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Medicare Supplement Plan G in Texas 2021

Medicare Supplement Plan G in Texas is an attractive solution when you need help paying out of pocket expenses relating to health care. These out of pocket costs include copays, deductibles, foreign travel, and excess charges from doctors who charge above Medicare’s approved amount.

Eligibility for Medicare Supplement insurance Plan G in Texas hinges on being enrolled in Medicare Part A and Part B (Original Medicare). You’ll pay a monthly premium for your Medigap Plan G policy in addition to your Medicare Part B premium.

What is Medicare Supplement plan G in Texas?

Medicare Plan G is one of 10 Medicare Supplement insurance plans available in Texas.

Here’s what you need to know about Plan G:

  • Rapidly becoming the most popular Medicare Supplement insurance plan in Texas
  • Offers the highest level of Medicare coverage to seniors eligible for Medicare benefits after Dec. 31, 2019
  • Plan G coverage fills the benefit gap left after Original Medicare pays on a claim
  • Also referred to as Medigap Plan G or Medicare Part G

Enrollment Statistics

As of October 2020, nearly 4.3 million Texans were enrolled in the Federal Medicare Program. Here’s the breakdown:

  • Original Medicare: 57%
  • Medicare Advantage: 43%
  • Medicare Part D plan: 67%
  • Medigap coverage (2018): 873,000 (36%)
  • Medicare Plan G (2018): 254,314 (29% )

What does Medicare Supplement Plan G cover?

Original Medicare pays for a lot when it comes to your healthcare. On top of the Medicare-approved amounts that are covered by the Federal Medicare program in the United States, you can enjoy having these additional Medicare benefits covered if you sign up for Medicare Supplement Plan G in Texas.

Plan G will cover:

· Initial pints of blood

· Medicare Part A deductible

· Medicare Part A hospital costs

· Part A expenses

· Part A hospice care coinsurance

· Skilled nursing facility care

Medicare Part B costs:

· Charges over the amount Medicare allows – “Part B Excess Charges”

· Durable medical equipment

· Foreign travel emergency care (lifetime plan limits apply)

· Medicare Part B coinsurance and copays

Be advised that the Part B deductible will not be covered by Medigap Plan G in Texas.

What is the Plan G deductible in 2021?

Medicare Supplement insurance Plan G in Texas does not have a deductible. There is a Part B deductible amount you must pay, which is $203 in 2021.

What is the Monthly Premium for Medicare Supplement Plan G in Texas?

Medicare Supplement Plan G rates vary based on demographics and the pricing method the carrier uses. The pricing method affects your future monthly premiums as well as current ones:

  • Attained age: Your age determines the premium, which means costs will increase each year as you grow older.
  • Issue age: Your age when you buy Medicare Plan G determines the premium. A 75-year-old will pay more than a 65-year-old.
  • Community-rated: Everyone pays the same for Plan G regardless of age.

Here’s an idea of what a 65-year old woman who doesn’t smoke might pay for Medicare Supplement Plan G:

  • Houston zip code 77001: $136.48 average, $111.78-$188.02 range
  • Laredo zip code 78040: $115.99 average, $99.24-$165.95 range

Our comparison of Medicare Supplement plan quotes will help you determine which carrier is best suited for your budget.

When can I enroll in Medicare Supplement Plan G?

Unlike Medicare Advantage and Part D plans, Plan G has no annual enrollment period. You can apply for Medigap Plan G in Texas any time. Depending on when you enroll, however, different rules apply.

Open Enrollment Period

The best time to apply for Plan G is during your Open Enrollment Period:

  • OEP starts when you are 65 and enrolled in Part B Medicare
  • Lasts six months
  • Offers guaranteed rights: insurers can’t deny your application, require medical underwriting, or charge more because of pre-existing conditions

Special Open Enrollment

You have guaranteed-issue rights in other situations outside of your OEP, including when:

  • You leave the plan’s service area
  • You lose group health insurance
  • The insurer discontinues Plan G
  • You lose a Medicare Advantage plan
  • A disabled Medicare beneficiary turns 65

If you apply outside of your OEP and don’t qualify for special enrollment, Medicare Supplement insurance companies can require underwriting and charge higher premiums. Our insurance agency can help determine whether you meet the qualifications for special enrollment.

What Is the Difference Between Plan G and Plan G With a High Deductible?

The only difference is that with high deductible Plan G, you must pay a yearly deductible of $2,370 before coverage begins.

What is the best Medicare Supplement Plan G in Texas?

