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Best Medicare Supplement Plans in Texas 2021

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 Top 5 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: 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.

What is the Best Supplemental Insurance to go with Medicare?

The best Medigap plan in Texas is the one that meets your health and financial needs. It’s a personal choice, but we can offer some guidance to help you pick between the leading Medicare Supplement insurance plans.

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

Now that Plan F is no longer available to new Part B subscribers, G is quickly becoming the most popular option in Texas.

Which plan has the best benefits in Texas?

If your goal is to pay one reasonable premium and eliminate out-of-pocket costs, F or Plan G will offer the most comprehensive coverage. Plan F offers the best benefits but is only available to enrollees eligible for Medicare prior to January 1, 2020.

How do I choose the best plan?

There are many factors to consider when selecting a Medicare Supplement plan in Texas, including but not limited to:

  • Maximum budget
  • Frequency of doctor visits
  • Location

Our Policy Guides are always ready to provide personalized information that makes the selection process easier. We can help you get the coverage you need at the best rate possible.

Which Medigap company offers the best rates in Texas?

Prices vary by zip code and may change from year to year. The lowest provider in one zip code may offer substantially higher premiums in another. We recommend you contact our Policy Guides for personalized quotes that will guide you toward the most affordable rates. It only takes a few minutes!

What is the Average Cost for a Medicare Supplement Plan in Texas for 2021?

Texas Medicare Supplement premiums vary, depending on a variety of personal factors. To give you an idea of where rates are falling as of 2021, 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

The average cost for the leading options came out as follows:

  • Plan G – $115 per month
  • High-Deductible G – $40 per month
  • Plan N – $102 per month

Keep in mind that supplemental plans don’t include prescription drug coverage, so you will also have the cost of Medicare Part D.

Common Texas Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Texas?

There are more than 50 insurance companies offering Medicare Supplement plans in Texas as of 2021. 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 Supplement plans in Texas 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 in Texas, 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.

When Can I Apply for a Texas 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.

Which is better, Medigap Plan G or Plan N?

It depends on your health care coverage goals. If you want the lowest premiums possible, N is the better option. If you want to minimize out-of-pocket costs with more comprehensive benefits, then G shines.

For example, Plan G rates are higher, but the policy covers Part B excess charges. Those charges are not covered by N.

Those differences are why it’s so important to compare plan options before your eligibility period opens. You can compare rates to determine your expected expenses with different options, considering factors like premiums, coinsurance, uncovered Medicare Part A and B costs, and prescription drug plan costs. Talking with a licensed insurance agent is the first step to enrolling.

What is Medicare Supplement Insurance?

If you’re concerned about out-of-pocket expenses that come naturally with Original Medicare, enrolling in Medicare Supplement plans in Texas may solve the problem. The federal Medicare program contains some “gaps” in coverage, resulting in copayments, deductibles, and other expenses that Medicare Supplement insurance plans can cover. That’s why they’re referred to as Medigap policies.

Medicare Supplement plans in Texas are secondary insurance policies that pay out after all Original Medicare benefits are paid. They’re offered by private health insurance companies. Beneficiaries pay monthly premiums in exchange for added coverages that don’t come with the original coverage.

Is Plan G the Best Medigap Plan in Texas?

How Much Does it Cost?

The cost varies, but we ran a sample to give you a rough idea of rates as of mid-2021. A female beneficiary who does not smoke and lives in zip code 77449 would pay about $117 per month on average.

What is the Plan G Deductible in 2021?

There is no deductible for G. The coverage does include the Medicare Part A deductible but not the Part B deductible. The Part B deductible for 2021 is $203.

What does Medigap Plan G Cover in Texas?

Related Topics

Plan G by State

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 such as Aetna, Cigna 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.

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.
Key Take Aways
  • In Texas, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Texas to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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