Medicare help · Houston Metro & Gulf Coast
From the Heights to Clear Lake, Houston has the deepest Medicare menu in Texas — and the most ways to pick a plan that leaves your doctor out. The comparison here starts with your hospital system.
No cost, no obligation, no pressure.
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Houston
Harris County offers dozens of Medicare Advantage plans, every Medigap carrier licensed in Texas and the full Part D lineup. The catch is that Houston’s care is organized into large systems that contract separately: Houston Methodist, Memorial Hermann, Baylor St. Luke’s, HCA and Kelsey-Seybold. KelseyCare Advantage covers Kelsey-Seybold and little else; other plans include Methodist but not Hermann, or the reverse.
MD Anderson accepts Original Medicare and contracts with only some Advantage plans, which is why so many Houstonians with a cancer history keep a Medigap policy. We compare what is actually offered at your ZIP code, confirm your doctors and pharmacy, and set Advantage beside a supplement so you can see the trade-off plainly.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
The Heights, Montrose, West University, Bellaire, Memorial, Kingwood, Clear Lake, Pearland, Sugar Land, Katy, Cypress, Pasadena, Baytown.
Turning 65? Your Initial Enrollment Period is the 7 months around your birthday. Already on Medicare? The Annual Election Period is Oct 15–Dec 7, and Medicare Advantage Open Enrollment runs Jan 1–Mar 31. A plan leaving your county opens a Special Enrollment Period.
Your options
All-in-one Part C plans, often $0 premium, that use a local network — so your providers, your county and your prescriptions matter.
How Advantage worksMedigap pairs with Original Medicare and lets you see any provider nationwide that accepts Medicare — MD Anderson, Mayo, or a clinic in the Valley.
How Medigap worksStandalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksAdvantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Texas Medicaid.
About SNPsQuestions from Houston
Harris County typically has the widest choice in Texas: dozens of Medicare Advantage plans, every Medigap carrier in the state, and all standalone Part D plans. Availability is set by ZIP code and changes each plan year; we compare what is offered at your address.
It depends on the specific plan’s network, and the contracts change every year. Before you enroll we confirm your providers at Methodist, Hermann, St. Luke’s, HCA or Kelsey-Seybold are in-network and your prescriptions are on the formulary, so there are no surprises in January.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
Nearby
Ready when you are
A short, friendly conversation — no pressure, no cost.
Written and reviewed by Darin Weidauer — licensed insurance agent (NPN 18580338, TX License #2514981), Gerontologist (USC Leonard Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran.Last reviewed September 4, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov, 1-800-MEDICARE, or Texas HICAP at 800-252-9240.