BCBSTX Medicare Advantage Plans
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Medicare Advantage Plans
What are Medicare Advantage Plans?
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans.
Texas Medicare Guide
BCBSTX Medicare Applications
Medicare Advantage Plans:
- Replace Part A and Part B
- Pay for your health care
- Usually include Part D prescription drug coverage
- Usually cover routine vision and dental care
- May have coverage restrictions such as provider networks and prior authorization
Medicare Advantage Cost:
- Monthly Premiums: Most people pay $0
- Deductible: $0 on most plans; Part D drug deductible ranges from $0 to $615 depending on plan
- Cost Sharing: $0 primary care copay on all plans; specialist copays from $26–$47; urgent care $30–$50
- Out-of-pocket Maximum: Ranges from $3,700 to $9,250 depending on plan
BCBSTX 2026 Medicare Advantage Plans
- Available in 228 Texas counties for 2026
- Enhanced EXTRA BENEFITS – Dental, OTC, Vision, and Hearing
- $0 monthly premium on select HMO and PPO plans
- $0 primary care copay on all plans
- $0 copay for telehealth virtual visits
- No-cost SilverSneakers® fitness program, 24/7 Nurseline, Rewards program
- Ease and Choice: HMO and PPO options with dental, vision, and hearing benefits
- $0 copay for preferred generic drugs (Tier 1) at preferred pharmacies
- Vision coverage with $0 copay on routine eye exams
- Telehealth virtual visits included
- Rewards in up to $100 of gift cards for taking healthy actions
2026 MAPD Product Offering
- Blue Cross Medicare Advantage Health Choice (PPO)SM
- Blue Cross Medicare Advantage Basic (HMO)SM
- Blue Cross Medicare Advantage Health Protect (PPO)SM
- Blue Cross Medicare Advantage Choice Premier (PPO)SM
- Blue Cross Medicare Advantage Classic (PPO)SM
- Blue Cross Medicare Advantage Dental Value (HMO)SM
2026 Market Plans
2026 Service Area
HMO: Brazoria, Ellis, Johnson, Parker, Rockwell, Waller
PPO: Archer, Austin, Bee, Bell, Blanco, Bosque, Burleson, Brazoria, Brazos, Brooks, Clay, Coryell, Dimmit, Duval, Ellis, Erath, Falls, Freestone, Galveston, Goliad, Grimes, Hamilton, Henderson, Hopkins, Houston, Jack, Jefferson, Jim Hogg, Jim Wells, Karnes, Kenedy, La Salle, Limestone, Madison, Mason, McCulloch, McLennan, Mills, Montgomery, Nueces, Orange, Palo Pinto, Parker, Polk, Rains, Refugio, San Jacinto, San Patricio, San Saba, Schakelford, Somervell, Throckmorton, Trinity, Tyler, Van Zandt, Waller, Washington, Webb, Zavala