How Much Will Medicare Cost You in Texas? Your 2025 Guide

📍 Start Here: Get an Instant Quote for Aetna Medicare Plans in Texas.

Don’t guess what your Medicare costs will be. Use our secure Aetna Medicare Plan Quoting Tool to check real-time premiums, deductibles, and plan benefits for your ZIP code — from Houston (77002) to San Antonio (78205), Dallas (75201), or wherever you live in the Lone Star State.

When you’re planning your Medicare coverage in 2025, one of the most important questions is: “How much will this actually cost me?”

The answer depends on where you live, what kind of coverage you choose, your income level, and the carrier you enroll with, like Aetna, which offers a wide variety of Medicare Advantage plans in Texas.

This guide breaks down the real Medicare costs in TX, including premiums, deductibles, and out-of-pocket limits. You’ll also get examples using ZIP codes across the state, and we’ll show you how to find Aetna plan costs in Texas using our simple online quoting tool.

🏥 Original Medicare Costs in Texas (2025)

Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). These rates are the same nationwide, but your total cost depends on your healthcare usage and any extra coverage you choose.

Medicare Part A (2025)

• Premium: Free for most people who have worked 10+ years

• Deductible: $1,632 per benefit period

• Hospital stay (in-network):

  • Days 1–60: $0

  • Days 61–90: $408/day

  • Days 91+: $816/day

Medicare Part B (2025)

• Monthly Premium:

  • $179.80 (standard)

  • More if your income is above $103,000 (individual) or $206,000 (joint)

• Annual Deductible: $240

• Coinsurance: 20% of most services after deductible

⚠️ Keep in mind: Original Medicare doesn’t cover prescriptions, dental, vision, or hearing. That’s why many Texans choose Medicare Advantage plans instead.

💳 What About Medicare Advantage Plans in Texas?

Medicare Advantage (Part C) plans are offered by private insurance companies like Aetna and combine Parts A, B, and often Part D drug coverage — with additional benefits not included in Original Medicare.

Here’s how these plans help control costs:

Typical 2025 Aetna Medicare Advantage Costs in Texas:

These are examples only — use our Aetna quoting tool to check ZIP-specific pricing.

City/ZIP	Monthly Premium	Max Out-of-Pocket	RX Coverage	Dental/Vision
Houston 77002	$0–$35	$4,200–$5,700	Included	Yes
Dallas 75201	$0–$29	$4,500–$5,000	Included	Yes
San Antonio 78205	$0–$45	$4,800–$6,000	Included	Yes

✅ Premiums as low as $0/month✅ Prescription coverage included✅ Dental, vision, and hearing benefits available✅ Fitness memberships and OTC credits in select plans

🏥 Local Providers You Can Access with Aetna Medicare Advantage in Texas

Aetna contracts with many top healthcare providers and hospitals across Texas, including:

• Memorial Hermann Health System – Houston

• UT Southwestern Medical Center – Dallas

• Baylor Scott & White – multiple locations

• Methodist Hospital – San Antonio

• MD Anderson Cancer Center – for select specialty referrals

• Texas Health Resources – Fort Worth area

Always use our quoter to check your ZIP code’s provider network and benefits — availability varies by county.

💊 What About Prescription Drug Costs?

Prescription costs under Medicare depend on your plan’s formulary (drug list), the tier of the medication, and whether your pharmacy is in-network.

With Aetna Medicare Advantage plans in Texas:

• Tier 1 drugs (generics) can cost $0–$5

• Tier 2 drugs often range from $5–$15

• Tier 3 and specialty drugs may be more, but can be managed with Preferred Pharmacy Networks

💡 Tip: Make a list of your current medications and use the Aetna plan quote tool to compare coverage and copays based on your ZIP code and pharmacy preference.

💰 Extra Costs Texans Should Know About

Beyond premiums, here are some key Medicare costs in TX to plan for:

Cost Type	Original Medicare	Medicare Advantage
Monthly Premium	$179.80 (Part B)	$0–$45 (varies)
Prescription Drugs	Not included	Often included
Dental/Vision/Hearing	Not included	Often included
MOOP (Max Out-of-Pocket)	No cap	$3,500–$7,550
Hospital Stays	Daily charges	Flat copays or $0

Texans on a budget often choose Medicare Advantage to avoid surprises and get a single, predictable monthly bill.

🧾 What Will YOU Pay for Medicare in Texas?

It depends on:

• Your ZIP code

• Your income

• Your prescription drug needs

• Your preferred doctors and hospitals

• Your eligibility for Extra Help or Medicaid

The good news? You don’t have to calculate this on your own.

👉 Use our Aetna Medicare Quoting Tool to:

• Compare plans by ZIP code

• Check your premium and drug costs

• Review provider networks

• See if you qualify for $0-premium plans in your area

📍 ZIP Codes Where Medicare Costs Vary in Texas

Local costs and plan availability differ across the state. Here are examples of variation by region:

• Travis County (Austin, 78701): Competitive $0 plans with expanded wellness benefits

• Bexar County (San Antonio, 78229): Rich networks and bilingual support

• Tarrant County (Fort Worth, 76104): Affordable PPOs with low MOOP

• Harris County (Houston, 77021): Plans offering OTC credits and vision

• El Paso County (El Paso, 79936): Limited plan types, but high Part D support

Use your ZIP code to get accurate results tailored to your needs.

🧠 Final Thoughts: Medicare Costs Are Personal — Not One-Size-Fits-All

There’s no single answer to “How much will Medicare cost me in Texas?” because the answer depends on you.

But whether you want a $0 premium plan with great extras, or a PPO with maximum provider freedom, you can find a fit, especially with Aetna's wide presence in Texas.

And you can do it all from the comfort of your home.

✅ Get Your Personalized Aetna Medicare Plan Quote Today

Ready to see what your Medicare costs in TX look like for 2025?

Use our Aetna Medicare Quoting Tool now to compare Medicare premiums in Texas, out-of-pocket costs, and available Aetna plans by ZIP code, including in your city or county.

📞 Prefer help by phone? Schedule a free virtual consultation with one of our licensed agents today.