Medicare Supplement Plans in San Antonio Texas

Are you a senior 65 or older looking to compare Medicare Supplement Plans in San Antonio Texas? If so, you’ve come to the right website. At Insurarates we specialize in helping seniors 65 and older find the Medicare Plan that’s right for them. As an independent insurance agency we are able to shop multiple plans from the best Medicare insurance companies in San Antonio. If you have specific questions feel free to give us a call using the toll-free number at the top of this page or you can also request a quote using your ZIP code.

So what are Medicare supplement plans in San Antonio and who would benefit from having them? Medicare supplement plans in Texas are also known as Medigap plans and they were designed to help cover the gaps left by Original Medicare Part A and Medicare Part B. Original Medicare Part A and Part B only cover 80% of your potential health insurance expenses. This means that you could be responsible for hundreds if not thousands of dollars if you don’t have some sort of gap coverage. Medigap or Medicare Supplement plans are sold by Private health insurance companies and their purpose is to help cover that 20% Gap.

Compare Medicare Supplement Plans in San Antonio Texas

There are few things that are not covered under Medicare Supplement plans in San Antonio Texas. Here are just a few things that you will not get coverage for if you choose to enroll in a Texas Medigap plan:

• Long-term care
•  Vision
•  Dental
•  hearing aids
•  Eyeglasses
•  private duty nursing
•  prescription drugs

The great thing about Medicare supplement plans is that they are standardized by the federal government. This means that no matter which Texas Medigap plan you are looking to enroll in you will have the same benefit regardless of which company or Carrier you choose. The great thing about this is that the only real difference then between the 10 different Medigap plans available in Texas would be the cost.

What do Medicare Supplement Plans in San Antonio Texas Cover

• Part A coinsurance and deductibles
• Part B coinsurance and deductibles
• Blood transfusions
• Medicare excess charges
• Foreign travel
• Skilled Nursing

So when can you enroll in a Texas Medigap plan? You are able to enroll in a Medicare Supplement Plan in San Antonio Texas when you first become eligible for Medicare Part A and Medicare Part B. Typically you’ll want to make sure that your Medicare Supplement Plan coverage begins the first month your Medicare Part B starts. The reason being that when you enroll when you first turn 65 or you’re first eligible for Medicare, you can get a plan without having to answer medical questions or go through medical underwriting.

When Can I Enroll in a Medicare Plan?

The other time that you can compare or enroll in a Medicare Supplement Plan in San Antonio Texas would be during the Open Enrollment Period. That runs from October 15th through December 7th each year. It’s also known as the Texas Annual Election Period.  If you currently have a Medicare Advantage plan in Texas it’s important to note that you will not be able to change that plan until the Open Enrollment or Annual Election Period.

Whereas if you have a Medicare supplement or a Medigap plan in Texas you can compare and change plans at any time throughout the year. Each person’s special enrollment varies so the best thing that you can do is to speak to a licensed insurance agent about specific questions you have related to Medicare.

We recommend that you regularly compare Medicare Supplement plans in San Antonio Texas because there are multiple plans available each year, and they vary by coverage. For instance, if you’re looking for Plan F, Plan G, or Plan N, you will probably quickly realize that each plan’s price is a little different. It’s worth noting that if you became eligible for Medicare after January 1, 2020, Medicare Plan F may not be available for you anymore.

Here are a few things to remember before you enroll in a Medicare Supplement Plan. In order to enroll in a Medicare Supplement Plan in Texas you must be a rolled-in original Medicare Part A and Part B at the time of the application. You should also remember that Medigap plans in Texas typically have monthly premiums that vary in price so you’ll want to compare prices for sure. Also if your spouse needs a Medicare Supplement Plan they will have to purchase their own policy. Two people cannot be on the same plan. The good news is that many carriers offer household discounts. This means that if two people enroll in a Medigap plan that live in the same house they might be eligible for a discount. Again the best time to enroll in a Medicare Supplement Plan in Texas is usually when you turn 65. If you’re under 65 and looking for a Medigap plan, you may be eligible but the prices are usually much higher.

Medicare Supplement Plans in Texas vs Medicare Advantage Plans

Finally, a few other things you should remember about Medicare supplement plans in San Antonio Texas. Medicare supplement plans are different from Medicare Advantage plans in Texas. This is important to know because you cannot be enrolled in a Medigap and a Medicare Advantage plan at the same time.  If you choose to enroll in a Medicare Supplement Plan in Texas you have a 30-day free look meaning that once the policy’s activated you have 30 days to cancel if you would like.

It’s also worth mentioning that unlike Medicare Advantage plans Medicare supplement plans do not provide prescription drug coverage. So if you choose to enroll in a Medicare Supplement Plan in San Antonio Texas you’ll also want to purchase a stand-alone Part D prescription drug plan. The average price for these nationwide is around $25.

If you have any other questions about Medicare supplement plans in San Antonio Texas or Medicare Advantage plans in Texas, feel free to give us a call at 800-974-0552. Our licensed agents work exclusively with Medicare beneficiaries so they can usually answer any and all questions you have related to Medicare.

There are some great options out there if you’re looking for a new Medicare Supplement plan in Houston, Texas. Most seniors may not realize this but you have the freedom to shop and compare Texas Medigap plans all year long. This might be a good idea for Houston residents because Medigap rates change from year to year. If you’d like a free quote comparison, feel free to give us a call at 800-974-0552 or use our quote system at the top of the page.

Texas Medicare Resources

https://hhs.texas.gov/services/aging
https://www.medicare.gov/