Your guide to
Medicare in Texas
Medicare has several parts, and the choices can feel confusing at first. Our agency helps you understand how Original Medicare, Medicare Advantage, Part D and Medigap work, in English or Spanish.
What it covers
Explore your Medicare options
Along with Original Medicare, private companies offer other ways to get or add to your coverage. Each option works in its own way and follows its own rules.
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Medicare Advantage (Part C)
Another way to get your Part A and Part B coverage, through a private company approved by Medicare. Many plans also include drug coverage.
Learn more -
Medicare Part D
Helps pay for prescription drugs. You can add it to Original Medicare or get it through a Medicare Advantage plan that includes it.
Learn more -
Medicare Supplement (Medigap)
Helps pay some out-of-pocket costs of Original Medicare. Medigap policies do not work with Medicare Advantage plans.
Learn more
Why it matters
The right fit depends on your situation
Medicare is health insurance for people 65 or older and for some younger people with certain disabilities or conditions. Original Medicare is made up of Part A and Part B, and many people also look at ways to add drug coverage or get help with out-of-pocket costs.
Medicare Advantage, Part D and Medigap each work differently, and no single option fits everyone. Your doctors, your prescriptions and how you like to receive care can all shape the decision. We can explain how each option works so you can decide what fits you.
Medigap policies work with Original Medicare, not with Medicare Advantage, so it helps to understand both paths.
The parts of Medicare
Parts A, B, C and D in plain terms
Part A (hospital insurance)
Generally helps cover inpatient hospital stays, care in a skilled nursing facility, hospice care and some home health care.
Part B (medical insurance)
Generally helps cover certain doctors' services, outpatient care, medical supplies and preventive services.
Part C (Medicare Advantage)
Plans offered by private companies approved by Medicare. They generally include Part A and Part B coverage and often drug coverage.
Part D (prescription drug coverage)
Helps pay for prescription drugs. It is offered through private companies approved by Medicare.
Answers
Medicare questions
Straight answers to common questions. If yours is not here, call or text our agency.
Original Medicare is Part A and Part B. Medicare Advantage plans are offered by private companies approved by Medicare and generally include Part A and Part B coverage, often along with drug coverage.
If you are becoming eligible at 65, your Initial Enrollment Period is generally a seven-month window around the month you turn 65. Other enrollment periods may apply depending on your situation.
The right fit depends on your situation, including your doctors, your prescriptions and how you like to receive care. We can explain how each option works and answer your questions in English or Spanish.
You can generally join when you first become eligible for Medicare, during your Initial Enrollment Period. Other enrollment periods may also apply, and we can explain which ones may fit your situation.
It depends on the plan. Many plans use provider networks, so it helps to check whether your doctors are in a plan's network before you enroll.
No. Medigap policies help pay some out-of-pocket costs of Original Medicare and do not work with Medicare Advantage plans.
Not necessarily. Each plan has its own drug list, so whether a specific medication is covered depends on the plan.
It is drug coverage expected to pay, on average, at least as much as Medicare's standard drug coverage. Having it can matter when it comes to the late enrollment penalty.
Many Medicare Advantage plans already include drug coverage. If your plan does, you generally get your drug coverage through that plan. We can help you review how your plan works.
Medigap policies sold today do not include prescription drug coverage. People with Original Medicare can get drug coverage through a separate Part D plan.
In Texas, plans with the same letter offer the same basic benefits, no matter which company sells them. We can help you compare the plans available to you.
No. A quote request is not an offer of insurance and does not bind coverage. Coverage starts only after a carrier issues a policy and confirms it in writing.
Yes. Our agency serves clients in English and Spanish.
Texas. Nelly is licensed in the State of Texas.
Yes. We can walk you through what your current policy covers, what it does not cover, and where you may have gaps.
Request a quote
Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.