Medicare Advantage Plans
All-in-one coverage that goes beyond Original Medicare. Get hospital, medical, and prescription drug coverage — plus extra benefits like dental, vision, and hearing.
Why Choose Medicare Advantage?
Medicare Advantage plans offer comprehensive coverage with benefits you won't find in Original Medicare.
Low Premiums
Many plans offer $0 monthly premiums. You still pay your Part B premium, but overall costs are often lower.
Out-of-Pocket Maximum
Unlike Original Medicare, Advantage plans cap your annual out-of-pocket spending, protecting you from catastrophic costs.
Drug Coverage Included
Most plans include Part D prescription drug coverage, so you don't need a separate drug plan.
Dental, Vision & Hearing
Many plans include routine dental, vision exams, eyeglasses, and hearing aids — benefits not covered by Original Medicare.
Fitness & Wellness
Access gym memberships, fitness programs like SilverSneakers, and wellness benefits to keep you healthy.
Care Coordination
Plans coordinate your care through a network of providers, ensuring you get comprehensive, connected healthcare.
Types of Medicare Advantage Plans
Medicare Advantage plans come in several types, each with different rules for how you get care.
Health Maintenance Organization
Typically requires you to use doctors and hospitals in the plan's network. You usually need a referral from your primary care doctor to see a specialist.
- Lower premiums and copays
- Coordinated care through PCP
- Predictable costs
Best for those who prefer lower costs and don't mind using in-network providers.
Preferred Provider Organization
Offers more flexibility to see doctors both in and out of network. You can see specialists without a referral, though in-network care costs less.
- No referral needed for specialists
- Out-of-network coverage available
- Greater provider flexibility
Best for those who want flexibility to see any doctor, including out-of-network.
Special Needs Plan
Designed for people with specific diseases, certain health conditions, or limited incomes. These plans tailor benefits and providers to your specific needs.
- Tailored to specific health needs
- Often include extra benefits
- Specialized provider networks
Best for those with chronic conditions, dual eligibility, or institutional care needs.
What's Typically Included
Medicare Advantage plans must cover everything Original Medicare covers, plus most offer additional benefits.
Standard Coverage
- Hospital stays (Part A)
- Doctor visits & outpatient care (Part B)
- Prescription drugs (Part D)
- Preventive services & screenings
- Emergency & urgent care
- Lab tests & diagnostic services
Extra Benefits (Many Plans)
- Routine dental care & cleanings
- Vision exams & eyeglasses
- Hearing exams & hearing aids
- Fitness programs (SilverSneakers)
- Transportation to appointments
- Over-the-counter health products allowance
Featured Medicare Advantage Carriers
Jay is a licensed and appointed agent for the top Medicare Advantage carriers in South Texas — compare plans side by side at no cost.
#1 Medicare CarrierUnitedHealthcare AARP Medicare Advantage
UnitedHealthcare is the nation's largest Medicare Advantage carrier, serving 94% of Medicare eligibles in 2026. Their AARP-branded plans offer some of the most comprehensive benefits in South Texas — including $0-premium options, Part B premium giveback, dental, vision, hearing, and SilverSneakers fitness membership.
Monthly Premium
$0 options available
Part B Giveback
Up to $100/mo
Plan Types
HMO, HMO-POS, PPO
Drug Coverage
Part D included
Dental/Vision/Hearing
Included
Fitness Benefit
SilverSneakers
Top-Rated MAPDHumana Gold Plus Medicare Advantage
Humana is one of the top-rated Medicare Advantage carriers in Texas, known for their Gold Plus HMO plans with broad provider networks and strong supplemental benefits. Their 2026 plans prioritize simplicity and affordability — with $0-premium options, robust dental and vision coverage, and specialized D-SNP plans for dual-eligible beneficiaries.
Monthly Premium
$0 options available
Plan Types
HMO, PPO, D-SNP
Drug Coverage
Part D included
Dental/Vision/Hearing
Included
Fitness Benefit
SilverSneakers
Dual Eligible
D-SNP available
Plan availability, premiums, and benefits vary by zip code. Contact Jay for a personalized comparison in your area. Not all plans available in all locations.
Frequently Asked Questions
New 2026 Resource
2026 Medicare Part D Complete Guide
The donut hole is gone. The new $2,000 out-of-pocket cap is now in effect. Learn everything about your 2026 prescription drug coverage — IRMAA surcharges, Extra Help, the M3P payment plan, and how to compare drug plans.
Find a Medicare Advantage Plan Today
Jay will compare plans in your area and help you find the best coverage at the lowest cost.
Important Notice (42 CFR 422.2267(e)(41)): We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or the Texas SHIP at 1-800-252-9240 to get information on all of your options. TTY: 711.
Federal Contracting Statement: Jay Gutierrez Insurance Agency, Inc. is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each of the organizations represented has a Medicare contract. Enrollment in any plan depends on contract renewal.
Not affiliated with or endorsed by any government agency. Medicare has neither reviewed nor endorsed this information. Every year, Medicare evaluates plans based on a five-star rating system. Jay Gutierrez Insurance Agency, Inc. | Texas Department of Insurance License #1730203.