Where to start
This page lists every Medicare plan sold in El Paso County for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (34 plans)
- Part D drug plans (10 plans)
- Special needs plans (47 plans)
- Medicare Advantage without drug coverage (8 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to El Paso County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in El Paso County
At a glance
- 42 Medicare Advantage plans are open to anyone with Medicare here; 34 charge no monthly premium.
- 16 give back part of your Part B premium, up to $202 a month.
- The lowest yearly limit on what you pay for in-network care is $2,950.
- 10 Part D drug plans, from $5.30 to $199 a month.
Medicare Advantage plans with drug coverage 34
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED GIVEBACK 008 TX (HMO) Devoted Health · H7993-008-000 | HMO | $0/moGives back $202/mo of your Part B premium | $8,650 | 4.5★ |
| HealthSpring Preferred Extra Savings (HMO) HealthSpring · H4513-093-000 | HMO | $0/moGives back $180/mo of your Part B premium | $6,900 | 3.5★ |
| HumanaChoice Giveback H5216-433 (PPO) Humana · H5216-433-000 | PPO | $0/moGives back $161/mo of your Part B premium | $7,950 | 4.0★ |
| Alignment Health Smart 010 (HMO-POS) Alignment Health Plan · H5472-010-000 | HMO-POS | $0/moGives back $153.90/mo of your Part B premium | $6,450 | 4.5★ |
| HealthSpring Preferred Savings (HMO) HealthSpring · H4513-083-003 | HMO | $0/moGives back $133/mo of your Part B premium | $7,150 | 3.5★ |
| El Paso Health Giveback (HMO) El Paso Health Medicare Advantage · H3407-003-000 | HMO | $0/moGives back $128/mo of your Part B premium | $9,850 | 3.0★ |
| HumanaChoice Giveback H5216-350 (PPO) Humana · H5216-350-000 | PPO | $0/moGives back $121/mo of your Part B premium | $7,100 | 4.0★ |
| Humana Essentials Plus Giveback (PPO) Humana · H7617-041-000 | PPO | $0/moGives back $121/mo of your Part B premium | $7,100 | 4.5★ |
| Alignment Health Smart 003 (HMO-POS) Alignment Health Plan · H5472-003-000 | HMO-POS | $0/moGives back $109/mo of your Part B premium | $6,450 | 4.5★ |
| DEVOTED GIVEBACK EXTRAS 113 TX (HMO) Devoted Health · H7993-113-000 | HMO | $0/moGives back $70/mo of your Part B premium | $5,700 | 4.5★ |
| AARP Medicare Advantage Giveback from UHC EP-2 (PPO) UnitedHealthcare · H2406-119-000 | PPO | $0/moGives back $67/mo of your Part B premium | $9,850 | 4.0★ |
| Humana Gold Plus H0028-035 (HMO) Humana · H0028-035-000 | HMO | $0/mo | $3,350 | 4.5★ |
| Wellcare Simple (HMO) Wellcare · H0174-016-000 | HMO | $0/mo | $3,900 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC EP-1 (PPO) UnitedHealthcare · H2406-039-000 | PPO | $0/mo | $4,450 | 4.0★ |
| AARP Medicare Advantage Extras from UHC EP-3 (PPO) UnitedHealthcare · H2406-121-000 | PPO | $0/mo | $5,900 | 4.0★ |
| Wellpoint Medicare Advantage 2 (HMO-POS) Wellpoint · H2593-029-000 | HMO-POS | $0/mo | $9,850 | 3.0★ |
| El Paso Health Total (HMO) El Paso Health Medicare Advantage · H3407-002-000 | HMO | $0/mo | $5,600 | 3.0★ |
| Humana Gold Plus H4461-061 (HMO) Humana · H4461-061-000 | HMO | $0/mo | $3,350 | 4.5★ |
| HealthSpring Preferred (HMO) HealthSpring · H4513-061-003 | HMO | $0/mo | $4,450 | 3.5★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H4523-042-000 | HMO | $0/mo | $7,150 | 3.0★ |
| AARP Medicare Advantage from UHC TX-0013 (HMO-POS) UnitedHealthcare · H4527-005-000 | HMO-POS | $0/mo | $4,200 | 4.0★ |
| Alignment Health ONE + Walgreens 001 (HMO-POS) Alignment Health Plan · H5472-001-000 | HMO-POS | $0/mo | $2,950 | 4.5★ |
| HumanaChoice H7617-063 (PPO) Humana · H7617-063-000 | PPO | $0/mo | $4,500 | 4.5★ |
| HealthSpring True Choice (PPO) HealthSpring · H7849-154-000 | PPO | $0/mo | $6,800 | 3.0★ |
| DEVOTED CORE 007 TX (HMO) Devoted Health · H7993-007-000 | HMO | $0/mo | $3,450 | 4.5★ |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · H8332-004-000 | HMO | $0/mo | $4,450 | Not yet rated |
| HumanaChoice H5216-043 (PPO) Humana · H5216-043-001 | PPO | $20/mo | $7,700 | 4.0★ |
| HumanaChoice H7617-059 (PPO) Humana · H7617-059-000 | PPO | $23/mo | $7,700 | 4.5★ |
| Humana Gold Plus H4461-053 (HMO) Humana · H4461-053-000 | HMO | $24/mo | $3,400 | 4.5★ |
| HumanaChoice R4182-004 (Regional PPO) Humana · R4182-004-000 | Regional PPO | $46/mo | $8,200 | 3.5★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H3288-007-000 | PPO | $55/mo | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC EP-4 (PPO) UnitedHealthcare · H2406-135-000 | PPO | $66/mo | $4,200 | 4.0★ |
