TX
Call · 中文

Medicare Supplement vs Medicare Advantage in Texas

Statewide · Medicare Supplement (Medigap) guide

This is the biggest Medicare decision. A Medicare Supplement gives freedom and predictable costs for a monthly premium. Medicare Advantage often has a low or $0 premium but uses networks and copays.

Book a Medicare appointment for Texas

2027 Annual Enrollment runs October 15 – December 7. A licensed Texas agent compares Medigap, Advantage and Part D plans for your doctors and prescriptions.

Book my planning call
Or call now — no wait 800-214-8976

Request your Texas Medicare quote

Please don't include medical details, Social Security or Medicare numbers.

New to the area or comparing options? Read our Katy Health Insurance Guide — local hospitals, plan types and enrollment dates explained.

Your Medicare options in Texas

Medicare Supplement (Medigap)

Plan G and Plan N cover most of what Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.

Medicare Advantage (Part C)

All-in-one plans, many with $0 premiums, drug coverage and extras like dental and vision. Networks vary by county.

Part D drug plans

Stand-alone drug coverage. Per CMS, the 2026 maximum deductible is $615 and the yearly out-of-pocket cap is $2,100 (indexed annually).

Key Medicare dates for Texas

  • Turning 65: 7-month Initial Enrollment Period around your birthday month — turning-65 guide.
  • Annual Enrollment: October 15 – December 7, coverage starts January 1.
  • Medicare Advantage Open Enrollment: January 1 – March 31, one plan switch.
  • See what's new: Advantage 2026 vs 2027 and Part D 2026 vs 2027.

Key points

  • Supplement: any Medicare provider nationwide, few surprise bills, separate Part D plan needed.
  • Advantage: networks (HMO/PPO), copays, a yearly out-of-pocket maximum, often includes drugs, dental and vision.
  • Travelers and snowbirds often prefer a Supplement; people focused on low premiums often prefer Advantage.
  • Switching from Advantage back to a Supplement later can require health questions in Texas.

Find your Texas city

Schedule your Medicare review

Pick a time on our Medicare calendar or call 800-214-8976. Help by phone or Zoom — no cost to you.

Book my planning call
Or call now — no wait 800-214-8976

800-214-8976

Medicare in Texas: common questions

More Medicare guides

Medicare Supplement Plan G in TexasMedicare Supplement Plan N in TexasHigh-Deductible Plan G in TexasMedicare Supplement Plan F in TexasMedigap Open Enrollment Period in TexasMedicare Supplement Costs in TexasMedicare Advantage Plans in TexasMedicare Advantage HMO vs PPO in Texas$0 Premium Medicare Advantage Plans in TexasDual Eligible Special Needs Plans (D-SNP) in TexasChronic Condition Special Needs Plans (C-SNP) in TexasMedicare Advantage with Dental, Vision & Hearing in TexasMedicare Advantage Open Enrollment Period (January 1 – March 31)Switch from Medicare Advantage to a Medicare Supplement in TexasHow to Change Your Medicare Advantage Plan in TexasHow to Apply for a Medicare Advantage Plan in TexasSwitch from a Medicare Supplement to Medicare Advantage in TexasWhen Can You Switch Medicare Advantage Plans in Texas?Can I Switch from Medicare Advantage Back to Original Medicare in Texas?Medicare Advantage vs Medigap in Texas: Key DifferencesMedicare Special Enrollment After a Move in TexasMedicare Special Enrollment After Losing Coverage in TexasWhen Your Texas Medicare Advantage Plan Ends or Leaves Your AreaMedicare Supplement by Texas cityMedicare Advantage by Texas city

We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (in Texas, HICAP) to get information on all of your options. Medicare Advantage and Part D plan availability, premiums and benefits vary by county and change each year.