Medicare Supplement Plans in Texas

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Texas Medicare Supplement Plans vary in cost depending on the company, plan, and service area. Depending on your situation, one policy could be more beneficial than another.

In this context, we’ll discuss the different options Texans have with Medicare and the state-specific guidelines you should know.

We’ve updated all our information regarding Texas Medigap Plans for 2020 below.

Guide to Medigap Plans in Texas 2020

Generally, Texas Medigap rules are the same as the federal guidelines. First, we’ll go over some standard information you should know about all Medicare Supplement plans.

Applies to all Medigap plans in the United States:

  • You can see any doctor that accepts Medicare
  • The Plans are Guarantee Renewable
  • You don’t need a referral for a specialist

Medicare Supplements Rules Specific to Texas

In Texas, some carriers offer a 7% spousal discount, while others provide a 12% household discount.

When it comes to being eligible for Medicare due to disability, some states offer plans to those under 65. Most states have higher premiums for those under 65, and some states don’t require insurance companies to provide options.

Texas does offer one plan to those on disability, Plan A; but, it comes at a high price. For example, costs run between $400-$500 a month.

In Texas, some companies apply a tobacco rate increase while others do not. If you smoke, it’s beneficial to know which carriers have higher tobacco rates.

Not every state will grant Guaranteed Issue Rights when you lose Medicaid. Good news for Texans, almost every carrier does.

But for some, Medigap premiums aren’t always affordable. In this case, a Medicare Advantage Plan may be an option.

Best Medicare Supplement Plans in Texas

The answer to this question is unique to each beneficiary. So, the best plan for your neighbor likely isn’t the best plan for you.

The most popular plan is Plan F. But, if you’re eligible for Medicare after 2020, this plan won’t be available to you.

You’re next best option is Plan G. The difference between the two is Plan F covers the Part B deductible, and Plan G doesn’t.

The average Plan G in Texas costs between $95-$160 per month. While costs vary among insurers, the benefits don’t change. That’s why it’s crucial to compare the same letter plan across multiple carriers.

Some beneficiaries will find Plan N or High Deductible Plan G make the most sense for their situation. The easiest way to identify suitable coverage is by allowing an agent to guide you through the process.

Medicare Advantage Plans in Texas

Medicare Advantage in TexasBefore enrolling in an Advantage Plan, you must understand the difference between Medicare Advantage & Medigap Plans.

Yes, there’s a hype that these policies include extra benefits like dental, vision, and hearing. But, they come with restrictions.

Some plans cover Part D, but, there may be high deductibles on medications.

Depending on if you choose an HMO or PPO, your monthly premium could be zero. But, the rule of thumb is “the less you pay in premiums, the higher your other costs.”

According to KFF, about 36% of Medicare-eligible state residents in Texas enrolled in a Medicare Advantage plan. Although, in Harris County, most Advantage enrollees have a narrow doctor network.

So, if you’re seeing doctors you value, it could be in your best interest to consider a Medigap policy.

Texas Medicare Part D

Texas Medicare Part D Prescription Drug PlansMedigap and Medicare don’t cover Part D; you’ll need a stand-alone policy or an Advantage plan. Unless you have creditable coverage, like employer group coverage, then you could be penalized for not enrolling in Part D when you first became eligible.

Another form of creditable coverage is veterans’ benefits. But veterans benefits are only considered creditable coverage under Part D, NOT Part B.

Part D policies in Texas can cost as low as $10 and as much as $140 monthly. Not all beneficiaries take medications; but, some coverage is better than no coverage.

The best way to find affordable coverage is through an agent. The $10 plan might have a cheap premium, but for someone taking lots of medications, this policy could end up costing more than it’s worth.


Texas Medicare Q&As

How Much Do Medicare Supplements Cost in Texas?

The answer to this question depends on the level of benefits you want. If you want the most benefits with the lowest premium, then a high-deductible plan might be your best option.

They cost between $30-$45 a month and come with a $2,340 deductible. If you don’t want a high-deducible, then a standard plan will cost around $100 a month.

Who Qualifies for Medicare in Texas?

Anyone at least 65 years old or anyone collecting SSDI for 24 months qualifies for Medicare. Medicare eligibility is standard across the United States; this isn’t specific to Texas.

How Does Medicare Work in Texas?

Medicare works the same way in Texas as it does in every other state. Part A is your inpatient coverage & Part B is your outpatient coverage. Medigap helps fill the gaps in coverage, and Part D covers drugs.

Medicare Advantage plans aren’t available in all areas.

How can I apply for Medicare in Texas?

If you’re collecting Social Security benefits, you’ll have automatic enrollment in Medicare. Otherwise, you can register online.


Get Help with Medicare Supplement Plans in Texas

We understand searching for a policy can be overwhelming. Our agents are experts. They stay up to date with changes to make sure you can make the best choice.

Our services are 100% free. We’ll compare rates with over 30+ carriers. We verify carrier rates, history of rate increases, as well as the financial ratings of each company.

Also, when you enroll in a plan through us, you’ll have support from our Client Care Team. To get help today, call us at the number above. You can also use our online rate comparison tool to see rates in your area now.