Medicare Supplement Plans in Texas
On this page we help consumers: Compare Texas Medicare supplemental insurance. See premiums, fees, and reviews on all TX Medigap plans, including Plan F, G, and N.
| 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
Looking for a different plan? Compare all Medicare supplement plans here.
Texas Medicare Supplement Plan F Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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 | |
Texas Medicare Supplement Plan G Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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. | |||
Texas Medicare Supplement Plan N Comparison Chart
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[3] | Fee | Review[4] |
|---|---|---|---|
| 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. | |||
Best Texas Medigap Plan Reviews
We review all major Medigap insurance carriers selling 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 is 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.
How Much do Texas Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in Texas. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in Texas are Standardized
All Medicare Supplement insurance carriers in Texas are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All Texas Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance 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:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Texas Department of Insurance website at http://www.tdi.texas.gov/.
Texas Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
| 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.
Got questions about Medicare Supplement Insurance in Texas?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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
Additional Foot Notes
[3] 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.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .