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Medicare Advantage vs Medigap in Texas: Key Differences

Statewide · Medicare Supplement (Medigap) guide

Medicare Advantage and Medicare Supplement (Medigap) work very differently. Neither is right for everyone. The right fit depends on your doctors, prescriptions, travel and how you prefer to pay for care.

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

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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

  • Networks: Advantage plans generally use HMO or PPO networks; Medigap works with any provider in the U.S. that accepts Medicare.
  • Costs: Advantage plans use copays and coinsurance up to a yearly out-of-pocket maximum; Medigap has a monthly premium and covers much of what Original Medicare doesn't.
  • Drugs: most Advantage plans include Part D; with Medigap you add a separate Part D plan.
  • Extras: some Advantage plans include dental, vision or hearing benefits, with limits that vary by plan.
  • Switching: moving from Advantage to Medigap later can require health questions in Texas.

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Medicare in Texas: common questions

More Medicare guides

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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.