Texas Medicare Plans

Texas Medicare plans have coverage gaps that could significantly affect your finances if you need frequent or extended hospital visits. Medicare Supplement or Medicare Advantage plans may help fill those gaps.

Medicare Supplements cover costs like deductibles, copays, coinsurance, and more that Original Medicare doesn’t, potentially saving you thousands of dollars. They also offer the flexibility to visit any doctor who accepts Medicare. On the other hand, Medicare Advantage plans provide coverage similar to Original Medicare but with additional benefits, such as prescription drug coverage, and in some cases, they come with no extra premium cost.

Texas Medicare plans open enrollment

In Texas, individuals become eligible for Medicare at age 65. The initial enrollment period starts three months before your birth month and continues for three months after. During this time, you can also apply for Medicare Supplements.

While you can enroll in a Supplement at any time, the initial enrollment period is the ideal time to do so, as you cannot be denied coverage based on your health.

Medigap Plans

Medicare Supplements in Texas help cover some or all of the deductibles and coinsurance left by Original Medicare, potentially saving you thousands of dollars. Original Medicare covers only about 80% of outpatient expenses, and it has no limits on out-of-pocket costs. A supplement can cap your out-of-pocket spending, providing additional financial protection.

One key advantage is the freedom to see any doctor who accepts Medicare, as you're not restricted to specific networks.

There are 10 standardized plans, labeled A through N, which offer the same coverage. The only difference between them is the price, so it’s important to shop around for the best deal. Alternatively, you can use our service to save time and money—we’ll handle the shopping for you!

Starting in 2020, new Medicare enrollees in Texas will no longer be able to select Medigap Plans C or F. However, current beneficiaries with these plans can keep them.

Since these plans are standardized by the federal government, the main difference is in cost. Be sure to compare policies to ensure you’re getting the best value.

Medicare Advantage plans

Texas offers up to 54 Medicare Advantage plans, depending on your county of residence. Also called Medicare Part C, Medicare Advantage is a private plan that covers all the benefits of Original Medicare, with additional perks such as dental, vision, and prescription drug coverage. In Texas, the open enrollment period for Medicare Advantage runs from January 1 to March 31. During this time, individuals already enrolled in Medicare Advantage can switch to a different plan or choose to return to Original Medicare.

Medicare Part D

Original Medicare and Medicare Supplement plans do not include prescription drug coverage, but you can enroll in Medicare Part D for this benefit. In Texas, there were 27 Part D plans available in 2019. If you want to avoid paying out-of-pocket for prescriptions, consider enrolling in a Medicare Advantage plan or a standalone Part D plan.

How we can help

Our licensed Medicare Plans specialists are here to assist you at no cost. We are dedicated to helping you find a plan that suits your needs. Since Medicare Supplement plans must provide standardized coverage by law, the only difference is the price. We’ll compare your options and find you the most affordable plan.

Take advantage of our free service, so you can be confident you're getting the best value for your healthcare coverage.

Want more help understanding

TEXAS MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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