Medicare Supplement (Medigap) in New Braunfels, TX — priced honestly.
Medigap plans give you nationwide access to any doctor who takes Medicare, with predictable out-of-pocket costs. Every Plan G is federally standardized — the coverage is identical between carriers. What changes is the price. I shop them all.
- 8+ years advising local families
- Independent — access to all major carriers
- Zero cost. Zero pressure. Ever.
You'll recognize yourself in at least one of these.
You want to keep seeing your specialist at MD Anderson or Baylor
Medigap works with any provider nationwide who accepts Medicare — no networks, no referrals, no surprise out-of-network bills.
You split time between New Braunfels and another state
Snowbirds and part-time Texans get real freedom with Medigap. Your coverage travels with you, no matter where you're seeing a doctor.
You're paying too much for Plan G because nobody re-shopped it
Same coverage, different carriers, different prices. Rates can vary by $30–$80/month for identical Plan G coverage. That's real money — every month, for the rest of your life.
You want predictable healthcare costs in retirement
Plan G's out-of-pocket max is essentially the small Part B deductible. After that, Medicare and your Supplement cover the rest. Budgeting for healthcare becomes simple.
How a Medicare Supplement fills the gaps in Original Medicare.
Original Medicare (Parts A and B) covers about 80% of your hospital and medical costs. The remaining 20%, plus deductibles and coinsurance, is on you — with no annual out-of-pocket cap. A serious hospitalization can create tens of thousands in exposure.
What Medigap does
A Medigap plan sits on top of Original Medicare and pays what Medicare doesn't. Plan G, the most popular option for people newly eligible, covers nearly everything after the small Part B deductible ($240 for 2025). Plan N covers slightly less in exchange for a lower premium.
How you use it
You show both cards — your red-white-and-blue Medicare card and your Medigap card — at any provider that accepts Medicare. Medicare pays first, Medigap pays second. No networks, no referrals, no prior authorization.
The tradeoff
Medigap premiums are higher than most Advantage plans — often $130–$200/month depending on age, ZIP, and carrier. In exchange, you get freedom of choice and predictable costs. It's a different philosophy: pay more monthly, less at the point of care.
Get real answers about medicare supplement in New Braunfels.
One phone call. No sales script. Bring your medications, doctors, and questions — I'll bring the plan comparisons.
Outcomes, not brochures.
- Every major Medigap carrier serving TX compared — same coverage, best price.
- Rate stability review: not just today's premium, but how each carrier has raised rates historically.
- Household and spousal discounts identified — up to 12% off with certain carriers when both members enroll.
- Pair a matched Part D drug plan at the same time — one enrollment, one advisor.
- Nationwide provider freedom — no networks, no referrals, no out-of-network penalties.
- Underwriting guidance for people switching from Advantage back to Original Medicare.
Four steps. Zero pressure.
Discover
We start with a no-cost conversation about your health, budget, doctors, and prescriptions.
Compare
I shop the top carriers side-by-side and translate the fine print into plain English.
Enroll
When you're ready, we complete the application together — usually in a single sitting.
Support
Questions in year two, three, or five? Call me. I stay your advisor after the paperwork is signed.
Built for New Braunfels and the Texas Hill Country.
Medigap is often the strongest choice for New Braunfels residents who travel frequently, own property in multiple states, or want unrestricted access to specialists in San Antonio, Austin, Houston, or beyond. Because it works nationwide, your care isn't limited to any single hospital system or provider network.
I've enrolled Medigap clients across Comal County, Guadalupe County, and Hays County — from Gruene, Canyon Lake, Seguin, San Marcos to Bulverde and Spring Branch. Regardless of your ZIP, the coverage is federally standardized. What varies is the carrier price, and that's where the shopping matters.
Related coverage
Medicare Advantage
The other main path — lower premium, network-based, with bundled extras.
Prescription Drug Plans
Medigap doesn't cover prescriptions. Pair it with a Part D plan that fits your medications.
Dental, Vision & Hearing
Original Medicare and Medigap don't cover routine dental, vision, or hearing.
Answers before you ask
01What is a Medicare Supplement plan?
A Medicare Supplement (also called Medigap) is a private policy that works alongside Original Medicare (Parts A and B). It pays some or all of the out-of-pocket costs Original Medicare leaves you with — deductibles, coinsurance, and copays. You keep your Original Medicare card and add the Medigap card.
02What's the difference between a Medigap Plan G and Plan N?
Plan G is the most comprehensive plan available to those new to Medicare — it covers nearly everything except the small Part B deductible. Plan N is slightly less expensive but has small copays for office visits and ER trips, and doesn't cover Part B excess charges. Both are strong choices in New Braunfels; the right one depends on your budget and doctor-visit frequency.
03Can I use my Medigap plan anywhere in the U.S.?
Yes — that's one of the biggest advantages. Medigap works with any provider that accepts Original Medicare, anywhere in the country. If you travel, split time between Texas and another state, or want the freedom to see specialists at MD Anderson or the Mayo Clinic, Medigap is often the better fit.
04Do Medicare Supplements include drug coverage?
No. Medigap covers only medical costs. If you go with a Supplement, you'll pair it with a standalone Part D prescription drug plan. We shop both at the same time.
05When is the best time to enroll in a Medicare Supplement in New Braunfels?
Your 6-month Medigap Open Enrollment Period starts the month you turn 65 and are enrolled in Part B. During this window, no carrier can deny you coverage or charge more based on health. Miss it, and future applications may require medical underwriting.
06Why do premiums vary between carriers for the same plan?
Every Plan G is the same by federal law — coverage doesn't change between carriers. But premiums do. Some carriers price aggressively for new enrollees; others hold rates steady long-term. I compare current price, historical rate stability, and financial strength before recommending a carrier.
07Can I switch from Medicare Advantage to a Medigap plan?
Sometimes, but usually with medical underwriting outside of your initial enrollment period. Special windows exist — moving out of your plan's service area, losing coverage, or other qualifying events. Call before you make the switch; timing matters.
08Do you offer Medigap plans from every major carrier?
Yes. I'm contracted with the major Medigap carriers serving TX — including Mutual of Omaha, Aetna, Cigna, UnitedHealthcare, Humana, and others. We compare pricing, rate history, and household discounts before you enroll.
Compare every Medigap plan available in New Braunfels — priced side by side.
Same coverage, real price differences. One phone call could save you hundreds a year on the exact same plan.