Medicare Plans in Denton County for 2027: Suburbs, Small Towns and Everything Between

Denton County is really two places. The southern half, around Lewisville, Flower Mound, Carrollton, and The Colony, is suburban and connected to the rest of the Metroplex. The north and west, past Denton toward Sanger, Krum, and Pilot Point, still has open land and longer drives. Your Medicare choice should fit the part of the county you live in.

Denton County's 2027 numbers

According to CMS's 2027 data, Denton County has 32 Medicare Advantage plans from 7 insurance companies. 25 include drug coverage, and 24 charge no monthly plan premium.

In-network out-of-pocket maximums range from $2,399 to $9,850, and 20 plans have an overall CMS rating of 4 stars or higher. If you keep Original Medicare, there are 10 stand-alone Part D plans, starting at $5.30 a month.

Suburban or rural: check what's near you

A plan's network might look large on paper but still be thin close to your home. Before you choose:

• Map your care. Where's your primary care doctor? Your nearest hospital and urgent care? Your pharmacy? Look each one up in the plan's 2027 directory.
• Count the miles to specialists. If you live in the northern part of the county, your in-network cardiologist or orthopedist might be a long drive away. Medicare notes that most HMO plans require you to use network providers except in emergencies.
• Think about Original Medicare. Medicare explains that Original Medicare lets you see any doctor or hospital that takes Medicare, anywhere in the U.S. Pair it with Medigap and a Part D plan if flexibility matters most.

Family caregivers and Medicare

Many Denton County households include an adult child helping a parent with Medicare. If that's you, a few tips:

• Medicare has a form, the Authorization to Disclose Personal Health Information (CMS-10106), that lets your parent give Medicare permission to talk with you. You can also call 1-800-MEDICARE together.
• Keep a current list of doctors and prescriptions handy during enrollment season.
• Read the plan's Annual Notice of Change each fall for any network or drug list updates.

Special needs plans

Denton County has 17 Dual Special Needs Plans for people with both Medicare and Texas Medicaid, 11 chronic condition plans, and 7 institutional plans. For cost help, see Part B premium help in Texas.

Key dates

Date	What happens
Oct. 15 – Dec. 7, 2026	Annual Enrollment Period: change plans for 2027
Jan. 1, 2027	New plan coverage starts
Jan. 1 – Mar. 31, 2027	One plan change if you're already in Medicare Advantage

For more on choosing between the two paths, read Medicare Advantage vs. Original Medicare in Texas.

Free local help

The Texas Health Information, Counseling and Advocacy Program (HICAP) offers free, unbiased Medicare counseling at 1-800-252-9240. Denton County is served by the North Central Texas Area Agency on Aging at 800-272-3921.

Compare every plan for your ZIP code on the Medicare.gov Plan Finder, or call 1-800-MEDICARE.