Medicare Plans in Texas
Compare Options for 2026
As an independent Texas Medicare advisor, I compare plans from Aetna, Humana, UnitedHealthcare, Cigna, BCBS Texas, Molina, and 15+ more carriers — so you get the right coverage for your doctors, prescriptions, and budget.
Medicare in Texas: What You Need to Know for 2026
Texas is the second-largest Medicare state in the nation with over 4 million beneficiaries. The Dallas-Fort Worth Metroplex, Houston, and San Antonio offer some of the most competitive Medicare Advantage markets in the country — but rural areas of West Texas and the Panhandle often have fewer plan options, making Medigap coverage a smarter choice for those residents. Navigating Texas Medicare requires knowing which carriers dominate each region.
Medicare Advantage
Major Texas metros have dozens of $0-premium MA plans with dental, vision, and hearing benefits. Top carriers: Aetna, Humana, UnitedHealthcare, Cigna, BCBS Texas, Molina Healthcare.
Best for: Metro residents wanting all-in-one coverage
Medicare Supplement (Medigap)
Texas is one of the few states offering additional Medigap options beyond federal standards. Plans F, G, and N are most popular. Especially valuable in rural Texas where MA networks are limited.
Best for: Rural residents & those who travel frequently
Part D Drug Plans
Stand-alone Part D plans available statewide. Texas's Extra Help / Low Income Subsidy program can dramatically reduce your drug costs. Compare formularies carefully — they vary widely by region.
Best for: Those on Original Medicare needing drug coverage
Texas Cities & Service Areas
Rodney Cummings serves Medicare beneficiaries across all of Texas, including:
Texas Medicare Key Dates for 2026
- 📅 Open Enrollment: Oct 15 – Dec 7, 2025 (for 2026 coverage)
- 🎂 Turning 65? Your Initial Enrollment Period begins 3 months before your birthday month
- ⚠️ Late enrollment penalty: 10% per year on Part B if you don't enroll on time
- 🗺️ Rural Texas note: If you live outside a major metro, Medicare Supplement (Medigap) may offer better access than MA plans
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