Aetna vs. Humana Medicare Supplement Plans in Texas
If you’re comparing Medicare Supplement (Medigap) plans in Texas, two names you’ll see over and over again are Aetna and Humana.
Both are long-standing, nationally trusted insurers with strong footprints across Texas - and both offer the plans most Texans shop for today: Plan G and Plan N.
Humana also offers the third most popular Medigap option - High-Deductible Plan G.
On paper, these Medigap plans work the same no matter which company you choose. Aetna’s Plan G covers the exact same Medicare costs as Humana’s Plan G.
Same with Plan N - because Medigap benefits are standardized by the federal government.
So where do the differences actually show up?
Right where it matters most - your monthly premium, your available discounts, and the perks each company adds on top of the basic coverage.
Here’s the quick snapshot:
- Aetna is known for simple plan management, and predictable, no-surprises coverage. Texans who want a stable long-term Medigap partner often gravitate here.
- Humana shines with wellness perks (like SilverSneakers), user-friendly digital tools, and competitive pricing in many Texas ZIP codes. If you like added benefits and modern conveniences, Humana tends to stand out.
Aetna Medicare Supplement Overview
Aetna is one of the most respected names in the Medicare Supplement (Medigap) world - not just nationwide, but right here in Texas.
With more than a century in the healthcare industry, Aetna has built its Medigap offerings around what Texas retirees tend to value most: stability, predictability, and straightforward coverage that just works.
Plan Options
Aetna offers the two most popular Medigap plans available across nearly all Texas counties:
- Plan G - The most comprehensive option for today’s Medicare beneficiaries. It covers almost every cost that Original Medicare leaves behind, except the small Part B deductible. Predictable, simple, and worry-free.
- Plan N - A lower-cost alternative to Plan G for those comfortable with small copays (up to $20 for doctor visits, up to $50 for ER). A great balance between monthly savings and strong coverage.
As with all Medigap policies, Aetna’s plans come with no networks, no referrals, and no in-network surprises - if a doctor accepts Medicare, they accept Aetna Medigap.
Where Aetna Stands Out
Aetna’s real strength lies in its consistency and straightforward approach. It may not always be the absolute lowest premium, but it shines in the areas that matter long-term: reliability and member support.
Members often highlight:
- Household Discounts - Available in many Texas ZIP codes, typically giving savings of around 7–10% when two Medicare-eligible adults live together.
- Strong Digital Experience - Easy-to-use online portals and mobile tools allow you to check claims, manage payments, and update your policy with minimal hassle.
- Dependable Claims Processing - Aetna has long been praised for clear communication and prompt handling of claims, reducing stress when you actually need care.
- Broad Availability Across Texas - Whether you live in Houston, Dallas, Amarillo, or the Hill Country, Aetna’s Medigap plans are widely accessible.
Our Take
If you want a Medicare Supplement plan that emphasizes stability and peace of mind over bells and whistles, Aetna is a standout choice. Their rates are generally competitive and their customer experience is clean and uncomplicated.
In short: Aetna is ideal for Texans who want consistent, no-nonsense Medigap coverage they can rely on year after year.
Humana Medicare Supplement Overview
Humana has become one of the most recognizable names in the Medicare Supplement (Medigap) market, both here in Texas and across the country.
With decades of experience and a strong commitment to member wellness, Humana has built its Medigap offerings around three qualities Texans consistently appreciate: value, convenience, and modern member support.
Plan Options
Humana offers the same three core Medigap plans that most retirees gravitate toward:
- Plan G - The most comprehensive option for new Medicare enrollees, covering nearly all remaining costs after Medicare pays its share (except the small Part B deductible).
- Plan N - A lower-premium alternative that includes small copays for office and ER visits. It’s a great fit for those who want solid coverage without paying Plan G prices.
- High-Deductible Plan G (HDG) - Humana’s budget-friendly option in many Texas ZIP codes. It provides the same benefits as Plan G once you meet the annual deductible, but at a significantly reduced monthly premium.
Like all Medigap plans, Humana’s policies come with no networks, no referrals, and no surprise bills from out-of-network doctors - if a provider accepts Medicare, they accept your Humana Medigap plan.
Where Humana Stands Out
Humana’s biggest strengths show up in the perks and digital tools they bundle with their Medigap coverage.
While premiums can vary by ZIP code, Humana tends to be competitive in many parts of Texas and brings additional value through wellness programs that most carriers simply don’t offer.
Members often highlight:
- Go365 Rewards Program - Earn rewards for completing health activities, tracking steps, and participating in wellness challenges.
- 24/7 Nurse Advice Line - Speak with a registered nurse anytime for questions or general medical guidance.
- Robust Digital Tools - Humana’s mobile app and member portal make it easy to view claims, manage billing, track benefits, and connect with support.
