Medicare in Katy, TX: Supplements, Advantage Plans & Local Doctors

Your two paths in Katy

• Original Medicare + Medicare Supplement (Medigap) + stand-alone Part D drug plan — widest doctor choice, predictable costs
• Medicare Advantage (Part C) — one plan bundling medical and usually drugs, often with dental/vision extras, but with a defined network

Why county matters for Katy Medicare

Medicare Advantage plans are sold by county. A Katy address in Harris County can see a different Advantage lineup than one in Fort Bend or Waller County. Supplements, by contrast, are standardized statewide in Texas — a Plan G is a Plan G regardless of carrier, so the comparison is price and company stability.

Local networks Katy seniors ask about

Common requests we verify before recommending a plan: Memorial Hermann Katy, Houston Methodist West, Kelsey-Seybold Katy clinics, and specialists along the I-10 corridor. On Advantage plans, network fit is everything — we check your exact doctors against each plan's current-year directory before you enroll.

Key enrollment windows

• Initial Enrollment Period — 7 months around your 65th birthday
• Medigap Open Enrollment — 6 months starting when you're 65+ and enrolled in Part B; guaranteed issue, no health questions
• Annual Enrollment Period — October 15 to December 7 each year for Advantage and Part D changes
• Medicare Advantage Open Enrollment — January 1 to March 31, one plan change if you're already on Advantage