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Medicare Supplement Plans in Texas


Medicare Supplement plans in Texas cover the costs Medicare Part A and Part B (Original Medicare) leave for seniors to pay. Also known as Medigap plans, your costs may vary depending on your carrier, plan, and ZIP Code.

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Generally, Medicare Supplement plans in Texas follow the same rules as Medigap plans in most other states. Below, we discuss the different options Texans have for Medigap coverage and the state-specific guidelines you should know.

How Do Medicare Supplement Plans in Texas Work?

Original Medicare consists of two parts. Medicare Part A covers inpatient costs, and Part B covers outpatient costs.

However, Original Medicare leaves you responsible for copayments, deductibles, and coinsurances. Thus, you can be stuck with many gaps in coverage that could cost more than anticipated.

Medicare Supplement plans step in to help cover these costs by filling in those gaps Original Medicare coverage alone leaves. These policies provide predictable healthcare costs for your future.

The federal government standardizes Medicare Supplement plans in Texas to provide identical coverage regardless of carrier. Ten standardized Medicare Supplement plans are available in Texas, plus two high-deductible versions.

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Best Medicare Supplement Plans in Texas

What is the best Medicare Supplement plan in Texas? It’s a question on the minds of many seniors searching for healthcare benefits. The truth is, the best Medicare Supplement plan in Texas may not be the best plan in another state or even the best plan for your neighbor.

The best Medicare Supplement plans are subject to the needs of each senior, and while there are many options in Texas, the most popular plans for enrollees are Medigap Plan F, Plan G, and Plan N.

Each of the Texas Medicare Supplement plans offers its own benefits. What’s best for one person may not be best for you, and vice versa. While some may require lower premiums, other seniors may be looking for more benefits to meet their healthcare needs.

Texan seniors can explore their options below and make an informed decision for the best option that meets their own needs.

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Medigap Plan F in Texas

Medigap Plan F leaves you with zero out-of-pocket costs aside from your monthly premium. So, if you are looking for complete healthcare coverage, this is the plan for you.

The downside to Medicare Supplement Plan F is that new Medicare seniors are not eligible for the plan. Yet, for those who enroll beginning on January 1, 2020 and beyond, there are options available, such as Medicare Supplement Plan G in Texas.

Medigap Plan G in Texas

Medigap Plan G is quickly becoming one of, if not the most popular Medicare Supplement plan in Texas, now that Medigap Plan F is unavailable to newly enrolled seniors.

The difference between the two plans is that Medigap Plan F covers the Medicare Part B deductible, whereas Medigap Plan G does not cover this expense. However, when comparing costs between Medigap Plan F and Plan G, Plan G is often more cost-effective.

Furthermore, seniors see savings on the best Medicare Supplement Plan G options in Texas even after paying the Medicare Part B deductible out-of-pocket. It is no surprise this plan has been drawing in a high number of enrollees.

Medigap Plan N in Texas

Additionally, if you are searching for a plan to cover your basic needs at a low cost, Medicare Supplement Plan N or High Deductible Plan G could make the most sense for your situation. The easiest way to identify suitable coverage is by allowing a licensed agent to guide you through a side-by-side plan comparison and estimate your annual out-of-pocket costs.

Keep in mind that Texas allows Medicare Part B excess charges. You will usually not encounter these, but if you do, Medicare Supplement Plan N or any lesser Medigap coverage does not protect you from the expense. However, Medigap Plan F and Plan G provide coverage for excess charges.

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Average Cost of Medicare Supplemental Insurance in Texas

Your monthly premium for a Medicare Supplement plan in Texas depends on a few different factors. These factors include the plan’s level of coverage, your age, gender, location, and more. Monthly premiums can range anywhere from $50 to $500+.

Because monthly premium costs are not standardized like plan benefits, it is wise to compare plan costs before enrolling with the first carrier available in your area. Finding the highest-rated carrier at the lowest price point is the key to enrolling in the best Medicare Supplement plan in Texas.

Several factors affect the cost of Medigap plans in Texas. Some common patterns show that women pay less than men, non-smokers will also save when compared to smokers, and older beneficiaries will have higher premium rates as well. You’ll also pay more for having more benefits.

Our Texas Medigap cost comparison chart showcases the average monthly premium costs for a 65-year-old male and female compared to a 75-year-old male and female in the same Texas ZIP Code.