| HumanaChoice R4182-003 (Regional PPO) Humana · R4182-003-000 | Regional PPO | $100/mo | $8,200 | 3.5★ |
| AARP Medicare Advantage from UHC TX-61 (Regional PPO) UnitedHealthcare · R6801-012-000 | Regional PPO | $138/mo | $9,850 | 3.0★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Texas.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-155-000 | $5.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-143-000 | $6.30/mo | $700 | 4.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-013-000 | $7.30/mo | $700 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-201-000 | $33.20/mo | $687 | 4.5★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-014-000 | $98/mo | $700 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-044-000 | $111.40/mo | $700 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-367-000 | $115.70/mo | $700 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-168-000 | $137.50/mo | $350 | 4.5★ |
| HealthSpring Extra RX (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-005-000 | $164.70/mo | $700 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-403-000 | $199/mo | $300 | 3★ |
Special needs plans 47
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| DEVOTED C-SNP GIVEBACK EXTRAS 086 TX (HMO C-SNP) Devoted Health · H7993-086-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $202/mo of your Part B premium | $8,650 | 4.5★ |
| DEVOTED C-SNP 027 TX (HMO C-SNP) Devoted Health · H7993-027-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $1/mo of your Part B premium | $3,750 | 4.5★ |
| Humana Gold Plus SNP-DE H0028-036 (HMO D-SNP) Humana · H0028-036-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H0028-039-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,450 | 4.5★ |
| Wellcare Superior HealthPlan Dual Reserve Value (HMO D-SNP) Wellcare · H0062-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Wellcare Superior HealthPlan Dual Access (HMO D-SNP) Wellcare · H0174-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellcare Superior HealthPlan Dual Reserve (HMO D-SNP) Wellcare · H0174-022-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $3,450 | 3.5★ |
| Wellcare Superior HealthPlan Dual Liberty (HMO D-SNP) Wellcare · H0174-027-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| UHC Dual Complete TX-Q5 (PPO D-SNP) UnitedHealthcare · H2406-050-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint · H2593-031-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $9,850 | 3.0★ |
| ProCare Advantage (HMO-POS I-SNP) ProCare Advantage · H3467-001-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $9,850 | Not yet rated |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H4461-066-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,450 | 4.5★ |
| Humana Gold Plus SNP-DE H4461-069 (HMO D-SNP) Humana · H4461-069-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Humana Gold Plus SNP-DE H4461-070 (HMO D-SNP) Humana · H4461-070-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H4461-085-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · H4513-060-003 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · H4513-104-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Aetna Medicare Full Dual Extra Care (HMO D-SNP) Aetna Medicare · H4523-034-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare QMB Only Extra Care (HMO D-SNP) Aetna Medicare · H4523-041-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare · H4523-048-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 3.0★ |
| UHC Dual Advantage TX-V2 (HMO-POS D-SNP) UnitedHealthcare · H4527-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $5,900 | 4.0★ |
| UHC Complete Care TX-17 (HMO-POS C-SNP) UnitedHealthcare · H4527-040-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,200 | 4.0★ |
| UHC Dual Complete TX-Q2 (HMO-POS D-SNP) UnitedHealthcare · H4527-057-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| UHC Dual Complete TX-S4 (HMO-POS D-SNP) UnitedHealthcare · H4527-060-002 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| UHC Complete Care Support TX-2A (HMO-POS C-SNP) UnitedHealthcare · H4527-061-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.0★ |
