Your guide to
Medicare Supplement (Medigap) in Texas
A Medigap policy works alongside Original Medicare to help pay some out-of-pocket costs. Our agency helps you understand how these policies work and how they fit with the rest of your Medicare coverage.
What it covers
How Medigap policies work
Medigap policies are sold by private companies and work only with Original Medicare. What a policy helps pay depends on its plan letter.
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Out-of-pocket costs
Helps pay some out-of-pocket costs of Original Medicare, such as copayments, coinsurance or deductibles, depending on the policy.
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Works with Original Medicare
Medigap is added to Original Medicare. You generally need both Part A and Part B to buy a policy.
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Standardized plan letters
In Texas, Medigap plans are standardized and identified by letters. Plans with the same letter offer the same basic benefits, whichever company sells them.
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Not for Medicare Advantage
Medigap policies do not work with Medicare Advantage plans. They are designed for people who have Original Medicare.
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Drug coverage is separate
Medigap policies sold today do not include prescription drug coverage, which generally comes from a separate Part D plan.
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One person per policy
Each Medigap policy covers one person, so spouses who both want coverage generally need separate policies.
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Why it matters
Understand where Medigap fits
Medigap and Medicare Advantage are different paths. Medigap adds to Original Medicare, while Medicare Advantage is another way to get your Part A and Part B coverage. Because they do not work together, it helps to understand both before you decide.
Your Medigap Open Enrollment Period generally lasts six months, starting the first month you have Part B and are 65 or older. Outside that period, except in certain situations, a company may use health questions to decide whether to sell you a policy.
The right choice depends on your situation, including your health needs, your doctors and how you like to receive care.
Answers
Medigap questions
Straight answers to common questions. If yours is not here, call or text our agency.
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. Medigap policies are designed to work with Original Medicare, not with Medicare Advantage plans.
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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.