Medicare Supplement Plans in Fort Worth, TX
Compare Plan G, Plan N and High-Deductible G from the carriers we represent, with a licensed local agent. We pair your plan with a Part D drug plan, at no cost to you.
What a Medicare Supplement plan covers
A Medicare Supplement plan, also called Medigap, pays some or all of the costs Original Medicare leaves behind, such as the Part A hospital deductible and the 20% Part B coinsurance. Our licensed agents in Fort Worth compare Medicare Supplement plans from the carriers we represent and help you pair one with a Part D drug plan, at no cost to you.
Original Medicare (Part A and Part B) covers most hospital and medical care, but it has deductibles, daily hospital charges and a 20% coinsurance with no yearly limit. A Medicare Supplement plan fills in those gaps. In 2026, for example, the Part A deductible is $1,736 per benefit period and the Part B deductible is $283 a year.
Helps pay for
- The Part A hospital deductible and daily hospital coinsurance
- The 20% Part B coinsurance for doctor visits, tests and outpatient care
- Skilled nursing facility coinsurance
- Blood, hospice coinsurance and, on most plans, foreign travel emergencies
Does not cover
- Prescription drugs. You add a separate Medicare Part D drug plan.
- Routine dental, vision or hearing care
- Long-term custodial care
- Care from providers who don’t accept Medicare
The most popular plans: G, N and High-Deductible G
These are the three plans most people compare.
Plan G
- Covers everything Original Medicare leaves except the Part B deductible
- Covers Part B excess charges
- No copays at the doctor or ER
Plan N
- Covers the Part A deductible and Part B coinsurance
- Copays up to $20 for some office visits and up to $50 for ER visits without admission
- Does not cover Part B excess charges
High-Deductible Plan G
- Same benefits as Plan G once you meet the deductible
- You pay the first $3,050 of covered costs in 2027
- The Part B deductible counts toward it
Swipe the table sideways to see all three plans →
| What you pay | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|
| Part A hospital deductible | $0 | $0 | $0 after the plan deductible |
| Part B deductible ($283 in 2026) | You pay it | You pay it | Counts toward the plan deductible |
| Part B 20% coinsurance | $0 | $0, except copays up to $20 (office) and $50 (ER, no admission) | $0 after the plan deductible |
| Part B excess charges | $0 | You pay them | $0 after the plan deductible |
| Plan deductible | None | None | $3,050 in 2027 |
| Monthly premium | Highest of the three | Usually lower than Plan G | Usually the lowest |
Plan F and Plan C also cover the Part B deductible, but only people who became eligible for Medicare before January 1, 2020 can buy them.
When to buy a Medicare Supplement plan
Timing matters more with Medigap than with any other Medicare coverage.
Turn 65 and enroll in Part B
Your Medigap clock starts the first month you are 65 or older and have Part B.
Your 6-month open enrollment
Any company must sell you any plan it offers, at standard rates, even with health conditions. This is the best time to buy.
After the 6 months
Companies can ask health questions and may charge more or decline, unless you have a guaranteed-issue right, such as your Medicare Advantage plan leaving the area.
Under 65 with Medicare in Texas
If you have Medicare before 65 because of a disability, Texas gives you a six-month open enrollment period when you first enroll in Part B, and carriers must offer you Plan A on a guaranteed-issue basis (prices can be higher). When you turn 65 you get a new open enrollment period with access to every plan at age-65 rates.
How Medicare Supplement prices work in Texas
Your premium depends on:
Companies also price plans in different ways: some raise premiums as you get older, others base the price on the age you were when you bought the plan. Because benefits are identical by letter, comparing several companies’ prices and their rate-increase history is the most useful thing you can do. We do that comparison for you.
Medicare Supplement or Medicare Advantage?
Supplement + Part D Predictable
- Higher monthly premium
- Few or no costs when you get care
- Any doctor in the U.S. that takes Medicare
- No referrals
Medicare Advantage Low premium
- Often a low or $0 premium
- Copays and coinsurance up to a yearly limit
- Uses a provider network (HMO or PPO)
- Often adds dental, vision or hearing
The right choice depends on your doctors, your health, how much you travel and your budget. Read more about Medicare Advantage in Fort Worth, or let us walk you through both side by side.
How we help
Carolina Cox on our team can review your Medicare options with you in Spanish.
Our office is at 109 E Rosedale St, Fort Worth, TX 76104, and we work with clients across Tarrant County and the Dallas–Fort Worth area. New to Medicare? Start with our turning 65 guide or the Medicare hub.
Medicare Supplement questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
Does a Medicare Supplement plan cover prescriptions?
No. Medicare Supplement plans sold today do not include drug coverage. Most people add a separate Part D plan. In 2027 the yearly out-of-pocket cap for covered Part D drugs is $2,400.
Can I use my Medicare Supplement plan outside Texas?
Yes. You can see any doctor or hospital in the U.S. that accepts Medicare, and most plans include limited foreign travel emergency coverage.
Is Plan G or Plan N better?
Plan G costs more each month but leaves only the Part B deductible. Plan N costs less but has small copays and does not cover Part B excess charges. If you visit doctors often, Plan G is usually simpler; if you rarely go, Plan N can save money.
Can I switch Medicare Supplement plans later?
You can apply to change plans at any time, but outside your open enrollment period or a guaranteed-issue situation the new company may ask health questions. We can check your options before you cancel anything.
Does it cost anything to work with Schuder Insurance?
No. There is no charge for our help. Premiums are set by the insurance company and are the same whether you buy through us or directly.
Serving Tarrant County and the Dallas–Fort Worth area
From our Fort Worth office we help Medicare clients in person, by phone and online.
Compare Medicare Supplement plans with a local agent
We’ll show you Plan G, Plan N and High-Deductible G prices side by side, plus a Part D plan for your prescriptions. No cost, no obligation.