Medicare Supplement Plan G in Texas

Medicare Supplement Plan G in Texas is a popular choice for comprehensive coverage offered by various private insurance companies. It helps reduce the out-of-pocket costs left by Original Medicare. 

Medigap Plan G is popular for its extensive coverage, excluding only the Medicare Part B deductible. It offers fixed benefits, freedom to choose any provider accepting Original Medicare, and no annual plan changes.

With 44.7% of Texas Medicare Supplement plan enrollees choosing Plan G, it’s no wonder this option is highly sought-after. 

In this article, we’ll talk about:

• What Plan G covers (and doesn’t cover)
• Plan G cost in Texas
• Top Plan G providers
• Plan G vs. other Medigap plans (and Medicare Advantage)
• Eligibility and enrollment

We’ll also cover some of the most frequently asked questions about Medigap Plan G in Texas, ensuring you walk away with some valuable insights and a clear understanding.

Let’s start with an overview of Medigap Plan G.

What Does Medicare Supplement Plan G Cover?

Medicare Supplement Plan G in Texas is one of the most popular and comprehensive Medigap plans available. It helps cover many out-of-pocket costs not paid by Original Medicare Parts A and B.

Here’s a detailed overview of what’s covered under Plan G:

Part A coinsurance and hospital costs	Plan G covers all coinsurance charges for hospital stays under Medicare Part A, including an additional 365 days after Medicare benefits are used up.
Part B coinsurance or copayment	This includes coverage for doctor visits and outpatient services. Plan G takes care of the 20% coinsurance that Original Medicare does not pay.
Blood (first three pints)	Medicare covers blood starting with the fourth pint. Plan G pays for the first three pints each year.
Hospice care coinsurance or copayment	Plan G covers the coinsurance or copayments required for hospice care under Medicare Part A.
Skilled nursing facility care coinsurance	Medicare covers the first 20 days. From days 21 to 100, Plan G pays the daily coinsurance amount that Medicare does not cover.
Part A deductible	Plan G pays the entire Medicare Part A deductible, which can be a significant out-of-pocket expense.
Medicare Part B excess charges	If a healthcare provider charges more than Medicare’s approved amount, Plan G covers the difference, known as “excess charges.”
Foreign travel emergency care	Plan G includes limited coverage for emergency medical care outside the United States. It pays 80% of eligible expenses after a small deductible and within plan limits.

Will Medigap Plan G Cover Emergency Room Visits?

Yes, Medicare Supplement Plan G does cover emergency room visits. When you go to the ER for a Medicare-approved service, Medicare Part B typically pays 80% of the cost after meeting the annual deductible of $257 in 2025.

Plan G then covers the remaining 20%, meaning you will not have any additional out-of-pocket costs related to that emergency visit once your deductible is met.

If the emergency room visit results in a hospital admission, the costs are billed under Medicare Part A. Plan G also covers the full Part A deductible and coinsurance, so you won’t be responsible for those charges either.

Plan G also includes limited foreign travel emergency coverage. If you experience a medical emergency while traveling abroad, Plan G will cover 80 percent of the costs for emergency care, up to the plan’s limits.

This benefit is not included in Original Medicare and can be valuable for those who travel internationally.

What Is Not Covered Under Medigap Plan G?

Despite its comprehensive benefits, there are a few key things Plan G does not pay for:

Medicare Part B deductible	This is the only major expense not covered by Plan G. You must pay the annual Part B deductible out of pocket, which is $257 for 2025.
Prescription drug coverage	Plan G does not include Medicare Part D prescription drug coverage. A separate Part D plan is required to cover medications.
Routine dental, vision, or hearing services	Plan G does not pay for dental cleanings, eyeglasses, hearing aids, or similar services.
Long-term care	Plan G does not cover custodial care in a nursing home or assisted living facility.

Our Thoughts on Plan G

We recommend Medigap Plan G in Texas because it offers some of the best coverage out there among Medicare Supplement plans. It’s a great option for anyone looking for predictable healthcare costs and peace of mind.

Once you’ve met the annual Medicare Part B deductible, Plan G usually takes care of all your remaining out-of-pocket expenses for Medicare-approved services, like hospital stays, doctor visits, skilled nursing care, and even emergencies during foreign travel.

It’s especially helpful for people who visit the doctor often or want to avoid surprise medical bills, as it covers Part B excess charges and copayments that can really add up.

With solid protection and no copays after the deductible, Plan G is a great balance of coverage and cost, which is why it’s one of our top picks.

Now that we’ve covered an overview of Plan G, let’s talk about premium costs.

How Much Does Medigap Plan G Cost in Texas?

