Medicare Supplement Insurance
Immediate Medicare Supplement Quotes
We are here to help and assist you if this is your first Medicare Supplement or if you're just shopping around for quotes to save premium dollars.
Start With Trust
This business has been awarded an A+ rating by the Better Business Bureau.
"I can't believe you found me the same Plan F with a different company and saved me $816.00 a year. Thank you very much."
Virginia A. - Wichita Falls, Texas
"We just wanted to tell you how much we appreciate you keeping in touch with us throughout the year just to see how we are doing. You review our coverage to make sure we have the best rates and that is very important to us - you've saved us money! Thanks for all your help."
Wilburn & Marilyn B. - Weatherford, Texas
"As you know we have been looking and searching for a Medicare Supplement for quite sometime. It's so confusing on the web. Your site was very simple and easy to get around. Your quick response and knowledge sold us. We couldn't have picked a better agency."
Harold & Betty A. - Lubbock, Texas
"We have been on Medicare for over 12 years. The last 6 years have been with your agency. We are so very pleased with your agency and your staff. We appreciate doing business the old fashion way. Not talking to a computer or going through a push button switchboard has been a breath of fresh air. We actually feel like a friend and not a number."
Clarence & Edith P. - Abilene, Texas
Medicare Supplement Made Easy
Medicare Supplement insurance, also called Medigap, is sold by private insurers. It helps pay certain deductibles, coinsurance, and copayments left by Original Medicare. Benefits depend on the plan you choose.
When can I buy a Medicare Supplement?
Your federal Medigap Open Enrollment Period lasts six months. It starts in the first month you are age 65 or older and enrolled in Medicare Part B. During this period, an insurer cannot refuse to sell you an available Medigap policy or charge more because of your health. Rules about waiting periods for pre-existing conditions can still apply.
You can apply outside this period, but an insurer may review your health, charge a higher premium, or decline your application unless you have a guaranteed issue right or another applicable protection. Medigap does not have the same annual enrollment window as Medicare Advantage and Part D. Before changing policies, confirm acceptance and the new coverage start date.
Texas has additional protections for some people under 65 who qualify for Medicare. See the Texas Department of Insurance guide and Medicare's enrollment guidance for eligibility details.
Comparing plans and premiums
Texas uses standardized Medigap plans identified by letters. Policies with the same plan letter offer the same standardized benefits, while premiums, underwriting, and other policy features can differ by insurer. Compare both the coverage and the cost before choosing a policy.
Is Plan G right for me?
Plan G covers several expenses left by Original Medicare, but it does not cover the Part B deductible. Plan N has different cost sharing. We can help you compare available plans with your budget and coverage preferences.
Compare Medicare Supplement benefits
Percentages below show the share of each listed benefit paid by the standard plan. “No” means that benefit is not included. Medicare coverage requirements, deductibles, and policy limits apply.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A hospital coinsurance, plus up to 365 extra hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance / copayments | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| First three pints of blood | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice coinsurance / copayments | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Emergency care abroad (subject to limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
* Plan N has copayments of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to inpatient admission.
In 2026, the Part B deductible is $283. Plans K and L have annual out-of-pocket limits of $8,000 and $4,000 respectively; after the applicable limit and Part B deductible are met, they pay all covered services for the rest of that year.
High-deductible versions of Plans F and G are available in some states, with a $2,950 deductible in 2026. Plans C and F are unavailable to people who first became eligible for Medicare on or after January 1, 2020.
Foreign travel benefits have separate limits and a deductible. For full benefit details and current annual amounts, use Medicare's official plan comparison and the CMS high-deductible announcements.