Medicare Supplement Plans in Texas
A Medicare Supplement policy, also called Medigap, helps pay some of the costs Original Medicare leaves to you. We are a local, independent agency in Madisonville, and a licensed agent can talk through your options with you by phone or across the desk.
Not connected with or endorsed by the U.S. Government or the Federal Medicare Program.
What a Medicare Supplement does
Original Medicare, Parts A and B, pays a large share of your hospital and medical costs. It also leaves some costs to you, like deductibles, coinsurance, and copayments. A Medicare Supplement policy is private insurance that works alongside Original Medicare and helps pay some of those out-of-pocket costs.
With a Supplement you keep Original Medicare and can generally use providers who accept Medicare. Medicare SELECT policies are an exception: they may require network providers for full benefits.
Plans are standardized by letter
Medigap plans in Texas are standardized by letter, so the same letter provides the same basic benefits across insurers. Plans C and F are not available to people who first became eligible for Medicare on or after January 1, 2020. Availability also depends on your eligibility and the plans the insurer sells.
Because same-letter plans match on benefits, price is the main difference between companies. That is exactly the kind of comparison an independent agency is built for.
A Supplement is not Medicare Advantage
Medicare Advantage, also called Part C, takes a different path. Advantage plans are Medicare-approved plans from private companies that combine your Part A and Part B coverage, and most of your care then runs through that plan instead of Original Medicare. A Medigap policy cannot be used with a Medicare Advantage plan. You choose one path or the other.
We sell Medicare Supplements. We do not sell Medicare Advantage plans, and this page is not an offer of one. If you want to see every option in your area, Medicare.gov and 1-800-MEDICARE list them all.
When you can enroll
Medigap purchase rights depend on age, Part B timing and circumstances such as disability or loss of other coverage. Texas provides protections beyond the federal rules.
Your Medigap Open Enrollment Period
At 65 or older, the six-month window begins when you have Part B. Texas also gives under-65 Medicare beneficiaries a six-month Part B enrollment window: Plan A for disability, with broader protections for ESRD or ALS. The available plans and pricing rules differ; review your eligibility and dates before applying.
After the window closes
Outside open enrollment, a company may use medical underwriting unless a guaranteed-issue right applies. Losing certain coverage or another qualifying event can create that right. Deadlines matter, so bring any coverage-ending notice before making a change.
Medicare enrollment is separate
Your Medicare enrollment period depends on your circumstances, including age, disability and current coverage. Check your Part A and Part B dates with Social Security or Medicare, then review the separate Medigap purchase window and any Texas protections.
Medigap does not include drug coverage
Medicare drug coverage, Part D, comes from separate private plans. Medigap policies do not include it. We do not sell Part D plans; Medicare.gov and 1-800-MEDICARE can show you every drug plan in your area and how enrolling late can affect cost.
How our office helps
We are an independent insurance agency, in Madisonville since 1920. A licensed agent can explain how Supplements work in plain language, compare the standardized plan types, help with the application, and service the policy after it is issued.
People come to us from Madison, Walker, Grimes, and Leon counties, and we work with clients across Texas by phone. There is no charge to call and talk through your options.
What to have ready
Start with what you have. We can help you work through any missing pieces.
- Your Medicare card, or your Part A and Part B start dates
- Any health coverage you have now, including a plan through work
- Your birth date and the month your Part B begins, if you know it
- The questions on your mind, in any shape
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Medicare Supplement questions we hear
What does a Medicare Supplement actually pay for?
It helps pay some of the costs Original Medicare leaves to you, like deductibles, coinsurance, and copayments. What a given plan letter covers is standardized, so the same letter means the same basic benefits from any company.
Can I have a Medicare Supplement and a Medicare Advantage plan?
No. A Medigap policy cannot be used with a Medicare Advantage plan. You keep Original Medicare with a Supplement, or you move your coverage into an Advantage plan. We sell Supplements and can explain the difference plainly.
When can I buy a Medicare Supplement in Texas?
Your options depend on age, Part B dates and any Texas open-enrollment or guaranteed-issue rights. Disability, ESRD or ALS and loss of other coverage can change those rights. Bring your Medicare dates and coverage notices so the applicable window can be checked.
Does a Medicare Supplement include prescription drug coverage?
No. Drug coverage is Medicare Part D and comes from separate plans. We do not sell Part D; Medicare.gov and 1-800-MEDICARE list every drug plan available in your area.
Do I have to use certain doctors?
With Original Medicare and a standard Medigap policy, you can generally use providers who accept Medicare. Medicare SELECT can require network providers for full benefits, so check the policy type.
Does it cost anything to talk to you?
No. Call the office, ask your questions, and take whatever time you need. If a Supplement fits, we help with the application. If it does not, you will know more than when you called.
Where these facts come from: Medicare.gov, Medigap basics (opens in a new tab) Texas Department of Insurance, Medicare supplement insurance guide (opens in a new tab) TDI, companies with Medicare supplement insurance (opens in a new tab) Read September 21, 2026. Plan availability and rules can change; the linked pages are the current word.
Talk it through with a person
You do not need to know the plan letters to start. Call the Madisonville office, tell us where you are with Medicare, and a licensed agent takes it from there.
Not connected with or endorsed by the U.S. Government or the Federal Medicare Program.
Stover & Crouch Insurance Madisonville, Texas, since 1920