Medigap Plan G premiums in Texas vary based on age, gender, ZIP code, and tobacco use.

Below is a table illustrating the range of monthly premiums for non-smoking individuals aged 65 and 75 across different Texas ZIP codes:

ZIP Code	City	Age	Gender	Monthly Premium Range
73301	Austin	65	Male	$106 – $297
73301	Austin	65	Female	$94 – $265
75001	Dallas	65	Male	$112 – $312
75001	Dallas	65	Female	$99 – $279
77001	Houston	65	Male	$125 – $350
77001	Houston	65	Female	$111 – $312
77494	Katy	65	Male	$102 – $503
77494	Katy	65	Female	$90 – $446
77494	Katy	75	Male	$128 – $503
77494	Katy	75	Female	$113 – $446
79901	El Paso	65	Male	$136 – $164
79901	El Paso	65	Female	$121 – $146

Note: These approximate rates can vary based on specific insurers and other individual factors.

Premium Analysis for Medigap Plan G in Texas

Premiums tend to be higher in urban areas such as Houston and Dallas compared to more rural or less populated areas like El Paso.

For example, a 65-year-old male in Houston may pay between $125 and $350 per month, while in El Paso, the range is narrower at $136 to $164.

Age plays a significant role in premium costs. Individuals aged 75 generally pay higher monthly premiums than those aged 65, reflecting increased healthcare usage. In Katy, for example, a 75-year-old male may pay up to $503 per month, compared to a maximum of $446 for a female of the same age.

Gender also affects premiums. Across the ZIP codes shown, women typically pay 10 to 15 percent less than men of the same age, assuming a non-smoking status.

In summary, Plan G premiums in Texas can range from under $100 to over $500 monthly. These variations highlight the importance of comparing rates across insurers and geographic areas to find the most suitable and cost-effective coverage.

How to Choose the Right Medigap Plan G Provider in Texas

With so many options out there, comparing Medigap plans and providers is a must, especially since 49 companies offer Texas Medicare Supplement Plan G policies.

When choosing a Plan G provider, consider factors such as:

• Premium rates
• Financial stability
• Customer service
• Any additional benefits offered

Let’s break down our top five picks: ACE, Blue Cross Blue Shield of Texas, Allstate, Aflac, and Cigna.

Remember: Besides premium rates, it’s also important to consider coverage and additional benefits each health insurance provider offers.

#1. ACE Insurance Company

ACE Insurance Company earns our top recommendation for Medicare Supplement plans in Texas in 2025, and for good reason.

With impressively low premiums – starting at just $136 per month for Plan G in El Paso County – ACE offers some of the most affordable Medigap options in the state. These rates consistently undercut those of major competitors, making ACE a smart choice for individuals focused on keeping monthly healthcare costs manageable.

In addition to affordability, ACE’s plans come with valuable features like household discounts (up to 7%), fast underwriting, and nationwide provider access without the need for referrals or network restrictions.

While ACE is a relatively new player in the Medigap space, having entered the market in 2022, it has quickly built a reputation for financial stability, competitive pricing, and strong customer satisfaction.

Bottom Line: ACE is a great pick for Texas’s most affordable Plan G. It covers all the important benefits while keeping prices super competitive. ACE stands out as a smart, budget-friendly choice in a market where premiums can get pricey fast.

#2. Blue Cross Blue Shield of Texas

Blue Cross Blue Shield of Texas (BCBS TX) stands out as one of the state’s most well-rounded and dependable Medicare Supplement providers. With decades of experience in both the Medicare and broader health insurance markets, BCBS TX offers stability, reliability, and a trusted brand name.

While their Plan G premiums aren’t the lowest on the market, they reflect the value of a provider known for comprehensive benefits, exceptional service, and added flexibility.

BCBS TX supplements its core offerings with unique perks like the Blue365 fitness discount program, a 24/7 nurse hotline, and optional add-on dental, vision, and hearing plans that few competitors match.

What truly sets BCBS TX apart is its generous and stackable discount structure. Policyholders may qualify for a 10% spouse/partner discount, a 7% “Blue” discount for transitioning from a prior BCBS plan, and a 12% Blue Family Discount when both conditions apply.

Moreover, BCBS TX offers the rare benefit of integrated prescription drug plan options, streamlining coverage and making it easier for seniors to manage their health needs under one provider.

Bottom Line: For those seeking more than just low premiums – such as strong customer support, broad benefit options, and freedom to choose any Medicare provider – Blue Cross Blue Shield of Texas remains a great pick. It combines financial strength, extensive experience, and meaningful perks to deliver a Medigap solution that balances cost with lasting peace of mind.

