Texas Medicare Supplement Plans: Get Medicare in Texas

Medicare Supplement Insurance Plans in Texas

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What Are the Medicare Supplement Insurance Plans in Texas?

If you’re a Texas Medicare recipient, you may need to bridge the gap between what is and isn’t covered by Medicare Parts A and B. A Medicare Supplement Insurance plan in Texas can help cover out-of-pocket costs left over by Medicare Parts A and B coverage, like copayments, coinsurance and deductibles. Also referred to as Medigap, Medicare Supplement Insurance plans are offered by private insurance companies throughout Texas.

Medicare Supplement Insurance Plans in Texas - Image

In 2023, residents of Texas have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Texas residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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Most Popular Medicare Supplement Plans in Texas

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Texas. The statistics below outline the Medigap plans that Lone Star State residents have selected. Throughout Texas, insurance companies that sell Medigap plans offer the same basic benefits. However, there may be different prices depending on where you live and the insurance carrier. In addition, each insurer in Texas may not offer each of the Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 931,380 Texas beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Texas enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	5,346	2,432	9,265	5,887	606	387,814	416,173	1,036	2,472	16,469	3,892	1,855	20	76,705

Source:

AHIP

(2021)

While a Medigap plan will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Texas Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Texas Medicare Advantage plan.

To learn more about your Medicare Supplement Insurance plan options in Texas, you can work with a SelectQuote licensed insurance agent. Our licensed insurance agents can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Insurance plans in Texas.

Texas residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

Texas Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Texas Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.

Texas residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Texas residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. It’s a smart idea to get a jump on enrollment. You can enroll as early as 64 and 6 months of age. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for a Medicare Supplement Insurance plan outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a Texas Medicare Supplement Plan Right for You?

Throughout the Lone Star State, you’ve got options. SelectQuote is an independent third-party company specializing in helping consumers understand their Medicare options. We can help ensure you’re getting all the Medicare benefits available to you while staying up to date with annual plan changes. SelectQuote is here to help you find the right Medicare Supplement Insurance plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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