Can I buy a Medicare Supplement any time of year in Austin?

You can apply at any time, but outside your six-month Medigap Open Enrollment Period, or a situation with guaranteed-issue rights, insurers may review your health history and can decline coverage or charge more.

Do Medigap plans have networks in Austin?

Standard Medigap policies do not use networks; you can see providers that accept Medicare. Medicare SELECT policies are an exception and do use networks.

Can I have Medicare Advantage and a Medicare Supplement at the same time?

No. A Medigap policy only works with Original Medicare. If you're in Medicare Advantage, you would need to return to Original Medicare to use one.

Can I meet in person at your Austin office?

Yes. RGI Group's office is at 5900 Balcones Drive in Austin, and we also meet by phone or video in English or Spanish.

Medicare Supplement (Medigap) insurance in Austin, TX

A Medicare Supplement, or Medigap, policy works alongside Original Medicare to help pay costs such as deductibles, coinsurance, and copayments. Austin-area residents who want to see any doctor that accepts Medicare — including when traveling — often look at Medigap paired with a separate Part D drug plan. RGI Group explains how the standardized plans compare and when you can buy one with the strongest protections.

Why timing matters most

Your Medigap Open Enrollment Period lasts six months and begins the first month you are 65 or older and enrolled in Medicare Part B. During that window, insurers generally cannot deny you or charge more because of health conditions. After it ends, an application may be medically underwritten, so Austin residents approaching 65 should plan the Part B start date and Medigap application together.

Standardized plans, different prices

Medigap plans are identified by letters, and the benefits of a given letter are standardized. What differs between insurers is price, how premiums are rated over time, and customer service. That makes comparing the same letter across insurers we represent a practical exercise rather than guesswork.

Plan G and Plan N are common choices for people new to Medicare.
Plan F is not available to people who became eligible for Medicare on or after January 1, 2020.
A Medigap policy does not include drug coverage — pair it with a Part D plan.

Travel and flexibility

Some Austin retirees split time between Central Texas and family elsewhere, or travel often. Because Medigap follows Original Medicare, you can generally see any provider in the U.S. that accepts Medicare, without network restrictions. Some plans also include limited emergency coverage abroad.

Leaving employer or retiree coverage

If you are still working at an Austin employer past 65, or have ERS or TRS retiree coverage, the right moment to enroll in Part B and Medigap depends on how that coverage works with Medicare. Confirm with your benefits administrator before dropping anything.

How enrollment works

Confirm your Part B effective date and whether you are in your Medigap Open Enrollment Period.
Decide which plan letter fits your budget and expected use of care.
Compare that plan letter across the insurers we represent, then add a Part D plan.
Apply, and keep your Medicare card and policy documents together.

Frequently asked questions

Can I buy a Medicare Supplement any time of year in Austin? You can apply at any time, but outside your six-month Medigap Open Enrollment Period, or a situation with guaranteed-issue rights, insurers may review your health history and can decline coverage or charge more.
Do Medigap plans have networks in Austin? Standard Medigap policies do not use networks; you can see providers that accept Medicare. Medicare SELECT policies are an exception and do use networks.
Can I have Medicare Advantage and a Medicare Supplement at the same time? No. A Medigap policy only works with Original Medicare. If you're in Medicare Advantage, you would need to return to Original Medicare to use one.
Can I meet in person at your Austin office? Yes. RGI Group's office is at 5900 Balcones Drive in Austin, and we also meet by phone or video in English or Spanish.

Compare Medigap plans with an Austin agent

We'll confirm your enrollment window, compare plan letters, and help you pair Medigap with a Part D plan.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.