Houston, Texas, has 919,547 Medicare beneficiaries enrolled in either an Original Medicare plan or a Medicare Advantage plan. In this group, 460,615 enrollees have Original Medicare, and 458,932, or 49.91%, have Medicare Advantage. Let’s explore the supplemental plans available for Medicare in Houston, Texas.

Supplemental Medicare Plans in Houston, Texas

Supplemental Medicare plans offer many benefits to Medicare beneficiaries. First, choose between Medigap or Medicare Advantage plans to supplement Part A and Part B. These plans help pay for costs Medicare does not cover. In Houston, there are 46.08% male and 53.92% female enrollees with an average age of 72.

Cheapest Medicare Advantage Plans in Houston, Texas

Medicare Advantage plans are quite popular. In Houston, 458,932 beneficiaries have Medicare Advantage plans. People residing in Harris County can choose from over 69 plans.

UnitedHealthcare HMO-POS plans have zero monthly premiums, a maximum out-of-pocket (MOOP) rate of $3,900, and a four-star rating. These plans combine features of both HMO and PPOs, making them a versatile choice.

Imperial HMO plans have zero monthly premiums with a MOOP rate of $3,400. Imperial plans offer services for patients that require Special Needs Plans (SNPs).

Cigna HMO plans have zero monthly premiums, a MOOP rate of $4,300, and a four-star rating. Cigna lets you choose from a local network of doctors and hospitals.

Another option is KelseyCare’s HMO plans with zero monthly premiums, a MOOP rate of $3,450, and a five-star rating. These plans let you visit contracted providers and services without a referral.

Lastly, Humana Regional PPO plans allow you to visit any Medicare-approved doctor. Besides the zero monthly premium, this plan has a MOOP rate of $5,700 and a four-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $3,900 HMOPOS 4
Imperial $0 $3,400 HMO N/A
Cigna $0 $4,300 HMO 4
KelseyCare $0 $3,450 HMO 5
Humana $0 $5,700 REGIONAL PPO 4

Affordable Medicare Supplement Plans in Houston, Texas

Medicare supplement plans cover out-of-pocket expenses or gaps in Medicare coverage. Plan benefits for Medicare in Houston, Texas, remain the same in all states.

Plan G is a popular Medicare supplement plan that ranges from $133.30 to $533.12 monthly. This plan covers 100% of Medicare Part A and B costs except for the Part B deductible.

Another choice is the Plan HDG. This plan is available for $38.50 to $85.63. Compared to Plan G, HDG has lower premiums but higher deductibles.

Lastly, you can select Plan F. This plan ranges from $152.86 to $562.15. Plan F also offers coverage for foreign travel emergencies and skilled nursing facility coinsurance.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $133.20 $748.75
PLAN B $155.99 $386.50
PLAN C $158.23 $473.12
PLAN D $147.90 $243.00
PLAN F $152.86 $562.15
PLAN HDF $42.00 $91.79
PLAN G $133.30 $533.12
PLAN HDG $38.50 $85.63
PLAN K $63.27 $158.50
PLAN L $87.50 $280.00
PLAN M $94.15 $94.15
PLAN N $101.07 $509.05

Average Medicare Part D in Houston, Texas

Medicare Part D is a prescription medicine plan that is separate from Medicare. After you enroll in Medicare, we recommend enrolling in a prescription medicine plan. Many Medicare Advantage plans cover prescription medicines.

Wellcare’s plan costs $12.90 per month with a deductible of $480 and has a three-star rating. The Clear Spring Health plan has a monthly premium of $17.70, a deductible of $480, and a two-star rating. For Cigna, the monthly premium is $23.10, with a $480 deductible and a three-star rating.

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 in Houston, Texas

Patients with special needs can join Special Needs Plans (SNPs) through Medicare Advantage. These plans are highly beneficial for individuals with chronic disabilities. Patients with disabilities may qualify for Medicare earlier.

UnitedHealthcare HMO-POS plans include chronic or disabling conditions with no monthly premiums and a MOOP of $3,900. Another option is Memorial Herman’s HMO, which has zero premiums with a MOOP rate of $7,550 and dual eligibility. Lastly, the Aetna HMO charges no monthly premiums with a MOOP rate of $7,550 and dual eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
Memorial Herman $0 $7,550 HMO Dual
Molina Healthcare $0 $7,550 HMO Dual
UnitedHealthcare $0 $3,900 HMO-POS Chronic or Disabling
Aetna $0 $7,550 HMO Dual
Humana $0 $7,550 HMO Dual

FAQs

How do I apply for Medicare in Houston, TX?

Applying for Medicare in Houston, Texas, is easy. Visit your local Social Security office or apply online or by telephone. Auto-enrollment is available for Social Security and Railroad Retirement Board beneficiaries. Additionally, HealthMarkets can assist you by exploring all the Medicare plans that match your needs.

Which Medicare Advantage plans have five stars in Houston, TX?

KelseyCare Advantage in Houston, TX, is one of three Medicare Advantage plans nationwide to have received a five-star rating for five consecutive years.

Which is the most popular Medicare plan in Houston, Texas?

Aetna is the most popular Medicare plan in Houston. Aetna offers a wide range of benefits, with many plans including vision, dental, and hearing coverage. Moreover, Aetna offers low-cost Medicare Advantage plans.

Who can I talk to about Medicare in Houston, TX?

Medicare assistance is available. Texas provides Medicare support through the Texas Medical Foundation Health Quality Institute and the Texas Health and Human Services Commission (HHSC). You may call 2-1-1 to find out about local health and services.

How much is a Medicare supplement per month in Houston, TX?

Plan prices vary, so it is smart to shop around for the most suitable plan. The lowest monthly cost for a 65-year-old female on Plan F is $146.50, while the highest monthly cost is $399.25. These costs exclude discounts and apply to a non-smoker. Read the 8 Factors That Can Impact Your Medigap Rates.

How to Sign Up for Supplemental Medicare in Houston, TX

Let us help you find the Medicare supplement plan that is right for you. We work with all carriers and compare plans to find the best one for you. Get in touch with us by phone or complete our rate form to get rates for Medicare in Houston, Texas.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.