Medicare Supplement Insurance Broker in San Antonio, TX
Original Medicare leaves 20 percent coinsurance, hospital deductibles, and out-of-pocket costs with no annual cap. Wilkerson Insurance Agency compares Medigap plans from every major carrier serving San Antonio at no broker fee.
Request a Free Medicare Supplement Quote — San Antonio
No broker fee. We compare Plan G, Plan N, and all Medigap options for your situation.
What a Medicare Supplement Insurance Broker Does for San Antonio Seniors
An independent Medicare supplement insurance broker compares Medigap plans from multiple carriers on your behalf at no cost. Brokers are compensated by the carrier at enrollment, which means the comparison, enrollment support, and annual premium review add nothing to your Medigap premium. The most important thing a broker does for San Antonio Medicare clients is explain why the same plan letter from two different carriers can have very different premiums today and very different premiums five years from now.
Medigap plans are standardized by law, meaning Plan G from Carrier A has identical benefits to Plan G from Carrier B. What differs is the premium, the carrier’s financial stability, and how the carrier rates premiums over time. For a full overview of Medicare supplement plan types and how they work in Texas, visit our Medicare Supplement Plans page.
Here is what we do for every San Antonio Medicare supplement client:
- Compare Medigap plan premiums from all major carriers serving San Antonio across Plan A, B, D, G, K, L, M, and N.
- Explain the difference between Plan G and Plan N so you can weigh predictable coverage against lower premiums.
- Review premium rating methods — attained-age, issue-age, and community-rated — to project how premiums may change over time.
- Identify your Medigap Open Enrollment Period and the guaranteed issue rights that apply during that window.
- Advise on when switching plans or carriers may save money without losing coverage continuity.
- Assist with application and enrollment and remain available for annual premium reviews and questions year-round.
The Medigap premium comparison a broker provides at no cost is the same comparison you would have to request from a dozen carriers individually. The plan benefits are identical by law — only the premium, the rating method, and the carrier differ.
What Original Medicare Leaves Unpaid in San Antonio
Original Medicare consists of Part A for hospital insurance and Part B for medical insurance. Part A is premium-free for most beneficiaries who have at least 40 quarters of Medicare-covered employment. Part B carries a standard monthly premium of $202.90 in 2026 for most enrollees. Together, Parts A and B create significant out-of-pocket exposure that Medigap is designed to address.
| Out-of-Pocket Exposure | 2026 Amount | Which Medigap Plan Covers This |
|---|---|---|
| Part A inpatient hospital deductible | $1,736 per benefit period | Plans B, C, D, F, G, M (partial), and N |
| Part A daily coinsurance, days 61–90 | $434 per day | Most Medigap plans |
| Part A lifetime reserve days coinsurance | $868 per day | Most Medigap plans |
| Part B annual deductible | $283 in 2026 | Plans C and F only; not available to new enrollees |
| Part B 20% coinsurance, with no annual cap | 20% of all approved costs | Most Medigap plans |
| Skilled nursing facility daily coinsurance, days 21–100 | Set annually by CMS | Plans C, D, F, G, M, and N |
| Foreign travel emergency care | Up to plan limits | Plans C, D, F, G, M, and N; 80% after deductible |
| Routine dental, vision, and hearing care | Not covered by Medicare | Not covered by Medigap either |
Original Medicare has no annual out-of-pocket maximum for Part B costs. A San Antonio senior with a serious illness and frequent specialist visits could accumulate 20 percent coinsurance charges across hundreds of approved services in a single year. Medigap eliminates most or all of this exposure depending on the plan selected.
For a plain-language explanation of how Medicare supplement plans fill these gaps for Texas seniors, see our post on understanding Medicare supplement plans in Texas.
The Original Medicare Gaps That Can Become Expensive Fast
- Part B leaves 20 percent coinsurance with no annual out-of-pocket maximum.
- The Part A hospital deductible applies per benefit period, not simply once per calendar year.
- Long hospital stays create daily coinsurance charges after day 60.
- Medigap can close most or all of these gaps, depending on the standardized plan letter selected.
