In Austin, Texas, there are 258,645 beneficiaries enrolled in Original Medicare Parts A and B. Out of those individuals, 97,167 enroll in a 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.

Supplemental Medicare Plans in Austin, Texas

Supplemental Medicare plans help beneficiaries reduce their Medicare costs by covering the expenses that Original Medicare Parts A and B do not.

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 all have a low monthly premium of $0, making them the cheapest plans 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 Medigap plans in Austin is Plan G, which has monthly premiums ranging between $95.85 and $419.40. Another top plan in the Austin area is Plan F, with its lowest monthly premium at $117.29 and its highest at $442.28.

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 in Austin, Texas

Medicare Part D plans provide coverage solely for prescription medications. Medigap plans do not 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 Plan in Austin, Texas

Beneficiaries with special needs or requirements, such as chronic disabilities, can enroll in a Medicare 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 will need to fill out the form and submit it to Medicare in Austin, Texas.

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 is essential to remember that Medicare Part B has a separate $170.10 per month premium. Medicare Part A does not have a monthly premium as long as you paid into Medicare for 10 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 15th to December 7th 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 1st to March 31st, 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 premium of $170.10 per month. In addition, some Medicare Advantage and MAPD plans are available with a $0 monthly premium.

How to Sign Up For Supplemental Medicare in Austin

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.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.