Best Medicare Supplement Plans in Texas

Understand popular plan types and top-rated companies and compare prices on Medigap plans in Texas.

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

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

Medicare Supplement 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. So 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. In addition, 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

Medicare Supplement 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.

Medicare Supplement Plan N

Medicare Plan N is a good option if the rates for Plan G are out of your budget. The benefits are similar, except for doctor’s offices 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.

Top Medicare Supplement Insurance companies in Texas

More than 50 insurance companies are offering Medicare Supplement plans in Texas as of 2022. However, 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 many resources to help new subscribers understand their benefits.
  2. Aetna – Aetna is rated 4 to 4.5 out of 5 for many of its Medicare policies. However, 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.

Medicare Supplement Insurance prices 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
Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

Best time to apply for a Medicare Supplement Insurance Plan in Texas

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, starts when they are 65, and signs 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 yearly as long as you pay your monthly premiums.

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

Some special circumstances 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 switch supplement policies if you move into a new service area because available policies and rates vary by zip code.

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 plan selection process. In addition, we work closely with some of the nation’s 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 about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

Texas Medicare Resources

Texas Department of Insurance

Areas Agencies on Aging

Legal Hotline for Texans

Medicare.gov

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.
  • 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.