Best Medicare Supplement Plans in Texas 2024
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Texas has more than 4.6 million Medicare beneficiaries — the third highest total of any state. Of those, about 2.2 million Texans have Original Medicare (Part A and Part B).
If you have Medicare Part A and Part B, you’re eligible to purchase Medicare Supplement Insurance, or Medigap. Medigap plans cover certain out-of-pocket expenses left over after Medicare pays for covered services. About 940,000 Texans had Medigap coverage as of the end of 2022.
Here’s what you need to know about finding the best Medigap policy for you in Texas.
Compare Medicare Supplement plans in Texas
Most popular Medicare Supplement Insurance plan types in Texas
There are 10 standard Medigap plan types available in Texas (Plan C and Plan F aren’t available for new members), but they’re not all equally popular. In fact, just three plans cover nearly 95% of the Medigap beneficiaries in Texas.
Here are the top three most popular Medicare Supplement Insurance plan types with Texans:
45% have Medigap Plan G — the highest-coverage option available to new Medicare members.
42% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.
8% have Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option that’s available to all Medicare beneficiaries.
Top Medicare Supplement Insurance companies in Texas
Medigap plans are regulated by the government, but they’re sold by private insurance companies. Here are the five most popular Medicare Supplement Insurance companies in Texas as of the end of 2022:
Medicare Supplement Insurance prices in Texas
It’s worth comparing companies to find the lowest price for your chosen plan. The benefits of each Medigap plan are standardized, so you get the same Medicare benefits regardless of the company you choose.
Here are prices for Medigap Plan G and Plan N, the most popular plans available for new Medicare members, from the five Texas Medigap companies with the most members.
The table below shows price estimates for a 65-year-old female nonsmoker in Dallas as filed with the Centers for Medicare & Medicaid Services. (Note: Some Medigap prices may be higher for men.)
Insurance company | Plan G monthly premiums | Plan N monthly premiums |
|---|---|---|
Mutual of Omaha | $123. | $93. |
AARP/UnitedHealthcare | $129. | $96. |
Blue Cross Blue Shield of Texas | $130. | $106. |
USAA | $135. | $125. |
Aetna | $141. | $99. |
For reference, here are the lowest premiums available from any company for the two plans in Texas, according to the Medicare plan finding tool:
Medigap Plan G: $109 per month.
Medigap Plan N: $82 per month.
Medicare resources in Texas
State Health Insurance Assistance Program (SHIP): The Texas Health Information, Counseling and Advocacy Program provides free information and counseling about Medicare options, processes and costs.
Texas Department of Insurance: Publishes information about Medicare, long-term care insurance and other insurance topics.
Texas Area Agencies on Aging: Provide information and assistance for Texans older than 60 and their caregivers to access a variety of community services.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
Looking for more insurance in Texas? Check out these resources:
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you.
To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
