Aetna Medicare Supplement Plan G in Texas

When it comes to Medicare Supplement insurance, Plan G is the most popular choice among Texans.

It’s the plan most people turn to when they want the most complete coverage available to new Medicare enrollees, paying nearly all of the out-of-pocket costs that Original Medicare leaves behind.

Aetna has long been a trusted name in the Medicare Supplement market, backed by the financial strength and stability of CVS Health. With decades of experience and a strong national footprint, Aetna continues to be a reliable option for seniors in Texas who want predictable coverage and a company with staying power.

That said, Texas is one of the most competitive Medigap markets in the country, and Mutual of Omaha has been especially aggressive on pricing in 2025. While Aetna brings brand recognition, solid rate history, and member tools to the table, Mutual of Omaha often undercuts them on premium.

In this guide, we’ll break down what Aetna’s Plan G covers, how much it costs in Texas, what discounts are available, and how it stacks up against other carriers - especially Mutual of Omaha - so you can make a confident and informed decision.

What Is Aetna Medicare Supplement Plan G?

Aetna Medicare Supplement Plan G is one of the most popular choices for Texans enrolling in Medigap coverage because it offers a strong balance of comprehensive protection and predictable costs.

Plan G fills in nearly all of the coverage gaps left by Original Medicare.

It pays for:

• Part A hospital deductible and coinsurance
  
• Skilled nursing facility coinsurance
  
• Part B coinsurance (the 20% Medicare doesn’t cover)
  
• Part A hospice care
  
• Foreign travel emergency coverage (up to plan limits)
  
• Part B excess charges
  

The only expense not covered by Plan G is the Medicare Part B annual deductible, which beneficiaries must pay out of pocket each year.

Plan G = Standardized Benefits

Like all Medigap plans, Plan G is federally standardized, which means that the benefits are identical no matter which insurance company offers the policy.

The difference lies in pricing, rate history, discounts, and customer service.

Nationwide Access, No Networks

One of the biggest advantages of Aetna’s Plan G is that it has no network restrictions. You can see any doctor, specialist, or hospital in the country as long as they accept Medicare.

There are no HMO or PPO rules, no referrals, and no prior authorizations.

This is particularly valuable for Texans who travel frequently, split time in different states, or want the peace of mind that their plan will follow them wherever they go.

Peace of Mind for Texans

For many retirees in Texas, Aetna Plan G delivers a sense of security that’s hard to match.

With predictable costs and comprehensive coverage, you don’t have to worry about sudden changes in benefits, surprise medical bills, or limited access to providers.

It’s a plan designed to give you stability and peace of mind, especially in a market where Medicare Advantage plans may change year to year.

Pros and Cons of Aetna Plan G in Texas

When looking at Aetna Medicare Supplement Plan G, it’s important to weigh the strengths that make it attractive against the areas where it might fall short compared to other carriers in Texas, especially competitors like Mutual of Omaha.

Pros of Aetna Plan G

• Nationwide Access: Like all Medigap plans, Aetna Plan G allows you to see any doctor or hospital across the U.S. that accepts Medicare - no networks or referrals required.
  
• Stable Coverage: Your benefits are federally standardized and guaranteed renewable. Your plan cannot be canceled as long as you pay your premium.
  
• Household Discounts: Aetna offers household discounts in many Texas counties, which can help reduce monthly premiums for couples or individuals living with another Medicare enrollee.
  
• Backed by CVS Health: With Aetna operating under the CVS Health umbrella, policyholders benefit from the financial stability and trusted reputation of one of the largest health organizations in the country.
  

Cons of Aetna Plan G

• Pricing: In many Texas ZIP codes, Aetna’s Plan G premiums are higher than Mutual of Omaha’s, making them less competitive for cost-conscious shoppers.
  
• Smaller Discounts: While Aetna does offer household discounts, they’re not as generous as those from some competitors, such as Mutual of Omaha, which can make a difference over the long run.
  

Why Choose Aetna Plan G in Texas?

When you choose Aetna Medicare Supplement Plan G in Texas, you’re not just getting a standardized Medigap policy - you’re choosing a carrier that brings extra value through service, stability, and member benefits.

Here’s what sets Aetna apart.

#1. Trusted Experience in the Medigap Market

Aetna has been in the Medicare Supplement market for decades and is now backed by CVS Health, one of the largest healthcare organizations in the country.

That kind of longevity gives Texans confidence that their plan will still be around years from now, unlike some newer carriers that enter the market with low rates and then exit just a few years later.

#2. Competitive Rates in Many Texas ZIP Codes

While Mutual of Omaha often edges Aetna on price, Aetna still comes in very competitive across many Texas regions, particularly for older age brackets.

