What does Medicare and options mean to us?
Great insurance coverage for my parents.
Medicare and Medigap cost
Original Medicare covers about 80% of approved expenses, while Medicare Supplement Insurance can help pick up some of the difference.
What is our best option for an insurance plan?

Insurance offers flexibility

Your plan can be used throughout the U.S., gives you a choice of any provider that accepts Medicare patients and it will help pay out-of-pocket expenses such as copays and deductibles.

Medicare Supplement

Medigap insurance plans help to cover Medicare approved out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Some plans may help pay for other benefits Original Medicare doesn't cover. These policies generally don't cover things like long-term care, vision or dental care. They also don't include prescription drug benefits. You'll need to buy a separate stand-alone Medicare Part D Prescription Drug Plan to cover the costs of your medications.

This type of insurance plan coverage is available through private insurance companies. The cost and availability may differ between type of plan, insurance companies, and location where you live.    

We will help you to get an overview of the different plans and what they cover.

Things to know about
Medigap policies

  • You must have Medicare Part A and Part B.
  • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  • You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  • A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
  • You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
  • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
  • Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  • It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
  • Medigap policies don't cover everything. Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.    

    Source - Medicare.gov

Senior Health Insurance for Texans

To find out more about Texas Medicare Supplement Insurance plans and to get a quote, simply contact us.  We will provide you with some plans from the top rated companies that we represent. We will also discuss Medicare coverage and guidelines with you. We'll discuss what your needs are and review the various plans available for you. These plans are made easy for you to understand how they work with Medicare.

You will have many plan options to choose from. The modernized benefit policies are “A, B, C, D, F, High-Deductible F, G, K, L, M, and N.” Since they are standardized, by law each insurance companies plan offers the same basic benefits.

Probably the most popular Texas Medicare Supplement Insurance plan is Plan F. Most people choose Plan F because it covers all the deductibles and all the coinsurance. In order not to have any additional out-of-pocket costs, it has to be a Medicare approved expense. Another popular plan is Plan G. The main difference between the two plans is that Plan G does not cover the Medicare Part B deductible like Plan F does. Plan G is generally has a lower premium than Plan F, which usually offsets the Part B deductible cost. 

It's important to have a Texas Medicare Supplement Insurance plan.

The original Medicare program is designed to provide health benefits, but it doesn't cover the total cost of health care, or leaves gaps in coverage such as deductibles and coinsurance, for hospitalization, doctor visits and other medical services. Individuals that have enrolled in original Medicare program may decide they need a plan because it provides supplemental health insurance coverage to fill in the gaps.

Here's an example of how having a Texas Medigap Policy can benefit you:

Say you were on Original Medicare only, you're out of pocket could consist of Medicare Part A deductible and Medicare Part B deductible. Medicare will then pay 80% of the Medicare approved expenses. That can be a hefty unplanned expense if you haven't covered the gap!

Now let’s say you have a Medigap policy, like a Plan F that picks up the Medicare Parts A and B deductibles as well as the 20% of Medicare Part B expenses. By purchasing a Medicare supplement plan and combining it with Medicare, your Medicare approved out-of-pocket expenses can end up being next to nothing. This type of advance planning for the unexpected covered medical expenses can be very advantageous.

You can switch from one Texas Medicare Supplement insurance plan to another. You generally do not have to wait to switch to a different Medicare supplement policy and can do so any month. However, if you had a Medicare Supplement insurance plan for at least six months (from Part B) and you decide to go to another company, your new plan will be underwritten. If you are on a plan for less than six months, the new Medicare supplement insurance policy must give you credit for the time the older policy covered you.


Your best resource on Medicare today! We take the guesswork out and offer you a solid quality insurance plan you can count on. You can get a free, no-obligation quote for top rated insurance plans.

I want great coverage for my parents.

This helps us in our planning..

What is our best option?
Texas Seniors and for some disabled people under 65

These insurance plans fills the “gaps” between Medicare approved benefits and what you must pay out-of-pocket for deductibles, coinsurance, and copayments (benefits will vary based on the plan you select). Therefore, it is often called Medigap. 

We'll guide you to find the RIGHT Texas Medicare Supplement Plan

Quotes with numerous plans from top rated insurance companies available.

There's not one plan that fits all needs.

There are many areas to consider when selecting a Texas Medigap Insurance plan.
Your personal preferences consisting of current and future financial abilities, benefits, age, your location and current health will determine what the best plan is.
Contact us to help you determine which plan is best for you.

Access to plans C & F after January 1, 2020

Starting January 1, 2020, Medigap plans sold to people new to Medicare are no longer allowed to cover the Part B deductible. Because of this, Plans C and F aren't available if you're new to Medicare on or after January 1, 2020.

If you already have either of these two plans (or the high deductible version of Plan F) or are covered by one of these plans prior to January 1, 2020, you'll be able to keep your plan. If you were eligible for Medicare before January 1, 2020 but no yet enrolled, you may be able to buy one of these plans.
People new to Medicare are those who turn 65 on or after January 1, 2020, and those who first become eligible for Medicare benefits due to age, disability, or End-Stage Renal Disease on or after January 1, 2020. Source: Medicare.gov

Your Rights with a Medicare Supplement Insurance Plan

Open Enrollment for People Age 65 and Older
The open enrollment period for Medicare supplement insurance plans is a six-month period during which you may buy any plan offered in Texas. During this period, companies must sell you a policy, even if you have health problems. The open enrollment period begins when you enroll in Medicare Part B. You must have both Medicare Parts A and B to buy a policy. You can also switch to another policy during this six-month period.

Open Enrollment for Texans with Disabilities/Illness

People who are under age 65 get Medicare because of certain illness or disabilities also have a six-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right only applies to Texas Medicare Supplement Insurance Plan A.

Note: People who have Medicare because of disabilities have another open enrollment period during the first six months after turning 65.

Guaranteed Issue
You may have the right to buy a Medicare Supplement insurance policy outside of your open enrollment period if you lose certain types of health coverage. This is called guaranteed issue. For people over the age of 65, the guaranteed issue right applies to Plans A, B, C, F (including Plan F with a high deductible), K, and L.

Texans under the age of 65 with disabilities who enroll in Medicare Part B have guaranteed issue rights, but only for Plan A.

The guaranteed issue right is good for 63 days from the date coverage ends or from the date of notice that coverage will end, whichever is later. Companies may not place any restrictions, such as preexisting condition waiting periods or exclusions, on these policies. 

For more information about your Rights, read Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.