What Are the Top 5 Medicare Supplement Plans in Texas?

If you're feeling overwhelmed by all the Medicare options out there, you're not alone - and you're in the right place.

At Policy Guide, we talk to Texans every day who want simple, predictable, no-surprises coverage that lets them go to the doctor without jumping through hoops.

That’s exactly what Medicare Supplement plans (also called Medigap) are designed to do.

Unlike Medicare Advantage, Medigap plans don’t lock you into a network or require prior authorizations for specialists.

You can see any doctor or hospital in Texas - or anywhere in the U.S. - as long as they take Medicare.

No referrals. No red tape. Just freedom to use your coverage how you need it.

It’s no surprise over 780,000 Texans have already enrolled in Medigap plans. Nationally, these plans have a 90%+ satisfaction rate, and it’s easy to see why: they give people the peace of mind of predictable costs and coverage that travels with them.

The key? Choosing the right plan.

Most people end up picking from just a few popular options - Plan G, Plan N, or High-Deductible Plan G - and the differences mostly come down to monthly cost versus out-of-pocket responsibility.

That’s what we’re going to walk through in this guide.

We'll break down the Top 5 Medicare Supplement plans in Texas for 2025, explain who they’re best for, and help you find the one that fits your budget and lifestyle best.

What Are the Top 5 Medicare Supplement Plans?

We work with Medicare plans every day - and after helping hundreds of Texans, these are the plans we come back to again and again. They offer the best mix of coverage, value, and peace of mind.

Here are our favorite Medicare Supplement plans and why they stand out.

#1. Best for Full Coverage: Plan G

If you're looking for the most comprehensive Medicare Supplement plan available in Texas, Plan G is the go-to choice.

It's popular for a reason: it fills nearly every gap in Original Medicare - except for a small annual deductible (currently $257 in 2025 for Part B).

After that, you're covered.

Why Plan G Works for So Many Texans

Plan G is ideal if you:

• See the doctor often or manage chronic health conditions
  
• Want to avoid surprise bills and keep things predictable
  
• Prefer “set it and forget it” coverage that just works
  

This plan gives you peace of mind. Whether it’s specialist visits, lab work, or a hospital stay, you’ll know what to expect with your costs.

And you can go to any provider in Texas - or anywhere nationwide - that takes Medicare.

What Plan G Covers

Plan G covers:

• Medicare Part A coinsurance and hospital costs
  
• Skilled nursing facility care
  
• Blood (first 3 pints)
  
• Hospice care coinsurance
  
• Medicare Part B coinsurance and excess charges
  
• Foreign travel emergency coverage (up to plan limits)
  

The only thing you pay is the Part B deductible ($257 in 2025) - and after that, Medicare and your supplement pick up the rest.

How Much Does Plan G Cost in Texas?

Monthly premiums in Texas vary by ZIP code, age, gender, and whether you use tobacco. But here’s a general range to expect:

Average monthly premium: $160–$220/month (for a 65-year-old nonsmoker in Texas)

Some companies offer household discounts or other rate incentives, which can help lower your costs.

#2. Best Value Option: Plan N

If you’re looking for a smart middle ground - solid coverage with a lower monthly premium - then Medicare Supplement Plan N might be the best fit.

It offers nearly all the core benefits of Plan G, but with a few small trade-offs that can help keep your monthly cost down.

Plan N is a great choice if you:

• Are in good health and don’t see the doctor too often
  
• Want to save on premiums without giving up essential coverage
  
• Don’t mind small copays here and there
  

It’s especially popular among healthy retirees who value peace of mind but don’t want to overpay for coverage they may not use often.

What Plan N Covers

• Medicare Part A coinsurance and hospital costs
  
• Skilled nursing facility coinsurance
  
• Hospice care coinsurance
  
• Blood (first 3 pints)
  
• Medicare Part B coinsurance (with some exceptions)
  
• Foreign travel emergency coverage (up to plan limits)

What it doesn’t cover:

• Medicare Part B excess charges (these are rare and can be avoided by using Medicare-assigned providers.)
  