For some Texans, Aetna is among the top three lowest-priced options depending on their county, age, and household discount eligibility.

#3. Strong Claims Handling and Customer Service

Aetna has earned a reputation for efficient claims processing and responsive member support.

Policyholders typically find that their claims are paid quickly and without hassle - something that becomes more valuable the longer you stay on Medicare.

#4. Digital Tools and Member Resources

One advantage Aetna brings is its investment in digital support.

Members have access to easy-to-use online portals and mobile tools for managing claims, reviewing benefits, and finding information quickly.

For Texans who want convenience, this is a big plus compared to more traditional carriers.

#5. Discounts and Extras

Aetna offers household discounts in many parts of Texas - generally around 7% - which can make a meaningful difference for couples or two Medicare beneficiaries living in the same household.

Additionally, many Aetna Medigap plans come with added perks like vision and hearing discounts, wellness programs, and member support lines.

Bottom Line

In short, Aetna Plan G in Texas offers a mix of stability, service, and solid value.

It may not always be the cheapest option in every ZIP code, but for those who want the backing of a nationally recognized brand with good member benefits and digital tools, Aetna remains a strong contender.

How Much Does Aetna Plan G Cost in Texas?

When evaluating Aetna’s Medicare Supplement Plan G in Texas, one of the first things to understand is that Aetna is generally on the more expensive side compared to other carriers.

For example, in Austin (ZIP 78701), a 65-year-old male nonsmoker can expect to pay around $200 per month for Plan G.

That places Aetna above lower-priced competitors like Mutual of Omaha, which frequently comes in cheaper in the same ZIP codes.

Why Price Matters When Plans Are Standardized

It’s important to remember that Medigap plans are standardized by the federal government.

This means that Plan G from Aetna offers the exact same core benefits as Plan G from Mutual of Omaha, Cigna, or any other carrier.

Coverage doesn’t change - only the monthly premium, discounts, and company service differ.

Because the benefits are identical, paying more for Plan G with one carrier doesn’t buy you additional medical coverage.

That’s why price is such a critical factor in choosing a Medigap plan: if two companies offer the same benefits, the lower-priced option is usually the smarter long-term decision.

Household Discounts Can Help

Aetna does offer a way to reduce the cost through its household discount.

In Texas, this discount typically lowers your premium by about 7% if you live with another Medicare-eligible adult. The eligibility rules and exact percentage can vary by state, so it’s always worth confirming with Aetna for your ZIP code.

While the discount helps, it often isn’t enough to offset the fact that Aetna’s base premium is higher than some competitors in many Texas markets.

Key Takeaway

Aetna brings reliability, strong service, and CVS Health’s backing, but if cost is your top priority, they may not always be the best value for Plan G in Texas.

Since all Plan Gs cover the same benefits, it pays to run side-by-side comparisons in your specific ZIP code - especially against carriers like Mutual of Omaha, which currently tend to offer lower rates across much of the state.

Aetna vs. Mutual of Omaha and Cigna in Texas

When comparing Plan G premiums in Texas, the numbers tell a clear story.

Using Austin (ZIP 78701) as an example for a 65-year-old male, nonsmoker, here’s how the carriers stack up based on 2025 rates:

In a nutshell: If your top priority is cost, Cigna is usually the winner, followed by Mutual of Omaha.

But if you’re looking for a balance of brand trust, rate stability, and member benefits, Aetna can still make sense - though it requires weighing whether the higher premium is worth it given that Medigap benefits are standardized.

Plan G vs. Plan N vs. High-Deductible Plan G in Texas

When looking at Medicare Supplement options in Texas, three plans stand out above the rest: Plan G, Plan N, and High-Deductible Plan G (HDG).

Each one fills the same gaps in Medicare to varying degrees but comes with different cost structures and trade-offs.

Here’s how they compare.

Plan G: Most Comprehensive Choice

Plan G is the most popular Medigap plan in Texas because it offers the broadest coverage available to new enrollees.

It pays for nearly everything Medicare doesn’t cover, except for the annual Part B deductible.

• Pros: Predictable costs, minimal out-of-pocket expenses, works well for people who want strong peace of mind.
  
• Cons: Higher monthly premium compared to other options.

Plan N: Budget-Friendly Alternative

Plan N covers many of the same gaps as Plan G but with a few key differences.

You’ll pay small copays for doctor and ER visits ($20 for office visits, $50 for ER if not admitted), and Part B excess charges are not covered (though these are rare in Texas).

• Pros: Lower monthly premiums than Plan G, solid coverage for most routine needs, attractive for people in good health.
  
• Cons: Copays can add up, and no protection against Part B excess charges if you see a provider who bills them.

High-Deductible Plan G: Low-Premium Option

High-Deductible Plan G (HDG) is gaining popularity in Texas, particularly among budget-conscious retirees.