#3. Allstate

Allstate is quickly establishing itself as a standout option in the Medicare Supplement (Medigap) market thanks to its strong combination of affordability, benefits, and financial reliability. With premiums averaging 14 to 21 percent lower than many competitors and up to 25 percent in stackable discounts, Allstate delivers substantial value for cost-conscious beneficiaries.

Its Medigap plans are guaranteed renewable for life and come with added perks like the Active&Fit fitness program, nationwide provider access, no referral requirements for specialists, and a 30-day trial period.

Allstate also provides add-on dental insurance with three coverage levels and bundling discounts, giving enrollees even more ways to customize and save on their healthcare.

While Allstate is relatively new to the Medicare Supplement space, its reputation as a trusted insurer and its superior financial ratings from A.M. Best, S&P, and Moody’s provide confidence in its long-term stability.

The company’s user-friendly digital tools make policy management and billing easy, and its customer-first approach ensures that beneficiaries get flexibility and peace of mind.

Bottom Line: Allstate’s affordability, generous discounts, dental coverage options, and trusted brand recognition make it an excellent choice for beneficiaries seeking comprehensive, customizable Medigap coverage.

#4. Aflac

Aflac has made a strong entrance into the Medicare Supplement market, and it’s quickly proving to be a fantastic option for beneficiaries seeking dependable and affordable Medigap coverage.

With average premiums 6.7% lower than competitors’, a smooth and responsive claims process, and up to 7% in household discounts, Aflac offers both value and quality.

What sets Aflac apart is its combination of solid financial backing, customer-friendly policies, and extra benefits. Aflac holds A+ ratings from both A.M. Best and the Better Business Bureau, demonstrating its financial stability and commitment to customer satisfaction.

Its Medigap plans are guaranteed renewable for life and include perks like no network restrictions, 24/7 customer service, fast claims processing, and a 30-day trial period.

In addition to Medicare Supplements, Aflac offers dental insurance plans with the option to bundle vision and hearing coverage, providing a well-rounded suite of benefits tailored to senior healthcare needs.

Bottom Line: While Aflac is newer to the Medigap space, it leverages its long-standing experience in the broader supplemental insurance market to deliver trustworthy service and a competitive edge. Customer feedback has been overwhelmingly positive, especially regarding affordability and ease of use.

#5. Cigna

Cigna stands out as a strong contender in the Medicare Supplement market, offering a well-rounded combination of comprehensive plan options, added wellness benefits, and reliable financial backing.

While it may not always have the lowest premiums, Cigna’s Medigap plans – especially Plans G and N – are competitively priced and backed by an “A” rating from A.M. Best, underscoring its financial strength.

Cigna also offers up to 25% in total premium discounts, including online enrollment savings and household discounts, making its plans more affordable than they may appear at first glance.

Beneficiaries can also bundle dental, vision, and hearing coverage for as little as $32 per month, giving Cigna an edge in customization and convenience.

One of the highlights of enrolling with Cigna is access to its Healthy Rewards program, which provides up to 25% off a broad array of health and wellness services, from gym memberships and vision care to alternative therapies like acupuncture and chiropractic care.

Cigna’s Medicare Supplement plans are guaranteed renewable for life, with no network restrictions, allowing members to visit any doctor or facility that accepts Medicare.

Despite some mixed customer service reviews, Cigna continues to grow its footprint as the fourth-largest Medigap provider in the U.S. Its user-friendly online portal, extensive network of providers, and commitment to wellness-focused offerings make it an appealing choice for Medicare beneficiaries who value both coverage and holistic health.

Bottom Line: With standardized benefits across all Medigap plans, the difference often comes down to price, perks, and support, and Cigna delivers a strong package on all three fronts. Cigna is a great pick for those looking for a stable provider with broad offerings and a commitment to member wellness.

Medigap Providers: A Premium Comparison

Next, we’ll compare the Plan G premium rates for our top Medigap providers, specifically for a 65-year-old non-smoking female residing in Dallas, Texas.

This side-by-side comparison will help you see how the costs stack up across the different insurers:

Provider	Plan G Premium
ACE	$121.58
BCBS TX	$140.36
Allstate	$126.32
Aflac	$157.10
Cigna	$145.04

Up next, we’ll take a closer look at how Medigap Plan G compares to other commonly selected Medicare Supplement plans.

Medigap Plan G vs. Other Medigap Plan Options

This section will compare Medigap Plan G to other popular Medicare Supplement plans. We’ll break down the coverage, out-of-pocket costs, and monthly premiums so you can see how it measures up.

Whether you’re looking for the most comprehensive coverage or something more budget-friendly, this comparison should hopefully help you find the plan that best suits your healthcare needs and wallet.