• Part B deductible (same as Plan G - $257 in 2025)
  
• Some small copays:
  
  • Up to $20 for office visits
    
  • Up to $50 for emergency room visits (waived if you're admitted)

In exchange for those small out-of-pocket costs, Plan N typically has a lower premium than Plan G - often by $20–$40/month.

Average monthly premium: $130–$190/month (for a 65-year-old nonsmoker in Texas)

Another bonus? Plan N tends to have smaller annual rate increases than Plan G, which can help keep your coverage affordable over time.

#3. Lowest Premium Option: High-Deductible Plan G

If keeping your monthly premiums as low as possible is your top priority - and you're okay with paying more out of pocket if and when you need care - then High-Deductible Plan G (HDG) could be a smart choice.

This plan offers the same benefits as regular Plan G, but only after you meet an annual deductible - $2,870 in 2025.

HDG is a great option if you:

• Rarely go to the doctor or use medical services
  
• Are generally healthy and want coverage for major unexpected costs
  
• Have an HSA or savings you can use to pay toward the deductible
  
• Want to be protected from big bills, but pay less every month

Just keep in mind - this plan isn't for everyone.

If you have a chronic condition or anticipate frequent doctor visits, you’ll likely end up paying more out of pocket in the long run.

That makes HDG best suited for those who want low premiums and are okay with front-loading their costs if care is needed.

What HDG Covers (After Deductible)

Once you hit the $2,870 deductible, your coverage works just like Plan G, including:

• Hospital stays
  
• Outpatient visits
  
• Skilled nursing care
  
• Blood, hospice care, Part B excess charges
  
• Foreign travel emergency

Until then, you’re responsible for 100% of Medicare-approved expenses (that Medigap would normally cover) - but not more than the deductible amount.

HDG Monthly Premiums in Texas

This is where HDG really shines - the premiums are the lowest of any Medigap plan.

Average monthly premium: $55–$95/month (for a 65-year-old nonsmoker in Texas)

For many Texans, that’s a savings of $1,000+ per year compared to standard Plan G - if you stay healthy.

#4. Best for Texans Under 65: Plan K

If you’re under 65 and on Medicare due to disability, you’ve probably noticed something frustrating - Medicare Supplement plans are a lot more expensive for you than they are for someone 65 or older.

In many Texas counties, Plan G or Plan N can cost $500–$1,000/month for someone under 65. That’s simply not affordable for most people.

That’s where Medicare Supplement Plan K comes in.

Why Plan K Is a Lifesaver for Some Texans Under 65

Plan K is often the only reasonably priced Medigap plan available for people under 65 on Medicare.

It doesn’t offer full coverage like Plan G or N, but it helps with the big expenses - and it’s a huge step up from relying on Original Medicare alone.

This plan is a fit if you:

• Are on disability Medicare and under age 65
  
• Need some help with costs but can’t afford full-coverage plans
  
• Want a safety net in place to limit worst-case out-of-pocket spending
  

What Plan K Covers

Plan K works differently than other Medigap plans. Instead of full coverage for certain benefits, it pays 50% of the cost for many services:

• Part B coinsurance (you pay the other 50%)
  
• Skilled nursing facility care
  
• First 3 pints of blood
  
• Hospice care coinsurance
  

It also fully covers:

• Medicare Part A coinsurance and hospital costs
  
• Once you reach the annual out-of-pocket limit, it covers 100% of covered services for the rest of the year: the out-of-pocket maximum for Plan K in 2025 is $7,220

Monthly Premiums for Plan K in Texas (Under 65)

If you’re under 65, Plan K is usually the most affordable Medigap plan available, with premiums that are less than half the cost of Plan G or N.

Estimated monthly premium: $230–$400/month (for someone under 65 on Medicare due to disability)

Availability varies by ZIP code, and fewer companies offer this plan - but it’s worth checking if you’re looking for meaningful coverage without a $1,000 price tag.

#5. Best if Eligible Before 2020: Plan F

If you qualified for Medicare before January 1, 2020, you’ve got a unique opportunity - you're still eligible for Plan F, the most comprehensive Medicare Supplement plan available.

While it’s no longer available to new Medicare beneficiaries, those who are grandfathered in can still apply (or switch) if the plan is offered in their area.

