Medigap (Medicare Supplement) Plans in Texas
Keep your doctors. Cap your costs. And don't overpay — the same Medigap coverage can cost very different amounts depending on the carrier.
What Is Medigap?
Original Medicare pays a lot — but not everything. You're still on the hook for the Part A and Part B deductibles, 20% coinsurance on most services, and copays. Medigap (Medicare Supplement Insurance) is extra coverage sold by private insurance companies that helps pay those leftover costs.
With Medigap, you keep Original Medicare. You can generally see any doctor or specialist in the country who accepts Medicare — no networks, no referrals. For folks who travel, split time between homes, or just want predictable costs, that's a big deal.
Plan G vs. Plan N — A Quick Guide
Medigap plans are sold as standardized "letter" plans. The two most common choices for new enrollees:
- Plan G: Covers nearly everything Original Medicare doesn't, except the annual Part B deductible. Highest premium, most predictable costs. The most popular choice for new Medicare beneficiaries.
- Plan N: Lower monthly premium. You pay the Part B deductible plus small copays (up to $20 for office visits, up to $50 for ER visits that don't lead to admission). A good middle ground for healthy folks who rarely see the doctor.
Other letters (A, B, C, D, F, K, L, M) exist but are less common. Plan F is only available if you were eligible for Medicare before 2020. I'll walk you through which letter fits your budget and health — no guesswork.
When to Buy: Timing Really Matters
Your Medigap Open Enrollment Period is the 6-month window that starts when you're 65 or older and enrolled in Medicare Part B. During this window, insurance companies cannot deny you coverage or charge you more because of health conditions.
Outside that window, Texas allows companies to use medical underwriting — they can ask health questions, charge higher premiums, or decline you. That's why comparing early, and re-checking your rate each year, matters so much.
Don't Forget Drug Coverage
Medigap doesn't include prescription drugs. Most people pair it with a standalone Part D drug plan. I'll help you line up both so there are no gaps. And if you're weighing Medigap against Medicare Advantage, I'll lay both paths out side by side so you can see the real tradeoffs.
Medigap Questions, Answered
What is a Medigap plan?
Medigap (Medicare Supplement Insurance) is sold by private companies to help pay the costs Original Medicare doesn't cover — deductibles, copays, and coinsurance. It works alongside your Original Medicare, and you can generally see any doctor in the U.S. who accepts Medicare.
Why do Medigap prices differ between companies?
Medigap plans are standardized by the federal government — a Plan G from one company covers exactly the same benefits as a Plan G from another. But each company sets its own price, and premiums for identical coverage can vary widely. Comparing carriers is the single smartest thing a Medigap buyer can do.
Which Medigap plan is right for me?
Most people new to Medicare choose Plan G, which covers nearly all out-of-pocket costs except the Part B deductible. Plan N has lower premiums with small copays. The right letter depends on your budget and how you use care — call me and we'll compare the math for your situation.
When is the best time to buy Medigap?
Your Medigap Open Enrollment Period is the 6 months starting when you're 65 or older and enrolled in Part B. During this window, companies can't deny you or charge more for health conditions. Outside this window, you may face medical underwriting in Texas — so timing matters.
Can I switch Medigap plans later?
Yes, you can apply to switch at any time, but outside your open enrollment period the new company can ask health questions and may decline you or charge more. That's why it's worth comparing prices up front — and re-checking your rate each year with a free price check.
Free Medigap Price Check
Same coverage. Very different prices. Let's make sure you're not overpaying.
(979) 325-9840