In Austin, Texas, there are 258,645 beneficiaries enrolled in Original Medicare Parts A and B. Out of those individuals, 97,167 enroll in an Austin Texas Medicare Advantage program, with their average age being 72 years old. Additionally, 53.78% of individuals enrolled in Medicare in Austin are female, while 46.22% are male.
Medicare plans in Austin, Texas
Supplemental Medicare plans help beneficiaries reduce their Medicare costs by covering the expenses that Autin, Texas Original Medicare Parts A and B don’t.
The following quotes reflect the premiums and advantages of a 70-year-old female beneficiary.
Cheapest Medicare Advantage plans in Austin, Texas
Around 37.57% of Medicare beneficiaries participate in a Medicare Advantage plan in Austin, Texas. The number of available MA plans changes every year. However, 2022 has more available plans than ever, with 39 Medicare Advantage plans.
The MA plans listed below have a low monthly premium of $0, making them the cheapest in Austin. Imperial’s MA plan is an HMO with a maximum out-of-pocket (MOOP) cost of $2,999.
Ascension complete has the lowest MOOP at $2,900. However, the UnitedHealthcare MA plan has a four out of five-star rating and a MOOP of $5,500.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Imperial | $0 | $2,999 | HMO | N/A |
| UnitedHealthcare | $0 | $5,500 | HMO-POS | 4 |
| Ascension Complete | $0 | $2,900 | HMO | N/A |
| Wellcare | $0 | $4,000 | HMO | 3 |
| Aetna | $0 | $5,900 | HMO | 3 |
Affordable Medicare Supplement plans in Austin, Texas
Medicare Supplements work by covering the costs that Original Medicare does not, such as copays and deductibles. Unlike MA plans, the benefits for Medicare Supplements, or Medigap plans, remain the same in every state and carrier.
One of the top Medicare Supplement plans in Austin, Texas, is Plan G, which has monthly premiums starting at $95.85. Another top plan in the Austin area is Plan F, whose lowest monthly premium is $117.29.
Plan HDG is also a widely used Medigap plan with lower monthly premiums between $44.82 and $75.53. However, it has a higher deductible.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $94.89 | $603.62 |
| PLAN B | $116.95 | $311.12 |
| PLAN C | $126.09 | $385.21 |
| PLAN D | $118.33 | $268.13 |
| PLAN F | $117.29 | $442.28 |
| PLAN HDF | $37.08 | $80.95 |
| PLAN G | $95.85 | $419.40 |
| PLAN HDG | $33.82 | $75.53 |
| PLAN K | $51.33 | $149.00 |
| PLAN L | $64.75 | $224.87 |
| PLAN M | $75.02 | $75.02 |
| PLAN N | $77.15 | $400.41 |
Average Medicare Part D prescription drug plans
Austin, Texas, Medicare Part D plans to provide coverage solely for prescription medications. Medigap plans don’t include prescription drug coverage. However, some Medicare Advantage plans include prescription drug coverage (MAPD plans).
Aetna offers the lowest monthly premium at $6.90 with a three-star rating. Wellcare also has a three-star rating with a low monthly premium of $12.90.
Humana has the highest star rating, with four out of five stars and a premium of $22.70 per month. Star ratings indicate the overall effectiveness of the plan.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.90 | $480.00 | 3 |
| Wellcare | $12.90 | $480.00 | 3 |
| Clear Spring Health | $17.70 | $480.00 | 2 |
| Humana | $22.70 | $480.00 | 4 |
| Cigna | $23.10 | $480.00 | 3 |
Medicare Special Needs plans
Beneficiaries with special needs or requirements, such as chronic disabilities, can enroll in an Austin Texas Medicare Advantage subset called Special Needs Plans (SNPs).
Dual-eligible beneficiaries can enroll in Imperial (HMO) with a $2,999 MOOP. Additionally, dual-eligible people can enroll in Wellcare, a local PPO with a MOOP of $3,450.
Those who want to enroll in a regional PPO should consider UnitedHealthcare. The UnitedHealthcare SNP has a MOOP of $7,550 and is available to those with chronic or disabling conditions.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Imperial | $0 | $2,999 | HMO | Dual |
| Amerigroup | $0 | $3,400 | HMO | Chronic or Disabling |
| UnitedHealthcare | $0 | $7,550 | REGIONAL PPO | Chronic or Disabling |
| Aetna | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,450 | LOCAL PPO | Dual |
FAQs
Where Do I Sign Up for Medicare in Austin?
Most beneficiaries automatically enroll in Medicare Part A when they turn 65. To enroll in Part B, you contact Social Security and apply online, in person, or over the phone.
How Much Does a Medicare Advantage Plan Cost in Austin, TX?
The cost of a Medicare Advantage plan varies depending on the ZIP code. However, MA plans have monthly premiums that range between $0 and $215.40.
It’s essential to remember that Medicare Part B has a separate $164.90 per month premium. Medicare Part A does not have a monthly premium as long as you have paid into Medicare for ten years.
Can You Switch Back and Forth Between Medicare and Medicare Advantage in Austin, TX?
If you enroll in a Medicare Advantage plan for less than a year, you can disenroll under your “trial right.” Otherwise, you can adjust your Medicare coverage during the OEP or AEP.
The Open Enrollment Period (OEP) is from October 15 to December 7 and allows Medicare beneficiaries to change their coverage by enrolling in a new plan or dropping their current one.
The Medicare Advantage Open Enrollment Period (MAOEP) lasts from January 1 to March 31, during which time you can drop your MA plan and return to your Original Medicare.
Which Company Has the Best Medicare Advantage Plan in Austin, TX?
Many beneficiaries enroll in MA plans with Humana, Aetna, UnitedHealthcare, and Amerigroup in Austin. To determine which company has the best plan for you, compare the various benefits and consider whether or not you need a plan with drug coverage and what monthly premium you are comfortable paying.
What Parts of Medicare Are Free in Austin, TX?
Medicare Part A has a $0 monthly premium. However, Medicare Part B has a monthly premium of $164.90. In addition, some Medicare Advantage and MAPD plans are available with a $0 monthly premium.
How to sign up For Medicare plans in Austin, Texas
Finding the right Supplement for Medicare in Austin, Texas, doesn’t have to be complicated. We can help you compare rates from all top carriers to find a plan that works best for you. Give us a call or fill out the form to get started.