| Humana Together in Health (PPO I-SNP) Humana · H5216-369-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $9,850 | 4.0★ |
| Alignment Health Heart & Diabetes 002 (HMO-POS C-SNP) Alignment Health Plan · H5472-002-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,190 | 4.5★ |
| Humana Together in Health (PPO I-SNP) Humana · H7617-138-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $9,850 | 4.5★ |
| DEVOTED DUAL 017 TX (HMO D-SNP) Devoted Health · H7993-017-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| DEVOTED C-SNP ENHANCED 028 TX (HMO C-SNP) Devoted Health · H7993-028-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,250 | 4.5★ |
| DEVOTED C-SNP PLUS 029 TX (HMO C-SNP) Devoted Health · H7993-029-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| DEVOTED DUAL FULL 038 TX (HMO D-SNP) Devoted Health · H7993-038-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare · H8597-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Aetna Medicare QMB Only Care (HMO D-SNP) Aetna Medicare · H8597-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint · H8849-027-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Dual Advantage Plus (HMO D-SNP) Wellpoint · H8849-028-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Dual Advantage (HMO D-SNP) Wellpoint · H8849-030-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| UHC Dual Complete TX-S001 (Regional PPO D-SNP) UnitedHealthcare · R6801-011-000 | Regional PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| El Paso Health Medicare Advantage Dual (HMO D-SNP) El Paso Health Medicare Advantage · H3407-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $6.30/mo | $9,550 | 3.0★ |
| El Paso Health Medicare Align (HMO D-SNP) El Paso Health Medicare Advantage · H3407-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $6.30/mo | $9,550 | 3.0★ |
| Provider Partners Texas Advantage Plan (HMO I-SNP) Provider Partners Health Plans · H4054-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $6.30/mo | $9,850 | 4.0★ |
| Alignment Health Heart & Diabetes Plus 004 (HMO-POS C-SNP) Alignment Health Plan · H5472-004-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $6.30/mo | $9,850 | 4.5★ |
| Alignment Health Duals+ 007 (HMO-POS D-SNP) Alignment Health Plan · H5472-007-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $6.30/mo | $2,900 | 4.5★ |
| Alignment Health Duals+ 009 (HMO-POS D-SNP) Alignment Health Plan · H5472-009-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $6.30/mo | $9,850 | 4.5★ |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Texas, Inc. · H6515-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $6.30/mo | $9,850 | Not yet rated |
| Wellpoint Chronic Care Advantage (HMO C-SNP) Wellpoint · H8849-031-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $6.30/mo | $9,850 | 3.5★ |
| UHC Complete Care TX-29 (Regional PPO C-SNP) UnitedHealthcare · R6801-009-000 | Regional PPO | Only for people with certain chronic conditionsDiabetes, Heart | $100/mo | $9,850 | 3.0★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: BSHS Part D, Dual Eligibles (PACE), BSHS Part D, Medicare Only (PACE).
Medicare Advantage plans without drug coverage 8
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · H5216-348-000 | PPO | $0/moGives back $135/mo of your Part B premium | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-062-000 | PPO | $0/moGives back $135/mo of your Part B premium | $7,900 | 4.5★ |
| HealthSpring Courage (HMO) HealthSpring · H4513-009-000 | HMO | $0/moGives back $120/mo of your Part B premium | $4,300 | 3.5★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H3288-051-000 | PPO | $0/moGives back $110/mo of your Part B premium | $4,900 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS) UnitedHealthcare · H4527-024-000 | HMO-POS | $0/moGives back $80/mo of your Part B premium | $7,150 | 4.0★ |
| Wellcare Patriot Simple (HMO) Wellcare · H5294-014-000 | HMO | $0/mo | $3,400 | 3.5★ |
| Humana Gold Choice H8145-126 (PFFS) Humana · H8145-126-000 | PFFS | $0/mo | $9,850 | 4.0★ |
| HumanaChoice R4182-001 (Regional PPO) Humana · R4182-001-000 | Regional PPO | $0/mo | $6,000 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $141–$845/mo from 34 companies, at age 65.
- Plan N: $106–$684/mo from 31 companies, at age 65.
Discussion
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