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Medicare Supplement Plans in Texas

Even though MA plans get a lot of press, providers of Medicare Supplement plans in Texas still report that the number of people choosing Medigap plans keeps increasing. Some beneficiaries in the Lone Star State are satisfied with the more stable benefits and choice of doctors that they get with Medicare Supplement plans.

We want to help you with your Medicare Supplement plan comparison. If you need more help, click any of your local options to learn more.

Medicare Supplement Plans in Texas Statistics

Out of a population of more than 26 million Texans, about 3.1 million enjoy Medicare benefits. Most beneficiaries are retired people, and these are some Texas statistics about seniors:

  • Texans with Medicare: 12%
  • Senior citizens in major Texas cities:
  • Houston: 9.0%
  • Dallas: 8.8%
  • San Antonio: 10.4%
  • Austin: 7.0%
  • Fort Worth: 10.3%

Understanding Medicare Supplement Plans in Texas

The most important thing to understand about Medicare Supplement plans is that all levels are standardized by CMS (The Center for Medicare and Medicaid). If you choose the same plan level from one company or another, you will get the same coverage. That means that you can shop by Medigap rates among quality companies.

Top Medicare Supplement plan levels in Texas:

  • Plan F: This option is prevalent because it covers excess charges (when doctors charge more than CMS says they should), coinsurance, and Part A and B deductibles. To reduce premiums, there is also a high deductible plan F. Texas Medicare Supplement Plan G is a little cheaper than Medicare Plan F, and it is pretty similar.
  • Plan K, L, or Medicare Plan N: These options require more cost-sharing, but they may also come with lower rates.
  • Plan C: This is also robust coverage, but unlike Medicare Plan F, it does not cover excess charges.

Top Medicare Supplement plan providers:

Are Medicare Supplement Plans in Texas Best?

An Advantage plan could come with Part D prescription coverage, and even other Medicare Supplement plan coverage that is not generally covered by Medicare. Examples might be limited coverage for the dentist or eye doctor. Also, many Advantage plans have a very low or even no monthly premium. This certainly makes Advantage attractive to a lot of Texas seniors.

However, other senior citizens find that Medicare Supplement plans in Texas tend to stay more stable and do not limit them to only choosing PPO or HMO medical providers. They prefer to manage their health costs by buying a Medigap plan, a separate Part D plan, and maybe even, other supplemental insurance.

During guaranteed enrollment periods, there are no health questions to answer on an application for a Medicare Supplement plan in Texas. At other times, applicants will have to undergo health underwriting, and it is possible to get assigned a higher rate or even declined for a Medigap plan.

Compare the Best Medicare Supplement Plans in Texas

Why not use our handy quote form to compare Medicare Supplements in your Texas city? All you need to do is enter your zip code to begin. We hope to help many Texans find the right coverage at the right rates.

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