Best Medicare Advantage Plans in McLennan County, TX for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in McLennan County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
McLennan County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC TX-46 (HMO-POS)UnitedHealthcare · HMO-POS15 of 254 counties · drug deductible $355Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $31 | $5,500 | $5,872 | 4★ |
| 2 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO41 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 3 | AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS)UnitedHealthcare · HMO-POS14 of 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | AARP Medicare Advantage Essentials from UHC TX-12 (HMO-POS)UnitedHealthcare · HMO-POS14 of 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 5 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO27 of 254 counties · drug deductible $400Dental up to $2,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 6 | BSW SeniorCare Advantage Select Rx (HMO-POS)Baylor Scott & White Health Plan · HMO-POS34 of 254 counties · drug deductible $500Preventive dental · eyewear $115/yr · hearing aids $333/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 7 | BSW SeniorCare Advantage Preferred Rx (HMO-POS)Baylor Scott & White Health Plan · HMO-POS34 of 254 counties · drug deductible $250Preventive dental · eyewear $150/yr · hearing aids $367/yr | $152 | $5,400 | $7,224 | 4.5★ |
| 8 | BSW SeniorCare Advantage Basic (PPO)Baylor Scott & White Health Plan · PPO29 of 254 counties · drug deductible $500Preventive dental · eyewear $150/yr · hearing aids $333/yr | $32 | $7,150 | $7,534 | 4★ |
| 9 | HumanaChoice H5216-432 (PPO)Humana · PPO6 of 254 counties · drug deductible $520Dental up to $3,000/yr · eyewear $100/yr | $13 | $7,500 | $7,656 | 4★ |
| 10 | HumanaChoice H7617-029 (PPO)Humana · PPO6 of 254 counties · drug deductible $520Dental up to $3,000/yr · eyewear $100/yr | $13 | $7,500 | $7,656 | 4.5★ |
| 11 | HumanaChoice H5216-043 (PPO)Humana · PPO57 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $20 | $7,700 | $7,940 | 4★ |
| 12 | HumanaChoice H7617-059 (PPO)Humana · PPO57 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $23 | $7,700 | $7,976 | 4.5★ |
| 13 | BSW SeniorCare Advantage Premium Rx (HMO-POS)Baylor Scott & White Health Plan · HMO-POS34 of 254 counties · drug deductible $250Preventive dental · eyewear $125/yr · hearing aids $333/yr | $258 | $5,000 | $8,096 | 4.5★ |
| 14 | BSW SeniorCare Advantage Platinum (PPO)Baylor Scott & White Health Plan · PPO29 of 254 counties · drug deductible $250Preventive dental · eyewear $150/yr · hearing aids $500/yr | $145 | $6,600 | $8,340 | 4★ |
| 15 | HumanaChoice R4182-004 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $46 | $8,200 | $8,752 | 3.5★ |
| 16 | HumanaChoice R4182-003 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $100 | $8,200 | $9,400 | 3.5★ |
| 17 | AARP Medicare Advantage from UHC TX-61 (Regional PPO)UnitedHealthcare · Regional PPOAll 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $138 | $9,850 | $11,506 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 28 in 2026, 25 in 2027.
- $0-premium plans: 15 in 2026, 11 in 2027.
- Median in-network out-of-pocket maximum: $6,725 in 2026, $7,150 in 2027.
- 18,276 people here were in a general-audience Advantage plan in October 2026; 27 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Aetna Medicare Eagle (PPO), BSW SeniorCare Advantage Preferred (HMO-POS), HumanaChoice R4182-001 (Regional PPO), AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), BSW SeniorCare Advantage Select (HMO-POS), BSW SeniorCare Advantage Premium (HMO-POS).
Questions
How many Medicare Advantage plans are in McLennan County for 2027?
17 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 28 plans and 15 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in McLennan County?
AARP Medicare Advantage from UHC TX-46 (HMO-POS) from UnitedHealthcare: $31 a month with an in-network out-of-pocket maximum of $5,500, so at most about $5,872 for the year in premiums and in-network costs.
Do any McLennan County plans have a Part B giveback?
None of the plans with drug coverage here files a Part B premium reduction for 2027.
How many McLennan County plans have 4 or more stars?
12 of 17, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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