Best Medicare Supplement Plans in Texas

See popular plan types, top companies and price comparisons for Medigap policies in Texas.
May 2, 2022

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Texas has over 4.4 million Medicare beneficiaries — the third highest total of any state

. Of those, about 2.3 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. More than 900,000 Texans had Medigap coverage at the end of 2020

.

Here’s what you need to know about finding the best Medigap policy for you 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 more than 90% of the Medigap beneficiaries in Texas.

Here are the top three most popular Medicare Supplement Insurance plan types with Texans

:

  • 46% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

  • 41% have Medigap Plan G — the highest-coverage option available to new Medicare members.

  • 7% have Medigap Plan N — a plan with lower premiums but higher copays.

Nerdy tip: 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 2020

:

Insurance company

Share of Texas Medigap members

22.9%.

18.3%.

17.7%.

9%.

4.1%.

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 quotes for a 65-year-old female nonsmoker in Dallas. The prices listed reflect base pricing with discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for men.)

Insurance company

Plan G monthly premiums

Plan N monthly premiums

Blue Cross Blue Shield of Texas

$121.49.

$98.86.

AARP/UnitedHealthcare

$124.39.

$97.76.

Aetna

$126.03.

$88.05.

Mutual of Omaha

$132.62.

$100.07.

Cigna

$162.17.

$109.21.

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: $96 per month.

  • Medigap Plan N: $74 per month.

Medicare resources in Texas

Medicare Supplement Insurance providers

Get more information about some of the major health insurance companies that sell Medigap plans. Use Medicare’s plan finding tool or check the companies’ websites to see plan options in your location.

Compare Medicare Supplement Insurance providers

Complaint rate: 67% worse than the market average.

Service area: 43 states.

Percent of premiums spent on benefits: 75.6%.

Complaint rate: 63% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

Complaint rate: 24% worse than the market average.

Service area: 16 states.

Percent of premiums spent on benefits: 68.6%.

Complaint rate: 0.4% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 72.6%.

Complaint rate: 40% worse than the market average.

Service area: 48 states and Washington, D.C.

Percent of premiums spent on benefits: 75%.

Complaint rate: 335% worse than the market average.

Service area: 49 states, Washington, D.C., and Puerto Rico.

Percent of premiums spent on benefits: 77%.

Complaint rate: 62% better than the market average.

Service area: 49 states and Washington, D.C.

Percent of premiums spent on benefits: 71.4%.

Complaint rate: 50% better than the market average.

Service area: 45 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

The average percent of premiums spent on member benefits across all Medigap insurance companies is 72.3%

. The minimum required by law for individual Medigap policies is 60%.

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.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in Texas? Check out these resources:

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