- Provider Recognition - Humana is well-known among Texas doctors and hospitals, which can reduce paperwork headaches and claim confusion.
Our Take
If you want a Medicare Supplement plan that goes beyond basic medical coverage - offering gym access, digital conveniences, and wellness extras - Humana is hard to beat.
Their pricing is often competitive, especially for Plan N and HDG in metro areas, and the member perks add real everyday value.
In short: Humana is ideal for Texans who want good pricing, modern wellness benefits, and a strong digital experience woven into their Medigap coverage.
How Aetna and Humana Are Actually Different
On paper, Aetna and Humana offer the exact same Medigap benefits - Plan G is Plan G, no matter which logo is on the card.
But in the real world, these two companies feel very different once you start comparing how they price their plans and what they offer on the side.
Here’s the practical, day-to-day difference between the two.
#1. Monthly Premiums Vary by ZIP Code
This is usually where most people notice the first real gap. In many Texas ZIP codes, Humana often starts out slightly cheaper, especially for Plan N.
But depending on the area, Aetna can be just as competitive - and sometimes even lower for new enrollees.
If you're shopping purely on price, it’s worth running both quotes side by side. One can be $10–$20 cheaper depending on your county.
#2. Perks and Wellness Benefits
This is Humana’s big differentiator.
- Humana: Offers SilverSneakers, Go365, 24/7 nurse lines, and wellness tools that many retirees enjoy.
- Aetna: Keeps things simple - no major perk programs, just straightforward Medigap coverage.
If you like gym benefits or wellness extras, Humana may feel like the “better deal,” even if the premium is a few dollars more.
#3. Customer Support and Member Experience
Both companies are solid, but with different styles:
- Aetna: Clean digital tools, simple online management, and predictable service.
- Humana: Strong call-center support and more robust digital health features.
Both deliver well - it really comes down to whether you prefer simple and streamlined (Aetna) or feature-rich (Humana).
Bottom Line: Aetna and Humana are both dependable Medigap carriers in Texas.
The main difference? Aetna leans toward simplicity, while Humana brings more perks and wellness value to the table.
What Medigap Plans Do They Offer?
When you stack Aetna and Humana side-by-side, the biggest thing to know is this: they both offer the two Medicare Supplement plans most Texans choose today - Plan G and Plan N.
These plans dominate the Medigap market because they strike the best balance between coverage, flexibility, and cost.
Plan G: The top choice for new Medicare enrollees. Almost everything is covered except the small Part B deductible. If you want the most predictable, no-surprise coverage, this is it.
Plan N: A step down in price with a few small copays. Perfect for retirees who are generally healthy and want to save on monthly premiums without sacrificing major protection.
High-Deductible Plan G (HDG): Offered by Humana, but Aetna does not offer HDG. HDG provides the same benefits as Plan G but with a higher annual deductible in exchange for a much lower monthly cost - a great fit for budget-minded Texans who rarely visit the doctor.
Why These Three Plans Matter Most
While Aetna and Humana may offer other plan letters in certain ZIP codes, Plan G, Plan N, and HDG make up the vast majority of Medigap enrollments in Texas.
They’re the most practical and the easiest to compare across carriers. And remember - the benefits are identical no matter which company you choose.
Your real differences come down to:
- Monthly premiums
- Discounts
- Customer experience and perks
What Texans Usually Choose
When you help as many Medicare beneficiaries as we do, you start noticing clear patterns in how Texans choose their Medigap plans.
And the good news is - the statewide enrollment statistics line up almost perfectly with what we see every day.
Instead of guessing or relying on carrier-specific numbers we can’t verify, we’re sticking to actual Medigap enrollment data and the real-world choices Texans make when they compare Plan G and Plan N.
Plan G: The Clear #1 Choice in Texas
According to the latest AHIP Medigap Enrollment Report, Plan G makes up roughly 54% of all Medigap enrollments in Texas - by far the most popular plan in the state.
And honestly, that doesn’t surprise us.
Texans choose Plan G because:
- It eliminates nearly every out-of-pocket cost
- You only pay the small Part B deductible
- There’s no coinsurance and no surprise bills
- It's the closest thing to “full coverage” that Medicare allows
For retirees who want peace of mind - especially those managing chronic conditions - Plan G is the obvious pick, and the enrollment numbers prove it.
Plan N: Growing Fast (Especially in Metro ZIP Codes)
Plan N currently accounts for about 8% of Medigap enrollments in Texas, but it’s also one of the fastest-growing options - especially in big cities like:
- Dallas
- Austin
- San Antonio
- Houston
Why the surge?
