Medicare Advantage Plans in San Antonio, TX

Navigate Medicare is headquartered in San Antonio. If you live in San Antonio or elsewhere in Bexar County, here is how to compare the Medicare Advantage plans available in your ZIP code.

How Medicare Advantage works in Bexar County

Medicare Advantage Plans (Part C) are offered by private insurers approved by Medicare. Each plan has a service area, usually defined by county. If you live in Bexar County you can choose among the plans that serve Bexar County; the list changes every year.

Plan types you may see in San Antonio

• HMO: lower cost sharing, local network, usually referrals for specialists.
• PPO: in-network and out-of-network coverage, higher cost out of network.
• Special Needs Plans: including Dual Special Needs Plans for people with both Medicare and Medicaid. See Medicare and Medicaid dual eligibility.

What to check before choosing a local plan

1. Are your primary care doctor, specialists and preferred hospitals in the network?
2. Are your prescriptions on the formulary, and at what tier? The 2026 Part D cap of $2,100 applies to covered drugs.
3. What is the yearly out-of-pocket limit for medical care?
4. If you spend time outside Texas, how does the plan handle care while traveling?
5. What dental, vision or hearing benefits are included, and what are the limits?
6. Does the plan require prior authorization for services you use?

2026 enrollment dates

Fall Open Enrollment runs October 15 to December 7, with changes starting January 1. If you are already in a Medicare Advantage Plan, you can make one change from January 1 to March 31. New to Medicare? See when to enroll in Medicare at 65.

Free local help

You can talk with a Navigate Medicare licensed agent at no cost, or get free unbiased counseling from the Texas Health Information, Counseling and Advocacy Program (HICAP) at 1-800-252-9240.

We do not list specific local plan names or prices here because plans and premiums change every year. Plan availability in Bexar County varies by ZIP code. Use the Medicare Plan Finder at Medicare.gov or call a licensed agent to see current plans.

Frequently asked questions

How do I find Medicare Advantage plans in San Antonio?

Use the Medicare Plan Finder at Medicare.gov with your Bexar County ZIP code, or call a licensed agent to compare the plans available where you live.

Are Medicare Advantage plans the same across Bexar County?

Most plans serve the whole county, but networks and availability can vary. Always check plans using your own ZIP code.

When can I join a Medicare Advantage plan in Texas?

When you first get Medicare, during Fall Open Enrollment from October 15 to December 7, or during a Special Enrollment Period if you qualify.

Is there free Medicare help in San Antonio?

Yes. Navigate Medicare agents do not charge you, and the Texas HICAP program offers free counseling at 1-800-252-9240.

Talk with a licensed agent

Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.

Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).