Why Plan F Is Still Worth Considering

Plan F is the only Medigap plan that covers every single out-of-pocket cost under Original Medicare - including the Part B deductible.

That means:

• No copays
  
• No deductibles
  
• No excess charges
  
• No out-of-pocket surprises
  

You pay your monthly premium and nothing else for Medicare-covered services.

It’s perfect for anyone who wants total predictability and zero bills at the doctor’s office, the hospital, or anywhere else.

Who Can Enroll in Plan F?

To buy Plan F, you must have been:

• Eligible for Medicare before January 1, 2020 (even if you didn’t sign up right away)
  
• In good enough health to pass underwriting, unless you're in a guaranteed issue period
  

If that applies to you, Plan F is still an option worth considering - especially if you're looking for peace of mind and don’t mind paying a bit more each month for it.

Plan F Monthly Premiums in Texas

Because Plan F offers full coverage, it comes at a higher cost. But for many, the tradeoff is worth it.

Estimated monthly premium: $240–$300/month (for a 65–70-year-old nonsmoker in Texas)

Premiums can vary depending on the carrier, ZIP code, and discounts available, so it’s always a good idea to compare quotes.

Top Medigap Providers in Texas: Company Comparison

When it comes to choosing the right Medicare Supplement plan, the company behind the plan matters just as much as the plan itself.

In Texas, we work with dozens of Medigap insurers - but these five consistently rise to the top based on pricing, customer service, and plan availability.

Here’s how they stack up based on what we’ve seen working with hundreds of clients across the state.

#1. Humana

If you’re already familiar with Humana - maybe through a Part D plan or past Medicare Advantage experience - their Medigap plans are a great fit.

Plan N and Plan G are most popular, and bundling can sometimes lead to discounts.

Key points:

• Competitive in both urban and rural areas
  
• Good option if you want to bundle with Humana Part D
  
• National name, but still flexible in Texas counties

#2. Cigna

Cigna is a great all-around choice - and especially strong for people applying outside of their Medigap Open Enrollment window.

Their underwriting tends to be more flexible than most, and we’ve seen them approve clients that were declined elsewhere.

Key points:

• Strong Plan G and N pricing
  
• Ideal for non–open enrollment applicants
  
• Dependable for rural or underserved ZIP codes

#3. Blue Cross Blue Shield of Texas (BCBS Texas)

One of the most trusted names in Texas, BCBS Texas is known for its stability and local service.

Their Plan G is a client favorite, especially for folks who want predictable premiums and reliable support.

Key points:

• Strong household discounts
  
• Consistently smooth claims process
• Excellent brand reputation
• Great for those who prefer dealing with a Texas-based customer service team
  

#4. Aetna

Aetna offers some of the lowest rates on Plan N and High Deductible Plan G in many Texas ZIP codes.

They’ve also done a good job keeping rates stable over time, which is key when you’re shopping long-term.

Key points:

• Very competitive pricing
• Impressive rate stability in recent years
  
• A solid pick if you're cost-conscious but want trusted coverage
  

#5. Mutual of Omaha

A long-time leader in the Medigap space, Mutual of Omaha is often the first company we check when quoting Plan G and HDG.

Their service is consistent, and their transparency with rate history is a big plus.

Key points:

• Strong reputation across Texas
• Available household discounts
  
• Reliable option for both new enrollees and switchers
  

Choosing the Right Plan in Texas

There’s no one-size-fits-all Medicare Supplement plan - the best option for you depends on how you use your healthcare and what kind of budget you’re working with.

Here are a few simple questions to help you figure out which plan fits your lifestyle:

Do you travel frequently - within Texas or nationwide? All Medigap plans let you see any provider that accepts Medicare, but Plan G or N may be better if you want fuller coverage while on the go.

Do you visit doctors often or manage chronic conditions? If yes, Plan G offers predictability and full coverage after the small Part B deductible. If not, Plan N or HDG may give you better value.

Do you prefer predictable monthly costs or lower upfront premiums? Plan G is higher monthly but very little out of pocket. HDG is low monthly, but you’ll pay more if you need care.

Do you want zero billing surprises? Plan G and Plan F (if eligible) are your best bets. No copays, no excess charges, just straightforward coverage.