Plan G vs. Plan N

When comparing Medigap Plan G to Medigap Plan N, both offer strong coverage options but differ in how costs are shared between you and the insurer.

Plan G is one of the most comprehensive Medicare Supplement plans available, covering nearly all out-of-pocket costs except for the Medicare Part B deductible. It’s ideal for those who prefer predictable healthcare expenses and want to avoid surprise bills. Once you meet the small annual deductible, Plan G covers the rest, including Part B excess charges, coinsurance, and hospital costs.

On the other hand, Medigap Plan N has lower monthly premiums but comes with some additional out-of-pocket responsibilities. It covers most of the same services as Plan G, but you’ll be responsible for small copays – up to $20 for doctor visits and up to $50 for emergency room visits (waived if you’re admitted).

Additionally, Plan N does not cover Part B excess charges, meaning you could owe more if your doctor charges above the Medicare-approved amount.

In Texas, Medigap Plan N’s monthly premiums are typically 10% to 30% cheaper than Medigap Plan G premiums, depending on your location, age, and the insurance provider.

Ultimately, the choice between Plan G and Plan N depends on your health needs and budget. If you prefer to minimize unpredictable costs and don’t mind paying a slightly higher premium, Plan G may be the better fit. Plan N can be a smart, budget-friendly alternative if you’re in good health and comfortable with minor copays in exchange for lower monthly costs.

High-Deductible Plan G vs. Standard Plan G

There are a couple of key differences between High-Deductible Plan G and standard Plan G.

Traditional Plan G typically has a higher monthly premium but offers more immediate, comprehensive coverage. This makes it an excellent choice for individuals who frequently require medical services or prefer the security of extensive coverage.

Conversely, the High Deductible Plan G has a lower monthly premium, making it more budget-friendly. However, beneficiaries must meet a specific deductible before coverage begins ($2,870 in 2025) – after which the plan functions exactly like standard Plan G.

High-Deductible Plan G (HDG) premiums in Texas are significantly lower than standard Medigap Plan G premiums, typically by 70% to 80%.

This plan may be ideal for individuals in good health who want coverage in case of significant health events. The decision between High-Deductible Plan G and standard Plan G should be based on an individual’s health needs and financial flexibility.

Medigap Plan G vs. Medicare Advantage

When deciding between Medigap Plan G and a Medicare Advantage plan, it’s important to understand that these options work very differently and serve different Medicare beneficiaries.

Each comes with its own pros and cons depending on your healthcare needs, budget, and preferences for doctor access and out-of-pocket predictability.

Let’s walk through the main differences between the two plans.

#1. Coverage and Cost Predictability

Medigap Plan G works with Original Medicare and provides nearly full coverage of your out-of-pocket costs – except for the annual Part B deductible ($257 in 2025). Once that’s paid, you’ll typically have no additional costs for Medicare-approved services. Plan G offers predictable and comprehensive coverage, making it ideal for those who want to avoid copays, coinsurance, and surprise bills.

Medicare Advantage (Part C) plans, on the other hand, replace Original Medicare with private health insurance. These plans usually have lower monthly premiums – sometimes as low as $0 – but come with higher out-of-pocket costs such as copays, coinsurance, and deductibles. Most Medicare Advantage plans also have annual out-of-pocket maximums (usually between $3,000–$8,000).

#2. Doctor Access and Networks

With Medigap Plan G, you can see any doctor or hospital nationwide that accepts Medicare – no referrals, networks, or prior authorizations. This is especially valuable for people who travel or want unrestricted access to specialists.

Medicare Advantage plans typically use HMO or PPO networks, meaning you may be limited to a specific group of doctors and hospitals. Out-of-network care may be limited or more expensive, and many services require referrals or pre-approvals, which can delay care.

#3. Extra Benefits

Medicare Advantage plans often include extra perks like dental, vision, hearing, and fitness programs (e.g., SilverSneakers), which Original Medicare and Medigap plans don’t cover. However, these benefits can vary widely by plan and may have limitations.

Medigap Plan G does not include these extras, but you can often buy stand-alone dental, vision, and hearing policies if needed. What it does offer is consistency and financial protection for medical care.

Here’s a side-by-side breakdown of Medigap Plan G and Medicare Advantage to see the key differences.

