Texas Medicare Supplement Insurance Plans

Texas Medicare Supplement plans are designed to fill the gaps left by traditional Medicare coverage. Texas Medicare supplement plans (TX Medigap plans) offer the most comprehensive coverage when compared to other types of Medicare Insurance in Texas, like Medicare Advantage.

Medicare supplement Insurance plans are also the most common choice of Texas residents for Medicare Insurance when combining all Medicare supplement plans “A” through “N”. However, there are situations when plans other than Medicare supplements may fit, and should be considered.

It is generally recommended that Texas residents either purchase Medicare Supplement with a stand-alone Part D. This would provide the most comprehensive coverage and the most freedom to see medical providers of choice with no network restrictions as you would find in a Medicare advantage plan. That is not to say that Medicare advantage (MA) plans are not good choices, just that Medicare Supplemental Insurance plans allow more freedom and fewer co-pays and out of pocket cost when compared with a Medicare Advantage plan. Keep in mind that Medicare Supplement plans in TX will cost a little more.

Texas Medicare Coverage Gaps

Medicare has 2 basic parts: Medicare Part A which is the Hospital Coverage and Medicare Part B which covers out-patient and doctor’s office visits. Most people will qualify for Medicare Part A at no cost because they have qualified and paid in during the years before turning 65. However, there is a premium for Part B that is also adjusted based on income. Most people will pay the basic premium of $104.60 (2015).

Other gaps include deductibles for both part A and Part B, and coinsurance of generally 20%. (That means you pay 20% of the cost for most Medicare covered Medical expenses.)

The best way to pay for these remaining costs which can easily add up to Thousands of dollars or more is to include one of the Medicare supplemental insurance plans available in TX along with your basic Medicare.

For further assistance speak to one of our advisors by completing the Medicare Supplement quotes request form

Medicare Supplement plan statistics for Texas

There were 3,187,332 Medicare beneficiaries living in Texas in 2012.
That number consisted of 12% of the total population in the state.
There were 610,460 Medicare Supplement Enrollees in 2012
That was 19.15% of Texas medicare Population.
There were 982,861 Medicare Advantage Enrollees in 2012
That number represented 30.8% of Texas Medicare population

How does Texas Medicare Supplement Insurance Work?

Texas Medicare Supplemental Insurance plans pay the deductibles and co-insurance left over after Medicare pays its covered portion. Generally speaking Medicare covers 80% and the Medicare Supplement Insurance plans in TX will pay the remaining 20%. Not all plans pay everything and you should see the Medicare Supplement Comparison Chart for more details. However, the most popular plan F will pay everything that is left over whereas, Plans “G” and Medigap Plan “N” leave a few manageable costs for the insured with slightly lower premiums. These 2 Medicare Supplement plans (plan G and plan N) are excellent plans and offer a good value proposition for Medicare Supplements in Texas.

One of the big advantages of all Medicare Supplement plans is that they are accepted by anyone, anywhere that Basic Medicare is accepted. This is another significant difference compared to Medicare Advantage plans that typically are only accepted by doctors and hospitals that have agreed to accept each specific plan. This can be extremely limiting in some cases.

Medicare Supplement Plans in Texas also participate in what is called “cross over billing” which basically means that Medicare coordinates the bills with your Medicare supplement plan and all balances are paid without you ever having to do a thing. If you’d like a free Medicare Buyers guide published by Medicare we will send you one at no cost or obligation. (Click here for Free Medicare Supplement Buyers Guide)

Medicare Disability in Texas

In Texas the only supplemental insurance plan required to be offerered to people under 65 and on Medicare because of a disability is Medicare Supplement plan “A”. All companies that offer Medicare Supplement insurance in Texas are required to offer plan A to those under 65.

As always premiums will vary significantly.

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Texas Medicare Supplement Premiums

Texas Medicare premiums are set by each individual company even though all Medigap plans in TX offer exactly the same insurance benefits vs other identically lettered plans. The factors that affect premiums for Medicare supplement insurance in Texas are each companies overhead cost, claims experience, along with your age, gender, zip code and tobacco use along with other factors. These effect only premiums and won’t affect your coverage once the policy is in place. Since your premiums don’t impact the health coverage it is generally recommended to choose the plan (A thru N) that fits your budget and shop for companies with the best Medicare supplement premiums in Texas for that plan.

Fortunately there is there is the Senior Advisors Group who has agreements with every major Medicare supplement provider in the state of Texas. One phone call will save you the time from shoping and going over all the same details with 3, 4, 5, or 10 different companies. We have every plan offered from every major Medicare Supplement insurance provider in Texas so this will save you all the legwork. Simply fill out the quote request form to get find the lowest premiums in your area.

Its important to remember that in most states including Texas all Medigap plans are standardized. This means a plan “F” from AARP or Humana plan “F” all offer the exact same coverage. We will review all of these companies and find the best Medicare supplement plan for your area, age, and budget. Guaranteed!!

Quotes for Medicare supplemental Insurance in Texas (TX)

To get quotes on Medicare supplement insurance in Texas simply complete the form on this page. We will provide quotes for all of the quality companies offering Texas Medicare Supplements in your area of Texas. Since we do not work for any one insurance company you will get unbiased and objective advice for all plans and help finding the plan and the right insurer to best meet your needs and budget. If you have any questions or if there is any way we can serve you please contact us at 610-399-8700.

If you would like assistance understanding the different Medicare plans, and choosing the one that’s right for you, please complete the form on this page, or call us.

As a consumer, you know Medicare Supplemental Insurance, Medicare Advantage, and Medicare Part D choices can be numerous and overwhelming. Our agents are well trained in all Medicare insurance options and will review your specific situation to provide you several recommendations that we believe best fit your needs as a resident of Texas.

Medicare Supplement Alabama

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Medicare Supplement Arkansas

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Medicare Supplement California

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Medicare Supplement Colorado

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Medicare Supplement Connecticut

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