County guide · Polk County, TX · 2027 plan year
Original Medicare vs Medicare Advantage in Polk County, TX
This guide lists 25 Medicare Advantage plans for 2027 in Polk County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 25
- $0 premium
- 19 plans
- Lowest in-network limit
- $3,500
- Highest in-network limit
- $9,850
In most states, including Texas, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Texas can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| HealthSpring Preferred Extra Savings (HMO)HMO from HealthSpring · Plan ID H4513-091 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 (the plan pays back $176 of Part B) | $7,500 in network | 3.5 of 5 | 24 services | $487 | $3,102 | $8,792 |
| HealthSpring Preferred Savings (HMO)HMO from HealthSpring · Plan ID H4513-083 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 (the plan pays back $124 of Part B) | $7,200 in network | 3.5 of 5 | 24 services | $1,106 | $3,656 | $9,061 |
| DEVOTED GIVEBACK 074 TX (HMO)HMO from Devoted Health · Plan ID H7993-074 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $190 of Part B) | $9,850 in network | 4.5 of 5 | 24 services | $517 | $4,281 | $10,177 |
| AARP Medicare Advantage Giveback from UHC TX-41 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0609-068 · Medicare.govIts page is set for Smith County, TX | $0 plan + Part B $209.50 (the plan pays back $96 of Part B) | $9,850 in network | 4 of 5 | 24 services | $1,362 | $4,585 | $11,052 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H4513-061 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $4,000 in network | 3.5 of 5 | 24 services | $2,599 | $5,289 | $8,914 |
| Aetna Medicare Signature Extra (PPO)PPO from Aetna Medicare · Plan ID H3288-006 · Medicare.govIts page is set for Fort Bend County, TX | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 19 services | $2,574 | $5,577 | $11,429 |
| HumanaChoice H5216-043 (PPO)PPO from Humana · Plan ID H5216-043 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,753 | $5,587 | $10,984 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H7617-057 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,753 | $5,587 | $10,984 |
| AARP Medicare Advantage Essentials from UHC TX-26 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0609-060 · Medicare.govIts page is set for Smith County, TX | $0 plan + Part B $209.50 | $4,900 in network | 4 of 5 | 24 services | $2,514 | $5,615 | $9,814 |
| DEVOTED GIVEBACK EXTRAS 112 TX (HMO)HMO from Devoted Health · Plan ID H7993-112 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $7,350 in network | 4.5 of 5 | 24 services | $1,906 | $5,618 | $11,424 |
| Wellcare Simple (HMO)HMO from Wellcare · Plan ID H0174-010 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $3,500 in network | 3.5 of 5 | 20 services | $2,544 | $5,664 | $8,414 |
| AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0609-080 · Medicare.govIts page is set for Smith County, TX | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $5,942 | $12,064 |
| Wellcare Simple Value (HMO)HMO from Wellcare · Plan ID H5294-026 · Medicare.govIts page is set for Fort Bend County, TX | $0 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 20 services | $2,604 | $5,994 | $10,484 |
| DEVOTED CORE 073 TX (HMO)HMO from Devoted Health · Plan ID H7993-073 · Medicare.gov | $0 plan + Part B $209.50 | $5,750 in network | 4.5 of 5 | 24 services | $2,549 | $6,162 | $10,664 |
| Aetna Medicare Value Plus (PPO)PPO from Aetna Medicare · Plan ID H3288-018 · Medicare.govIts page is set for Fort Bend County, TX | $6.30 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 19 services | $3,305 | $6,254 | $12,092 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-154 · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 3 of 5 | 24 services | $2,976 | $6,314 | $11,129 |
| HumanaChoice R4182-004 (Regional PPO)Regional PPO from Humana · Plan ID R4182-004 · Medicare.govIts page is set for Harris County, TX | $46 plan + Part B $209.50 | $8,200 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,156 | $6,372 | $12,096 |
| HumanaChoice H5216-042 (PPO)PPO from Humana · Plan ID H5216-042 · Medicare.govIts page is set for Harris County, TX | $62 plan + Part B $209.50 | $6,750 in network; $9,000 in and out of network | 4 of 5 | 24 services | $3,348 | $6,546 | $12,408 |
| AARP Medicare Advantage from UHC TX-0007 (PPO)PPO from UnitedHealthcare · Plan ID H1278-015 · Medicare.govIts page is set for Smith County, TX | $10 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3 of 5 | 24 services | $3,349 | $7,003 | $12,184 |
| HumanaChoice R4182-003 (Regional PPO)Regional PPO from Humana · Plan ID R4182-003 · Medicare.govIts page is set for Harris County, TX | $100 plan + Part B $209.50 | $8,200 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,804 | $7,017 | $12,734 |
| AARP Medicare Advantage from UHC TX-61 (Regional PPO)Regional PPO from UnitedHealthcare · Plan ID R6801-012 · Medicare.govIts page is set for Harris County, TX | $138 plan + Part B $209.50 | $9,850 in network; $9,850 in and out of network | 3 of 5 | 24 services | $4,170 | $7,545 | $13,900 |
| HealthSpring Courage (HMO)HMO from HealthSpring · Plan ID H4513-009 · No drug coverage · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $4,300 in network | 3.5 of 5 | 24 services | $1,452 | $9,266 | $26,950 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-348 · No drug coverage · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $7,900 in network; $11,300 in and out of network | 4 of 5 | 24 services | $1,262 | $9,466 | $28,695 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-062 · No drug coverage · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $7,900 in network; $11,300 in and out of network | 4.5 of 5 | 24 services | $1,262 | $9,466 | $28,695 |
| HumanaChoice R4182-001 (Regional PPO)Regional PPO from Humana · Plan ID R4182-001 · No drug coverage · Medicare.govIts page is set for Harris County, TX | $0 plan + Part B $209.50 | $6,000 in network; $10,750 in and out of network | 3.5 of 5 | 24 services | $2,892 | $11,108 | $30,090 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Polk County, TX. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 77351 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 77351 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.