The saying that everything is bigger in Texas also applies to the number of Medicare recipients in the Lone Star State. There are just over 4,250,000 Texans that receive at least some part of Medicare’s benefits.

Some Texas residents enjoy every aspect of the program, while a certain number have a portion of Medicare’s offerings. Here, you’ll receive an overview of Medicare’s reach for Texas, including information about supplemental plans offered to Texans seeking full coverage.

Medicare in Texas

  • About 2,125,000 people in Texas enjoy enrollment in both Part A & Part B of Medicare.
  • Of the above number, a little more than 1,850,000 aged into Medicare; in contrast, 329,000 enrolled due to disability.
  • As far as Texas Medicare beneficiaries, 1,336,000 enrolled in a Medicare Advantage plan.
  • Over 1,650,000 Texans are part of a Medicare Part D prescription drug plan.

Breakdown of Medicare costs in Texas

With all this talk of Medicare costs, defining what goes into this is appropriate. Part A & Part B is commonly referred to as Original Medicare.

In Texas, as with every other state, Parts A and B have uniform benefits and costs. So there should be no surprises in this regard, no matter where you live. It’s normal to wonder at this point what each part covers.

Part A, when in place, is responsible for any hospital services needed by Texans enrolled. Medicare Part A is known as inpatient hospital coverage. Medicare beneficiaries with a work history of at least ten years (or 40 quarters) can sign up when they reach age 65.

Part B has a monthly premium, which again is standard for all enrolled. Part B is for outpatient services, including doctor visits, vaccines (like for the flu and COVID-19), medical checkups, and other treatments.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Looking at Original Medicare coverage for Texans

Many Texans enjoy Original Medicare coverage. In Part A alone, a little less than 2,500,000 Texas enrolled. Another 2,130,000 Texans are covered by Part B.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Available Medicare plans in Texas

Healthcare costs generally only rise as time progresses, and, like every other state, Texas is feeling those same effects. While some of the government-controlled portions of Medicare have fixed costs, the search for supplementary coverage should yield a balance of great benefits and affordability.

Unfortunately, this is not always a straightforward process. Careful comparison shopping on the part of Texans is crucial to securing the best supplementary coverage plan for each individual. A positive aspect is that there isn’t a lack of choices when looking to add on to Original Medicare.

In this regard, a Medicare Supplemental plan can significantly assist Texas residents. Such a plan is advantageous and appealing because the benefits are standardized, simple to use, and not difficult to understand in contrast with other insurance plans.

Getting a Medicare Supplemental plan from a private company means Texans can enjoy additional benefits not offered by Original Medicare in exchange for a small monthly premium.

In practice, these Medigap plans exist to extend your coverage across the gaps in Original Medicare coverage and to do so in a cost-efficient manner. If you choose to enroll in a Part D prescription drug plan and a Medicare Supplement plan, it could affect how the coverage works.

A Medicare Advantage plan might be the best option for Texans on a limited income. Another thing to note is prescription drug coverage is included under some Part C plans.

Estimated premiums for Supplemental Medicare coverage in Texas Cities

The attached charts provide estimated premium information for the various types of supplemental Medicare coverage in the following cities:

Offered Medicare resources for Texans

The state of Texas and the federal government combine to comprehensively offer Medicare resources for Texans.

To access Medicare services in Texas, Texas Health and Humans Services allow beneficiaries to visit the Texas Health Information, Counseling and Advocacy Program (HICAP). This HICAP program will answer your questions and allow you to access Medicare information confidently. Texans can also get information and advice by visiting the National Council on Aging.

If you’re already enrolled in Parts A & B of Medicare and are looking for a resource to help you navigate your supplemental options, you’re in the right place. Our licensed agents can help you.


What is the income limit for Medicare in Texas?

Unlike Medicaid, there are no income limits when it comes to Medicare. Anyone 65 years old, a US citizen, and with a 10-year work history qualifies for Medicare.

Does Texas have free Medicare?

As described above, if you’re 65 and have a minimum 10-year work history, Part A of Medicare is provided to you. The only way to receive the other parts of Medicare for free is if you’re considered low-income and qualify for a Medicare Savings Program.

How to apply for Medicare in Texas?

You can apply for Medicare in Texas up to 3 months before your 65th birthday. You can do so on the Social Security website. If you’re already receiving Social Security benefits by age 65, your Medicare enrollment will be automatic.

How to sign up for Supplemental Medicare in Texas

Traversing Medicare alone can be tricky, but it doesn’t have to be. By allowing a licensed agent to provide help, you can enjoy a leg up during this process. Even better, receiving services from a licensed agent is free to Texans. Complete our rate form today, giving you competitive rates for your part of Texas.

Navigating Medicare by yourself can be complicated. As a result, you can gain an advantage in this process by having a licensed agent assist you. The best part for you? The services are free! All you have to do is give us a call or complete our rate form to receive rates in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.