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Medicare Supplement Insurance Plans In Texas

Texas Medicare Supplement InsuranceWe offer Texas Medicare supplement insurance plans and quotes from several reputable carriers online, direct  and hassle free.

We are your one-stop shop for comparing the lowest rates from several carriers in TX side by side.

We represent Aetna, American National Life of Texas, Bankers Fidelity, Blue Cross Blue Shield, Central States Indemnity, Cigna, Combined, Continental Life, Equitable, GPM, Heartland National, Humana, Liberty Bankers, Manhattan Life, Medico, Mutual of Omaha, Sentinel Life, Transamerica, United American, United Healthcare AARP, Western United Life and many others.

Comparing Medicare Supplement Insurance Rates

Using our independent insurance agency, you can quickly compare supplemental prices from several competing companies in order to find the most suitable coverage at the best price. It is wise to speak with an independent brokerage like ours to learn about spousal discounts, preferred rates and the most affordable billing methods.

Supplemental prices in Texas are controlled by law, so you will not find a better Medigap rates from the same carrier anywhere else – either online or in person. We diligently work with our clients to help them enroll in the most affordable coverage that best suits their needs. We will also review your rates on your annual renewal to make sure you’re getting the best deal possible.

We are a full service agency. We offer Medicare supplements, Part D drug, Medicare Advantage, dental, vision and other lines of insurance. You can finalize all of your insurance plans at one place while also knowing we will provide ongoing support in the future. There are no extra costs for our services. We bring all plans to you direct.

2018 Medicare Supplement Benefits Chart

Medicare Supplement:ABCDFGKLMN*
Basic Benefits
Parts A and B Blood50%75%
Part B Coinsurance50%75%
Part A Hospice Coinsurance50%75%
Skilled Nursing Coinsurance50%75%
Part A Deductible ($1,364)50%75%50%
Part B Deductible ($185)
Part B Excess
Foreign Travel Emergency

Key: A ✓ means the benefit on the left is covered by the corresponding supplement up top. For example, Plan G checks all boxes except for the Part B deductible – so it covers all gaps in Medicare Parts A & B except for the $185 Part B deductible. *Plan N has $20 dr’s office and $50 ER copays.

Most Popular Supplement Plans F, G and N In Texas

There are ten modernized Medicare supplement plans to choose from. Each plan offers a different level of coverage. You can fill in all gaps – or just the ones that are most important to you. We can help you understand where the best values are to be found.

Plan F is the most comprehensive policy. It fills in all gaps in Medicare and therefore is very popular. Plan G covers everything but the Part B deductible and has very little in out-of-pocket expenses. Plan N is just a step below Plan G – it requires office and emergency room copays that the others do not. Lately, we see more demand for Plan G and Plan N over Plan F.

There are a couple of reasons for this, but it’s primarily because Medicare supplement Plans G and N can offer more value. In Texas, the rates can be $20-$30 less a month. And Plan F will no longer be offered to new Medicare beneficiaries after 2020. This change may result in higher premium increases on Plan F.

There are also supplemental Plans K, L, and M. They require more cost sharing, 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. We don’t see too much interest in these three policies.

Other lower cost options include “Select Medicare supplement 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. Only a few companies offer Medigap Select Plans. Many traditional policies can be found at the same cost -so Select policies are not a big seller.

High Deductible Plan F is also available from a limited number of supplemental providers. Benefits will not begin until a $2,300 deductible (for 2019 has been met. Premiums are very affordable with High Deductible Plan F, so this plan can be a wise choice for those comparing supplements to Advantage plans. This policy will also be leaving the market for new enrollees in 2020. Be on the lookout for the new High Deductible Plan G over the next year or so. Rates will be very affordable with this plan as well.  As low as $30 a month in some areas of Texas.

The Texas Department of Insurance offers valuable Medicare information and brochures. Click here to view them. You should also know that new supplements are being introduced all the time. We keep up with these new offerings so you can separate the known from the unknown. Shopping on present rates only can cause future difficulties. We will discuss rate increase history and company reputations with you as well.

Six Month Medicare Open Enrollment Window At Age 65

Medicare open enrollment occurs at age 65 for most. It can being sooner if you qualify early du to disability – or later if you defer Medicare Part B because you still have employer based group insurance.

It includes the three months before, month of, and three months after your Part B effective date. This is the time to purchase a Medicare supplement, Part D or Medicare Advantage plan.

During open enrollment, any Texas Medicare supplement insurance plan can be purchased without the need for medical underwriting of any kind. There are no waiting periods for preexisting conditions – and no health questions to answer. Outside of your one-time window, you can be turned down for a Medicare supplement plan due to medical underwriting requirements. If you’re not sure about how these rules work, then call us. There is a lot of misinformation out there that creates problems for those who don’t abide by their specific timelines.

If you are losing group health coverage after age 65, you will also be afforded an open enrollment window. It is very important to take advantage of your open enrollment window in order to avoid medical underwriting, enrollment delays and lifetime monetary penalties. If applying outside of open enrollment, the supplemental insurance provider can ask you about your health history and ultimately turn you down for coverage.

If you are under age 65 and approved for Medicare due to disability, then you can purchase Plan A in Texas. In some areas, High Deductible Plan F will be available as well. Insurance companies are allowed to charge higher rates for those under age 65, so a Medicare Advantage plan might be a good choice too. We can help you compare your best Medicare supplements with the Advantage plans available in your county of residence.

Medicare Supplements & Part D Drug Coverage

Part D drug plans are the fourth piece of the Medicare puzzle. There are stand-alone prescription drug coverage plans that are paired with your Medicare supplement coverage. (Some Medicare Advantage plans include drug coverage, but Medicare supplements and Part D plans must be sold separately.)

Oftentimes these two plans can be purchased from the same provider (like Aetna, United Healthcare AARP or Blue Cross Blue Shield for example) but they will always be separate policies requiring two separate premium payments. It’s wise to shop for your drug coverage independent of the Medigap supplement you chose. Your best option will depend on the Rx’s you take and where you go to fill them. Comparing all of your options during the AEP Open Enrollment window in the fall each year can save you hundreds of dollars.

We can help you compare all of the Part D drug plans based on the current prescriptions you take and your pharmacy of choice. If you are on very few prescriptions – or none at all – then we will help you find the least expensive plan. This way you won’t later encounter the dreaded Late Enrollment Penalty. This lifetime penalty is a financial burden for those who went without coverage for any amount of time.

Request Medicare Quotes, Information & Assistance

We are an independent brokerage offering Texas Medicare supplement insurance plans, quotes and enrollment direct to our clients. We serve the entire state and can help you enroll (at no additional cost) in the supplement, Part D plan or Advantage plans that best fits your needs and budget.

If you’re in open enrollment, losing group coverage, dropping an Advantage plan or simply shopping for better rates on your existing coverage – we can help.