Where to start
This page lists every Medicare plan sold in Harris 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 (41 plans)
- Part D drug plans (10 plans)
- Special needs plans (50 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 Harris 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 Harris County
At a glance
- 49 Medicare Advantage plans are open to anyone with Medicare here; 41 charge no monthly premium.
- 11 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 $1,500.
- 10 Part D drug plans, from $5.30 to $199 a month.
Medicare Advantage plans with drug coverage 41
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 006 TX (HMO) Devoted Health · H7993-006-000 | HMO | $0/moGives back $202/mo of your Part B premium | $8,300 | 4.5★ |
| HealthSpring Preferred Extra Savings (HMO) HealthSpring · H4513-091-000 | HMO | $0/moGives back $176/mo of your Part B premium | $7,500 | 3.5★ |
| HealthSpring Preferred Savings (HMO) HealthSpring · H4513-083-001 | HMO | $0/moGives back $124/mo of your Part B premium | $7,200 | 3.5★ |
| HumanaChoice Giveback H5216-358 (PPO) Humana · H5216-358-000 | PPO | $0/moGives back $81/mo of your Part B premium | $8,300 | 4.0★ |
| Humana Essentials Plus Giveback (PPO) Humana · H7617-035-000 | PPO | $0/moGives back $81/mo of your Part B premium | $8,300 | 4.5★ |
| DEVOTED GIVEBACK EXTRAS 114 TX (HMO) Devoted Health · H7993-114-000 | HMO | $0/moGives back $70/mo of your Part B premium | $5,600 | 4.5★ |
| Humana Gold Plus H0028-042 (HMO) Humana · H0028-042-000 | HMO | $0/mo | $3,950 | 4.5★ |
| Humana Gold Plus H0028-072 (HMO) Humana · H0028-072-000 | HMO | $0/mo | $3,950 | 4.5★ |
| Wellcare Simple (HMO) Wellcare · H0174-010-000 | HMO | $0/mo | $3,500 | 3.5★ |
| KelseyCare Advantage Freedom (HMO-POS) KelseyCare Advantage · H0332-004-000 | HMO-POS | $0/mo | $6,850 | 4.5★ |
| KelseyCare Advantage Signature (HMO) KelseyCare Advantage · H0332-009-000 | HMO | $0/mo | $4,150 | 4.5★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H2293-016-000 | PPO | $0/mo | $7,150 | 3.5★ |
| Wellpoint Medicare Advantage 2 (HMO-POS) Wellpoint · H2593-029-000 | HMO-POS | $0/mo | $9,850 | 3.0★ |
| Humana Total Complete (HMO) Humana · H4461-049-000 | HMO | $0/mo | $3,950 | 4.5★ |
| Humana Total Complete (HMO) Humana · H4461-057-000 | HMO | $0/mo | $3,950 | 4.5★ |
| Wellcare TexanPlus Classic Simple (HMO-POS) Wellcare · H4506-003-000 | HMO-POS | $0/mo | $3,400 | 4.0★ |
| HealthSpring Preferred (HMO) HealthSpring · H4513-061-001 | HMO | $0/mo | $4,000 | 3.5★ |
| HealthSpring Alliance (HMO) HealthSpring · H4513-064-000 | HMO | $0/mo | $3,600 | 3.5★ |
| AARP Medicare Advantage from UHC TX-0009 (HMO-POS) UnitedHealthcare · H4514-007-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| AARP Medicare Advantage from UHC TX-001P (HMO-POS) UnitedHealthcare · H4514-014-000 | HMO-POS | $0/mo | $4,900 | 4.0★ |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · H4523-015-000 | HMO | $0/mo | $7,150 | 3.0★ |
| Aetna Medicare Prime Care (HMO) Aetna Medicare · H4523-024-000 | HMO | $0/mo | $4,450 | 3.0★ |
| AARP Medicare Advantage from UHC TX-0015 (HMO-POS) UnitedHealthcare · H4527-037-000 | HMO-POS | $0/mo | $6,900 | 4.0★ |
| Verda Noble Care (HMO) Verda Health Plan of Texas · H5163-001-000 | HMO | $0/mo | $1,599 | 2.0★ |
| HumanaChoice H5216-043 (PPO) Humana · H5216-043-006 | PPO | $0/mo | $6,800 | 4.0★ |
| MedCare Classic (HMO) MedCare Partners Health Plan of Texas · H5767-001-000 | HMO | $0/mo | $1,500 | Not yet rated |
| Humana Value Choice (PPO) Humana · H7617-057-000 | PPO | $0/mo | $6,800 | 4.5★ |
| HealthSpring True Choice (PPO) HealthSpring · H7849-154-000 | PPO | $0/mo | $6,800 | 3.0★ |
| DEVOTED CORE 001 TX (HMO) Devoted Health · H7993-001-000 | HMO | $0/mo | $3,700 | 4.5★ |
| DEVOTED CORE 019 TX (HMO) Devoted Health · H7993-019-000 | HMO | $0/mo | $3,650 | 4.5★ |
| Wellpoint Medicare Advantage Select 1 (HMO-POS) Wellpoint · H8849-009-000 | HMO-POS | $0/mo | $4,450 | 3.5★ |
| SCAN Classic Texas (HMO) SCAN Health Plan · H8902-010-000 | HMO | $0/mo | $2,900 | Not yet rated |
| SCAN Walmart Health Advantage (HMO) SCAN Health Plan · H8902-012-000 | HMO | $0/mo | $3,500 | Not yet rated |
| DEVOTED PREMIUM 002 TX (HMO) Devoted Health · H7993-002-000 | HMO | $5/mo | $4,150 | 4.5★ |
| Aetna Medicare Value Plus (PPO) Aetna Medicare · H3288-003-000 | PPO | $6.30/mo | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC TX-4P (HMO-POS) UnitedHealthcare · H4514-022-000 | HMO-POS | $36/mo | $3,900 | 4.0★ |
| HumanaChoice R4182-004 (Regional PPO) Humana · R4182-004-000 | Regional PPO | $46/mo | $8,200 | 3.5★ |
| HumanaChoice H5216-042 (PPO) Humana · H5216-042-000 | PPO | $62/mo | $6,750 | 4.0★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H3288-047-000 | PPO | $65/mo | $9,850 | 3.5★ |
| 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 50
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 087 TX (HMO C-SNP) Devoted Health · H7993-087-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $90/mo of your Part B premium | $5,600 | 4.5★ |
| Humana Gold Plus SNP-DE H0028-032 (HMO D-SNP) Humana · H0028-032-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| 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★ |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint · H2593-043-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $2,900 | 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 |
