There are 476,878 people enrolled in Medicare in San Antonio, Texas. Among those beneficiaries, 257,185 are enrolled in Original Fee-for-Service Medicare, while 219,693 (46.07%) rely on Medicare Advantage. We detail the various Medicare plans available in San Antonio, TX.

Medicare plans in San Antonio, Texas

San Antonio, Texas residents on Original Medicare can benefit from a supplemental Medicare plan to cover additional medical expenses. Medigap and Medicare Advantage are available for the area’s beneficiaries. In San Antonio, the average enrollees are 65-year-old females, coming in at 53.52% versus 46.48% of San Antonio males.

Medicare Advantage plans

San Antonio has a 46.07% Medicare Advantage participation rate, totaling 219,693 people. Medicare Advantage plans are abundant in Bexar County. There are 56 different Medicare Advantage plans in San Antonio, Texas—significantly more than in previous years.

Popular Medicare plans in San Antonio, Texas, include UnitedHealthcare (HMO) with a five-star rating and only $3,900 maximum out-of-pocket costs. Many people select UnitedHealthcare for its $0 premium and generous additional benefits.

BCBS of Texas (Local PPO) also offers a $0 premium but is unrated. The $6,400 MOOP and a trusted name like Blue Cross Blue Shield puts confidence in beneficiaries. Prescription drug coverage and copayment coverage are clear advantages.

Cigna (HMO) features a four-star rating. With bundled coverage, you get additional services at no cost. Its $4,300 MOOP is also reasonable compared to other plans.

The average costs of Medicare Advantage plans in San Antonio, Texas

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $3,900 HMO 5
BCBS of Texas $0 $6,400 LOCAL PPO N/A
Aetna $0 $7,550 LOCAL PPO 3
Cigna $0 $4,300 HMO 4
Clover $0 $7,550 LOCAL PPO 3

Medicare Supplement plans

Medigap, or Medicare Supplement plans, are policies that provide extra insurance. The plans cover expenses that Medicare doesn’t pay so you don’t have to. All Medigap plans are the same in every state, but the monthly premium varies.

The top Medicare Supplement plan for San Antonio, Texas residents is Medigap Plan G. The lowest premium for this plan is $104.97, while the highest is $419.40. This plan is popular because there is no out-of-pocket limit.

Medigap Plan HDG offers the lowest premium of all plans, at $31.82. The highest premium is $71.01. It provides the same benefits as Plan G but includes a high deductible for Part B services and features lower premiums.

Medigap Plan F is another plan patients commonly choose. The low premium is $116.92 and can reach up to $442.28. Full coverage for Part A and B deductibles and excess charges make it a go-to choice.

The average costs of Medicare Supplement plans in San Antonio, Texas

PLAN A $100.82 $603.62
PLAN B $121.20 $311.12
PLAN C $129.25 $381.25
PLAN D $121.92 $241.35
PLAN F $116.92 $442.28
PLAN HDF $37.00 $76.12
PLAN G $104.97 $419.40
PLAN HDG $31.82 $71.01
PLAN K $50.76 $127.75
PLAN L $67.67 $224.87
PLAN M $76.91 $76.91
PLAN N $77.31 $400.41

Medicare Part D prescription drug plans

Not all Medicare San Antonio, Texas, plans offer Part D benefits. Part D plans cover the high costs of prescription drugs. Unfortunately, Medigap plans don’t cover prescriptions, but specific Medicare Advantage plans may.

The cheapest plans include Aetna, with only a $6.90 premium but a reasonable three-star rating. Humana is the best-rated plan, with a four-star rating and a $22.70 premium.

All Part D plans require a $480 deductible. Wellcare is another reliable option with a $12.90 premium. Let us help you navigate the top Part D plans.

The average costs of Medicare Part D plans in San Antonio, Texas

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

Special Needs plans

Medicare Special Needs Plans are Medicare Advantage plans tailored to people with special needs. Those with chronic disabilities or diseases are eligible.

Imperial (HMO) requires dual eligibility but offers a $2,999 MOOP. Humana (HMO) requires chronic or disabling conditions for eligibility and a $4,440 MOOP. UnitedHealthcare (HMO)’s $0 premium and $3,900 MOOP is reasonable.

The average costs of Medicare Special Needs plans in San Antonio, Texas

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $4,440 HMO Chronic or Disabling
Amerigroup $0 $3,400 HMO Chronic or Disabling
Devoted Health $0 $3,400 HMO Chronic or Disabling
Imperial $0 $2,999 HMO Dual
UnitedHealthcare $0 $3,900 HMO Chronic or Disabling

How to sign up for Medicare plans in San Antonio

Medigap offers free services and works with all carriers. Contact our experts to learn how to sign up for supplemental Medicare in San Antonio, Texas, and get rates. You can give us a call or complete our online rate form.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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 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.