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Find Affordable Medigap Plans in Texas

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Best Medicare Supplement Plans in Texas – F, G & N Benefit Rates

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. These gaps that Medigap plans in Texas cover include:

  • Deductibles
  • Copayments
  • Coinsurance

Medicare Supplement plans in Texas do not cover services that Original Medicare does not approve. There are other things Medigap policies in Texas do not include:

  • Most eye exams or eyeglasses
  • Hearing screenings or hearing aids
  • Dental visits and treatments
  • Outpatient prescription drugs

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.

Best Types of Medicare Supplement Plans in Texas

Texas Medicare beneficiaries can choose from 10 Medicare Supplement insurance plans when purchasing supplementary health insurance to go along with their Medicare coverage. Letters designate these Medigap policies, such as Plan F. Here’s what you need to know about buying Medigap plans in Texas:

  • You buy Medicare Supplement plans in Texas through a private Medicare insurance company.
  • Each plan letter offers identical benefits throughout the state. (The Plan N that Aetna sells is the same as Plan N from CIGNA or United Healthcare.)
  • Medicare Supplement insurance plans in Texas are guaranteed renewable as long as you pay the premiums on time and do not deliberately make false statements on your Medicare Supplemental insurance application.
  • You have a 30-day free look. There is no penalty if a Medicare beneficiary returns a Medicare Supplement plans within 30 days. You will receive your money back if you decide the insurance coverage is not right for you.
  • If you drop your Medigap policy, you might not be able to get it back or buy another one. You will, however, still be able to enjoy the Medicare benefits of Medicare Part A and Medicare Part B.

Although Medigap plans in Texas offer the same basic benefits, some offer additional benefits. To find the best Medicare Supplement plan in Texas, you need to compare policies carefully. Here are some examples of what you need to compare:

  • Some plans pay all of Medicare Part A deductibles. Others only pay a percentage.
  • Some Medigap policies pay for care if you travel outside of the country. Others do not.
  • Plans with lower premiums might have higher out-of-pocket costs.

In your quest to find the best Medicare Supplement Insurance plan in Texas, you also need to compare insurers’ rates. Rates vary depending on how the carrier calculates its rates:

  • Community rates: Everyone pays the same premium.
  • Age attained: The carrier bases its rates on your current age.
  • Insured age: The carrier bases its rates on your age when you buy the policy.

Most Texas insurers use the attained-age method to calculate rates, which means your premiums increase as you age.

Benefits Rates on Medicare Supplement Plan F in Texas:

What makes Medicare Supplement Plan F rates in Texas stand out from other Medicare Supplement plans, is the fact that it offers the most coverage of all of the plans. Monthly rates for Medigap Plan F in Texas are a bit higher, but this Medicare Supplement policy helps seniors keep their healthcare costs predictable.

In addition to the basic coverage that you enjoy through the Medicare program, you can enjoy these benefits if you choose Medigap Plan F in Texas:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Medicare Part B excess charges
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Also, unlike other Medicare Supplemental plan options, you can choose either a high deductible or standard plan when comparing Medigap Plan F rates in Texas.

Benefits of Medicare Supplement Plan G in Texas:

Another Medicare plan that provides beneficiaries with robust coverage is Medigap Plan G in Texas. If you like the benefits that come with Plan F but would like a lower monthly premium, you might like this comprehensive plan.

  • Does NOT cover Medicare Part B deductible

Benefits of Medicare Supplement Plan N in Texas:

Some Medicare beneficiaries in the United States don’t go to the doctor very often or don’t mind paying for some of the costs when seeing their healthcare providers.

For these individuals, Medigap Plan N in Texas is an ideal choice. It mixes reasonable monthly premiums with essential benefits for a budget-friendly plan.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Medicare Supplement Plans in Texas: When Can I Enroll?

The best time to get a Medigap policy is during your Medigap Open Enrollment Period (OEP). During this initial enrollment period, you have certain guaranteed rights:

  • A Medicare insurance company cannot refuse to sell you a Medicare supplement plan in Texas, even if you have pre-existing conditions.
  • The insurance company cannot charge you a higher premium because of a pre-existing condition but can require a waiting period.
  • There is no waiting period for a pre-existing condition if you had prior coverage and are 65 or older.
  • The guaranteed rights for Texans under age 65 who have Original Medicare insurance due to disability apply to Plan A only.
  • Texans who lose Medicaid coverage because of a change in financial status have guaranteed rights for 63 days after being notified their coverage will end or the date coverage ends, whichever is later.

You have to be enrolled in Medicare Part A and Part B to qualify for a Medicare Supplement insurance plan in Texas. Your OEP is a six-month span that starts when you sign up for Part B coverage:

  • You can use your guaranteed rights more than once during your OEP. If you buy one of the Medicare Supplement plans in Texas and then change your mind, you can cancel the policy and buy another one.
  • Texans who have Original Medicare insurance due to disability have another Medigap open enrollment period during the first six months after they reach age 65.
  • It’s best to enroll during your OEP because if you wait, you might not be able to buy a policy if you have a pre-existing condition.

Texas Medicare Resources

Here are a few resources to help you find the best Medicare Supplement insurance plan in Texas:

Texas Department of Insurance

Areas Agencies on Aging

Legal Hotline for Texans


If you would like personalized help with choosing and signing up for a policy, give us a call. Our licensed insurance agents are very knowledgeable about both Supplement plans and Medicare Advantage plans (such as the popular HMO options). Call us, and we’ll help you out!

Medicare Supplement Plans in 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 for Comparing Medicare Supplement Companies and Plans in Texas

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 such as AetnaCigna and Mutual of Omaha. 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.

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