Medicare Supplement in Texas

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 09/16/2018

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If you’re a Texas resident who’s new to Medicare, you may have heard that Medicare Supplement plans can help with certain out-of-pocket costs. Here’s an overview of how Medicare Supplement plans in Texas work, including eligibility, when you might want to enroll, and how to find a policy that may fit your situation.

How do Medicare Supplement plans in Texas work?

Medicare Supplement plans in Texas, as in all states, are offered through private insurance companies. Also known as Medigap, Medicare Supplement plans might help with certain costs that Original Medicare (Part A and Part B) doesn’t cover, such as:

In most states, including Texas, there are up to 10 standardized Medicare Supplement plans available, and benefits are the same across plans of the same letter type (although some plans might include extra benefits). So, for example, a Plan F would have the same standard coverage throughout the state, no matter where you got the plan or where you live. This comparison chart goes over benefits for all 10 Medicare Supplement plans.

Am I eligible for Medicare Supplement plans in Texas?

To be eligible for a Medicare Supplement plan in Texas, you must have Original Medicare, Part A and Part B. In general, the best time to enroll is during your Medigap Open Enrollment Period, which starts the first month you’re 65 or older and have Part B. During this six-month time frame, you have a “guaranteed-issue right” to any Medicare Supplement plan offered in your location, regardless of pre-existing conditions. Insurance companies can’t turn you down for coverage or charge you higher premiums because of your health issues. The insurance company might delay coverage for a pre-existing health condition for up to six months, in some cases. It can be harder to switch Medicare Supplement plans or enroll for the first time without a guaranteed-issue right if you have medical issues.

Although not all states require insurance companies to sell Medicare Supplement plans to qualified Medicare beneficiaries under 65, Texas does. If you have Medicare through disability or because of certain health conditions, Texas requires companies that sell Medicare Supplement plans to offer Plan A. If you’re under 65, you have a Medigap Open Enrollment Period that starts once you enroll in Medicare Part B; during this six-month period, you have a guaranteed-issue right to get Medicare Supplement Plan A only. You’ll also typically get another six-month Medigap Open Enrollment Period to enroll in or switch Medicare Supplement plans when you turn 65, and you may have more choices at this point.

How can I find Medicare Supplement plans in Texas?

Medicare.com has a handy Medicare Supplement plan finder tool that makes it easy to find and compare Medicare Supplement plans in your area. You can also take a look at Medicare in Texas if you’d like more information about other types of Medicare coverage in Texas.

Do you have questions about Medicare Supplement plans in Texas that might work for you? I can guide you through different plan options. You can use the links below to schedule a phone appointment or request an email from me with personalized plan information. Or, to get started on your own time, click the Compare Plans button.

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