To buy Medigap insurance plans if you are in Texas, you must meet the requirements for Medicare Part A and Medicare Part B. If you want to enhance your well-merited benefits with the state’s Medigap, then the perfect time to consider enrolling in the two basic parts of the Original Medicare should be when you are turning 65 years old. To learn more about this you can view our Medigap Guide.
Many insurance companies in Texas often allow people to apply for their Medigap insurance plans some months earlier. So, this therefore means that you don’t have to wait until you celebrate your 65th birthday.
So, when are you eligible for Medigap plans in Texas? Here is a brief summary of when insurance companies in Texas can accept you for Medicare supplement insurance plans without necessarily subjecting you to answering any health questions.
Senior citizens turning 65
If you are turning 65, the law gives you a 6-month period within which you can be able to enroll for any available Medigap insurance plans in TX that begins by the time you enroll for the first time in Part B of Medicare.
People with disability who are receiving Part B for the first time
If you are physically challenged, you will be required to receive Medicare Part B first. It’s important to note that you will also have the 6-month window to enroll for any available Texas Medigap plans particularly those that begin immediately after your enrollment. However, this is only for Part A Medicare. If you have more questions about Medicare and disability’s you can call us or visit Medicare.gov
Physically challenged persons losing coverage
If you are physically challenged, and losing coverage, you will have an additional guaranteed right to buy. However, this is also for Medicare Plan A only.
Seniors after the expiry of the first Guarantee-issue window
If you are 65 and above, and you happen to lose coverage for whatever reasons, you will be eligible to enjoy another Guarantee-Issue period when Medigap Insurance companies in Texas have to sell you a Medicare supplement insurance. However, this is not for all plans. Precisely, it is for Medigap Plan L, K, F, C, B and A. It is also for High-deductible Plan F.
Conclusion
Therefore, the ideal time you should buy Medigap insurance plan in TX is actually when you first sign up for Part B of Medicare, and have Medicare Part A. Of course, insurance companies may accept you at some other times. However, they might probably require you to answer some health questions. The companies could decline your request, or charge you more at those other times.
Learn more about Medigap plans & rates in Texas at www.emedigap-plans.com/texas-medigap-insurance-plans. Our Texas Medigap Insurance brokers will help you compare Medigap Insurance rates and plans today. To talk to an expert in Texas Medigap coverage call toll free 888-452-7949