Best Medicare Supplement Plans in Texas

Written by: 
Matt Kiggins
Last updated: 
Aug 14, 2023

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.

Best Plan G:

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.

Monthly Plan Cost: $117

*Quotes for a 65 year old non smoking female, in zip code 73301.

Best Plan N:

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)

Out of Pocket Expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits


Monthly Plan Costs: $82

*Quotes for a 65 year old non smoking female, in zip code 73301.

Best High Deductible Plan G:

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

Monthly Plan Cost: $42

*Quotes for a 65 year old non smoking female, in zip code 73301.

Best Full Coverage

Cigna Medicare Supplement Plan F

  • As a Texas resident enrolled in Original Medicare prior to 2020, Cigna's Plan F offers the optimal way for you to maximize your coverage while saving money. This plan covers all coinsurances and deductibles of both Part A and Part B.

Monthly Plan Cost: $146

*Quotes for a 65 year old non smoking female, in zip code 73301.

Find Plans in Your Area
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

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:

Cigna

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+

Aetna

Market share: 14.42%

Plan G cost: $128

Plan N cost: $90

Financial strength: A

United Healthcare

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:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Plan K

Monthly Cost

$146

$117

$82

$42

$115

$54

Plan Popularity in Texas

60%

45%

25%

15%

8%

-1%

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.

FAQ

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.

Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

Read Full Bio
Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com
Insurance Licenses & Lines of Authority

Matt Kiggins is the producer appointed to oversee the content written on SimpleAdvisor.com.

Every agent representing PG holds a state-issued producer license for the states they serve.

Below is a list of Matt's active state license numbers:

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Idaho

Illinois

Indiana

Iowa

Kentucky

Louisiana

Maine

Maryland

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Vermont

Virginia

West Virginia

Wisconsin

Wyoming

755279

3001965232

9559070

9559070

0H72252

519936

9559070

3001965305

P116762

3072590

932489

9559070

3799890

9559070

911784

709135

PRN419941

3001965303

9559070

40593901

10859393

3001965230

100159294

9559070

3191612

9559070

N1623228

9559070

9559070

1439768

100254887

9559070

790297

3001965331

9559070

40642669

2331396

1585860

3001965244

822139

9559070

9559070

322182

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.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547

Or enter your zip code to shop online

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get Quote