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Guide to Medicare Supplement Plans in Texas for 2021

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Medicare Supplement plans in Texas can vary in cost depending on the company, plan, and zip code. Generally, Texas Medigap rules are the same as all other states. In this context, we’ll discuss the different options Texans have with Medicare and the state-specific guidelines you should know.

How Does Medicare Work in Texas

Part A covers your inpatient costs, but not all of them. Part B covers outpatient costs, but only 80%. Leaving you with many gaps in coverage that could cost you more than anticipated. That’s where Medicare Supplement plans come into play. Also known as Medigap, these plans fill in those gaps in coverage so you can have more predictable healthcare costs in the future. The prescription part of Medicare is Part D.

Many beneficiaries in Texas choose to enroll in Part A, Part B, Part D, and a Medigap plan to give them the most comprehensive coverage. The alternative is a Medicare Advantage plan. However, it’s important to compare the advantages and disadvantages of Advantage plans prior to enrolling.

Best Medicare Supplement Plans in Texas

The best plan for your neighbor likely isn’t the best plan for you. There are many Medigap plans to choose from, but the most popular plan is Plan F. Plan F leaves you with zero out of pocket costs aside from your monthly premium. 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. 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.

When is the Best Time to Apply for a Medicare Supplement Plan in Texas?

The best time to apply is during your 6-month Medicare Supplement Open Enrollment window. You can enroll at any time of the year. If you choose to do so outside your open enrollment window, you may have to go through medical underwriting.

How Much Do Medicare Supplements Cost in Texas?

This 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.

If you don’t want a high-deducible, then a standard plan will cost around $100 a month. 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. There are many different factors that can impact your rates.

Household Discounts

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

Medicare Advantage Plans in Texas

Medicare Advantage in Texas Before 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 37% 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.

Best Medicare Advantage Plans in Texas with a 4.5 Rating

  1. SeniorCare Advantage Select Rx (HMO)
  2. SeniorCare Advantage Preferred Rx (HMO)
  3. SeniorCare Advantage Premium Rx (HMO)

Medicare Part D in Texas

Texas Medicare Part D Prescription Drug Plans Medigap and Medicare don’t cover Part D; you’ll need a stand-alone policy or an Advantage plan that includes benefits for prescriptions.

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.

How Much is Part D in Texas?

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.

Q&As

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.
Do I qualify for Medicare in Texas if I'm collecting disability?
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.
Do I get Guaranteed Issue Rights if I lose Medicaid in Texas?
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.

How to Apply for Medicare 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.

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