Medicare Step 3

Private Plans That Bundle Your Benefits

Medicare Advantage (Part C) Plans in Texas

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What Does Part C Include?

Medicare Advantage Plans Explained

Medicare Advantage (Part C) plans are all-in-one alternatives to Original Medicare, offered by private insurance companies. They include all the coverage of Parts A and B, and most plans also include Part D prescription coverage (MAPD plans).



Many Medicare Advantage plans also offer extra benefits Original Medicare doesn’t provide — like dental, vision, hearing aids, gym memberships, and more. In Kerrville and across the Hill Country, these plans offer coordinated care that fits a variety of budgets and health needs.

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Know the Trade-Offs

Pros & Cons of Medicare Advantage

  • Combines hospital, medical, and usually drug coverage

  • Annual out-of-pocket cap (unlike Original Medicare)

  • May have $0 or low premiums

  • Requires using a network (HMO or PPO)

Medicare Advantage plans often use provider networks, so it’s important to confirm your doctors and hospitals accept the plan. Some areas of Texas — especially outside metro regions like San Antonio — may have fewer in-network providers.


Still, these plans offer important benefits like bundled drug coverage and a spending cap. Our agents walk you through your options.

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Know the Plan Types

What Kinds of Part C Plans Are Available?

  • HMO: Lower cost, strict network, referrals required

  • PPO: Higher cost, more flexible providers

  • SNPs: Special Needs Plans for chronic illness or dual-eligible (Medicare + Medicaid)

Texas residents have many Part C options, especially in Bexar, Kendall, and Kerr counties. We help you sort through them based on your health, budget, and preferred doctors.

Make an Informed Choice

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 Not all Medicare Advantage plans are the same. Differences in networks, copays, drug formularies, and out-of-pocket limits can affect your coverage and costs. Our agents help you evaluate:


  • Are your doctors in-network?
  • Are your medications covered?
  • How much will you pay for common services?

You can enroll when you’re first eligible for Medicare, or change plans during the Annual Enrollment Period (Oct 15 – Dec 7). We also offer yearly reviews to help you keep the best plan.

Coverage shouldn’t be confusing. We’re here to help.

Real Answers

Common Questions About Part C

If you’re still unsure about how Medicare Advantage works in Texas, you’re not alone. Here are a few key questions our Kerrville team hears every week:

FAQs

  • Can I switch back to Original Medicare if I don’t like Part C?

    Yes, during certain periods like the Medicare Advantage Open Enrollment (Jan 1 – Mar 31) or during Annual Enrollment.

  • Do I need Medigap if I have Advantage?

    No. You can’t have both. You choose either a Medigap or Advantage plan.

  • Will my Kerrville doctors take my Advantage plan?

    Possibly. It depends on the plan. We’ll verify your preferred providers for you.

  • What if I travel out of state?

    You’re covered for emergencies nationwide. For routine care, check if your plan includes a national network or travel benefit.