Medicare Plans in Lubbock and Lubbock County for 2027

Lubbock is the big city of the South Plains. For people in Levelland, Brownfield, Plainview, Slaton, and dozens of smaller towns, it's where you go to see a specialist, get a scan, or stay in the hospital. That makes the Medicare choice you make for 2027 about more than price. It's about whether your plan works with the Lubbock doctors you already drive to see.

Lubbock County's 2027 options

CMS's 2027 plan data shows 20 Medicare Advantage plans in Lubbock County, offered by 5 insurance companies. 14 have a $0 monthly premium, and 14 include Part D drug coverage.

That's a smaller field than you'll see in Dallas, Houston, or San Antonio. With fewer companies, each plan's network carries more weight, so check your doctors and hospitals by name before you switch.

Out-of-pocket maximums range from $3,400 to $9,850, and 8 plans earned 4 stars or higher in CMS's 2027 quality ratings. A $0 premium plan with a high out-of-pocket limit can cost more in a year with a hospital stay, so look at both numbers.

Driving in from a small town?

Your Medicare Advantage choices are set by the county you live in. If you live in Hockley, Lynn, Terry, Hale, or another county around Lubbock, the plans sold where you live may have different networks than Lubbock County plans.

Before you pick a plan, write down:

• Every doctor and specialist you see in Lubbock
• The hospital you'd want to use
• Your pharmacy, including any small-town pharmacy near home
• Your prescriptions and doses

Then check each one against the plans in your ZIP code on the Medicare.gov Plan Finder. If you travel a lot or split time with family elsewhere, our guide to Medicare Advantage vs. Original Medicare in Texas explains how each handles care away from home.

South Plains weather and your health

West Texas weather can be hard on older adults. Summer heat, dust storms, and winter ice can all keep you home or send you to the doctor. A few habits help:

• Keep your Medicare card, any plan card, and a current medication list together where you can grab them.
• Ask your pharmacy about refilling before a big winter storm is forecast.
• Know whether your plan needs referrals or prior approval, so a surprise visit doesn't turn into a surprise bill.

If you have Medicare and Medicaid

Lubbock County has 13 Dual Special Needs Plans for people who qualify for both programs, plus 2 plans for certain chronic conditions and 3 for people who live in a nursing home. If money is tight, see our guide to help paying for Part B in Texas and how Medicare and Medicaid work together in Texas.

Prefer Original Medicare? A Medicare Supplement policy can help with the costs it leaves behind. Our guide to Medigap in Texas covers how those policies work here.

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

For more on the fall deadline, see our 2027 annual enrollment guide for Texas.

Free local help

The South Plains Area Agency on Aging in Lubbock (806-687-0940, or toll-free 888-418-6564) serves Lubbock and 14 surrounding counties. For free, unbiased Medicare counseling, call HICAP at 1-800-252-9240. You can also call 1-800-MEDICARE, compare every plan for your ZIP code on Medicare.gov, or see all Texas counties on our Medicare plans by county page.