Texas Medigap Plan Rights

Medigap Made Simple

Open Enrollment Period (OEP) for All Texans Age 65 and Older


The open enrollment period for Medicare supplement insurance plans (Medigap) is a six-month period during which you may buy any plan offered in Texas. During this period, companies must sell you a policy, even if you have health problems. The open enrollment period begins when you enroll in Medicare Part B. You must have both Medicare Parts A and B to buy a policy. You can also switch to another policy during this six-month period.

Open Enrollment for People with Disabilities or Illness


People who are under age 65 get Medicare because of certain illness or disabilities also have a six-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right only applies to Texas Medicare Supplement Insurance Plan A.

Also, people who have Medicare because of disabilities will have another open enrollment period during the first six months after they turn 65.

Guaranteed Issue (GI)


You may have the right to buy a Medicare Supplement insurance policy outside of your open enrollment period if you lose certain types of health coverage. This is called guaranteed issue. For people over the age of 65, the guaranteed issue right applies to Plans A, B, C, F (including Plan F with a high deductible), K, and L.

Texans who are under the age of 65 with disabilities who enroll in Medicare Part B have guaranteed issue rights, but only for Plan A.

The guaranteed issue right is good for 63 days from the date coverage ends or from the date of notice that coverage will end, whichever is later. Companies may not place any restrictions, such as preexisting condition waiting periods or exclusions, on these policies. 

For more information about your Rights, read Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.

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Sarah began working in the healthcare industry in 2001, where she worked for many years with elderly Alzheimer and Dementia patients. From there she worked as a Group Benefits Administrator with a local healthcare company in the Human Resource Department for a period of 10 years. Since then, she has decided to work in the Medicare insurance industry full time and has joined the family business, Ashford Insurance, as a Medicare Insurance Agent.