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.

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:

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:

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.