Medicare Plans
Medicare Supplement (Medigap) Plans in Austin, TX
Original Medicare pays most of your hospital and doctor bills, but not all of them. A Medicare Supplement plan, often called Medigap, picks up the deductibles, coinsurance and copays Medicare leaves behind, so your yearly cost stays close to fixed.
Medigap is standardized by letter, so a Plan G from one company pays exactly the same benefits as a Plan G from another. The real differences are price, service and how the company handles rate increases over time.
- Keep any doctor who takes Medicare
- Predictable monthly premium, few surprises
- No referrals and no provider network
- Travel coverage anywhere in the U.S.
Compare Medicare Supplement plans with a local agent
Ask a licensed Texas agent to compare Plan G, Plan N and high-deductible Plan G based on your budget and expected medical use, priced with the carriers we represent in Texas.
What to expect
Free review- A licensed agent calls you back during business hours, Mon-Fri, 8:30am-5:30pm CT
- Your doctors and prescriptions get checked before any plan is suggested
- No fee for our help, and your premium is the same either way
- No obligation to enroll, and no pressure if you'd rather stay put
Reviewed by the licensed Texas agents at Austin Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.
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A licensed agent will call you during business hours, Mon-Fri, 8:30am-5:30pm CT. If you'd rather not wait, call 737-236-2017 now.
How it works
Medicare pays first, your Medigap plan picks up the rest
You keep Original Medicare (Part A and Part B) as your main coverage. When you visit St. David's Medical Center, Dell Seton or any clinic around Austin that accepts Medicare, the claim goes to Medicare first. Whatever share Medicare does not pay is sent automatically to your Medigap company. On Plan G, the only bill most members see for Medicare-covered care is the annual Part B deductible, which is $283 in 2026.
Because there is no network, you never have to check whether a specialist is in plan. If they accept Medicare, you are covered, whether you are in Austin, visiting family out of state, or spending a few weeks on the coast. Medigap does not include drug coverage, so most people pair it with a standalone Part D drug plan.
That freedom matters around Austin, where people often split care between systems. You might see a family doctor with Baylor Scott & White in Round Rock, a cardiologist at the Heart Hospital of Austin, and get cancer care or surgery through Ascension Seton downtown. Veterans may also use VA clinics alongside Medicare. With Medigap, any of those providers that accept Medicare work the same way. We help across Travis, Williamson and Hays counties.
Compare
Plan G vs. Plan N vs. High-Deductible Plan G
| Plan | Monthly premium | What you pay | Best suited for |
|---|---|---|---|
| Plan G | Highest of the three | Only the annual Part B deductible | People who want the fewest bills and the most predictable year |
| Plan N | Moderate | Part B deductible, small office and ER copays, possible excess charges | Healthy members who see doctors occasionally and want a lower premium |
| High-Deductible Plan G | Lowest | Full Plan G benefits after you meet a high annual deductible | Budget-focused members comfortable with more risk in a bad year |
Rates can rise, the plan doesn't change
Medigap benefits are locked by law, so a rate increase is the main thing to watch. We can re-shop your Plan G or Plan N each year so you are not paying a loyalty penalty for staying put.
Medigap does not include prescriptions
You will want a separate Part D plan. Skipping it when you are first eligible, without other creditable drug coverage, can trigger a lifelong late penalty.
Timing
Your open enrollment window matters more than anything else
For six months beginning the month you are 65 or older and enrolled in Part B, you can buy any Medigap plan sold in Texas with no health questions at all. That is the one window where a diagnosis cannot raise your price or get you turned down.
After that window closes, carriers may use medical underwriting. Most people still qualify, but conditions like a recent heart procedure, oxygen use or insulin-dependent diabetes can limit choices. If you are turning 65 in Austin, start the conversation about three months early.
- Six-month guaranteed-issue window starts with Part B
- No network, no referrals, no annual plan shopping
- Guaranteed renewable as long as you pay the premium
- Special guaranteed-issue rights apply if a plan leaves your area
Is it right for you?
Who tends to choose Medigap around Austin
-
You see several specialists
Cardiology, oncology or orthopedics visits add up fast under copay-based plans. Medigap keeps those costs flat. -
You want budget certainty
A higher known premium beats an unknown out-of-pocket maximum for many retirees on a fixed income. -
You travel or split the year
Coverage follows you anywhere in the U.S. that accepts Medicare, with no out-of-area network worries.
If a lower monthly cost and built-in dental or fitness benefits matter more to you, compare this against Medicare Advantage in Austin, or read the side-by-side Advantage vs. Medigap comparison before deciding.
Underwriting
Applying outside a protected period
Inside your six-month Medigap open enrollment window, or when a guaranteed-issue right applies, health questions are off the table. Outside those periods, carriers may underwrite: they ask about diagnoses, procedures, medications and pending tests, and they can decline the application or offer a higher rate.
Guaranteed-issue rights exist in set situations. Your Advantage plan leaves the service area, an employer group plan ends, a carrier misled you, or you leave within the 12-month trial right after first joining an Advantage plan at 65. Those windows are short and easy to miss, which is why we ask about your history before we start an application rather than after it is declined.
If underwriting is likely to be a problem, we say so up front and look at Medicare Advantage instead of letting you collect a decline on your record. Already on a plan and thinking about a change? See switching your Medicare plan.
Rates
Rate increases, travel, and the yearly re-shop
How Medigap rates change
Benefits are fixed by law, so the only thing that moves is price. Many carriers price by attained age, meaning your premium rises as you get older and again when the carrier files a general increase. Two companies selling the identical Plan G can drift far apart over five years.
We can re-check your premium each year against the other carriers we represent. Moving usually requires passing underwriting, so it is a decision to make while you are healthy, not after a diagnosis.
Travel and access
With Original Medicare behind it, Medigap works with any provider in the country who accepts Medicare. There is no out-of-area rule, no referral, and no network to check before you see a specialist outside Central Texas.
Some Medigap plans, including Plan G and Plan N, include limited foreign travel emergency coverage. It is capped and has a deductible. It helps, but it is not a substitute for travel medical insurance on a long trip abroad.
Common questions
Medigap questions to ask before applying
When should I apply?
Do I still need a Part D plan?
Can my Medigap plan be cancelled?
Is Plan F still available?
Does the company I choose change my benefits?
Where can I get free, unbiased Medicare counseling in Texas?
Not sure whether Plan G or Plan N fits your year?
We'll price both with the carriers we represent in Texas and show you the real difference in dollars, free, with no obligation.