Plan N offers:
- Lower monthly premiums
- Small, predictable copays ($20 for doctor visits, $50 for ER)
- Great value for healthy retirees who rarely see the doctor
We see more Plan N shoppers every single year - and they’re usually active, budget-conscious retirees who want coverage but don’t feel the need to pay extra for benefits they won’t use.
Feature Comparison: Plan G vs. Plan N
When you’re deciding between Plan G and Plan N, it really comes down to how much you want to pay each month versus how much you want to pay when you actually use care.
Plan G is the “set it and forget it” option. Once you meet the small Medicare Part B deductible, nearly every Medicare-approved service is covered at 100%.
No copays, no surprise bills, no stress.
Plan N lowers the monthly premium but adds a little cost-sharing. You’ll pay small copays for office visits (up to $20) and ER visits (up to $50 if you’re not admitted), and it doesn’t cover Part B excess charges - something most Texas doctors don’t bill anyway.
Both plans let you see any doctor or hospital in the U.S. that accepts Medicare, so it really comes down to your comfort level with copays and premiums.
Plan G vs. Plan N: Simple Feature Breakdown
Plan G Premium Comparison in Texas
To give you a clear picture of how Aetna and Humana stack up on price, we pulled actual Texas Plan G premiums directly from the state Medigap rate filings for a 65-year-old, non-tobacco user.
Who Typically Wins on Price?
Humana = almost always the lower monthly premium.
Aetna = priced higher but still competitive among national brands
Takeaway: If you're comparing purely on cost, Humana will likely come out ahead - but both companies offer the exact same Plan G benefits, so it always pays to check your specific ZIP code before making a decision.
Plan N Premium Comparison in Texas
When it comes to Medicare Supplement Plan N, both Aetna and Humana are solid contenders in Texas - though the numbers show a clear trend.
Based on the Texas Plan N rate filings and publicly listed premiums, here’s what we found.
These are base rates before any household discounts.
Premium Analysis
Humana tends to be the more affordable Plan N option across many Texas ZIP codes, often by a margin of $25–$35 per month. It's a strong pick for retirees who want lower premiums and don’t mind the small copays the Plan N structure requires.
Aetna, on the other hand, typically sits in the mid-range, offering a predictable, steady experience for those who prefer a more established Medigap brand - even if the price is a bit higher.
Summary: If cost is your top priority, Humana usually has the edge on Plan N in Texas. But if you prefer a carrier known for consistency, customer service, and a straightforward plan experience, Aetna is still a strong fit.
High-Deductible Plan G (HDG) Comparison
If you’re looking for the lowest possible monthly premium with full Medicare Supplement protection after the deductible is met, High-Deductible Plan G is often the go-to option for Texas retirees.
It’s simple, affordable, and ideal for people who rarely visit the doctor but still want great coverage when they need it.
Here’s how Aetna and Humana compare:
Who Has the Better HDG Value?
Aetna does not offer HDG in Texas.
Humana brings more perks, but you pay a little more for them.
If your goal is the lowest monthly premium with full national Medicare access, Humana would be a strong HDG pick.
Discounts, Perks and Member Experience
Aetna
Household Discounts
Aetna offers a household discount when two Medicare-eligible adults live at the same address and both enroll in Aetna Medigap coverage.
It’s not available everywhere, but when it is, it can shave a nice amount off your monthly premium.
Digital Tools and Member Portal
Aetna keeps things simple. Their online portal and mobile app make it easy to check claims, pay premiums, and manage your coverage without needing to call in for every little thing.
Extra Savings Programs
While Aetna isn’t heavy on “extra perks,” they do offer access to discounts on fitness services, vision products, hearing aids, and other health-related items. Nothing flashy - but still useful.
Our Take: Aetna is built for people who appreciate a clean, no-nonsense experience. If you want predictable coverage without a pile of extras you may or may not use, Aetna aligns perfectly.
Humana
Wellness and Fitness Programs
Humana is one of the few Medigap carriers that really leans into wellness.
Many Humana plans include access to SilverSneakers, as well as their Go365 rewards program, giving members gym access, wellness activities, and healthy-living incentives.
24/7 Nurse Hotline and Digital Tools
If you like having a nurse on call after hours - or you appreciate a modern, polished app - Humana checks both boxes.
Their digital experience is one of the stronger ones among Medigap carriers.
Lifestyle Perks and Extra Support
With Humana, the value goes beyond just medical bills. Members often enjoy additional wellness resources, activity tracking, and plan management tools that make the experience feel more “full service.”
Our Take: Humana is great for Texans who want more than just basic Medicare Supplement coverage. If you enjoy fitness perks, wellness programs, and a robust digital experience, Humana brings a lot to the table.
Which Company Is Right for You?
When you’re choosing between Aetna and Humana, the truth is both carriers offer solid Medicare Supplement options - but the best choice often comes down to something surprisingly simple: who can give you the best value for the same plan letter.
