Finding The Right Medicare Advantage Plan
in Texas Is Now A Snap For Seniors
With more than 30 Medicare
Advantage plan available in
most Texas counties, there
have never been so many
health plan choices.
Medicare Advantage plans
are private health plans from
a variety of national and local
companies.
Each plan has a monthly
premium that the plan sets
based on the benefits
included.
Most Medicare Advantage
plans include a Part D plan
for prescriptions.
In addition to the copays and other
costs plan members pay when they
use health services, the Part D plan
component has its own costs,
including deductibles, copays, and
coinsurance when a member picks up
their prescriptions.
The Part D component of a
Medicare Advantage plan makes
comparing plans particularly difficult
because each medication is
organized into one of several pricing
tiers, and each plan creates its own
tiers.
Specifically, if your regular
medications are expensive,
some enhanced benefit plans
give you extra benefits when you
reach the coverage gap, while
others do not.
In addition to pharmacy
benefits, many Advantage
plans bundle vision, hearing,
dental, and telehealth
benefits, as well.
As with stand-alone vision
and dental plans, most
Medicare Advantage plans
cap the annual benefit at a
modest level.
The good news is that many
Texas Medicare Advantage
plans have kept their original
MOOP, and some plans have
lowered it.
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