Texas Medicare Supplements

Texas Medicare Supplements are standardized to match the rest of the country's Medicare Supplement plan design. Texas does have some different laws regulating these plans but it does not have a different plan designs or coverage options. In this article we will cover some of the different things that makes Texas policies better and worse than others states.

Texas Medicare Supplements - Benefits

  1. Texas's Medigap plans are not allowed to impose rate-ups for different factors such as height/weight classes or other things may increase premium. It is as simple as if you qualify, you can get the policy but if you do not qualify you can try another carrier.
  2. Guaranteed Issue rights for loss of medicaid is another benefit offered in the state of Texas for Medicare Supplement Plans. This means that if you are getting off Medicaid you have more plans available in Texas than are offered in most states.
Texas Medicare Supplements - Negatives
  1. There are no gender rates in the state of Texas which means that male and female rates are the same. This is usually a positive for men but for women it is a negative. From our experience we have seen carriers price the rates a little higher than middle of the road for a male and female's pricing to play it safe.
  2. The only plan that must be offered for under age 65 policies in the state of Texas is the Plan A. This does not give individuals on disability a wide variety of plans to choose from.

Texas Medicare Supplements usually will provide better coverage than a Medicare Advantage Plan. The Plan F in Texas is the most popular Medigap plan available and it is also the plan that provides the most comprehensive coverage.

In short, Texas Medicare Supplements supplement your Medicare Part A and Medicare Part B, which means they fill in the gaps that Medicare does not cover. If you are looking for Medigap Quotes go to the Medicare Insurance Finders Homepage to get a quick quote in less than 2 minutes.