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Medicare Supplement Plans in Texas

The best Medicare Supplement insurance plans in Texas are designed to help Medicare beneficiaries pay for healthcare expenses that Original Medicare (Part A and B) does not cover. Because there are “gaps” between what Medicare approves and pays, these supplemental policies are called Medigap policies.

Even though outpatient prescription drugs are not covered by a supplement, a prescription drug plan can be purchased so that you will have this coverage. This is known as Medicare Part D.

What are the Most Popular Medicare Supplement Plans in Texas?

1. Best for full coverage: Medicare Plan F

Medicare Plan F was the most popular Medigap plan in Texas for many years, but it’s no longer available to new Medicare beneficiaries. If you sign up for Medicare Part B on or after January 1, 2020, you will need to select a different supplemental policy.

Plan F will eliminate most out-of-pocket expenses. You can see any doctor in the United States accepting Medicare and can change providers at any time.

Other Plan F benefits include:

  • No referrals
  • No network limitations
  • Use any hospital or facility accepting Original Medicare

2. Best comprehensive coverage for 2022: Medicare Plan G

Medicare Plan G doesn’t cover the Medicare Part B deductible but otherwise offers the same Medicare benefits as F. Plan G will cost a bit less if you do have the option of selecting F or G. This is likely to become the most popular Medicare Supplement insurance plan in Texas now that most new beneficiaries cannot enroll in F.

3. Best Value: Medicare Plan N

Medicare Plan N is a good option if the rates for Plan G are out of your budget. The benefits are similar with the exception of doctor’s office and emergency room visits. Plan N subscribers will pay up to $20 when visiting a doctor’s office and up to $50 when visiting the ER. The ER copay is waived upon admission.

4-5. Best for budget: High-Deductible F and G

The rates for these policies are substantially lower than those for the original Plans F and G. Beneficiaries need to meet a higher deductible before receiving the benefits each year. Once that deductible is met, the coverage is the same as the original Plan F or Plan G.

Medigap enrollment by plan:

** Data from National Association of Insurance Commissioners (NAIC) Medicare Supplement Insurance Experience Exhibit, 2020.
**According to a survey carried out by Global Strategy Group on behalf of AHIP in January 2021*

When Can I Apply for a Medicare Supplement Plan?

The annual election period applies to Original Medicare and Medicare Advantage only. Every beneficiary has a Medigap Open Enrollment Period, which lasts for six months and starts the month that they are 65 years old and sign up for Medicare Part B.

You will pay the lowest premiums for any Medigap plan in Texas when you enroll during your open enrollment period due to the following guaranteed issue rights:

  • Acceptance – No Medicare insurance company can deny you coverage under Medicare Supplement plans in Texas.
  • Fair Rates – The insurer must give every new subscriber the same benefits without medical underwriting. No health condition can disqualify you.
  • Automatic Renewals – Your policy will renew every year as long as you pay your premiums each month.

These rights are guaranteed only if you apply during that Medigap Open Enrollment Period. You can apply for a Medicare Supplement insurance plan in Texas at a later date, but the insurance company will determine your rate based on your medical history and may deny you coverage.

There are some special circumstances that may allow you to receive those guaranteed rights after your initial enrollment period has passed. For instance, losing medical coverage from a job after retiring would open a special enrollment period. You may also get to switch supplement policies if you move into a new service area because available policies and rates vary by zip code.

How Much Do Medigap Policies Cost in Texas?

Texas Medicare Supplement premiums vary, depending on a variety of personal factors. To give you an idea of where rates are falling as of 2022, we ran a few quotes with the following criteria:

  • Female beneficiary
  • 65 years old
  • Non-smoker
  • Medicare Part A and B enrollment in December 2020
65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$115.00
Plan N$102.00

What Companies Sell Medicare Supplement Plans in Texas?

There are more than 50 insurance companies offering Medicare Supplement plans in Texas as of 2022. There are a few that stand out from the rest:

  1. Cigna – With an overall Medicare rating of 4, Cigna offers all of the leading Medicare Supplements and provides a lot of resources to help new subscribers understand their benefits.
  2. Aetna – Aetna is rated 4 to 4.5 out of 5 for many of their Medicare policies. This Medicare insurance company is known for offering some of the more competitive prices in Texas and many other states.
  3. Mutual of Omaha – While they don’t always offer the cheapest Medigap plan, Mutual of Omaha is an established brand known for exceptional customer service. If stability is important to you, this is a good Medicare insurance company to consider.

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top-rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Texas Medicare Resources

Texas Enrollment Statistics

Texas is home to 3.16 million residents. The largest counties in the Lone Star State are:

  • Harris
  • Dallas
  • Tarrant
  • Bexar
  • Travis

Twelve percent of Texans are over age 65. Here are some Medicare enrollment facts:

  • In 2019, more than 2.4 million residents had Original Medicare.
  • In 2019, 29.1 percent of Texans had Medigap coverage.
  • Plan F is the favorite of Texas Medicare Supplement options.

Related Topics

Key Take Aways
  • Texas Medicare Supplement premiums vary, depending on a variety of personal factors.
  • In Texas, Medigap Plan G is the most popular plan for 2022.
  • Every beneficiary has a Medigap Open Enrollment Period which lasts for six months and starts the month that they are 65 years old.
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