Female, No Tobacco, Texas ZIP Code 77494
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $110-$484* $138-$484*
Medicare Supplement Plan G $90-$446 $113-$446
Medicare Supplement Plan N $72-$417 $90-$417
Male, No Tobacco, Texas ZIP Code 77494
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $124-$546* $156-$546*
Medicare Supplement Plan G $102-$503 $128-$503
Medicare Supplement Plan N $81-$471 $102-$471

* If on Medicare before 01/01/2020

It’s worth noting that there are extra costs you will incur if you do not sign up for a Medicare Supplement plan as soon as you are eligible to do so. As you can see above, if you enroll at the age of 75 rather than during your Medigap Open Enrollment Period at 65, expect to pay a higher monthly premium.

Seniors will need to cover their monthly premium as well as various out-of-pocket costs required by your Medicare Supplement plan.

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Medicare Supplemental Insurance Companies in Texas

Texas Medigap coverage can be found through many popular brands. Here are some of the most notable carriers in the Lone Star State available to seniors:

  • Aetna
  • Bankers Fidelity
  • Blue Cross Blue Shield (BCBS) of Texas
  • Capitol Life
  • Cigna
  • GPM
  • Humana
  • Lumico Life Insurance
  • Manhattan Life
  • Mutual of Omaha
  • National General
  • United American
  • UnitedHealthcare

Seniors searching for top-rated Medicare Supplement plans in Texas can rest assured that a wide variety is available to residents of the Lone Star State.

Medigap Plans in TX for the Disabled Under 65

If you become eligible for Medicare under the age of 65 due to a disability in Texas, you may enroll in a Medigap plan. When you first enroll in Medicare Part A and Part B, you receive a Medicare Supplement Open Enrollment Period. During this time, you have free rein to enroll in the Medicare Supplement plan of your choice.

Insurance companies that offer Medigap plans in Texas must provide at least one option to those who qualify due to a disability. Thus, your plan options may be limited. Additionally, Medicare Supplement plan premium costs are not regulated, and prices tend to be very high for those under age 65.

Often, Medicare beneficiaries under 65 enroll in a Medicare Advantage plan until they age into Medicare at 65. At this time, they will receive a second Medicare Supplement Open Enrollment Period and can enroll in a Medigap plan at a much lower cost.

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Do I Qualify for Medicare Supplement Plans in Texas if I Collect Disability?

If you collect Social Security Disability Income (SSDI) for at least 24 months, you are eligible for a Medicare Supplement plan in Texas. However, carriers do not need to offer all plans to those under 65. Also, the cost of a Medigap plan may be much higher when you are under 65.

When is the Best Time to Enroll in Medigap Plans in Texas?

The best time to enroll in Medicare Supplement plans in Texas is during your six-month Medicare Supplement Open Enrollment window. At this time, you can enroll in a plan without needing to answer underwriting health questions.

If you miss enrolling in a plan during this time, you can still sign up at any time of the year. Although, if you choose to do so outside your open enrollment window, you may have to go through medical underwriting. This means answering a series of health questions that may allow a healthcare carrier to deny your application or charge you higher premiums if you have a pre-existing condition.

Yet, if you become eligible for a Special Enrollment Period, you may receive guaranteed issue rights to enroll in a Medicare Supplement plan without health questions. Guaranteed issue rights include scenarios like loss of Medicaid, moving out of your plan’s service area, and more.

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How to Apply for Medicare Supplement Plans in Texas

Enrolling in the right Medicare Supplement plan is essential for a bright future in your healthcare. We understand searching for a policy can be overwhelming. That is where we come in.

At MedicareFAQ, our agents are experts. They stay up-to-date with the latest changes to Medigap plans in Texas to ensure you make the right choice for your coverage the first time,

Plus, our services are always 100% free. We'll compare rates from 30+ top carriers to find the right match for your needs. Also, when you enroll in a plan through us, you have unlimited support from our Client Care Team.

To get started today, call us at the phone number above. You can also use our online rate comparison tool to see rates for Medicare Supplement plans in Texas now.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare supplement insurance guide, Texas Department of Insurance. Accessed April 2022.
    https://www.tdi.texas.gov/pubs/consumer/medsup.html

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

6 thoughts on “Medicare Supplement Plans in Texas

  1. My Medicare will begin in December. Will I be required to remain on my husband’s insurance through his employer or do I have the option to get off of his insurance so Medicare will be primary and find a supplement?

    1. Hi Stephanie! You’re not required to stay on your husbands’ insurance, but you can if that’s the best option for you. It really comes down to how many employees his employer has and which coverage is better for your healthcare needs. Usually, Original Medicare in combination with Medigap & Part D gives you better coverage and less out-of-pocket when compared to group employer coverage. However, the premium for Part B, Medigap, & Part D may be more than the premium for employer coverage.

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