Medicare Supplement insurance Plan G in Texas is standardized, which means the plan options are the same regardless of which insurance company sells the policy. What differs is the price and reliability of the insurer. Here’s what to look for when you’re shopping for a policy:

  • How does the insurer rank in customer service?
  • Does the company have enough assets to pay your claim?
  • Is the company large enough to guarantee long-term stability?

Our Company Recommendations

About 70 private insurance companies sell supplement insurance plans in Texas. We prefer these three because of their excellent service, high ratings, and financial strength:

  • Aetna (A)
  • Mutual of Omaha (A+)
  • Cigna (A)

Which is better, Plan F or Plan G?

How are Plan F and Plan G Different?

Plan F pays the Medicare Part B deductible. Plan G does not.

Is Plan G Cheaper than Plan F in Texas?

Medicare Plan G rates are cheaper than Plan F.

Which should I choose?

If you’re eligible for Medicare benefits before Jan. 1, 2020, you can choose either plan. Frequently the premium savings with Plan G outweigh the cost of paying the Part B deductible. It’s worth it to compare.

If your Medicare eligibility starts after Jan. 1, 2020, you must choose Plan G if you want the most comprehensive coverage available.

What is the most popular Medicare Supplement plan in the Texas For 2021?

Medicare beneficiaries have 10 plan options when it comes to supplement insurance, but Medicare Supplement Plan G in Texas is becoming a popular plan of choice. Here are five reasons why:

  • Most extensive coverage available for those new to Medicare
  • Great value when you compare benefits to cost
  • Access to any doctor nationwide
  • Fills Original Medicare coverage gap except for annual Medicare Part B deductible
  • Pays Medicare Part B costs for durable medical equipment, up to $50,000 in foreign travel emergency benefits (up to plan limits), and medical services

Frequently asked questions about Medigap Plan G in Texas:

Full Medicare Supplement Plan G Benefits Chart

Does Plan G cover prescription drugs?

Medigap Plan G does not cover prescription drugs. For prescription drug coverage, you must buy a Part D prescription drug plan.

Does Plan G cover the Medicare Part B Deductible?

Medicare Supplement Plan G in Texas does not cover the Part B deductible. For 2021, the Part B deductible is $203.

Does Plan G cover Medicare Part B Excess Charges?

Yes, Medicare Supplement Plan G covers Medicare Part B excess charges.

Does Plan G cover the Medicare Part A Deductible?

Yes, Medicare Plan G covers the Part A deductible and Medicare Part A coinsurance.

What is Medicare Supplement Part G?

Medigap Plan G is a private health insurance plan that covers out of pocket expenses such as Part A deductible, copayments, and skilled nursing. You can’t have Medicare Supplement insurance if you have a Medicare Advantage Plan.

Quick tip:

There is no “Part G“, people often confuse the “parts” of Medicare with Medigap plan letters.

Is Plan G worth it?

For many seniors, Medicare Supplement Plan G offers a good balance between coverage and cost. It is cheaper than Medicare Plan F but pays everything Plan F does except the Part B deductible. It provides superior coverage to having Medicare Part A and Part B alone. It provides finicial protection and limits your out of pocket exposure in major hospital stays or prolong medical treatment.

What is the difference between Plan G and Plan N in Texas?

There are two differences between Medigap Plan G and Medicare Plan N:

  • Medicare Part B coinsurance: With Plan N, you must pay a $20 office and a $50 ER copay before Part B coinsurance is covered. Plan G doesn’t have any copays.
  • Excess charges: Medicare Plan G covers excess charges. Plan N does not.

Does Plan G cover dental?

Medicare Supplement insurance Plan G in Texas does not cover routine dental services such as dentures and fillings. The Federal Medicare Program does cover oral surgery. Medicare Plan G will pay Part A and Part B coinsurance relating to oral surgery.

Does Plan G cover Silver Sneakers?

Several Medicare insurance companies in Texas offer Silver Sneakers as part of their Medicare benefits, but most require and additional premium. Our insurance agents can tell you which ones offer this program.

Related Topics

Ready to learn more?

We can help you locate a personalized Medicare Supplement plan G rate in Texas from top insurers, and help you apply for a plan over the phone. So contact us today so that we can assist you with your Medicare Supplement policy options.

Key Take Aways
  • Medicare Supplement Plan G in Texas is one of the 10 standardized Medicare Supplement plans.
  • Plan G does not use a provider network, go anywhere Original Medicare is accepted.
  • Aetna, Cigna & Mutual of Omaha are top providers for Plan G in Texas.
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