When to Enroll in a Texas Medicare Supplement
Before discussing Texas Medicare supplements, it’s important to discuss Medicare enrollment timing because this can impact your choices. You won’t have an annual Open Enrollment Period like the one for Part D and Medicare Advantage. You can apply for a Texas Medicare supplement whenever you qualify for Part A and after you enroll in B. Your timing may affect your choices and eligibility.
These are some quick facts about Texans who qualify for Medicare from the Kaiser Family Foundation:
- Percent of Texans on Medicare who are at least 65: 84 percent
- Percent of Texans who are disabled and younger than 65: 16 percent
Open Enrollment for Disabled Texans Under 65
If you haven’t yet turned 65 and qualify for Medicare because you suffer from a disability, you have a Medicare Supplement Open Enrollment Period from your month of initial Part B enrollment and for 5 more months after that. Texas limits your guaranteed enrollment to Medicare Supplement or Medigap Plan A. Many Texans who are under 65 and on Medicare choose Medicare Advantage because of this restriction. Once you pass the your initial Medicare Supplement enrollment period, you’ll have to pass the health questions when you apply.
Open Enrollment for Over-65 Medicare Recipients
Once you turn 65, you get the same Guaranteed Enrollment period that everybody else does if you formerly qualified because of a disability or not. People who qualify for Medicare after turning 65 can enroll in any of the plans without worrying about health underwriting for the first 6 months of enrolling in Medicare Part B. This Guaranteed Enrollment Period begins in the month you qualify and lasts for a total of six months.
So, the best time to enroll in Texas Medicare supplements is during that Open Enrollment Period when you have turned 65 and qualify for Part A and B. Some people delay enrolling Medicare Part B because they have other health insurance from work, so their Guaranteed Enrollment Period would still begin when they opt into Part B.
Determining the best solution
Don’t forget that you’ll also need to enroll in Medicare Part D to provide you with coverage for most prescriptions. If you don’t have credible prescription insurance, you will get penalized if you enroll later. Also, you’ll lack any insurance to help you pay for medicine you need from the pharmacy.
Texas Medicare supplements offer you the flexibility to choose your doctors and minimize out-of-pocket health expenses. Since each supplement offers the same base coverage from any insurance company, you are free to shop for competitive prices, money-saving perks, and excellent customer service. Give us a call at (614) 402-5160 and we’ll help you find the Best Medicare Supplement plan and company for you.