Medicare help · West Texas, the Panhandle & the Permian Basin
Midland and Odessa share the Permian Basin’s two hospitals and a plan menu that shrank in the surrounding counties for 2026.
No cost, no obligation, no pressure.
No cost, no pressure. Prefer to call? (702) 706-6564.
Medicare in Midland
Midland and Ector counties offer a moderate Advantage menu, every Medigap carrier in Texas and the full Part D lineup. Midland Memorial and Medical Center Health System in Odessa contract with different carriers, and Lubbock or Dallas specialists are a long drive away, which is where a Medigap policy’s any-provider access matters.
The counties around the Basin were among those that lost Advantage plans for 2026.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Midland, Odessa, Big Spring, Andrews, Monahans, Fort Stockton, Pecos.
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 Midland
Midland and Ector counties typically offer a moderate Medicare Advantage menu, every Medigap carrier in Texas, and the full Part D lineup. Surrounding Permian counties have fewer Advantage plans and some lost plans for 2026.
For the 2026 plan year UnitedHealthcare and Humana withdrew Medicare Advantage plans from a number of rural Texas counties, and Humana has announced further reductions for 2027. A plan leaving your county gives you a Special Enrollment Period and, in most cases, a guaranteed-issue right to a Medigap policy without health questions.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
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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.