Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
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Noah Wilson
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Texas
In Texas, 54% of Medicare beneficiaries choose a Medicare Advantage plan as their coverage option. The remaining Medicare beneficiaries choose Original Medicare instead.
Texas residents enrolled in Original Medicare can get care anywhere in the country, as long as the doctor or hospital accepts Medicare. They can also see a specialist without getting a referral first.
Enrollees in Original Medicare often choose to add a Medicare Supplement (also called Medigap) plan to help with out-of-pocket costs. There are 10 standardized Medigap plan options in Texas. Each plan has a letter designation: A–D, F, G, or K–N. Plans of the same letter offer the same basic benefits, regardless of the plan location or insurance carrier.
Medicare Advantage plans typically include Part D prescription drug coverage. If you're enrolled in Original Medicare, you can purchase a standalone Part D policy for prescription drug coverage.
How to apply for Medicare in Texas?
Medicare eligibility in Texas follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Texas takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can I get help comparing Medicare options in Texas?
For help comparing your Medicare options in Texas, turn to Chapter's licensed Medicare Advisors. They can provide free advice and support as you weigh your options. Call us at (855) 900-2427 to get your questions answered or schedule a free consultation today.
Why can Medicare Advantage options differ between Texas counties?
Private insurers offer Texas Medicare Advantage plans and their offerings vary from one county to the next. Similar plans available in different counties may have different benefits, coverage options, premiums, and provider networks.
If I move to another part of Texas, can I change Medicare Advantage or Part D coverage?
When you move from one place to another in Texas, you may become eligible for a Special Enrollment Period. If your new address falls outside your current Medicare Advantage or Part D prescription plan service area, the period typically lasts two months after your move. If you inform your plan about your move beforehand, your Special Enrollment Period also includes the month before you move. You may also be able to switch plans if you move within your plan's service area but gain new plan options that were unavailable at your old address.
What Medicare Savings Programs are available to Texas residents?
If you're a Texas resident with limited income and are Medicare-eligible, you may qualify for the Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualifying Individual (QI) programs. QMB helps pay for certain Medicare Part A and/or Part B premiums, and SLMB and QI help pay Part B costs. The Extra Help program also helps qualifying individuals pay the costs associated with their prescription drugs. Medicare beneficiaries who qualify due to a disability may be eligible for the Qualified Disabled & Working Individual (QDWI) program, which helps pay Part A costs.
