Medicare Step 2

Covering the Gaps in Original Medicare

Medicare Supplement Plans (Medigap) in Texas

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Understanding Medigap

What Are Medicare Supplement Plans?

Medicare Supplement Plans — also known as Medigap — are private insurance policies that help cover the “gaps” in Original Medicare (Parts A & B). These gaps include things like deductibles, coinsurance, and copayments that Medicare doesn’t pay.


If you're enrolled in Medicare and want more predictable out-of-pocket costs, a Medigap plan could be the right fit.


With the right plan, you can see any doctor nationwide who accepts Medicare — no network restrictions, referrals, or surprises.

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Plan G & Plan N

Compare the Most Popular Options in Texas

  • Plan G: Covers nearly all Medicare gaps, except the Part B deductible.

  • Plan N: Lower premium than G, small copays for office and ER visits.

  • Standardized coverage: Benefits don’t vary by company — only price.

Medigap plans are standardized by the federal government, which means every Plan G offers the same medical coverage — no matter the carrier. The difference is the price you pay. We help you shop top-rated carriers like Aetna, Cigna, and Blue Cross to find the right rate.

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Your Open Enrollment Window

Don’t Miss This 6-Month Opportunity

  • Starts when you enroll in Medicare Part B

  • No medical underwriting if enrolled on time

  • After 6 months, health conditions can affect pricing

  • Available to Texas residents turning 65 or newly eligible due to disability

The best time to enroll in a Medicare Supplement plan is during your one-time Medigap Open Enrollment Period — the 6 months after you sign up for Part B. Miss that window, and insurers may require medical underwriting or charge more. Don’t wait to explore your options.

Know the Difference

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Choosing between a Medigap plan and a Medicare Advantage (Part C) plan depends on your healthcare needs and budget. We help you weigh the pros and cons:


Medigap Pros:

  • See any doctor who accepts Medicare
  • No networks or referrals
  • Predictable costs, even during illness
  • Nationwide coverage

Medigap Cons:

  • Higher monthly premiums
  • No dental, vision, or hearing benefits

Advantage Pros:

  • Often low or $0 premiums
  • Includes extras like vision and dental
  • Set annual out-of-pocket max

Advantage Cons:

  • Network restrictions
  • Copays for most services
  • Prior authorizations may be required


Your health, your priorities — we’ll help you choose.

Real Questions, Clear Answers

Medicare Supplement FAQs

Medigap can feel complicated — but we’re here to make it simple. Here are a few questions we often hear from clients in Kerrville and across Texas.

FAQs

  • Can I switch Medigap plans later?

    Yes, but in Texas it may require health underwriting unless you qualify for a guaranteed issue period.

  • Does Medigap include dental or vision?

    No, but we offer separate Dental & Vision Insurance plans to fill that gap.

  • What if I travel or move?

    Medigap plans travel with you — any provider nationwide who accepts Medicare is covered.

  • Is Plan G really the best?

    It’s the most comprehensive plan available to new enrollees. Plan N is also popular for those looking to lower monthly costs.