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Medicare Supplement Plans in Texas


Medicare Supplement plans in Texas cover the costs Medicare Part A and Part B (Original Medicare) leave for the beneficiary to pay. Medicare Supplement costs can vary depending on the company, plan, and your ZIP Code.

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Generally, Medicare Supplement plans in Texas follow the same rules as most other states. Below, we discuss the different options Texans have for Medicare coverage and the state-specific guidelines you should know.

How Do Medicare Supplement Plans in Texas Work?

Original Medicare consists of two parts. Medicare Part A covers inpatient costs, and Medicare Part B covers outpatient costs.

However, Original Medicare leaves the beneficiary responsible for copayments, deductibles, and coinsurances. Thus, you can be stuck with many gaps in coverage that could cost more than anticipated.

Medicare Supplement plans step in to help cover these costs. Also known as Medigap, these plans fill in those gaps in Original Medicare coverage so you can have more predictable health care costs in the future.

The federal government standardizes Medicare Supplement plans in Texas to provide identical coverage regardless of carrier. Ten standardized Medicare Supplement plans are available in Texas, plus two high-deductible versions.

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Best Medicare Supplement Plans in Texas

The best Medicare Supplement plan in Texas may not be the best plan in another state. Likewise, the best Medicare Supplement plan for you may not be the best plan for your neighbor. The best Medicare Supplement plans are subject to the needs of each beneficiary.

While there are many Medicare Supplement plan options in Texas, the most popular plan for enrollees is Medicare Supplement Plan F. Medigap Plan F leaves you with zero out-of-pocket costs aside from your monthly premium. So, if you are looking for complete health care coverage, this is the plan for you.

The downside to Medicare Supplement Plan F is that new Medicare beneficiaries are not eligible for the plan. Yet, many who are ineligible are finding a silver lining. Medicare Supplement Plan G is quickly becoming one of, if not the most popular Medicare Supplement plan in Texas.

The difference between the two plans is that Medicare Supplement Plan F covers the Medicare Part B deductible, whereas Medicare Supplement Plan G does not cover this expense. However, when comparing costs between Medigap Plan F and Plan G, Plan G is often more cost-effective.

Further, beneficiaries see savings on Medigap Plan G even after paying the Medicare Part B deductible out-of-pocket. It is no surprise this plan has been drawing in a high number of enrollees.

Additionally, if you are searching for a plan to cover your basic needs at a low cost, Medicare Supplement Plan N or High Deductible Plan G could make the most sense for your situation. The easiest way to identify suitable coverage is by allowing a licensed agent to guide you through a side-by-side plan comparison and estimate your annual out-of-pocket costs.

Keep in mind that Texas allows Medicare Part B excess charges. You will usually not encounter these, but if you do, Medicare Supplement Plan N or any lesser Medigap coverage does not protect you from the expense. However, Medigap Plan F and Plan G provide coverage for excess charges.

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Medigap Plans in TX for the Disabled Under 65

If you become eligible for Medicare under the age of 65 due to a disability in Texas, you may enroll in a Medigap plan. When you first enroll in Medicare Part A and Part B, you receive a Medicare Supplement Open Enrollment Period. During this time, you have free rein to enroll in the Medicare Supplement plan of your choice.

Insurance companies that offer Medigap plans in Texas must provide at least one option to those who qualify due to a disability. Thus, your plan options may be limited. Additionally, Medicare Supplement plan costs are not regulated, and prices tend to be very high for those under age 65.

Often, Medicare beneficiaries under 65 enroll in a Medicare Advantage plan until they age into Medicare at 65. At this time, you will receive a second Medicare Supplement Open Enrollment Period and can enroll in a Medigap plan at a much lower cost.

When is the Best Time to Enroll in Medigap Plans in Texas?

The best time to enroll in Medicare Supplement plans in Texas is during your six-month Medicare Supplement Open Enrollment window. At this time, you can enroll in a plan without needing to answer underwriting health questions.

If you miss enrolling in a plan during this time, you can still sign up at any time of the year. Although, if you choose to do so outside your open enrollment window, you may have to go through medical underwriting. This series of health questions means the company can deny your application or charge you higher premiums if you have a pre-existing condition.

Yet, if you become eligible for a Special Enrollment Period, you may receive guaranteed issue rights to enroll in a Medicare Supplement plan without health questions. Guaranteed issue rights include scenarios like loss of Medicaid, moving out of your plan’s service area, and more.

Cost of Medicare Supplement Plans in Texas

The cost of Medicare Supplement plans in Texas depends on a few different factors. These factors include the plan’s level of coverage, age, gender, location, and more. Monthly premiums can range anywhere from $50 to $300.

Because monthly premium costs are not standardized like plan benefits, it is wise to compare plan costs before enrolling with the first carrier available in your area. Finding the highest-rated carrier at the lowest price point is the key to enrolling in the best Medicare Supplement plan in Texas.

FAQs

Do I qualify for Medicare Supplement plans in Texas if I'm collecting disability?
If you collect Social Security Disability Income (SSDI) for at least 24 months, you are eligible for a Medicare Supplement plan in Texas. However, carriers do not need to offer all plans to those under 65. Also, the cost of a Medigap plan may be much higher when you are under 65.
Who qualifies for Medicare in Texas?
An American citizen or legal resident of at least five years who is 65 or older is eligible for Medicare. Also eligible for Medicare is anyone collecting SSDI for at least 24 months or with a diagnosis of ALS or ESRD. Medicare eligibility is standard across the United States, and no part of eligibility for Original Medicare is specific to Texas.
Do I get guaranteed issue rights if I lose Medicaid in Texas?
Not every state will grant guaranteed issue rights when you lose Medicaid. The good news for Texans is that almost every carrier does. A Medicare Advantage Plan may be an option for those who find Medigap premiums unaffordable.

How to Apply for Medicare Supplement Plans in Texas

Enrolling in the right Medicare Supplement plan is essential for a bright future in your health care. We understand searching for a policy can be overwhelming. That is where we come in.

At MedicareFAQ, our agents are experts. They stay up-to-date with the latest Medicare changes to ensure you make the right choice for your coverage the first time,

Plus, our services are always 100% free. We'll compare rates from 30+ top carriers to find the right match for your needs.

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

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. MedSup, Texas Insurance. Accessed April 2022.
    https://www.tdi.texas.gov/pubs/consumer/medsup.html
  2. Whats Medicare Supplement Insurance, Medicare . Accessed April 2022.
    https://www.tdi.texas.gov/pubs/consumer/medsup.html

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

6 thoughts on “Medicare Supplement Plans in Texas

  1. My Medicare will begin in December. Will I be required to remain on my husband’s insurance through his employer or do I have the option to get off of his insurance so Medicare will be primary and find a supplement?

    1. Hi Stephanie! You’re not required to stay on your husbands’ insurance, but you can if that’s the best option for you. It really comes down to how many employees his employer has and which coverage is better for your healthcare needs. Usually, Original Medicare in combination with Medigap & Part D gives you better coverage and less out-of-pocket when compared to group employer coverage. However, the premium for Part B, Medigap, & Part D may be more than the premium for employer coverage.

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