Choosing the right Medicare plan is one of the most important financial decisions you’ll make this year. For seniors in New Braunfels, Texas, the options for 2026 are more diverse than ever. Whether you’re turning 65 or looking to switch plans during open enrollment, this guide will help you navigate the local landscape.
Why Local Expertise Matters in New Braunfels
Medicare isn’t just a national program; it’s highly local. The plans available in Comal County may differ significantly from those in San Antonio or Austin. By working with a local expert at Turning 65 Solutions, you ensure that your doctors, hospitals (like Christus Santa Rosa), and pharmacies are all in-network.
When you search for “Medicare plans,” you’ll often find national call centers that don’t understand the nuances of our local healthcare system. They might not know that a specific specialist in New Braunfels isn’t taking a certain Advantage plan, or that a local pharmacy offers better pricing on certain tiers of medications. We live and work here, so we know the New Braunfels medical community inside and out.
Your 2026 Medicare Options in New Braunfels
In 2026, New Braunfels residents have three primary paths to consider:
1. Original Medicare (Parts A & B)
This is the foundation of your coverage, provided by the federal government. Part A covers hospital stays, while Part B covers doctor visits and outpatient services. However, Original Medicare doesn’t cover everything—there are deductibles, coinsurance, and no cap on out-of-pocket costs.
2. Medicare Supplements (Medigap)
To fill the gaps in Original Medicare, many New Braunfels seniors choose a Medigap plan. These plans are standardized (Plans A through N) and allow you to see any doctor in the country that accepts Medicare. Plan G remains a top choice for 2026 due to its comprehensive coverage.
3. Medicare Advantage (Part C)
Medicare Advantage plans are an “all-in-one” alternative to Original Medicare. These plans are offered by private companies and often include extra benefits like dental, vision, hearing, and even gym memberships. In New Braunfels, we’re seeing several new Advantage options for 2026 with competitive networks and low premiums.
How to Compare Plans Effectively
When reviewing your 2026 options, don’t just look at the monthly premium. Focus on these three critical factors:
- Total Annual Cost: Calculate your potential out-of-pocket costs, including deductibles, copays, and the Maximum Out-of-Pocket (MOOP) limit.
- Provider Network: Verify that your primary care physician and any specialists you see are in the plan’s network for 2026.
- Prescription Drug Coverage: Every plan has a different “formulary” (list of covered drugs). Ensure your specific medications are covered at the lowest possible cost tier.
Common Medicare Mistakes to Avoid
- Missing Deadlines: Not enrolling during your Initial Enrollment Period can lead to lifelong penalties.
- Choosing Based on a Friend’s Plan: Everyone’s health needs and medications are different. What works for your neighbor might not work for you.
- Ignoring Annual Changes: Plans change their costs and networks every year. Always review your coverage during the Annual Enrollment Period (Oct 15 – Dec 7).
Frequently Asked Questions
Q: When can I change my Medicare plan in New Braunfels?
A: The main time to change is during the Annual Enrollment Period, from October 15 to December 7 each year.
Q: Does Medicare cover dental and vision?
A: Original Medicare does not, but many Medicare Advantage plans and standalone policies do. We can help you find the right add-on coverage.
Get Personalized Help Today
Don’t navigate the 2026 Medicare season alone. At Turning 65 Solutions, we specialize in helping New Braunfels seniors find the perfect fit. Contact us at 830-217-6711 for a free, no-obligation consultation. Let’s ensure your 2026 coverage is secure and affordable.