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State Resources
Free one-on-one Medicare counseling through your state's SHIP, state Medicaid and savings programs, and the Texas-specific options we cover in depth.
Medicare is federal, but much of the help around it is run by states: the State Health Insurance Assistance Program offers free, unbiased counseling in every state; Medicaid and Medicare Savings Programs have state-set rules; Medigap protections vary by state. Where you live changes what you can get.
A counselor who knows your state's rules is the single most useful free resource in Medicare, and most people never hear of it. The guides below tell you what to ask for and where, starting with Texas.
Guides
All articles
The Medigap Birthday Rule: Switching Plans Without Health Questions
Learn about the Medigap birthday rule, a state-specific right allowing you to switch Medigap plans without medical underwriting. Discover which states offer this benefit.
Medicare in Texas: Your Local Options and Resources
Medicare in Texas offers unique plan options, local SHIP counseling, and state Medicaid resources. Here's your guide to navigating Medicare as a Texas resident.
