Transportation benefit to help you get to medical appointments [2]
Cons:
HMO structure only covers network providers except in emergencies [16]
$30 copay when you see specialists [2]
$295 per day copay for the first six days in hospital [2]
Coverage area is smaller than some statewide plans [2]
Star rating of 3-3.5 falls behind some competitors [17]
Blue Cross Medicare Advantage Basic pricing
The plan has a $0 monthly premium, but you still pay your Medicare Part B premium ($185 in 2025) [18]. Your coverage starts right away since there’s no medical deductible [2].
Hospital stays cost $295 per day for days 1-6 and $0 for days 7-90 [2]. Emergency care has a $120 copay (you don’t pay if admitted) [2]. Urgent care visits cost $30 [2].
Your out-of-pocket costs won’t exceed $3,400 annually [2], which protects you from high medical expenses.
Who should choose Blue Cross Medicare Advantage Basic
This plan fits Medicare beneficiaries who like the HMO model and mainly use in-network providers. It’s a good match if you live in one of the eight covered counties and want a dedicated network of doctors.
The plan works well if you want predictable costs with no premium. You’ll find it especially helpful if you need rides to medical appointments.
This stands out among Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Amarillo, Grand Prairie, Brownsville, Killeen, and Denton texas medicare advantage plans if you want detailed coverage without premium costs and don’t mind staying within the HMO network.
Conclusion
Selecting the right Medicare Advantage plan depends on your healthcare needs, budget, and priorities. This piece highlights seven outstanding Texas Medicare Advantage plans for 2025. Each plan comes with benefits that suit different situations.
Texas seniors have remarkable opportunities in the Medicare Advantage market. The state now has 373 plans with average premiums dropping to $6.81. Medicare beneficiaries can find detailed coverage at better rates than before. The abundance of $0 premium options makes these plans available to eligible Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Amarillo, Grand Prairie, Brownsville, Killeen, and Denton Texans.
These top plans show impressive features. KelseyCare Advantage Freedom and Cigna Alliance Medicare stand out with 4.5-star ratings that show quality care and happy members. AARP’s Giveback plan puts $57 back in your pocket each month through Part B premium reduction. Devoted PREMIUM Greater Houston helps manage diabetes costs by limiting insulin to $35.
The best plan for you comes down to your specific needs.
PPO plans like Aetna Medicare Freedom let you choose your providers more freely, but might cost more out-of-pocket. HMO plans keep costs lower with reduced specialist copays and out-of-pocket maximums if you stay in network.
Here’s what matters most when you enroll:
Monthly premiums and possible Part B premium reductions
Maximum out-of-pocket limits to protect against high costs
Prescription drug coverage that matches your current medications
Extra benefits like dental, vision, hearing, and fitness programs
Service area rules that affect your coverage
Medicare choices might seem complex, but you have support.
O’Neal Insurance and James O’Neal, a licensed health insurance broker specialist, can help find your ideal plan. They provide free phone appointments, online consultations, and Zoom meetings.
Their expertise covers multiple states, including Texas, to guide you through this crucial choice.
Texas Medicare Advantage plans in 2025 bring great value and detailed coverage options.
The information here helps you pick a plan that protects both your health and finances during retirement.
Key Takeaways Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Amarillo, Grand Prairie, Brownsville, Killeen, and Denton Texas seniors have access to exceptional Medicare Advantage value in 2025, with 373 plans available statewide and average premiums dropping to just $6.81.
• All Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Laredo, Irving, Garland, Frisco, McKinney, Amarillo, Grand Prairie, Brownsville, Killeen, and Denton Texas Medicare beneficiaries now have access to $0 premium plans, making comprehensive healthcare coverage more affordable than ever.
• Top-rated plans like KelseyCare Advantage Freedom and Cigna Alliance Medicare earn 4.5-star ratings while offering $0 premiums and low out-of-pocket maximums.
• AARP’s Giveback plan provides a $57 monthly Part B premium reduction, effectively putting money back into your Social Security check.
