Medicare Advantage

The 2027 Medicare Advantage roster in Lubbock: 6 carriers, 29 plans, one table

Lubbock County has 38 Medicare Advantage plans for 2027. Compared with 2026, 19 plans are not coming back, 7 are new, and 24 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Lubbock, not which plan to pick.

Medicare AdvantageLubbock, TX

LUBBOCK, Texas — If you're sorting through Medicare Advantage options in Lubbock this fall, here's the full picture in one place. For plan year 2027, Lubbock is in Lubbock County, where 6 carriers are offering a combined 29 Medicare Advantage plans, according to the CMS Medicare Advantage Landscape Source File. Every one of those plans includes prescription drug coverage. The table below lists every plan by carrier, its plan type, and whether it includes drug coverage.

What the 2027 Lubbock lineup looks like

The six carriers offering Medicare Advantage plans in Lubbock County for 2027 are, in alphabetical order: Aetna (CVS Health), Centene (WellCare), Elevance Health (Anthem), Humana, Provider Partners Health Plans, and UnitedHealthcare. Three carriers offered plans in 2026 but are not returning for 2027: American Health Advantage of Texas, Baylor Scott & White Health Plan, and Blue Cross Blue Shield (HCSC).

Humana lists the most plans in the county with 15, followed by UnitedHealthcare with 9 and Centene (WellCare) with 8. Elevance Health (Anthem) offers 6, Aetna (CVS Health) offers 5, Blue Cross Blue Shield (HCSC) offers 4, and Baylor Scott & White Health Plan, American Health Advantage of Texas and Provider Partners Health Plans each offer 1.

Understanding the plan types on the list

Medicare Advantage plans come in a few shapes, and Lubbock's roster includes most of them.

• HMO (Health Maintenance Organization): You generally use in-network providers and often need a referral to see a specialist.
• HMO-POS (Point of Service): An HMO that allows some out-of-network care under specific rules.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network providers, usually at a higher cost share. Some PPOs in the roster are "Regional PPO" plans, which cover a wider service area.
• PFFS (Private Fee-for-Service): You can generally see any Medicare-approved provider who agrees to the plan's terms.

For example, Humana's roster in Lubbock includes HMO, PPO and PFFS plans, while Baylor Scott & White Health Plan lists a PPO and American Health Advantage of Texas lists an HMO. The table shows the exact type for each plan.

Special Needs Plans in the county

Of the 50 Medicare Advantage plans in Lubbock County, 21 are Special Needs Plans (SNPs). These are built for people who meet certain criteria:

• D-SNP (Dual Eligible SNP): For people with both Medicare and Medicaid. Examples on the roster include Aetna Medicare Dual Care (HMO D-SNP), Blue Cross Medicare Advantage Dual Care Plus (HMO D-SNP), Wellcare Dual Access (HMO D-SNP), Wellpoint Dual Advantage (HMO D-SNP) and UHC Dual Complete TX-S5 (HMO-POS D-SNP).
• C-SNP (Chronic Condition SNP): For people with certain chronic conditions. Examples include Wellpoint Kidney Care (HMO-POS C-SNP) and UHC Complete Care TX-29 (Regional PPO C-SNP).
• I-SNP (Institutional SNP): For people who live in or need the level of care provided in an institution. Examples include American Health Advantage of Texas (HMO I-SNP), Provider Partners Texas Advantage Plan (HMO I-SNP) and Humana Together in Health (PPO I-SNP).

You have to qualify to enroll in an SNP, and each plan defines who is eligible.

Drug coverage: what to know for 2027

Every Medicare Advantage plan on the Lubbock County list bundles Part D drug coverage. Because CMS lists no stand-alone Part D plans in the county file for 2027, most Lubbock residents who want drug coverage will get it inside a Medicare Advantage plan or through another source of creditable coverage.

A few program-level Part D facts for 2027 that apply no matter which plan you choose:

• The Part D out-of-pocket cap is $2,100 for 2026.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027).
• The old coverage gap ("donut hole") was eliminated as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs over the year in monthly amounts if you choose to opt in.

Dates to keep in mind

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan on Jan. 1, you can switch to another Medicare Advantage plan or go back to Original Medicare (with a Part D plan if available).
• IRMAA: Higher-income surcharges for Part B and Part D start above $109,000 in income for a single filer in 2026.

How to compare plans without the guesswork

The roster on this page comes from the CMS MA Landscape Source File, which shows which plans are available in each county. It doesn't show premiums, copays, drug lists or provider networks. Those details live in each plan's own documents and in the Medicare Plan Finder.

To compare specifics for your situation:

• Go to medicare.gov and use Plan Finder to enter your ZIP code and prescriptions.
• Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7.
• Contact your local State Health Insurance Assistance Program (SHIP) in Texas for free, one-on-one counseling.
• Check each plan's Summary of Benefits and Evidence of Coverage on the carrier's website.