Medigap Plans Available to San Antonio Residents
Ten standard Medigap plan letters are authorized in Texas: A, B, C, D, F, G, K, L, M, and N. Federal law standardizes benefits within each letter. The Texas Department of Insurance requires every insurer selling a particular plan letter in Texas to offer the same covered benefits. Premiums differ; coverage does not.
| Plan | Part A Coinsurance | Part B Coinsurance | Part A Deductible | Part B Deductible | Foreign Travel Emergency | Available to New Enrollees? |
|---|---|---|---|---|---|---|
| A | Yes | Yes | No | No | No | Yes |
| B | Yes | Yes | Yes | No | No | Yes |
| D | Yes | Yes | Yes | No | Yes (80%) | Yes |
| G | Yes | Yes | Yes | No | Yes (80%) | Yes — most popular |
| K | Yes (50%) | Yes (50%) | Yes (50%) | No | No | Yes |
| L | Yes (75%) | Yes (75%) | Yes (75%) | No | No | Yes |
| M | Yes | Yes | Yes (50%) | No | Yes (80%) | Yes |
| N | Yes | Yes, with copays | Yes | No | Yes (80%) | Yes |
| C | Yes | Yes | Yes | Yes | Yes (80%) | No — only pre-January 2020 enrollees |
| F | Yes | Yes | Yes | Yes | Yes (80%) | No — only pre-January 2020 enrollees |
Plans C and F covered the Part B deductible, which is why they were the most comprehensive Medigap plans. Federal law eliminated them for Medicare enrollees who became eligible after January 1, 2020. San Antonio seniors who became eligible before that date may still hold Plan F policies, but new Medicare enrollees cannot purchase C or F.
Want every San Antonio Medigap carrier compared side by side?
We compare standardized benefits, current premiums, rating methods, and long-term cost at no broker fee.
Plan G vs Plan N: The Most Important Choice for San Antonio Medicare Enrollees
For the vast majority of San Antonio residents enrolling in Medicare supplement coverage today, the relevant comparison is between Plan G and Plan N. For a detailed side-by-side analysis of how these plans perform for Texas seniors, see our post on Plan G vs Plan N for Texas Medicare enrollees.
| Feature | Plan G | Plan N |
|---|---|---|
| Part B coinsurance (20%) | Covered in full | Covered, subject to copays |
| Part A hospital deductible ($1,736 in 2026) | Covered in full | Covered in full |
| Part B deductible ($283 in 2026) | Not covered — you pay | Not covered — you pay |
| Office visit copay | None | Up to $20 per visit |
| Emergency room copay, no admission | None | Up to $50 per visit |
| Part B excess charges | Covered in full | Not covered |
| Foreign travel emergency | 80% after deductible | 80% after deductible |
| Monthly premium in San Antonio | Typically higher than Plan N | Typically lower than Plan G |
The right plan depends on how often you visit the doctor. A San Antonio senior with frequent specialist visits and significant annual Part B cost exposure may find that Plan G’s higher premium costs less than Plan N’s accumulated copays over a year. A senior with infrequent medical visits may save money on Plan N’s lower monthly premium even after paying copays. We model this comparison for every San Antonio client before making a recommendation.
How Medicare Supplement Premiums Are Priced in San Antonio
Medigap premiums for the same plan letter can vary significantly from carrier to carrier in San Antonio. Beyond the initial premium comparison, the method a carrier uses to rate premiums over time affects your long-term cost more than the starting premium does. For more on how your age at enrollment affects long-term Medigap costs, see our guide on how age affects Medicare supplement premiums in Texas.
Attained-Age Rating
Your premium is based on your current age and increases as you get older. Starting premiums are often lower, but they rise with age in addition to general carrier rate adjustments.
Issue-Age Rating
Your premium is based on your age when you purchase the policy and does not rise simply because you get older. Inflation and healthcare trends may still produce rate increases.
Community Rating
All policyholders pay the same premium regardless of age. Community-rated policies are less common in Texas, but they are important to understand when comparing long-term carrier costs.
We present premium comparisons for San Antonio clients across all rating methods available in the market so the long-term cost picture is clear, not just the first-year premium.
Your Medigap Open Enrollment Period in San Antonio
Federal law provides a one-time Medigap Open Enrollment Period that begins the first month you are enrolled in Medicare Part B and are at least 65 years old. The period lasts for six months. During this window, no Texas insurance company can refuse to sell you a Medigap policy, charge you more because of your health history, or make you wait for coverage due to a pre-existing condition. This is called guaranteed issue.
