Best Medicare Supplement Plans in Texas

There are 10 Medigap plans available to choose from. In 2022, Medicare Supplement Plan G is the best plan in Texas.

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High Deductible Plan G and Plan N are the second most popular and are considered by many to be the best after Plan G.

Best Comprehensive Coverage: Medicare Supplement Plan G

  • Medigap Plan G covers the same benefits as Plan F except for the Medicare Part B deductible (Part A deductible is covered).
  • Available to all Medicare beneficiaries 65 or older who have Medicare Part B.
  • An excellent option for Texas beneficiaries who qualify for Plan F but want a lower premium.

Best Value: Medicare Supplement Plan N

  • Medicare Plan N has a lower monthly premium than Plan G.
  • Benefits excluded: Part B excess charges and Part B copayments.

Your responsibility for Part B copayments:

  • Up to $20 for doctor visits.
  • Up to $50 when you visit the emergency room without admittance.

Best Low Cost Plan: High Deductible Plan G

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,490
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible

Best for Full Coverage: Medicare Supplement Plan F

  • Medigap plan F incorporates every Medigap benefit available in Texas.
  • Limited to beneficiaries with an eligibility effective date earlier than January 1, 2020, and not yet enrolled.

Top Medicare Supplement Insurance Companies in Texas

These are some of the biggest Medigap companies in Texas:

  • United Healthcare
  • AARP
  • Aetna
  • Anthem Blue Cross Life and Insurance Company
  • Cigna
  • Banker Fidelity Life Insurance Company
  • Blue Cross Blue Shield of Texas
  • Colonial Penn Life Insurance Company
  • Gerber
  • Globe Life and Accident Insurance
  • Humana
  • Mutual of Omaha
  • Physicians Mutual Insurance Company
  • State Farm Mutual Auto Insurance Company
  • USAA Life Insurance Company

Medicare Supplement Insurance Prices in Texas

The chart below shows an overall average monthly premium of about $134 for a Medicare Supplement insurance plan in Texas. In this example, the data collected represents a 65-year-old nonsmoking woman residing in Dallas, Texas 75201.

65-Year-Old Female Non-tobacco

Plan F $146.69 - $236.90

Plan G $110.16 - $179.19

Plan N $83.37 - $140.59

When can I apply for a Medicare Supplement plan?

The annual Open Enrollment Period to join a Medicare Advantage or Medicare Part D plan does not apply to Medigap insurance enrollment. The Medigap Open Enrollment Period is a six-month window starting with the first day of the month you turn 65 or older. However, it would help if you first enrolled in Medicare Part B.

In Texas, state law requires private health insurance companies to sell Medigap policies to beneficiaries under 65 who have a disability or end-stage renal disease (ESRD).

During the Medigap Open Enrollment Period, a Medicare insurance company must:

  • Sell you a Medigap plan in Texas for a rate unrelated to your health conditions.
  • Waive the waiting period for pre-existing conditions.

Although you can apply outside the Medigap Open Enrollment Period, you will be subject to medical underwriting requirements. The exception is if you have guaranteed issue rights.

Scenarios for guaranteed issue rights include:

  • You are losing a Medicare Advantage plan because it ceased coverage in your area, or you will no longer participate with Medicare.
  • You moved out of the area that your plan services.
  • Your coverage under a group health plan is ending – this may include employee, retiree, or COBRA coverage.
  • You are within the time allowed to switch back to Medigap after enrollment in Medicare Advantage or Program of All-inclusive Care for the Elderly (PACE).
  • You lost a Medigap policy through no fault of your own.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare. So give us today, or request a quote online to learn more about Aetna Medicare Supplement Plan G and Mutual of Omaha Medicare Supplement Plan G in your state. We educate you on the best Medicare plans for your situation, then let you decide.

FAQ:

Can I be denied Medigap coverage?

Outside the Medigap Open Enrollment Period, an insurer can deny coverage for health reasons unless you have guaranteed issue rights.

When can I change Medigap plans?

You are protected by federal law if you want to switch during the Medigap Open Enrollment Period or if you have guaranteed issue rights. Otherwise, your application will go through the underwriting process and can be denied.

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