Feature	Medigap Plan G	Medicare Advantage
Monthly Premium	Higher ($125–$220)	Lower ($0–$80 typically)
Out-of-Pocket Costs	Very low after the deductible	Varies – can be $3,000–$8,000/year
Doctor Access	Nationwide, no referrals	Network-restricted, may need referrals
Prior Authorizations (delayed care)	None	Often required
Travel Coverage	Nationwide + some foreign	Often limited to your region

Medigap Plan G is a great choice for flexibility, nationwide access, and low out-of-pocket costs. If you’re more concerned about the lowest possible premiums, Medicare Advantage could be a better fit – just be sure to understand the network rules and cost-sharing structure.

What’s the Best Overall Medigap Plan in Texas?

Medigap Plan G is often considered Texas’s top Medicare Supplement plan because of its solid coverage and predictable costs. Once you’ve paid the annual Medicare Part B deductible, Plan G takes care of nearly all other expenses for Medicare-approved services.

That means fewer surprises and more peace of mind. Plus, you can see any doctor or hospital in the U.S. that accepts Medicare, without referrals or worrying about networks.

No wonder Plan G is a favorite among Texans – about 45% of Medigap enrollees in the state choose it. The plan is especially popular with people who visit doctors regularly or want to avoid surprise bills that come with cost-sharing plans. It’s reliable, flexible, and takes the guesswork out of healthcare costs.

Another great thing about Plan G is that it’s offered by many top-rated insurers in Texas, like ACE, Allstate, Blue Cross Blue Shield of Texas, Cigna, Aflac, and Mutual of Omaha.

With so many options, you can easily shop for competitive premiums and find a plan that fits your budget and health needs.

Eligibility and Enrollment for Medicare Supplement Plan G in Texas

Enrolling in Medigap Plan G in Texas is a straightforward process, especially if you apply during your Medigap Open Enrollment Period.

Here’s how to get started.

#1. Make Sure You’re Eligible
To enroll in a Medigap plan, you must be enrolled in Medicare Part A and Part B. You must be 65 or older, or in some cases, under 65 and eligible due to a disability (though options for those under 65 may be limited). You also need to be a resident of Texas.

#2. Apply During the Best Enrollment Window
The best time to enroll is during your Medigap Open Enrollment Period, which begins on the first day of the month you’re 65 and enrolled in Medicare Part B. This window lasts six months and gives you guaranteed issue rights, meaning you can’t be denied coverage or charged more due to health conditions. Insurers may require medical underwriting if you apply outside this period, and acceptance isn’t guaranteed.

#3. Compare Plans and Companies
Even though all Medigap Plan G policies offer the same standardized benefits, monthly premiums and additional perks can vary. Top providers offering Plan G in Texas include ACE, Allstate, Blue Cross Blue Shield of Texas, Cigna, Aflac, and Mutual of Omaha. As you compare, consider factors like monthly premiums, household or multi-policy discounts, customer service reputation, and optional add-ons like dental or vision coverage.

#4. Choose How to Enroll
You can sign up through a licensed insurance agent (ideal if you want help comparing plans), an insurer’s website or customer service line, or an online Medicare broker. You’ll need your Medicare number (from your red, white, and blue card), Part A and Part B effective dates, and personal details to complete the application.

#5. Set Up Payment
Most insurers offer flexible payment options. You can usually pay monthly by bank draft, credit card, or quarterly, semi-annually, or annually. Some insurers offer discounts for annual or semi-annual payments.

Bottom Line

Medicare Supplement Plan G is a top pick for Texans looking for reliable, comprehensive coverage with the freedom to choose their providers. With nearly 45% of Texas Medigap enrollees choosing Plan G, it’s clear why this plan hits the sweet spot for value, security, and flexibility. It covers almost all the out-of-pocket expenses that Original Medicare doesn’t, except for the Part B deductible, making it a solid choice for those who want predictable costs and peace of mind.

In this guide, we’ve compared Plan G to other Medigap options like Plan N and High-Deductible Plan G, and even stacked it up against Medicare Advantage. We’ve also broken down premiums in Texas, highlighted top insurance companies offering Plan G, and provided tips to help you enroll confidently.

When choosing a Medicare Supplement plan, keep in mind that all Plan G policies offer the same standardized benefits, so your decision should come down to factors like the insurance provider’s reputation, customer service, extra perks, and premium costs.

By exploring your options and enrolling at the right time, you’ll be set up with high-quality, hassle-free healthcare coverage that fits your needs and budget.

If you need help navigating your choices, feel free to consult with one of our licensed Medicare agents. With the right plan and provider, you’ll be well on your way to finding the best Medicare Supplement Plan G in Texas.

Article Resources:

• Medicare Supplement Plan G Benefits
• How Much Does a Medigap Plan Cost?
• When Can I Apply for a Medicare Supplement Plan?
• Texas Medicare Supplement Insurance Guide
• Texas Companies with Medicare Supplement Insurance

FAQs