Find Medicare Insurance Agents in Houston, Texas
Licensed independent agents serving Harris County
Choosing the right Medicare Supplement plan in Houston is one of the most important financial decisions you'll make in retirement. A licensed Medicare insurance agent can walk you through every plan option available in Harris County, compare costs from multiple carriers, and help you enroll — at no cost to you. Agents are paid by the insurance companies, so their guidance is free.
Questions to Ask Medicare Agents in Houston, Texas
- Is there a monthly premium in addition to my Part B premium?
- Are my doctors, preferred hospital, and pharmacies included in the plan's network?
- What drug plan coverage is included, and are my medications on the formulary?
- What do the free additional benefits (dental, vision, hearing) actually cover?
- Do you offer a household/couples discount, and what is the maximum discount available?
Find a Licensed Medicare Agent Near You in Houston
Use the directory below to connect with licensed, independent Medicare insurance agents serving Houston and the surrounding Harris County area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.
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Facts About Medicare in Texas
- There are 385 different Medicare Advantage plans available in Texas in 2023.
- 100% of Texas Counties have a Medicare Advantage plan with a $0 monthly premium in 2023.
- The average monthly premium for a Medicare Advantage plan in Texas is $8.94, down from $10.55 in 2022.
- Some 25 Medigap insurers offer plans in Texas.
- Some insurers add a Policy Fee of $25, and the maximum available Household discount is 14%.
Texas Medicare Advantage Plans
In 2023, there are 385 Medicare Advantage plans available in Texas, with 100% of Texas counties offering at least one plan with a $0 monthly premium. The average monthly premium for a Medicare Advantage plan in Texas is $8.94, and the vast majority of plans offer added benefits such as dental, vision, and hearing.
Medigap Insurance Companies in Houston, Texas
The following carriers offer Medicare Supplement plans to Houston-area residents. Premiums vary significantly between companies for identical plan benefits — comparing quotes is essential.
- AARP (UnitedHealth Group)
- Aetna Health Insurance
- Aflac
- Allstate Health Solutions
- Anthem
- Bankers Fidelity
- Chubb Limited
- Cigna National
- Humana
- Liberty Bankers
- Medico Insurance Co.
- Mutual of Omaha
- New Era Life
- Prosperity Life
- UnitedHealth Group
Estimated Medigap Plan G & Plan N Rates — Houston, Texas (Zip 77002)
Estimated rates for Zip 77002. Contact a licensed agent for current quotes.
Plan G Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $125.53 | $349.64 |
| Female (Age 65) | $112.12 | $312.18 |
Plan N Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $100.06 | $208.00 |
| Female (Age 65) | $88.59 | $181.00 |
Frequently Asked Questions
What is the best Medicare Supplement plan in Houston?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything Medicare covers except the Part B deductible. Plan N offers lower premiums with small copays for office and ER visits.
When is the best time to enroll in Medicare Supplement in Texas?
During your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Part B. During this window no insurer can deny you coverage or charge more due to health conditions.
Do I need a referral to see a specialist with a Medigap plan?
No. Original Medicare does not require referrals. You can see any specialist who accepts Medicare anywhere in the United States with no prior authorization required.
Can I switch Medicare Supplement plans after I enroll?
Yes, but outside of your Open Enrollment Period you may be subject to medical underwriting. If you are in good health, switching to a lower-cost carrier for the same plan level is often straightforward.