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Best Medicare Supplement Plans in Texas 2020 – Comparison Chart

To purchase one of the best Medicare Supplement plans in Texas for 2020, you need to qualify for Medicare Part A and Medicare Part B of Medicare. Most of you will plan to enroll in both parts of Original Medicare around your 65th birthday, so this is an ideal time to consider enhancing your hard-earned benefits with a Medicare Supplement plan in Texas. Some companies will even allow you to apply for your Medicare Supplement plan a few months early, so you can be certain you have adequate health coverage in place by the time you turn 65.

Don’t wait until your initial open enrollment period starts — or ends — to start looking into insurance plans. Now is the time to start checking out Texas Medicare Supplement plan options for 2020. Luckily, you don’t have to wade the complicated waters of searching for Medicare Supplement insurance plans all by yourself. Instead, you can use our website or give us a call to find out about your options through top health insurance companies.

Medicare Supplement Plan in Texas for 2020: When can I Enroll?

First, you should know that Medicare Supplement plans do not have an Annual Election Period like Medicare Advantage. You can apply for the best Medicare Supplement plans in Texas as long as you have Original Medicare.

With that said, the Texas Department of Insurance outlines times when you have a Guaranteed-Issue right to get accepted for Medicare Supplement insurance without having to answer medical questions about pre-existing conditions or go through any medical underwriting. As a note, these follow national rules pretty closely, though some other states have somewhat more liberal rules.

This briefly summarizes when you can get accepted for Medigap plans without answering health questions:

  • Seniors turning 65: You have a 6-month window for all available Medicare Supplement plans in Texas that begins when you first enroll in Medicare Part B.
  • Disabled people first receiving Part B: You also have a 6-month window, but it’s only for Medigap Plan A.
  • After the first Guaranteed-Issue period: If you lose coverage for certain reasons, you can enjoy another period when insurance companies must sell you a Supplement, but this is only for certain plans
  • Disabled people losing coverage: You also get another guaranteed right to purchase, but it’s still only for Plan A.

How Are 2020 Rates for Medicare Supplement Plans in Texas Calculated?

Once you have already enrolled in the best Medicare Supplement plan in Texas for your needs, your company cannot cancel your policy unless you fail to pay premiums or purposefully answered application questions falsely.

These are three ways that Medicare insurers may handle current and future premiums for Medicare beneficiaries, according to a Medicare Guide in the Dallas Morning News:

  • Community-rated

    This means that everybody in your local area gets the same premium for their Medicare Supplement policy, regardless of age or other factors.

  • Issue-age

    Your premium for your Medicare plan is always based on the age you were when you purchased your Supplement, but the insurer could increase prices for inflation and some other things.

  • Attained-age

    This means that the insurer can keep raising your Medicare Supplement rates as you get older, but you’ll enjoy lower rates when you buy it at a younger age. Be aware of how your health care costs will be affected in the future if you sign up for a Medigap policy that has been calculated in this way.

2020 Medicare Supplement Plan Comparison Chart in Texas

There isn’t a one-size-fits-everybody alternative we can suggest when it comes to Texas Medicare Supplement plans; however, we can tell you which plans we most commonly suggest and are the most popular overall. See the Medicare Supplement plans comparison chart for Texas below in order to see what plan may best fit you.

These are our suggestions for the best Medicare Supplement plans in Texas for most people:

Medicare Supplement Plans Comparison Chart

Medicare Supplement Plan F in Texas

  • In past years, Medigap plan F in Texas has been the most popular Medicare Supplemental choice because it covers all of the deductibles, copays, and coinsurance payment that Medicare allows a Supplement to pay for. Other than Medigap Plan C, it’s the only plan that covers the Medicare Part B deductible. This is available as a high deductible or standard option.
  • Please note: Medigap Plan F in Texas with no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

Medicare Supplement Plan G in Texas

  • Medigap plan G in Texas won’t pay the Part B deductible. Often, the difference in premium between Medigap Plan F and G makes up for this deductible amount.

Medicare Supplement Plan N in Texas

  • Medigap plan N in Texas doesn’t cover the Part B deductible. It also doesn’t cover “Part B excess charges,” or those bills that are higher than Original Medicare allows. The benefits should still protect you from the highest out-of-pocket expenses that are left behind after your Medicare program benefits have been exhausted, so it might offer a more budget-friendly choice if you’re hoping for a cheaper monthly premium.

If you’d like to explore your plan options in more detail, use this Medigap comparison chart in Texas to get an idea of which out-of-pocket costs you will and will not be responsible for with these different plans:

(Medicare Supplement plans comparison chart in Texas)

Travel and Medicare Supplement Plans in Texas

One of the advantages of Medicare Supplement insurance is it is portability. You don’t have to concern yourself with plan networks.

These are a couple of things to know about where you can use your plan:

  • Typically, most Medigap plans will be accepted by any healthcare provider who accepts Original Medicare across the United States.
  • One exception to this is Medicare Select plans. These may have some network restrictions that policyholders need to follow in exchange for lower premiums.

Moving across state lines – Most plans are “portable” however, you’re rate can change based on your new address

Signing up for one of the best Medicare Supplement plans in Texas is probably a better idea than signing up for one of the Medicare Advantage plans if you like flexibility. Medicare Advantage insurance coverage often comes in the form of an HMO or PPO, meaning that network restrictions are in place. Medicare Part D prescription drug plans are sometimes included, but many people prefer to purchase a more flexible Supplement to use with Medicare Part A and Part B and then purchase their own separate prescription drug plan instead.

How to Apply for a Medicare Supplement Plan in Texas in 2020

As you learned above, your own choice of Medicare Supplement plan coverage and premiums may depend upon your location, age, and other circumstances. We can offer you a handy way to compare your options online so that you can choose the best Medicare Supplement plan in Texas for you.

All you have to do to begin is to select “Texas” from the drop-down quote menu, you are also welcome to use the toll-free number to call with any questions. We want to give you the information that you need to find the best Medicare Supplement plans in Texas, and our licensed insurance agents are here to help.

Enrollment Stats for Medicare Supplement Plans in Texas

Enrollment in Medicare Supplement insurance varies a lot by state and even by county. Very often, it depends upon available plans, medical providers, and average incomes of local beneficiaries. In a famously large state like Texas, you will certainly see differences in urban areas, smaller cities, and rural areas.

This a brief overview of enrollment in the best Medicare Supplement Plans in Texas and Medicare in general:

  • Texans with Original Medicare: About 2.4 million
  • Medigap plans in Texas: About 675,000 in force
  • Most popular plan in Texas: Plan F

These are the five most populated Texas counties:

  • Harris: 4,573,568
  • Dallas: 2,554,632
  • Tarrant: 1,971,711
  • Bexar: 1,913,559
  • Travis: 1,190,186

These are some estimated breakdowns of the way that Texans enhance their Original Medicare coverage:

  • Overall, about 27 percent of Texans with Original Medicare have chosen a Medicare Supplement plan in Texas.
  • About 38 percent choose MA plans instead of Medigap plans.

Most of the rest have other public or private medical insurance through employers, unions, or the government. Virtually all Texans find some way to enhance Original Medicare benefits.

Related Medicare Supplement Plan Topics in Texas

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Resources for Seniors Considering Medicare Supplement Plans in Texas

TDI Texas Medicare Insurance Guide

Texas Department of Aging

CMS: Centers for Medicare and Medicaid Services

Resources for Texas Medicare recipients with modest incomes and assets:

  • Texas also has the DADS program that offers additional help with medical services, prescriptions, caregiver support, and so on.
  • You can learn more about applying for Extra Help in Texas on the Texas Department of Health website.