Texas Medicare plans 2025 – What to expect?
Texas Medicare Supplemental insurance fills the gaps that traditional Medicare doesn’t cover for seniors in the State of Texas. Also called ‘Medigap’, such a Medicare Supplement plan allows Texans on Medicare to stay healthy, knowing that such a supplemental insurance may pay for many of the health care costs in 2025 that are not covered by traditional Medicare.
There are two basic parts of original Medicare, Part A and Part B. Part A is something that you have been paying into your entire working life. It is taken out of your paycheck and goes into Social Security, which will be paying for you once you enroll in Medicare. Part A is the portion of Medicare that regulates and pays for the inpatient hospital visits. Part B is the portion of Medicare that typically helps pay for outpatient surgeries and doctors visits. Unfortunately, Part B of Medicare has not been paid for during your working career and has a monthly premium and a one time annual deductible from January to December. The monthly premium 2025 is determined based upon the cost of insurance and the number of expenses paid out for medical care for all beneficiaries. It is set up this way, so no senior with bad health can be singled out for higher premiums.
If you enroll in a supplemental plan, you will have to pay a monthly premium, on top of your premium you already pay for Part B.
The best part about a Texas Medicare supplement plan is that each plan is regulated by Medicare. Private insurance providers that offer those policies for 2025 have to follow the terms set by the government. This makes it easy to compare Medicare supplement plans offered by different insurance providers. Comparing plan ‘D’ offered by company ABC e.g. to plan ‘D’ offered by company XYZ, you may find that they are priced differently, but both will by law cover the exact same benefits. This means, you can compare insurance providers and select a reputable company with the lowest rates.
Supplemental Insurance Plans in Texas can be purchased for anyone over the age of 65 and receiving Medicare, or younger persons on disability. Those turning 65 and starting to go on Medicare in 2025 are eligible for coverage during their ‘Initial Enrollment period’. This means that you are guaranteed insurance coverage no matter your current health status. Many seniors in Texas are unaware they are unable to get health insurance at this point and continue to go without it, which could cost them a lot of money in the long run.
Use the Medicare Plan Finder to find out which Texas Medicare plans are available to you.
