Baylor Scott & White Health Plan Medicare Advantage 2024-2025 Review

Baylor Scott & White has good star ratings and happy members, but its plans are only available in parts of Texas.

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Written by Alex Rosenberg
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The bottom line: Baylor Scott & White Health Plan Medicare Advantage plans are available in 49 Texas counties. It gets above-average star ratings, scoring especially well on measures of member experience. But competitors might offer more $0-premium options or plans available in more locations. Jump to: Full Review

Baylor Scott & White Health Plan Medicare Advantage - Chapter

Baylor Scott & White Health Plan

4.41

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

Baylor Scott & White Medicare Advantage pros and cons

Pros

Star ratings: Baylor Scott & White gets above-average star ratings from the Centers for Medicare & Medicaid Services (CMS) for 2025.

Member experience: Baylor Scott & White Health Plan gets great member experience ratings on metrics including customer service and care coordination.

Cons

Fewer $0-premium options: Baylor Scott & White Health Plan has fewer $0-premium plans than major Medicare Advantage companies. 

Limited availability: Baylor Scott & White plans are available only in 49 of the 254 counties in Texas.

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC (product card)

UnitedHealthcare

3.82

CMS Star Rating

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Aetna Medicare Advantage

Aetna

4.27

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

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Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.82

CMS Star Rating

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from UnitedHealthcare

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Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

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from Humana

5am - 8pm, daily PST

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(866) 215-2655

TTY 711

» More options in our roundup of the best Medicare Advantage plans

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Baylor Scott & White Medicare star ratings

Average star rating, weighted by enrollment: 4.41

Baylor Scott & White Medicare Advantage plans are rated above the industry average, receiving an average rating of 4.41 stars out of 5 from CMS for 2025, weighted by enrollment

Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables (ZIP). Accessed Oct 24, 2024.
.

For comparison, the average weighted star rating for plans from all providers is 3.92

Centers for Medicare & Medicaid Services. Fact Sheet - 2025 Medicare Advantage and Part D Star Ratings. Accessed Oct 24, 2024.
.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with Medicare's plan finding tool.

What does Baylor Scott & White Medicare Advantage cost?

In 2025, about 40% of Baylor Scott & White's Medicare Advantage plans with prescription drug coverage have $0 premiums

Centers for Medicare & Medicaid Services. CY2025 Landscape (202410). Accessed Oct 24, 2024.
. Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024.

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.

  • Whether you require extra benefits, and whether the plan charges for them.

To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Baylor Scott & White plans or compare across carriers.

Baylor Scott & White Medicare Advantage plan types

Baylor Scott & White offers HMO and PPO Medicare Advantage plans. About two-thirds of Baylor Scott & White Medicare Advantage plans include prescription drug coverage.

Plan offerings include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Baylor Scott & White Medicare Advantage service area

Baylor Scott & White Health Plan offers Medicare Advantage plans in 49 counties in Texas. The company covers about 30,000 Medicare Advantage beneficiaries

Centers for Medicare & Medicaid Services. Monthly Enrollment by Plan. Accessed Oct 24, 2024.
.

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Baylor Scott & White Health Plan Medicare Advantage - Chapter

Baylor Scott & White Health Plan

4.41

CMS Star Rating

Baylor Scott & White sells Medicare Advantage plans in 49 Texas counties. It gets above-average star ratings from CMS, scoring especially well for member experience, but offers fewer $0-premium plans than some competitors.

(855) 432-0512 / TTY 711

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

States available

1 state


Members in high-rated plans

High (85% to 100%)


Member experience

4.64 (Above average)


States available

1 state


Members in high-rated plans

High (85% to 100%)


Member experience

4.64 (Above average)


Pros

  • Above-average star ratings.
  • High scores for measures of members' experience with Baylor Scott & White plans.

Cons

  • Fewer $0-premium plan options than some competitors.
  • Available only in 49 of Texas' 254 counties.

Medicare will have big changes in 2025. Compare Medicare Advantage plans