Side-by-Side Plan Comparison for Texans (2025)

Medigap vs. Medicare Advantage in Texas

We get this question all the time:

“Why should I pick a Medicare Supplement plan instead of Medicare Advantage?”

It’s a fair question - and one that can be confusing if you’re just starting to explore your options. Let’s break it down in plain terms.

Why So Many Texans Choose Medigap

Here’s the bottom line. Medigap (Medicare Supplement) plans give you freedom and predictability.

Medicare Advantage plans often look cheaper at first - but they come with trade-offs.

With Medigap:

• No networks – Go to any doctor or hospital in Texas or the U.S. that accepts Medicare
  
• No prior authorizations – You get the care you need without having to ask for permission
  
• No referrals – You’re in control, not a managed care gatekeeper
  
• Predictable bills – Most Medigap plans cover nearly everything after a small deductible
  

With Medicare Advantage:

• You’re often limited to a local network of doctors
  
• You may need referrals or pre-approvals to see specialists
  
• You’ll face copays for nearly every visit or service
  
• Out-of-pocket costs can stack up quickly if you need regular care
  

Real-World Scenario: Chronic Care in Texas

Let’s say you’re a Texan with diabetes and high blood pressure.

You see:

• A primary doctor every month
  
• A cardiologist every 3-4 months
  
• A specialist annually for diabetic eye care
  
• You travel to visit family out of state and want to see doctors while you’re there
  

With a Medicare Advantage plan, that means:

• Getting referrals and pre-approvals for specialists
  
• Copays for every visit and every test
  
• Risk of getting hit with out-of-network charges if you’re outside your service area
  
• Possibly having to switch doctors if they leave your plan’s network
  

With a Medigap Plan G:

• No referrals needed
  
• No surprise bills - after the $257 deductible, Medicare + your supplement covers the rest
  
• Freedom to use any Medicare provider nationwide
  
• Predictable monthly premium and no nickel-and-diming
  

The Takeaway

If you want low monthly premiums and don’t mind restrictions, Medicare Advantage might work for you.

But if your priority is freedom to choose providers, predictable costs, and avoiding red tape, Medigap is the better fit - and why so many Texans choose it year after year.

Switching From Medicare Advantage to Medigap

If you're currently on a Medicare Advantage (MAPD) plan but want to switch to Medigap, there are a few rules to understand - especially around timing and health underwriting.

Your 6-Month Medigap Open Enrollment Window

Everyone gets a one-time, 6-month open enrollment window when they first enroll in Medicare Part B (usually at age 65).

During this time:

• You can sign up for any Medigap plan available in Texas
  
• You cannot be denied or charged more based on your health
  
• It’s the best time to enroll - no health questions asked
  

“Trial Right” Protection for First-Time MAPD Users

If you enrolled in a Medicare Advantage plan when you first became eligible for Medicare, you may have a “trial right” to switch to a Medigap plan within the first 12 months.

This gives you:

• A guaranteed right to buy a Medigap policy
  
• No medical underwriting
  
• Peace of mind if you try MAPD but decide it’s not for you
  

We’ve helped many Texans take advantage of this protection when their MAPD plan didn’t work out.

Can I Switch to Medigap Later?

Yes - in Texas, you can apply for a Medigap plan any time of year.

But outside of Open Enrollment or trial rights:

• Insurance companies can ask health questions
  
• They can deny your application or charge more based on your medical history
  

So while switching is possible, it’s not always guaranteed. If you’re thinking about switching, it’s best to talk with an agent who can walk you through underwriting and your eligibility.

Bottom Line

Choosing a Medicare Supplement plan in Texas isn’t about picking the “best” plan overall - it’s about finding the one that fits you.

Whether you want full coverage with no surprises, a lower monthly premium with manageable out-of-pocket costs, or something in between, there’s a Medigap plan that can match your needs.

For many Texans, the choice comes down to Plan G, Plan N, or High-Deductible G.

Each offers freedom to see any Medicare provider nationwide and protection from the red tape of Medicare Advantage.

And if you’re under 65 or eligible before 2020, there are still solid options available.

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