It offers the exact same benefits as Plan G, but only after you’ve met a high annual deductible ($2,870 in 2025).

• Pros: Monthly premiums are often less than half of standard Plan G, making it the cheapest way to secure comprehensive protection after the deductible is met.
  
• Cons: You’re responsible for paying out-of-pocket until you meet the deductible, which could be a challenge if you have unexpected healthcare needs.

Which One Should Texans Choose?

If you want maximum coverage and predictability, Plan G is the top choice.

If you’re in good health and want to save on premiums, Plan N is a practical option.

High-Deductible Plan G is worth serious consideration if your priority is the lowest monthly cost with protection against big bills after a deductible.

Enrollment in Aetna Plan G in Texas

If you’re thinking about enrolling in Aetna’s Medicare Supplement Plan G in Texas, the timing of your application makes a big difference in how simple the process will be.

To be eligible, you need to be enrolled in both Medicare Part A and Part B and live in a state where Aetna offers Medigap coverage, which includes Texas.

The best time to apply is during your six-month Medigap Open Enrollment Period, which begins when you’re at least 65 and have Part B in place.

During this window, you cannot be denied coverage or charged a higher premium due to your health. This is the ideal time to get into Plan G because you lock in your acceptance without medical questions or underwriting.

Outside of this initial period, applying gets trickier. If you try to enroll later, Aetna will generally require medical underwriting, which means they can review your health history, ask medical questions, and either approve, decline, or rate you based on your conditions. 

However, there are exceptions known as Guaranteed Issue Rights. For example, if you lose your Medicare Advantage coverage because a carrier exits your area or you move out of the plan’s service region, you’ll have the right to enroll in a Medigap plan like Aetna’s Plan G without medical underwriting.

To take advantage of this, you usually need to provide proof that your Advantage plan ended, such as a termination notice.

For Texans, this means that while the initial six-month enrollment period offers the smoothest path to coverage, there are still protections in place if one's circumstances change later on.

The key is knowing your rights and acting quickly when those windows open.

In every case, Aetna’s Plan G offers the same standardized benefits as competitors, but whether or not you can get in without health questions depends entirely on when you apply.

Is Aetna Plan G in Texas Right for You?

For many Texans, the choice between Medicare Supplement carriers ultimately comes down to price.

Because Plan G benefits are standardized by law, every Plan G covers the same costs, no matter which company you choose.

That’s why premiums become the deciding factor - paying more each month for the same benefits rarely makes financial sense.

Looking at the Texas market, Aetna offers strong stability, dependable claims handling, and the backing of CVS Health. These are all positives, and for some people, the added reassurance may justify a slightly higher price.

But when we look at the numbers, Aetna is often not the most affordable option. Carriers like Cigna and Mutual of Omaha frequently undercut Aetna’s premiums, with Cigna usually coming in cheapest across many ZIP codes.

While Aetna does offer a 7% household discount in Texas, which can help couples save a bit each month, the discount isn’t enough to consistently make them the most cost-effective choice.

If you’re budget-conscious, it’s worth remembering that a lower-priced Plan G with the same standardized benefits will perform just as well as a higher-priced one.

From our perspective as agents, we usually recommend going with the cheaper plan when the benefits are identical. If Mutual of Omaha or Cigna is significantly less expensive in your area, that’s typically the smarter long-term choice.

That said, if you value the strength of a national brand like Aetna and are willing to pay a little extra for that confidence, Aetna Plan G can still be a solid option.

Next Steps

If you’re considering Aetna Medicare Supplement Plan G - or weighing it against competitors like Mutual of Omaha and Cigna - the most important step is to see how the numbers look in your exact ZIP code.

Texas is a large and competitive Medigap market, and premiums can vary widely from county to county, even within the same city.

Because Plan G benefits are federally standardized, you’re not getting extra medical coverage by paying more with one company over another.

That’s why it’s critical to run a side-by-side quote comparison that shows what Aetna, Mutual of Omaha, Cigna, and other top carriers are charging in your area.

This is where we can step in and guide you. Our licensed Medicare agents work directly with you to make the process simple.

Here's how we can help:

• Compare ZIP-specific rates from multiple carriers to find the best value.
• Show you how household discounts apply and what they actually save you each month.
  
• Review each company’s rate increase history to ensure you’re not just picking a low first-year price but a carrier with proven stability.
  
• Guide you through your enrollment timeline - whether it’s your Medigap Open Enrollment Period or a Guaranteed Issue window if your Advantage plan is being dropped - so you don’t miss your opportunity for guaranteed acceptance.
  

We’ve helped Texans make this exact decision, and we know how to strip away the confusion so you can clearly see your best options.