McKinney, Frisco, Lewisville Medicare Supplements Insurance

McKinney, Frisco, Lewisville Medicare Supplements Insurance

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please  contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Navigating the world of Medicare can be overwhelming, especially when trying to understand how to cover the out-of-pocket costs Original Medicare doesn't pay. For Texans enrolled in Medicare Part A and Part B, Medicare Supplement Insurance—also known as Medigap—can help fill these coverage gaps and provide peace of mind.

What Are Medicare Supplement Plans?

Medicare Supplement Plans are private insurance policies designed to help pay for healthcare costs not covered by Original Medicare. These costs can include:

  • Copayments

  • Coinsurance

  • Deductibles

  • Foreign travel emergency care

Unlike Medicare Advantage plans, Medigap policies do not replace your Original Medicare. Instead, they work alongside it.

Key Features of Medigap Plans in Texas

  • Standardized Plans: In Texas, as in most states, Medigap policies are standardized into plans labeled A through N. Each plan offers a different level of coverage, but the benefits of each lettered plan are the same regardless of the insurance company.

  • Freedom of Provider Choice: You can use any doctor or hospital that accepts Medicare nationwide.

  • Guaranteed Renewability: As long as you pay your premium, your Medigap policy cannot be canceled—even if you develop health problems.

Medicare Supplements Options in McKinney, Frisco, Lewisville

The most commonly selected plans in Texas include:

  • Plan G: Offers comprehensive coverage, including Part A deductible, Part B coinsurance, and skilled nursing facility coinsurance. It does not cover the Part B deductible.

  • Plan N: Covers most benefits Plan G does, but has lower premiums and requires copayments for some office visits and emergency room trips.

  • Plan F: Only available to those who were eligible for Medicare before January 1, 2020, this plan covers all deductibles and coinsurance, making it one of the most comprehensive options.

Medigap vs. Medicare Advantage

If you're considering a Medicare Advantage plan instead, keep in mind:

  • Medicare Advantage is an alternative to Original Medicare and often includes prescription drug coverage, but limits your provider network.

  • Medigap works with Original Medicare and does not include Part D coverage—you'll need to enroll in a separate Part D plan.

The best choice depends on your healthcare needs, budget, and preferred doctors.

Medicare Supplement Plans offer Texans the flexibility and financial protection needed to manage healthcare costs in retirement. Whether you're new to Medicare or reviewing your coverage options, take time to assess your medical needs and compare plans. With the right Medigap policy, you can enhance your healthcare coverage and reduce unexpected expenses.

Give us a call, we'd love to help 469-207-6796  or request a FREE QUOTE