Because Medigap benefits are standardized, a Plan G from Aetna covers the exact same things as a Plan G from Humana.
Choose Aetna if you want:
- Moderate premiums
- Simple, no-frills Medigap coverage
- A traditional, dependable carrier with consistent member satisfaction
Aetna is a great pick for Texans who want coverage that “just works” without extra bells and whistles - and if Aetna happens to be the cheaper option in your ZIP code, that’s usually all you need to know.
Choose Humana if you want:
- Wellness perks like SilverSneakers and Go365
- Competitive pricing in certain ZIP codes (Humana can actually be the lower-cost option depending on where you live)
- A modern member experience, complete with digital tools and 24/7 nurse support
Humana is ideal if you like the idea of extra perks and the premium is still competitive for your area.
Policy Guide Takeaway
If you can get the same exact Medigap benefits for a lower monthly price, that’s usually the smartest move - no matter which company’s name is on the card.
Aetna gives you stability. Humana gives you perks.
Pick the one that offers the lowest premium for the plan you want - and fits your comfort level with service and extras.
How to Compare Aetna and Humana Rates in Texas
If you’re trying to decide between Aetna and Humana, here’s a clear way to walk through it - no guesswork, just solid steps.
#1. Start with your ZIP code. Texas is huge, and Medigap pricing varies significantly by county. Always check the rates available in your specific ZIP code first.
#2. Compare the same plan letters side by side. Look at Plan G, Plan N, and High-Deductible Plan G (HDG) from both carriers.
Because benefits are identical for each plan letter, your comparison comes down entirely to price and service.
#3. Review discounts and renewal patterns. Check if each carrier offers household discounts or other savings.
Also ask about renewal trends - how often and by how much premiums have increased. Even though we aren’t focusing on renewal history, knowing the pattern may help your decision.
#4. Consider how you use healthcare:
- Do you visit doctors often? Then a Plan G might fit best.
- Prefer lower premiums and are healthy? Plan N could be a smart choice.
- Rarely use care and want the lowest monthly premium? Then HDG deserves a look.
#5. Pick the plan that balances cost and predictability. If two carriers cover the same plan letter, go with the one offering the lower premium - unless you’re specifically after perks or services that matter to you (in which case the slightly higher cost might be worth it).
We're Happy to Help
At Policy Guide, we make this easier.
Our licensed agents compare personalized rate quotes from both Aetna and Humana (and other carriers too) in your ZIP code - so you can see exact numbers, discount eligibility, and make an informed choice.
Final Thoughts
Aetna and Humana are both strong, reputable choices for Medicare Supplement coverage in Texas - but they serve slightly different priorities.
Aetna is the steady hand. If you want moderate premiums, a simple user experience, and dependable long-term value, Aetna checks all the boxes.
It’s a great fit for Texans who prefer a traditional, no-nonsense Medigap plan without the extra bells and whistles.
Humana, on the other hand, appeals to retirees who like added perks. With wellness programs, gym benefits, and strong digital tools, Humana offers a more modern experience - and in many ZIP codes, very competitive pricing.
If you value lifestyle extras and an app-driven approach to healthcare, Humana may feel like the better match.
No matter which direction you lean, one rule always holds true: don’t overpay for identical benefits. Since Medicare Supplement plans are standardized, the smartest choice is often the carrier offering the lowest premium for the plan letter you want.
FAQs
Yes - for any given plan letter (like Plan G or Plan N), the medical benefits are identical. Medicare standardizes Medigap plans, so the real differences come down to monthly premiums, discounts, rate trends, and member perks.
Based on the Texas rate guide, Humana often enters the market with lower starting premiums, especially in metro ZIP codes. However, Aetna can occasionally be cheaper in certain rural areas - which is why checking your specific ZIP code is essential.
Aetna does offer household discounts in many Texas ZIP codes. Humana’s Medigap household discounts vary more by region and plan type, so availability depends on your county.
Yes. Both companies’ Medicare Supplement plans allow you to see any doctor or hospital in the U.S. that accepts Medicare - no referrals, no networks, no provider restrictions.
Medigap premiums go up mainly because healthcare costs rise each year. Insurers also adjust rates based on your plan’s pricing method (like age-based plans that increase as you get older) and how much the plan pays out in claims. As costs and usage go up, premiums follow.
With nearly 15 years of experience in the insurance industry, Matt Kiggins is the Senior Editor at Texas Insurance Guide and a seasoned Health & Life Agent licensed in multiple states, including Texas (#1585860). He is also the co-founder of Policy Guide, a respected insurance agency based in Pensacola, FL. Matt has built his career on one simple principle: people deserve clear, honest guidance when making some of life’s most important healthcare decisions.
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