Texas Medicare Supplements
Get a Quote »We offer Medicare supplement insurance quotes in Texas from several reputable carriers. We are your one-stop shop for comparing Medigap rates and enrolling direct with several highly rated carriers.
We represent AARP, Assured Life (Woodmen of the World), Blue Cross Blue Shield, Forethought, Gerber Life, Heartland, Sentinel Life, Family Life, Mutual of Omaha, United Healthcare and several others.
Compare Texas Medicare Supplement Insurance Rates
Using our independent insurance agency, you can quickly compare prices from several competing carriers in order to find the most suitable coverage at the best price. It is wise to speak with our agency to learn about spousal discounts, preferred rates, and the most affordable billing methods.
Supplemental prices are controlled by law, so you will not find a better rate from the same carrier anywhere else online or in person. We diligently work with our clients to help them enroll in the most affordable coverage that best suits their present and future needs.
Medicare Supplement Benefit & Coverage Chart
| Medicare Supplements | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic Benefits | Y | Y | Y | Y | Y | Y | Y | Y | Y | Y |
| Parts A and B Blood | Y | Y | Y | Y | Y | Y | 50% | 75% | Y | Y |
| Part B Coinsurance | Y | Y | Y | Y | Y | Y | 50% | 75% | Y | Y |
| Part A Hospice Coinsurance | Y | Y | Y | Y | Y | Y | 50% | 75% | Y | Y |
| Skilled Nursing Coinsurance | Y | Y | Y | Y | 50% | 75% | Y | Y | ||
| Part A Deductible ($1,156) | Y | Y | Y | Y | Y | 50% | 75% | 50% | Y | |
| Part B Deductible ($140) | Y | Y | ||||||||
| Part B Excess | Y | Y | ||||||||
| Foreign Travel Emergency | Y | Y | Y | Y | Y | Y | Y |
Plans A, B, C, D, F, G, K, L, M and N
There are ten modernized Medicare supplement plans to choose from in Texas. Each offer a varying amount of coverage depending on what benefits and out-of-pocket expenses you are most comfortable with each year.
Plan F is the most comprehensive as it fills in all gaps in Medicare and therefore is most popular. Plan G covers everything but the Part B deductible and has very little in potential out of pocket expenses. Most seniors purchase Plans C, D, F or G.
Plans K, L, M, and N require more cost sharing by the insured, but do offer lower monthly premiums. As with most insurance polices, the less expensive the plan, the more out-of-pocket exposure to the insured.
Other lower cost options include “select plans” that require the insured to use a network of doctors and hospitals for regular care. Premiums will be less for Medicare select plans, but care received outside of the network will not be covered unless it’s for emergency services.
High deductible Plan F is also available from a limited number of supplemental providers. Benefits will not begin until a $2,070 deductible has been met with a high deductible Plan F. Premiums are very affordable with HD F from the few carriers that offer it, so this plan can be a wise choice for those comparing supplements to Advantage plans.
Medicare Open Enrollment Window Age 65
Open enrollment is for seniors age 65 and includes the three months before and after their birthday month.
During open enrollment, any Medicare supplement can be purchased in Texas without the need for medical underwriting.
There is no waiting period for preexisting conditions that needs to be satisfied after open enrollment.
Additionally, if you are involuntarily losing employer group coverage after age 65, you will also be afforded an open enrollment window where most Medicare insurance plans will be available without underwriting.
It is very important for seniors to take advantage of this period of time in order to avoid future medical underwriting. If applying outside of open enrollment, then the supplemental insurance provider can decline coverage due to health history.
If you are under age 65, have been approved for Medicare disability, and are enrolled in both Parts A and B, then you can purchase Plan A. No other supplement plans are available other than Plan A at this time for those on disability.
Prescription Part D Drug Coverage Quotes
Part D is the fourth piece of the Medicare puzzle and refers to stand-alone drug coverage plans. Some Medicare Advantage plans include drug coverage, but by law Medicare supplement and Part D plans must be sold separately.
Oftentimes these two plans can be purchased from the same provider (like AARP or Blue Cross Blue Shield for example) but they will always require two separate premium payments from the insured.
It is best to have your agent screen your current prescriptions using the software available online before enrolling in Part D coverage. This way, you can get a fairly accurate idea of your out-of-pocket expenses each year.
Request Quotes and Information
We are an independent agency offering supplemental insurance rates in all of Texas. We serve the entire state and can help you enroll direct (at no additional cost) in the Medigap and Part D plan that best fits your needs and budget.
If you in open enrollment, losing group coverage, dropping an Advantage plan or simply shopping for better rates on your existing coverage – we can help.
