Texas Medicare Supplement plans are available to anyone who is eligible for Medicare Part A and Part B. These plans cover all or most of any out-of-pocket expenses that Medicare does not.  This includes things like deductibles and coinsurance. Texas Medigap Plans are lettered A – N and each plan varies in coverage.

How To Enroll in a Texas Medicare Supplement Plan

All Texas Medicare Supplement policies are offered by private insurance companies. Anyone who is at least 65 years old and within 6 months of enrolling in Medicare Part B is guaranteed Medigap Coverage whether they have  pre-existing conditions or not.  This is referred to as the “open enrollment period”.   I you are under  65 and qualify for Social Security disability benefits, you may still apply for a Texas Medicare Supplement. The same open enrollment period applies, which is guaranteed coverage within 6 months of the Part B effective date.

Coming off Employer Coverage into a Texas Medicare Supplement

For people over the age of 65 and who happen to lose employer medical coverage a “guaranteed issue” period applies. This period for 63 days from the day your group coverage ends. You may be guaranteed issue into certain Texas Medicare Supplement plan letters during this time. Check with a YourMedicareSupplement.com advisor to determine eligibility.

All Texas Medicare Supplement insurance policies have a “free look” period of 30 days. This allows you to return or cancel a Texas Medicare Supplement policy if you are not satisfied and have all your premiums refunded to you.

Renewing a Texas Medicare Supplement

Texas Medicare Supplemental Insurance is “guaranteed renewable”. Insurance companies may not cancel your policy based on your own health claims as long as you pay your premiums and have not been dishonest.

Also your Medigap Premiums will never be raised based on your own claims. Rate increases are based on the factors of the group you are in.

How to Find the Best Texas Medicare Supplement

There are many Medicare Supplemental Insurance Plan in Texas. We help you find the best coverage from the top companies, but in reality they all have the exact same plans and benefits. This is because the plans are “standardized”. For example, this means a Medigap Plan F from United of Omaha is identical coverage to a Medigap Plan F from AARP. However, the premiums can often are quite different between each company.

Texas Medicare Supplement – Do you Qualify?

Often those who are turning 65 can apply for a Texas Medicare Supplement up to 6 months before their Medicare Part B effective date. May people take advantage of their open enrollment or guaranteed issue period to not have to go through medical underwriting.  Also by applying early you may be able to lock in your rate to avoid any increases prior to your actual effective date.

Be sure to shop around for Texas Medicare Supplements

We always offer FREE, No-Obligation consultations to help determine which Texas Medicare Supplement plan will be best for you. In this process we help you learn about all your options, and then we shop the top companies to see who has the best rates. We also provide you with an annual rate analysis every year to make certain you are always paying the lowest rate that you qualify for.

Call us today at 1-888-348-0398 to see which Texas Medicare Supplement is best for you!