Texas Medicare & Life Insurance
Texas Medicare, explained in plain English. Then you decide.
Free guides written by licensed Texas agents, plus side-by-side Medicare Supplement quotes when you're ready. No jargon, no pressure.
Prefer to talk it through? Call (888) 414-4547
How we're different
- We educate, you decideEvery option explained before anyone talks prices.
- Advice that fits youBased on your doctors, prescriptions, budget, and plans for the future.
- No-nonsense supportStraight answers from licensed agents, this year and every year after.
Start here
Where are you in your Medicare journey?
Pick the one that sounds most like you. We'll show the guides worth reading first, in the order that makes sense.
New to Medicare
The biggest risk at 65 isn't picking the "wrong" plan. It's missing a deadline.
Key timing
Your Initial Enrollment Period lasts 7 months: the 3 months before your 65th birthday month, that month, and the 3 months after.
Your Medigap Open Enrollment Period starts once you're 65 and enrolled in Part B. It lasts 6 months.
Working past 65
Many people with employer coverage can delay Part B without a penalty. Whether you should depends on your employer's size and your plan.
Watch out for
Once you enroll in any part of Medicare, you can no longer contribute to an HSA. Part A can also be backdated up to 6 months.
Choosing your coverage
Your first decision is the big one: Original Medicare plus a Supplement, or a Medicare Advantage plan.
Why it matters
Outside your Medigap Open Enrollment Period, Texas insurers can generally ask health questions. Switching from Advantage back to a Supplement later isn't always possible.
- Original Medicare vs. Medicare Advantage
- Medigap Plan G vs. Medicare Advantage in Texas
- How much does Medicare cost?
Leaning toward a Medicare Supplement? Compare Plan G, Plan N, and High-Deductible Plan G in our Medigap guides below ↓
Already on Medicare
Plans, drug lists, and premiums change. A quick review each year can catch surprises before they cost you.
Key timing
Annual Enrollment runs October 15 to December 7 each year for Medicare Advantage and Part D changes.
Medigap isn't tied to that window. You can apply to switch any time, though health questions may apply.
The basics
The four parts of Medicare, in one minute
Almost every Medicare decision comes down to how these four pieces fit together.
Original Medicare
Run by the federal government. Part A covers hospital stays. Part B covers doctors and outpatient care. It leaves deductibles and 20% coinsurance for you to pay.
Medicare Supplement
Private insurance that pays most of what Original Medicare leaves behind. You can see any doctor nationwide who accepts Medicare.
Medicare Advantage
A private plan that replaces Original Medicare. Often low premiums and extra benefits, in exchange for networks, copays, and prior authorization.
Prescription Drugs
Standalone drug coverage you add alongside Original Medicare and a Supplement. Most Advantage plans include it.
Need dental coverage? Original Medicare doesn't cover routine dental care. See our guide to the best dental insurance for seniors on Medicare in Texas →
Medicare Supplement in Texas
Our most-read Medigap guides
Real Texas pricing, plan-by-plan breakdowns, and the trade-offs we walk clients through every day.
Before you apply
Medigap rules in Texas
Outside your Medigap Open Enrollment Period, insurers can ask about your health and turn you down. Here's how that works, and when you're protected.
Texans also ask
Common Medicare questions
Quick answers to the questions that come up on our calls every week, from extra benefits to denied claims.
How we help
We educate. You decide.
No cookie-cutter advice. Here's what working with us actually looks like.
Learn your options
Read our guides at your own pace, or call and we'll walk you through Original Medicare, Medigap, Advantage, and Part D in plain terms.
Compare what fits you
We look at your doctors, prescriptions, health, budget, and travel plans. Then we compare real Texas rates side by side.
Get support every year
After you enroll, we're still here for claims questions, rate increases, and annual reviews. Year after year.
Our goal is simple: help Texans understand, compare, and choose Medicare coverage with confidence.
Led by experts, backed by integrity
Texas Insurance Guide is an educational resource led by the team at Policy Guide, Inc.
We track annual Medicare changes and Texas-specific updates so our guidance stays accurate and current.
Texas life insurance
Protect your family from final expenses
Life insurance can keep funeral costs and outstanding debts from landing on the people you love.
For older adults, the type of policy matters as much as the price. We'll help you choose coverage for yourself, a spouse, or a parent.
Term life
- Lower starting cost
- Coverage ends after a set number of years
- Can get expensive, or unavailable, to renew later in life
Whole life & burial
- Lifelong coverage that doesn't expire
- Premiums typically stay level
- Often the better fit for final expenses
Ready to see what Medigap costs in your area?
Compare Texas Medicare Supplement rates side by side, or call a licensed agent with your questions. No pressure, just answers.