Texas Medicare Supplement plans, or Medigap plans, work alongside Medicare and cover expenses that it doesn’t pay. This means you don’t have to be responsible for coinsurance, deductibles, and extra expenses. We detail the ten various Medicare Supplement plans in Texas so you can make an informed decision.

Texas Medigap Enrollment & Coverage Chart per Letter Plan

Texas has 873,514 Medigap enrollees. This makes up 32.1% of the United States’ Medigap beneficiaries. See the total enrollees for each plan below.

PLAN A B C D F G K L M N
9,925 3,712 15,066 7,126 478,558 254,314 5,748 3,472 33 61,163

What are the Best Medigap Plans in Texas?

The best Texas Medicare Supplement plans include:

Medigap Plan Coverage Chart for Texas

Medigap plan coverage is the same across all but three states. For example, in Texas, you’ll receive the same coverage for hospital coinsurance, the Part A deductible, and coverage for up to three pints of blood for several plans as you would in Alabama.

Medicare Supplement Plans Costs in Texas

Texas Medicare Supplement plans vary in cost depending on several factors, including your location, age, gender, whether you use tobacco, your payment frequency, any household discounts you’re eligible for, and more. These factors will determine your monthly premium.

Inexpensive Premium per Medigap Letter Plan in Texas

Medigap offers inexpensive premiums that vary between $51 and $126, depending on the plan you choose. The following quotes are for a 70-year-old female.

PLAN A B C D F G K L M N
Premium $94 $116 $126 $118 $117 $95 $51 $64 $75 $77

Highest Premium per Medigap Letter Plan in Texas

The highest premium for Medigap plans is Plan A, at $603. A male who’s 70 years old would pay the following quotes depending on the plan.

PLAN A B C D F G K L M N
Premium $603 $311 $385 $268 $442 $419 $149 $224 $75 $400

Top Medicare Supplement/Medigap Plan Carriers in Texas

The top Texas Medicare supplement plan carriers offering Plan F, Plan G, and Plan N include SBLI USA, Magna Insurance, American Financial, Medico, and Philadelphia American. Plan N offers the lowest premiums, while Plan F is the most expensive across all carriers.

CARRIERS PLAN F PLAN G PLAN N
SBLI USA $117 $95 $77
Philadelphia American $146 $102 $81
Magna Insurance $120 $99 $80
American Financial $122 $106 $79
Medico $123 $102 $80

FAQs

What is the best Medicare Supplement plan in Texas?

Out of all Texas Medicare Supplement plans, Plan F offers the most coverage. Beneficiaries have no out-of-pocket limit and get coverage for Part A and Part B coinsurance and deductibles. For this reason, you’ll also pay higher premiums than other top Medigap plans.

How old do you need to be to qualify for a Medicare Supplement plan in Texas?

To qualify for Medigap in Texas, you must be 65 years or older. Those under 65 won’t be able to purchase a Medigap policy. However, Medigap insurers must offer Plan A to disabled beneficiaries when they enroll in Medicare Part B.

If you’re not disabled or have insurance such as Medicare or another private insurance, your Medicare Supplement enrollment period also begins upon signing up for Part B.

Which Medicare Supplement plan has the lowest rate increases in Texas?

The Texas Medicare Supplement plan with the lowest rate increases is Plan G. Although Plan G doesn’t cover the Part B deductible that Plan F does, its competitive low premium helps you save more each month. Several Plan G policies offer lower rate increases compared to Plan F.

What is the Medigap enrollment period for Texas?

In Texas, Medicare’s open enrollment doesn’t apply to Medigap plans. You only have a six-month window after you turn 65 to enroll in Medigap when you enroll in Medicare Part B. For Medicare Advantage, open enrollment begins October 15 and ends December 7.

In Texas, what disabilities qualify for a Medicare Supplement plan before the age of 65?

Disabilities that qualify you for a Medicare Supplement plan before the age of 65 include ALS and end-stage renal disease. You may also qualify for Medigap with a pre-existing condition if you’ve already gotten disability benefits for 24 months or longer.

How to Sign Up for a Medicare Supplement/Medigap Plan in Texas

Now that you’re aware of 2022’s top Medicare Supplement plans in Texas, you can use this information to make a selection yourself. Whether you’re disabled with a pre-existing condition or have just turned 65, Medigap plans in Texas can help you save significantly. Take advantage of our resources and sign up for Medigap yourself, or ask us for assistance.

To sign up for Texas Medicare Supplement plans, it’s best to speak to the experts. At Medigap.com, we can answer all your questions and help you apply to Medigap. We work with all carriers and compare the top plans to help you find the best one, no matter your financial and medical needs.

You won’t want to be without additional Medicare Supplement insurance when your Medicare coverage doesn’t take care of all your medical expenses. Give us a call or complete our rate form to get rates now.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.