Texas Medicare Supplement Plans 2019 Medigap Plans
Which Texas Medicare Supplement is Best for Me?
Three out of four Texas seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $134.43 | $115.26 | $95.49 |  |
|
| Aetna | $149.77 | $118.29 | $95.55 |  |
|
| American Republic | $187.80 | N/A | N/A |  |
|
| American Retirement Life | $149.51 | $124.63 | $93.54 | |
|
| Assured Life | $251.65 | $183.37 | $77.30 | |
|
| Bankers Fidelity | $120.01 | $138.33 | $85.09 | |
|
| Cigna | $120.94 | $96.91 | $80.21 | |
|
| Colonial Penn | $202.23 | $175.69 | $108.74 | |
|
| Combined Insurance | $146.79 | $117.36 | $114.49 | |
|
| CSI Life | $163.00 | $119.42 | $93.25 | |
|
| Equitable National | $120.28 | $94.20 | $79.44 | |
|
| Everest | $123.67 | $96.70 | $83.01 | |
|
| Gerber Life | $215.88 | $165.15 | N/A | |
|
| Globe Life | $167.00 | N/A | N/A | |
|
| GPM Health and Life | $124.62 | $93.10 | $77.79 |  |
|
| Guarantee Trust Life | $119.60 | $95.61 | $78.55 | |
|
| Heartland National | $156.89 | $128.27 | $105.89 | |
|
| Humana | $179.29 | N/A | $110.54 | |
|
| Loyal Christian | $129.36 | $96.03 | $84.30 | |
|
| Medico | $173.00 | $132.35 | $119.33 | |
|
| Old Surety | $144.68 | $98.94 | N/A | |
|
| Oxford Life | $169.10 | $99.31 | $115.90 | |
|
| Pan-American Life | $127.83 | $100.36 | $89.88 | |
|
| Pekin Insurance | $125.39 | $97.80 | $80.47 | |
|
| Philadelphia American | $119.98 | $93.22 | N/A | |
|
| Puritan Life | $121.27 | $93.72 | $79.55 | |
|
| Renaissance Life | $129.45 | $101.64 | $86.54 | |
|
| Sentinel Security Life | $204.42 | $101.41 | $108.02 | |
|
| Shenandoah Life | $122.95 | $92.87 | $74.84 | |
|
| State Farm | $171.02 | N/A | N/A | |
|
| S.USA Life Insurance | $118.82 | $98.59 | N/A | |
|
| Thrivent | $169.76 | $147.28 | N/A | |
|
| Transamerica | $140.41 | $99.21 | $79.73 | |
|
| Unified Life | $120.01 | $95.70 | $80.41 | |
|
| United American | $154.00 | $179.00 | $139.00 | |
|
| United Commercial Travelers | $262.87 | $219.26 | $180.59 | |
|
| United World | $158.01 | $114.52 | $93.39 | |
|
| Universal Fidelity Life | $152.48 | $126.77 | $114.01 | |
|
| USAA Life | $131.07 | N/A | $84.83 | |
|
| Western United Life | $123.83 | $93.67 | $81.58 | |
|
Compare Plan RatesThe average Texas senior compares three or more quotes before making an enrollment decision. |
|||||
Top 10 Medicare Supplement Plans in Texas
Looking for the best Plan F, G or N available to Texas seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Texas
Medicare Supplement Plan F is the most popular Medigap plan available in Texas. Here are the 10 best Plan F policies available in Texas based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| Bankers Fidelity | $120.01 | $25.00 | |
| Pekin Insurance | $125.39 | $25.00 | |
| AARP | $134.43 | None | |
| United American | $154.00 | None | |
| Thrivent | $169.76 | None | |
| S.USA Life Insurance | $118.82 | $25.00 | |
| Guarantee Trust Life | $119.60 | $25.00 | |
| Philadelphia American | $119.98 | $20.00 | |
| Unified Life | $120.01 | $25.00 | |
| Cigna | $120.94 | None | |
10 Best Medigap Plan G Policies in Texas
Medicare Supplement Plan G is rapidly gaining popularity among Texas seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Texas based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| Pekin Insurance | $97.80 | $25.00 | |
| AARP | $115.26 | None | |
| Bankers Fidelity | $138.33 | $25.00 | |
| Thrivent | $147.28 | None | |
| United American | $179.00 | None | |
| Philadelphia American | $93.22 | $20.00 | |
| Western United Life | $93.67 | $25.00 | |
| Guarantee Trust Life | $95.61 | $25.00 | |
| Unified Life | $95.70 | $25.00 | |
| Everest | $96.70 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Texas
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Texas seniors. Here are the 10 best Medigap Plan N policies available in Texas based on our reviews (click for details):
| Carrier | Premium[1] | Fee | Review[2] |
|---|---|---|---|
| Pekin Insurance | $80.47 | $25.00 | |
| Bankers Fidelity | $85.09 | $25.00 | |
| AARP | $95.49 | None | |
| United American | $139.00 | None | |
| Guarantee Trust Life | $78.55 | $25.00 | |
| Cigna | $80.21 | None | |
| Unified Life | $80.41 | $25.00 | |
| Western United Life | $81.58 | $25.00 | |
| Everest | $83.01 | $25.00 | |
| USAA Life | $84.83 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in Texas. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Texas are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medicare Supplement Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Texas. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
Texas Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Texas offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Texas Department of Insurance website at http://www.tdi.texas.gov/.
Is Medicare Supplement Plan F the Best Medicare Plan in Texas?
Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all Texas seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.
IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Texas than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many Texas seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Texas. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Texas Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Texas SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-252-9240
- http://www.tdi.texas.gov/consumer/hicap/index.html
Looking for Insurance Carrier Contact Information?
Disclaimers
The Medicare Supplement Insurance data on MedicareWire.com comes from Medicare.gov, CMS.gov and private sources and is subject to change. CMS has neither reviewed nor endorsed the information on this site.
The MedicareWire.com website is available for educational purposes. Our goal is to present information about senior health insurance accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers:
Compare 2019 Medicare Supplement Plans in Texas. Get rates and reviews, including Plan F, G, and N. Find the best Medigap Plans in Texas at the lowest cost available. Get an AARP Med Supp plan, guaranteed issue, if you're turning age 65.
MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments.
Trademarks
The logos and brand names used on this page are legal U.S. trademarks. We make no claim to the marks whatsoever, nor do we claim to represent the brands, products or services presented. We use brand names and logos on this page for editorial purposes only, as permitted by U.S. Trademark Fair Use Law and the Great State of Texas.
Foot Notes
[1] Sample premium is for a 65 year old, non smoking, woman living in Texas. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[2] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare supplement insurance information on MedicareWire is maintained by David Bynon and was last updated on .