• PPO plans offer greater provider flexibility for those willing to pay higher costs, while HMO plans provide lower copays within network restrictions.
• Additional benefits like dental allowances, fitness programs, transportation services, and insulin cost caps significantly enhance plan value beyond basic coverage.
When selecting your 2025 Medicare Advantage plan, prioritize matching your specific healthcare needs with plan benefits, considering factors like prescription drug coverage, provider networks, and maximum out-of-pocket limits to ensure optimal protection and value.
FAQs
Q1. What are the key differences between Medicare Advantage HMO and PPO plans in Texas? HMO plans generally have lower costs but require you to use in-network providers, while PPO plans offer more flexibility to see out-of-network providers at a higher cost. HMOs typically have lower specialist copays and out-of-pocket maximums, while PPOs provide greater provider choice.
Q2. How do $0 premium Medicare Advantage plans work in Texas? $0 premium plans still provide comprehensive coverage but have no additional monthly cost beyond your Part B premium. These plans often have higher copays or deductibles to offset the $0 premium. All Texas Medicare beneficiaries now have access to $0 premium options for 2025.
Q3. What extra benefits are commonly offered by Texas Medicare Advantage plans? Many plans offer dental, vision, and hearing coverage, fitness programs like SilverSneakers, transportation to medical appointments, over-the-counter allowances for health items, and meal delivery services after hospital stays. Some plans also include insulin cost caps and Part B premium reductions.
Q4. How important are star ratings when choosing a Medicare Advantage plan in Texas? Star ratings, ranging from 1 to 5, reflect a plan’s quality and performance. Higher-rated plans (4+ stars) generally indicate better member satisfaction and healthcare outcomes. While important, star ratings should be considered alongside other factors like costs, coverage, and network when selecting a plan.
Q5. Can I switch Medicare Advantage plans if I’m not satisfied with my current coverage in Texas? Yes, you can change plans during the Annual Enrollment Period (October 15 – December 7) each year. Additionally, you may qualify for a Special Enrollment Period to switch plans if you experience certain life events or move out of your plan’s service area.
References
[1] – https://www.medicareplans.com/best-medicare-advantage-plans/aetna-medicare-advantage-plans-review/
[2] – https://www.bcbstx.com/medicare/pdf/2023/mapd-sum-hmo-bas-hou-tx-2023.pdf
[3] – https://www.medicare.org/medicare-advantage-plans/plan/H4506-003-0/
[4] – https://www.uhc.com/medicare/health-plans/details.html/77418/015/H1278021000/2025
[5] – https://health.usnews.com/medicare/texas/devoted-health-devoted-premium-greater-houston-hmo–2-0-H7993
[6] – https://www.aarp.org/membership/benefits/insurance/uhc-medicare-advantage/
[7] – https://www.uhc.com/medicare/alphadog/AATX25LP0239931_001
[8] – https://www.medicare.org/medicare-advantage-plans/plan/H1278-021-0/
[9] – https://www.aetna.com/medicare/plan.H5521.230.html
[10] – https://www.nerdwallet.com/insurance/medicare/aetna-medicare-advantage-review
[11] – https://www.aetna.com/medicare.html
[12] – https://www.wellcare.com/en/texas/members/medicare-plans-2025/wellcare-texanplus-classic-simple-hmo-pos-003/coverage-information
[13] – https://content.medicareadvantage.com/2025/Wellcare-H4506-2025-TX-SB-HMAPD-155821E-M-SF20240924.pdf
[14] – https://www.wellcare.com/en/texas/members/medicare-plans-2025/wellcare-texanplus-classic-simple-hmo-pos-003
[15] – https://retiree.alight.com/find-plans/Wellcare-TexanPlus-Classic-Simple-HMO-POS&H4506:003-0
[16] – https://www.nerdwallet.com/insurance/medicare/blue-cross-blue-shield-medicare-advantage-review
[17] – https://www.healthline.com/health/medicare/blue-cross-medicare-advantage-plans
[18] – https://www.solace.health/articles/bcbs-medicare-advantage-cost-2025
