Medicare Insurance
Medicare Insurance in Texas: Personalized Plans with Expert Guidance
Navigating the world of Medicare insurance in Texas can be overwhelming, especially if you’re approaching retirement or turning 65 soon. At Insurance Brokerage of Texas, we simplify the process with tailored plans, honest advice, and hands-on support—ensuring you get the coverage that best fits your health needs and budget.
Whether you’re new to Medicare, exploring Medicare Advantage, or supplementing Original Medicare with extra benefits, our licensed agents help you make informed decisions that protect your health and future.
Why Medicare Matters in Texas
Texas is home to one of the fastest-growing senior populations in the country. With thousands of Texans turning 64 and 65 each year, access to reliable and affordable Medicare insurance has never been more important.
From El Paso to Houston, and from Dallas to San Antonio, Medicare options can vary by region and provider. That’s why local expertise matters.
Our Texas-based team understands the unique challenges and opportunities facing residents across the state. We’ll walk you through every option available to you—from Original Medicare (Parts A and B) to Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans.
What Medicare Insurance Covers
Understanding what each part of Medicare covers is key to choosing the right plan. Here’s a quick breakdown:
Medicare Part A (Hospital Insurance)
Covers inpatient hospital care
Skilled nursing facility stays
Hospice care
Some home health services
Medicare Part B (Medical Insurance)
Covers doctor visits
Outpatient care
Preventive services
Medical equipment and supplies
Offered by private insurance companies
Includes Parts A and B coverage
Often includes prescription drugs, vision, dental, and wellness perks
Medicare Part D (Prescription Drug Coverage)
Helps cover the cost of prescription medications
Plans vary based on formulary and preferred pharmacies
Medicare Supplement Plans (Medigap)
Help pay out-of-pocket costs not covered by Parts A and B
Different plans available depending on your healthcare usage and budget
Turning 64 or 65 in Texas? Here's What to Know
If you’re approaching age 65, you may be eligible for Medicare. Enrollment periods are crucial—missing one could mean coverage gaps or penalties.
Initial Enrollment Period (IEP): Begins three months before you turn 65 and lasts for seven months.
General Enrollment Period: January 1 – March 31 each year.
Medicare Advantage Open Enrollment: January 1 – March 31.
Annual Enrollment Period (AEP): October 15 – December 7.
We help you time your application right and select the most cost-effective plan without the confusion or stress.
Why Choose Us for Medicare Insurance in Texas?
Choosing a Medicare plan shouldn’t feel like a guessing game. At Insurance Brokerage of Texas, we provide:
Free consultations with licensed Medicare brokers
Personalized plan recommendations based on your healthcare needs
Access to major carriers like Aetna, Humana, Blue Cross Blue Shield, and UnitedHealthcare
Ongoing support even after enrollment
Our goal? To make sure you feel confident in your coverage—now and in the years to come.
What Makes Texas Medicare Plans Unique?
Medicare in Texas can include regional differences in:
Plan availability
Provider networks
Monthly premiums
Prescription drug coverage
That’s why it’s essential to work with a Texas-based Medicare expert who knows the market and can guide you through the best options in your area.
Additional Services We Provide
In addition to Medicare, we offer insurance services tailored to every stage of life:
Life Insurance – Protect your loved ones with term or whole life plans.
Long-Term Care Insurance – Be prepared for the unexpected with coverage for nursing care or assisted living.
Supplemental Health Plans – From hospital indemnity to critical illness insurance, we help you fill the gaps that Medicare doesn’t cover.
Medicare Insurance FAQs
A Medicare insurance plan provides health coverage for individuals aged 65 and older, or those with certain disabilities. It includes different parts:
Part A covers hospital care
Part B covers outpatient and doctor visits
Part C (Medicare Advantage) combines A and B and often includes extra benefits
Part D provides prescription drug coverage
Some people also choose Medigap (Medicare Supplement) plans to help pay for out-of-pocket costs.
“Visit Medicare.gov for official information about Medicare coverage and enrollment.”
If you have employer coverage, you may be able to delay Part B without penalty. However, it’s important to evaluate how your current plan works with Medicare.
Part A is usually premium-free if you’ve paid Medicare taxes for 10+ years. Part B has a standard monthly premium. Other plans like Part C or D have separate costs.
Yes, during open enrollment periods you can switch, drop, or add coverage to better match your healthcare needs.
The standard monthly premium for Medicare Part B in 2025 is around $174.70, but this can vary based on income and plan type. Part A is typically premium-free if you’ve worked and paid Medicare taxes for at least 10 years. Medicare Advantage and Part D plans have their own premiums, which depend on the provider and coverage level.
Does everyone have to pay $170 a month for Medicare?
Not exactly. The $170 figure refers to a recent standard monthly premium for Part B, but it changes yearly. People with higher incomes may pay more due to Income-Related Monthly Adjustment Amounts (IRMAA). Additionally, many Medicare Advantage plans offer lower premiums, and some even have $0 monthly premiums, depending on where you live.
The best Medicare plan depends on your personal needs—your prescriptions, doctors, travel habits, and budget. For some, Medicare Advantage is ideal because it includes extra benefits like dental and vision. Others prefer Original Medicare paired with a Medigap plan for more predictable out-of-pocket costs. Our agents help you compare all available options in your area to find your best match.
Let Us Help You Get Started
Whether you’re new to Medicare, helping a parent enroll, or comparing options for better coverage, we’re here to help.
📞 Call us today or 📨 fill out our quick form for a free consultation with a licensed Texas insurance broker. There’s no pressure—just clear answers and real savings.
Serving Seniors Across Texas
We proudly assist clients in:
Houston
Dallas
Austin
San Antonio
Fort Worth
El Paso
Corpus Christi
and beyond.
Companies We Work With
We partner with top-rated providers, including:
Aetna
Humana
Blue Cross Blue Shield
UnitedHealthcare
Cigna
Mutual of Omaha
Secure your future with confidence.
Explore Medicare insurance in Texas with Insurance Brokerage of Texas.