Best Medicare Supplement Plans in Texas
There are ten Medicare Supplement plans available to choose from in Texas.
- Of the ten plans offered, we found Cigna's Medicare Supplement Plan G offers the best overall value with the most comprehensive coverage at a monthly premium of just $117.
- Cigna's Plan N is the second best option if you want budget-friendly insurance without sacrificing quality. At just $82 a month, it provides great value for your money.
- Cigna's version of the High Deductible Plan G is a great, affordable coverage option for Medicare beneficiaries, costing only $42 per month. The plan provides access to the same benefits as Plan G after you meet the annual deductible of $2,700.
Below are some brief highlights of what each plan covers.
Cigna Medicare Supplement Plan G
When you're looking for a dependable Medicare Supplement plan that offers superior coverage, Cigna Plan G is your go-to. You'll be covered for most out-of-pocket expenses (other than the Part B deductible), and its affordability and reliability make it one of the top choices available in today's marketplace.
Consider the following advantages of choosing Plan G:
- Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
- No referrals are required.
- Freedom to see any medical provider willing to accept Original Medicare.
Cigna Medicare Supplement Plan N
If you are on a budget yet still need great coverage, then Cigna Medicare Plan N is the perfect choice for you.
Not only does this plan offer lower premiums than other plans, but it also comes with numerous benefits like:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Cigna High-Deductible Plan G
- Same Benefits as Medicare Plan G
- Annual Deductible of $2,700
- Significantly Cheaper than Medicare Plan G
- Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible
Cigna Medicare Supplement Plan F
What's the Best Medicare Supplement Company in Texas?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Texas.
While Cigna Medigap plans tend to be more affordable in Texas, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Texas, including sample premiums, ratings, and market share:
Market share: 4.47%
Plan G cost: $117
Plan N cost: $82
Financial strength: A
Mutual of Omaha
Market share: 18.55%
Plan G cost: $117
Plan N cost: $91
Financial strength: A+
Market share: 14.42%
Plan G cost: $128
Plan N cost: $90
Financial strength: A
Market share: 22.35%
Plan G cost: $118
Plan N cost: $90
Financial strength: A
How Much Does a Medigap Plan Cost in Texas?
The best price for Medicare Supplement Plan G in Texas is $117 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
High Deductible G
Plan Popularity in Texas
Quotes are for sample purposes only. Prices are the average monthly rate in Texas for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
An application for a Medigap plan in Texas is best made within the Medigap Open Enrollment Period (OEP). This period allows you to compare plan options with the insurer and review Medicare benefits pricing, but it cannot be changed or repeated, so it is essential to know when your OEP occurs. For age specifics, see below.
At 65 or older, you can enroll in any Medicare Supplement insurance plan in Texas (no matter your health condition) in the six months after you have enrolled in Part B.
When turning 65, you can plan to enroll during the first month that you are 65 years old. After that, your birth month begins a six-month enrollment period, and again, Part B coverage is necessary for enrollment.
If under 65, eligibility is reduced. In addition, some states are required to sell Medigap policies to those under 65 with a qualifying disability or ESRD (end-stage renal disease). As a result, pricing for these Medicare plans usually costs more.
Beneficiaries receive the lowest possible rates during the Open Enrollment Period, and no Medicare insurance company can deny the beneficiary access to any plan. In addition, medical underwriting is not allowed during the open enrollment period - which means that a beneficiary's current and pre-existing health conditions are not a factor in pricing. All of these benefits are called guaranteed issue rights. In certain situations, you may receive these rights, which can be applied in cases such as losing coverage or having a plan that no more extends services in your area. These unique situations are called Special Enrollment Periods, and during them, you can enroll in Medigap without being charged more.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
Aetna, Cigna, Humana, Mutual of Omaha, and UnitedHealthcare. All five of these companies offer a variety of plans with different coverage options, so it is important to evaluate your needs and compare the different policies to select the plan that best fits your needs.
Medigap plans are very popular in the state of Texas. According to recent statistics, more than 1.8 million Texans have chosen a Medigap plan to supplement their Medicare coverage. This is an increase of 20% since 2018.
Plans can range from as low as $82 per month for basic coverage up to $146 or more for more comprehensive coverage. The cost of Medicare Supplement plans in Texas can vary greatly depending on your specific information, the type of coverage needed, and the provider selected.
Yes, an insurer can deny coverage for health reasons if you are outside the Medigap Open Enrollment Period and do not qualify for a guaranteed issue right.
You are protected by federal law if you want to switch during the Medigap Open Enrollment Period or if you have guaranteed issue rights. Otherwise, your application will go through the underwriting process and can be denied.
- BCBS Texas Medicare Options
- Mutual of Omaha Medicare Supplement Plans
- Aetna Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Texas Medicare Supplement Insurance Guide
- Texas Companies with Medicare Supplement Insurance
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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