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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 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, Blue Cross Blue Shield, Central States Indemnity, Cigna, Combined, Continental Life, Equitable, Heartland National, Humana, Oxford Life, Manhattan Life, Medico, Mutual of Omaha, Sentinel Life, Transamerica, United American, United Healthcare AARP and many others.

Comparing Medicare Supplement Insurance Rates

Using our independent insurance agency, you can quickly compare supplemental 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.

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 ($1,340)50%75%50%
Part B Deductible ($183)
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 $183 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 offer a varying amount of coverage depending on what benefits and out-of-pocket expenses you are most comfortable with year over 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 out-of-pocket expenses. Most of our clients purchase either Plan F, G, N or HD Plan F.

Plans K, L, and M 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 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.

High Deductible Plan F is also available from a limited number of supplemental providers. Benefits will not begin until a $2,240 deductible (for 2018) has been met. Premiums are very affordable with High Deductible Plan F from the few carriers that offer it, so this plan can be a wise choice for those comparing supplements to Advantage plans.

The Texas Department of Insurance offers valuable Medicare information and brochures. Click here to view them. We also want our prospective clients to know that Aetna just released a new line of Medicare supplements that are very affordable.

Six Month Medicare Open Enrollment Window At Age 65

Medicare open enrollment occur at age 65 (or when you’re new to Medicare Part B) and includes the three months before and six months after your Part B effective date. This is the time to purchase coverage.

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 or health questions to be answered during your open enrollment window. Outside of this one-time window, you can be turned down for supplemental coverage.

Additionally, 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 and declines. If applying outside of open enrollment, the supplemental insurance provider can decline coverage due to your health history.

If you are under age 65, have been approved for Medicare due to disability and are enrolled in both Parts A and B, 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 as well. We can help you compare Medicare supplements with Advantage plans.

Prescription Part D Drug Coverage In Texas

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 rule 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. And you may save money by using separate companies.

We can help you compare the most suitable (and affordable) Part D plans based on the current prescriptions you are taking. If you are on very few – or none at all – then we have some low cost plans that will avoid the late enrollment penalty.

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.