Medicare Plans in Laredo and Webb County for 2027

Laredo is a border city in every sense. Families have relatives on both sides of the Rio Grande, many people speak Spanish at home, and a trip across the bridge to Nuevo Laredo can be part of a normal week. That's worth keeping in mind as you look at your Medicare choices for 2027, because Medicare works very differently on the U.S. side of the river.

Webb County is also big. Beyond Laredo, it stretches out to small communities like Rio Bravo and El Cenizo along the river and wide ranchland to the north and east. If you see a specialist in San Antonio, that's a long drive up I-35, and it should shape the plan you pick.

Webb County's 2027 options

CMS's 2027 plan data shows 28 Medicare Advantage plans in Webb County, offered by 5 insurance companies. 20 have a $0 monthly premium, and 21 include Part D drug coverage.

Yearly out-of-pocket limits range from $3,000 to $9,850. That's the most you'd pay for covered medical care in a year, and the gap between the low and high end is large. A $0 premium plan with a high limit can cost more in a year with a hospital stay, so compare both numbers.

Remember that a $0 premium plan doesn't mean $0 for Medicare. You still pay your Part B premium. Our Part B explainer covers what that premium pays for.

Care across the border: what Medicare won't do

Some Laredo-area residents see a doctor, dentist, or pharmacist in Nuevo Laredo because it's close or familiar. That's a personal choice, but know the Medicare rules before you count on coverage:

• Medicare usually doesn't cover care outside the U.S. In most cases, you pay all costs.
• Medicare drug plans don't cover prescriptions you buy in another country. Medicine bought in Mexico won't count toward your plan's costs.
• There are rare exceptions. Medicare may pay for inpatient care in a foreign hospital if, for example, you're in the U.S. when an emergency happens and the foreign hospital is closer than the nearest U.S. hospital that can treat you.
• Some Medigap policies may cover emergency care when you travel outside the U.S. Check the policy's details before you rely on it. Our Medigap guide for Texas explains how those policies work.

If you're in a Medicare Advantage plan, ask the plan directly what, if anything, it covers outside the country. Rules can vary by plan.

If your doctors are in San Antonio

Many plans build their networks around local doctors and hospitals. That can work well if all your care is in Laredo. But if you see a cancer specialist, heart doctor, or transplant team in San Antonio, check that they're in a plan's network before you switch.

Make a list of every doctor, the hospital you'd want, your pharmacy, and your prescriptions with doses. Then check each one by name in the Medicare.gov Plan Finder and call the doctor's office to confirm. If you'd rather see any doctor who takes Medicare, our guide to Medicare Advantage vs. Original Medicare in Texas walks through the trade-off.

If you have Medicare and Medicaid

Webb County has 15 Dual Special Needs Plans for people who qualify for both Medicare and Medicaid, plus 6 plans for certain chronic conditions and 4 for people who live in a nursing home. If you have Medicaid or think you might qualify, see our guide to how Medicare and Medicaid work together in Texas. If paying the Part B premium is hard, our guide to help paying for Part B in Texas covers Medicare Savings Programs.

For drug coverage only, there are 10 stand-alone Part D plans in Texas for 2027, with premiums starting at $5.30 a month. Our 2027 Part D guide has more. If you manage diabetes, our guide to what Medicare covers for diabetes explains supplies, insulin costs, and checkups.

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-time switch if you're in Medicare Advantage

Before you decide, read your plan's Annual Notice of Change, and see our 2027 annual enrollment guide for Texas.

Free local help, in English or Spanish

The South Texas Area Agency on Aging in Laredo (956-722-3995 or 800-292-5426) serves Jim Hogg, Starr, Webb, and Zapata counties. For free, unbiased Medicare counseling, call HICAP at 1-800-252-9240. You can call 1-800-MEDICARE (1-800-633-4227) and ask for an interpreter, 24 hours a day, and Medicare.gov has a full Spanish version where you can compare every plan for your ZIP code. Neighbors to the southeast can see our pages for Hidalgo County and Cameron County.