MEDICARE PART C PLANS AND TEXAS SUPPLEMENTAL INSURANCE

Medicare Part C plans are Medicare Advantage plans that provide additional health insurance coverage and may also lower a patient’s out-of-pocket expenses. Medicare Part C plans are available to eligible applicants who receive health insurance benefits from a Medicare Advantage organization or other Medicare-approved company. Medicare supplemental insurance is another name for Medigap insurance. Medicare Part C makes an applicant ineligible from receiving Medigap insurance since the two cover many of the same services. Both plans provide coverage for additional days spent in a hospital. Below, Medicare Part C applicants can find information about enrolling in Plan C:

  • What is Medicare Part C in Texas?
  • Medicare supplemental insurance in Texas
  • How to get Medicare Plan C in Texas
  • Medicare Part C eligibility requirements in Texas
  • How much Does Medicare Part C cost in Texas?

What is Medicare Part C in Texas?

Medicare Plan C or Medicare Advantage plans offer applicants additional benefits that Plans A and B do not cover. Applicants may enroll in Medicare Part C if they are already enrolled in Medicare Parts A and B. Additionally, Texas Medicare Part C plans include health maintenance organizations, special needs plans, preferred provider organizations, provider-sponsored organizations and private fee-for-service plans. Most Medicare Part C plans also cover prescription drug costs as well as vision and dental services.

Medicare Supplemental Insurance in Texas

Medicare supplemental insurance or Medigap insurance is an additional option for filling in the gaps between services that Medicare will and will not pay. However, TX Medicare supplemental insurance will only pay for services considered medically necessary by Medicare. Medicare supplemental insurance policies are only available to applicants who are already enrolled in plans A and B. However, Medicare supplemental insurance policies only cover one person, so couples each need to buy separate Part C policies. Also, prescription drug coverage is excluded from the plan. Medicare supplemental insurance applicants who need prescription drug coverage should join a Medicare Part D policy.

Additionally, candidates cannot be enrolled in a Medicare supplemental insurance plan and a Part C plan at the same time. The two plans offer many of the same benefits, but not all. Medicare supplemental insurance supplements a candidate’s original Medicare benefits, while Part C plans offer additional ways to get Medicare benefits. Medicare Part C plans are guaranteed to be renewable, even if additional health problems arise over time. If the candidate pays the premium, Medigap policies cannot be cancelled.

How to Get Medicare Plan C in Texas

Applicants can enroll in Medicare Part C plans beginning three months before their 65th birthday. Texas Medicare Part C enrollment may also be completed during Medicare open enrollment from October 15 through December 7. Medicare Part C plans will go into effect on January 1 of the upcoming year; however, special enrollment periods are also available in certain situations.

Before enrolling in Medicare Part C plans for the first time, applicants are encouraged to decide whether they want an original Medicare plan or a Medical Advantage plan. Applicants should then use a Medicare Plan Finder to find a Medicare Part C plan in their area. Some Medicare Part C policies may allow an applicant to join online, while others may require a paper enrollment form to be printed, filled out and returned in the mail.

During enrollment, Medicare Plan C applicants should be prepared to give their Medicare number and the date that Part A and/or Part B coverage began.

Medicare Part C Eligibility Requirements in Texas

A candidate becomes eligible to join Medicare Part C plans in Texas if the following three qualifications are met:

  • There is a Medicare Part C plan in a nearby service area
  • The candidate is enrolled in Medicare Part A or Medicare Part B
  • The candidate does not have end-stage renal disease or kidney failure

Applicants have the option to switch to a new Medicare Part C plan during open enrollment periods. When switching Medicare Part C plans, applicants are encouraged to consider the benefits of a Part D policy, which covers prescription drugs. To join, drop or switch Medicare Part C plans, applicants should contact their current plan or contact Medicare directly by telephone.

How Much Does Medicare Part C Cost in Texas?

In addition to Plan B premiums, Medicare Part C costs generally include a monthly premium. Medicare Part C costs may also include co-pays, deductibles and coinsurance costs. However, premium costs and other fees vary by plan.

To get an idea of how much Medicare Plan C will cost, candidates should review Medicare plans and compare the costs of each and then contact each plan directly for additional information


What are benefits for Texas residents?

The State of Texas offers a wide array of benefits and services to the residents of Texas at home and abroad. These benefits include health care, housing assistance, unemployment assistance and a variety of programs for families to assist with food and health expense. Many individuals and families qualify for several of these programs. Complete the survey and download our guide to find helpful information on all of Texas Benefits along with details about eligibility and instructions for how to apply here.


Who is eligible for Texas benefits?

The State of Texas extends benefits to those who qualify. Families, individuals who have lost their job, persons with disabilities and elderly residents are usually those who will benefit the most from Texas’s social welfare programs. For a comprehensive list of the requirements for each of Texas’ programs please complete the survey and download our guide.