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 of these Texas residents enjoy every aspect of the program, while a certain number just have a portion of Medicare’s offerings. Here, you’ll receive an overview of Medicare’s reach for Texas, which will include information about supplemental plans on offer to Texans looking for 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 were enrolled due to disability.
  • As far as Texas Medicare beneficiaries, 1,336,000 are enrolled in a Medicare Advantage plan
  • Just 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, it’s appropriate to define what goes into this. Original Medicare is what Part A & Part B are known as.

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 faith to wonder at this point which each part covers though.

Part A, when in place, is responsible for any hospital services needed by Texans enrolled. This is also known as inpatient coverage and anyone who has a work history of at least 10 years (or 40 quarters) can sign up for this as soon as they reach age 65.

Part B does have a monthly premium, which again is standard for all who are enrolled. Part B is for outpatient services that include visits to doctors’ offices, vaccines (like for the flu and COVID-19), medical checkups, and other treatments.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Looking at Original Medicare Coverage for Texans

Many Texans enjoy Original Medicare coverage. In fact, in Part A alone, a little less than 2,500,000 Texas are 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 Supplemental Medicare Plans in Texas

Health care costs generally only stand to 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 of this is there isn’t a lack of choices when looking to add on to Original Medicare.

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

Getting a Medicare Supplemental plan from a private company means that additional benefits not offered by Original Medicare can be enjoyed by Texans 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 Medigap plan, it could affect how the coverage works.

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

Offered Medicare Resources for Texans

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

To access Medicare services in the state of 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 confidently access Medicare information. Texans can also get information and advice by visiting the National Council on Aging.

If you’re already enrolled in Part A & Part 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 who is 65 years old, a U.S. citizen, and has 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 are already receiving Social Security benefits by age 65, you will be automatically enrolled in Medicare.

How to Sign Up for Supplemental Medicare in Texas

Traversing Medicare on your own 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 at no cost to Texans. Just complete our rate form today and you’ll be given 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.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert 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.