Medicare Supplements Plans Texas
On this page we help consumers: Compare 2020 Medicare Supplement plans in TX. See Medigap premiums and reviews, including Plan F, G, and N. View a complete Medicare Supplement Plans Comparison Chart with all plans, carriers, and rates.
Texas Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with a Medicare Supplement, offers the best health coverage Texas seniors can get. But, which Medigap plan is the right one for you?
This is a complicated question. After all we're all different and have different needs. For most of us it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G and N. Keep reading and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $134.43 | $115.26 | $95.49 |  |
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| Aetna | $149.77 | $118.29 | $95.55 |  |
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| American Republic | $187.80 | N/A | N/A |  |
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| American Retirement Life | $149.51 | $124.63 | $93.54 | |
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| Assured Life | $251.65 | $183.37 | $77.30 | |
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| Bankers Fidelity | $120.01 | $138.33 | $85.09 | |
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| Cigna | $120.94 | $96.91 | $80.21 | |
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| Colonial Penn | $202.23 | $175.69 | $108.74 | |
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| Combined Insurance | $146.79 | $117.36 | $114.49 | |
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| CSI Life | $163.00 | $119.42 | $93.25 | |
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| Equitable National | $120.28 | $94.20 | $79.44 | |
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| Everest | $123.67 | $96.70 | $83.01 | |
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| Gerber Life | $215.88 | $165.15 | N/A | |
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| Globe Life | $167.00 | N/A | N/A | |
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| GPM Health and Life | $124.62 | $93.10 | $77.79 |  |
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| Guarantee Trust Life | $119.60 | $95.61 | $78.55 | |
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| Heartland National | $156.89 | $128.27 | $105.89 | |
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| Humana | $179.29 | N/A | $110.54 | |
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| Loyal Christian | $129.36 | $96.03 | $84.30 | |
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| Medico | $173.00 | $132.35 | $119.33 | |
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| Old Surety | $144.68 | $98.94 | N/A | |
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| Oxford Life | $169.10 | $99.31 | $115.90 | |
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| Pan-American Life | $127.83 | $100.36 | $89.88 | |
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| Pekin Insurance | $125.39 | $97.80 | $80.47 | |
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| Philadelphia American | $119.98 | $93.22 | N/A | |
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| Puritan Life | $121.27 | $93.72 | $79.55 | |
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| Renaissance Life | $129.45 | $101.64 | $86.54 | |
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| Sentinel Security Life | $204.42 | $101.41 | $108.02 | |
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| Shenandoah Life | $122.95 | $92.87 | $74.84 | |
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| State Farm | $171.02 | N/A | N/A | |
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| S.USA Life Insurance | $118.82 | $98.59 | N/A | |
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| Thrivent | $169.76 | $147.28 | N/A | |
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| Transamerica | $140.41 | $99.21 | $79.73 | |
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| Unified Life | $120.01 | $95.70 | $80.41 | |
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| United American | $154.00 | $179.00 | $139.00 | |
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| United Commercial Travelers | $262.87 | $219.26 | $180.59 | |
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| United World | $158.01 | $114.52 | $93.39 | |
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| Universal Fidelity Life | $152.48 | $126.77 | $114.01 | |
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| USAA Life | $131.07 | N/A | $84.83 | |
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| Western United Life | $123.83 | $93.67 | $81.58 | |
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Compare Plan RatesThe average Texas senior compares three or more quotes before making an enrollment decision. |
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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
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. | |||
Medicare Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Texas. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Texas head-to-head, statewide. 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
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 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?
What About the AARP Medicare Supplement: Is it the Best Texas Medigap Plan?
Best is a relative term. To be sure, AARP sell more Medicare Supplements than any other insurance carrier. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.
In our experience, AARP Medicare Supplement premiums are frequently more than competing carrier in the same area. However, in many areas UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.
AARP sells a range of Medicare supplements, however, Plan F, Plan G and Plan N are the most popular. You can quickly see the coverage differences between these plans using 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.
Medigap vs Medicare Advantage
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. 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
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 .