After the Open Enrollment Period ends, Texas Medigap insurers may use medical underwriting to evaluate your health before issuing a policy. They may decline coverage, charge a higher premium, or add a waiting period for pre-existing conditions. The Open Enrollment Period is the single most important window for buying Medigap coverage, and choosing the right plan during that window has long-term consequences.
Missing your Medigap Open Enrollment Period does not mean you can never get coverage. But it does mean the carrier can review your health history and may charge more or decline coverage. Buying during the Open Enrollment Period is the most protected position.
San Antonio Residents Who Need Medicare Supplement Coverage
San Antonio Residents Turning 65
Turning 65 and enrolling in Medicare Part B starts your Open Enrollment Period. If you are still working and covered under an employer health plan at 65, you may be able to delay Part B without penalty and start your Open Enrollment Period when you retire. The rules depend on your employer’s size and coverage structure. We walk San Antonio clients through this timing decision before any enrollment action is taken.
Retirees Leaving Employer Coverage
When an employer health plan ends, a Special Enrollment Period allows Part B enrollment without penalty, and guaranteed issue rights for Medigap apply in certain situations. San Antonio retirees in this transition should act within the protected window to avoid medical underwriting.
Military Retirees at Joint Base San Antonio
Military retirees with TRICARE for Life have dual coverage: Medicare is primary, and TRICARE for Life acts as a secondary payer covering most of what Medicare leaves unpaid. Most TRICARE for Life beneficiaries do not need a separate Medigap policy because TRICARE for Life already fills most of the same gaps. We review this interaction before making any Medigap recommendation, since duplicate coverage generally adds premium cost without additional benefit.
San Antonio Seniors Reconsidering Medicare Advantage
Some San Antonio seniors enrolled in Medicare Advantage find that rising out-of-pocket costs, network changes, or prior authorization requirements motivate them to switch back to Original Medicare with a Medigap policy. Switching from Medicare Advantage to Medigap in Texas generally requires passing medical underwriting unless a special enrollment or guaranteed issue event applies. Understanding the process before making the change prevents gaps in coverage.
Spanish-Speaking Seniors
Agent Beatrice Rivas provides full bilingual Medigap consultations in Spanish for San Antonio’s large Hispanic and Latino senior community, helping clients compare plan options, understand enrollment timelines, and enroll without language barriers.
Medicare Supplement Carriers We Compare for San Antonio Clients
As an independent broker, Wilkerson Insurance Agency is not tied to any single carrier. We compare Medigap plans from all major carriers licensed to sell Medicare supplement insurance in Texas, including the following:
| Carrier | Notable Strength for San Antonio Clients |
|---|---|
| Mutual of Omaha | Strong Plan G and Plan N pricing for Texas and a well-established Medicare supplement track record. |
| AARP / UnitedHealthcare | Community-rated structure in Texas and strong name recognition among many San Antonio seniors. |
| Blue Cross Blue Shield of Texas | Strong local brand presence and competitive Plan G pricing for San Antonio ZIP codes. |
| Cigna | Competitive premiums and availability across the San Antonio metropolitan area. |
| Transamerica | Issue-age rating available in Texas and competitive options for younger Medicare enrollees. |
| Americo | Competitive Plan N pricing in Texas for clients prioritizing lower premiums. |
| Aetna | Competitive premiums and a broad carrier history in Texas. |
Wilkerson Insurance Agency has helped more than 2,000 Texas individuals, families, and seniors find health and Medicare coverage since 2010. Our San Antonio Medicare clients get independent carrier comparison, plan-letter analysis, and premium-rating review at no broker fee.
Request Your Free San Antonio Medigap Review
Plan G, Plan N, carrier pricing, rating methods, and enrollment timing compared at no broker fee.
Our team, led by LeRoy Wilkerson, consists of licensed, experienced professionals committed to providing personalized Medicare and health insurance guidance.
The right Medicare supplement plan gives you predictable costs and the freedom to see any Medicare-accepting provider in Texas. Our service costs you nothing extra. The comparison is real. And the right plan makes all the difference.