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Locations: Houston, TX

Medicare and senior insurance help in Houston

Houston is home to the Texas Medical Center, the largest medical complex in the world, so many seniors here care most about one thing: keeping access to a specific specialist or cancer center. That single question can rule out half the Advantage plans on the market.

The metro is also huge. Katy, Sugar Land and The Woodlands sit in different counties with different plan lists. Before you compare premiums, confirm which plans serve your county and whether your specialists sit in network.

  • Medicare Advantage
  • Medicare Supplement
  • Part D drug plans
  • Final expense insurance
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Houston tips

What Houston seniors should check first

  • Specialist access first

    If you see doctors at MD Anderson, Houston Methodist or Memorial Hermann, check network status before anything else.

  • Hurricane season planning

    Ask how your plan handles out-of-network care and early refills during a declared emergency.

  • County matters

    Harris, Fort Bend and Montgomery counties each have their own plan lists.

Local hospitals

Check these Houston hospitals against any plan's network

  • Houston Methodist
  • Memorial Hermann
  • MD Anderson Cancer Center
  • Baylor St. Luke's Medical Center

Networks change every January. Call your doctor's office and ask which Houston plans it will accept next year, then match that list against the plans you are comparing. Here is why: a plan directory can lag behind real contracts by weeks.

Coverage

Plan types sold in Houston

  • Medicare Advantage

    Bundled plans with a local network and a yearly cost cap. Plan lists differ across Harris County and Fort Bend County.

  • Medicare Supplement

    Works with any Houston doctor who accepts Medicare, plus doctors anywhere else in the country.

  • Part D drug plans

    Price your prescriptions at your Houston pharmacy. The 2027 out-of-pocket cap is $2,400.

  • Final expense insurance

    Small whole life policies that help your family with funeral and end-of-life costs.

Area served

Communities near Houston

We help people in Houston and nearby communities including Katy, Sugar Land, Pearland, Pasadena, The Woodlands, Baytown. Counties covered: Harris County, Fort Bend County, Montgomery County, Galveston County.

Free counseling in Texas

Health Information, Counseling and Advocacy Program (HICAP) offers free, unbiased Medicare counseling at 1-800-252-9240.

Houston Medicare questions

Which counties does Medicare help in Houston cover?
We help people across Harris County, Fort Bend County, Montgomery County, Galveston County, including Katy, Sugar Land, Pearland, Pasadena. Plan choices change at county lines, so we start with your ZIP code.
Will a Medicare plan in Houston cover my hospital?
It depends on the plan. Before you enroll, check whether your doctors at Houston Methodist or Memorial Hermann sit in the plan's network. Original Medicare with a Medigap plan works with any provider that accepts Medicare.
When can I change my Medicare plan in Houston?
Annual Enrollment runs October 15 to December 7, with changes starting January 1. If you are in a Medicare Advantage plan, you can also switch once between January 1 and March 31. See all enrollment periods.
Where can I get free Medicare counseling in Texas?
HICAP, Texas's State Health Insurance Assistance Program, offers free counseling at 1-800-252-9240. Counselors there do not sell insurance.

Other Texas locations

Compare Houston plans for 2027

Annual Enrollment runs October 15 to December 7. Get a free side-by-side review of the plans sold in your Texas county.

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