Medicare Advantage Plans in Houston, Texas
Updated: June 2026
Kevin Fuller is an independent, Texas-licensed Medicare broker based in Houston. He helps neighbors across Harris, Fort Bend, Montgomery, and Brazoria counties compare Medicare Advantage (Part C) plans from the major carriers — at no cost to you.
There is no fee to work with Kevin and no obligation to enroll. Call 832-810-5433 to walk through your options one-on-one.
What is a Medicare Advantage plan?
Medicare Advantage — sometimes called Part C — is the private alternative to Original Medicare (Parts A and B). When you enroll, a private insurance company administers your Medicare benefits and usually adds extras that Original Medicare doesn't include: prescription drug coverage, routine dental, vision and hearing, fitness memberships, and an annual out-of-pocket maximum that caps what you pay in a calendar year.
In exchange, Advantage plans use a defined provider network and typically require you to use in-network doctors and hospitals to receive the lowest cost-share. Picking the right plan is largely about matching the network to the providers and hospitals you already use.
How Medicare Advantage works in Houston
Houston has one of the deepest healthcare markets in the country, which means a wide range of Medicare Advantage plans are available — but networks differ. Before you enroll, we confirm whether your preferred system is included:
- Kelsey-Seybold Clinic
- Memorial Hermann Health System
- Houston Methodist
- MD Anderson Cancer Center
- HCA Houston Healthcare and Harris Health affiliates
No single plan includes every Houston system, so the comparison comes down to which network fits your current care team and what each plan charges for the prescriptions and specialists you actually use.
Types of plans available
- HMO — Lower premiums and copays in exchange for staying in-network and using a primary care physician for referrals.
- PPO — More flexibility to see out-of-network providers, usually at a higher cost-share.
- D-SNP (Dual Special Needs) — Designed for people who qualify for both Medicare and Medicaid, with extra benefits and care coordination.
- C-SNP / I-SNP — Special needs plans for specific chronic conditions or institutional residents.
2026 Medicare enrollment windows
- Initial Enrollment Period (IEP) — The 7-month window around your 65th birthday.
- Annual Enrollment Period (AEP) — October 15 to December 7. Switch or join an Advantage plan; coverage begins January 1.
- Medicare Advantage Open Enrollment (OEP) — January 1 to March 31. Current Advantage members can switch plans once or return to Original Medicare.
- Special Enrollment Periods (SEP) — Triggered by qualifying life events like moving, losing employer coverage, or qualifying for Extra Help.
How Kevin helps
Kevin represents multiple Medicare Advantage carriers in the Houston market, so the comparison is honest — not a sales pitch for one company. A typical review covers:
- Confirming your doctors and hospitals are in-network
- Checking your prescriptions on each plan's formulary
- Comparing premiums, copays, and out-of-pocket maximums side-by-side
- Explaining extras like dental, vision, hearing, and OTC allowances
- Handling the enrollment paperwork with you
You pay nothing for the help. Premiums are set by the carrier and are the same whether you enroll on your own or with a broker.
Ready to compare Houston Medicare Advantage plans?
Call Kevin directly or schedule a no-cost review.
Frequently asked questions
What's the difference between Medicare Advantage and a Medigap (Supplement) plan?
Medicare Advantage (Part C) replaces Original Medicare with a single private plan that often bundles drug, dental, and vision coverage and uses a provider network. Medigap works alongside Original Medicare and helps pay the deductibles, copays, and coinsurance Parts A and B leave behind. Most people pick one path or the other — not both.
How much do Medicare Advantage plans cost in Houston?
Many Houston-area Medicare Advantage plans have a $0 monthly premium beyond your Part B premium. Your real cost comes from copays, coinsurance, and the annual out-of-pocket maximum, which varies by plan. A side-by-side comparison is the only way to see what a specific plan would cost you.
Can I keep my doctor if I switch to Medicare Advantage?
It depends on the plan's network. Houston has strong representation from Kelsey-Seybold, Memorial Hermann, Houston Methodist, and MD Anderson, but no single Advantage plan includes every system. Before enrolling, we confirm your doctors and preferred hospitals are in-network.
When can I enroll in or switch a Medicare Advantage plan?
The Annual Enrollment Period runs October 15 – December 7 each year for coverage starting January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) lets current Advantage members switch once. You may also qualify for a Special Enrollment Period after a move, loss of coverage, or other life event.
Do I have to pay Kevin to help me choose a plan?
No. There is no fee to work with Kevin. Independent Medicare advisors are compensated by the insurance carriers when you enroll, so your premium is the same whether you sign up on your own or with help.
What types of Medicare Advantage plans are offered in Houston?
The main options are HMO plans (lower cost, in-network care with referrals), PPO plans (more flexibility to see out-of-network doctors), and D-SNP plans for people who qualify for both Medicare and Medicaid. Kevin can walk you through which structure fits your doctors and budget.