| ProCare Advantage - Kidney Care (HMO-POS C-SNP) ProCare Advantage · H3467-002-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $9,850 | Not yet rated |
| ProCare Advantage - Diabetes Care Management (HMO-POS C-SNP) ProCare Advantage · H3467-005-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes | $0/mo | $3,400 | Not yet rated |
| UHC Dual Complete TX-Y1 (HMO-POS D-SNP) UnitedHealthcare · H3868-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| UHC Dual Complete TX-Q6 (HMO-POS D-SNP) UnitedHealthcare · H3868-003-003 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H4461-067-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,950 | 4.5★ |
| Humana Gold Plus SNP-DE H4461-071 (HMO D-SNP) Humana · H4461-071-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Humana Gold Plus SNP-DE H4461-072 (HMO D-SNP) Humana · H4461-072-000 | 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 · H4513-060-001 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · H4513-105-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| UHC Complete Care TX-2P (HMO-POS C-SNP) UnitedHealthcare · H4514-015-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,200 | 4.0★ |
| Aetna Medicare Full Dual Extra Care (HMO D-SNP) Aetna Medicare · H4523-029-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · H4523-037-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $7,150 | 3.0★ |
| Aetna Medicare QMB Only Extra Care (HMO D-SNP) Aetna Medicare · H4523-043-000 | 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 · H4523-049-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 3.0★ |
| Verda Noble Chronic Care (HMO C-SNP) Verda Health Plan of Texas · H5163-002-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $999 | 2.0★ |
| 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★ |
| MedCare Focus (HMO C-SNP) MedCare Partners Health Plan of Texas · H5767-002-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $900 | Not yet rated |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of Texas, Inc. · H6515-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| 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 010 TX (HMO D-SNP) Devoted Health · H7993-010-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| DEVOTED C-SNP ENHANCED 030 TX (HMO C-SNP) Devoted Health · H7993-030-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,450 | 4.5★ |
| DEVOTED C-SNP PLUS 031 TX (HMO C-SNP) Devoted Health · H7993-031-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| DEVOTED DUAL FULL 040 TX (HMO D-SNP) Devoted Health · H7993-040-000 | 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 · H8597-003-000 | 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 · H8597-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Chronic Care Select (HMO-POS C-SNP) Wellpoint · H8849-003-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,900 | 3.5★ |
| Wellpoint Lung Care Select (HMO-POS C-SNP) Wellpoint · H8849-005-000 | HMO-POS | Only for people with certain chronic conditionsLung | $0/mo | $3,900 | 3.5★ |
| Wellpoint Full Dual Advantage Select (HMO D-SNP) Wellpoint · H8849-022-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Dual Advantage Plus Select (HMO D-SNP) Wellpoint · H8849-024-001 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellpoint Dual Advantage Select (HMO D-SNP) Wellpoint · H8849-025-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| SCAN Balance Texas (HMO C-SNP) SCAN Health Plan · H8902-002-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,000 | Not yet rated |
| Community DualCare Aligned (HMO D-SNP) Community Health Choice · H9826-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| Community DualCare Access (HMO D-SNP) Community Health Choice · H9826-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | Not yet rated |
| 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★ |
| Texas Independence Health Plan, Inc. (HMO I-SNP) Texas Independence Health Plan · H5015-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $3.90/mo | $9,250 | 4.5★ |
| MedCare Choice (HMO C-SNP) MedCare Partners Health Plan of Texas · H5767-003-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $6/mo | $9,850 | Not yet rated |
| UHC Nursing Home Plan TX-F001 (PPO I-SNP) UnitedHealthcare · H0710-020-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $6.30/mo | $9,850 | 5.0★ |
| 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★ |
| Texas Independence Community Plan (HMO I-SNP) Texas Independence Health Plan · H5015-002-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $6.30/mo | $9,250 | 4.5★ |
| Wellpoint Chronic Care Advantage Select (HMO C-SNP) Wellpoint · H8849-029-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $6.30/mo | $9,850 | 3.5★ |
| SCAN Walmart Medicare Complete (HMO C-SNP) SCAN Health Plan · H8902-013-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $6.30/mo | $4,400 | Not yet rated |
| 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★ |
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★ |
| KelseyCare Advantage Core (HMO) KelseyCare Advantage · H0332-001-000 | HMO | $0/mo | $4,500 | 4.5★ |
| 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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