Best Medicare Supplement Plan G Companies in Texas
When it comes to Medicare Supplement insurance, Plan G is one of the most popular choices. It covers nearly all the gaps in Original Medicare, with predictable costs and no surprises at the doctor’s office.
But choosing the right company for your Plan G coverage in Texas? That’s where things can get a little tricky.
We’ve helped thousands of Texans compare their options over the years, and we’ve seen which companies consistently deliver strong service, fair pricing, and rate stability - and which ones fall short.
Below, we’re sharing our top Plan G picks for Texas based on firsthand experience, client satisfaction, and how well each company supports its policyholders over time.
Our Top Picks for Plan G in Texas (2025)
When helping Texans choose a Medicare Supplement Plan G, we focus on more than just price - we also consider customer service, rate stability, doctor acceptance, and local support.
These four carriers consistently stand out in the Texas market:
#1. Blue Cross Blue Shield of Texas – Known for strong local support, wide doctor acceptance, and a reputation Texans trust.
#2. UnitedHealthcare – Offers great value with competitive pricing for new enrollees and has the largest enrollment share in Texas and nationwide.
#3. Humana – A strong all-around option with some of the cheapest pricing between the top companies, wellness extras, and stable premiums.
#4. Cigna – Frequently one of the most affordable options, especially for healthy individuals aging into Medicare.
Each of these companies offers something slightly different - and which one’s right for you will depend on your location, budget, and health needs.
Let’s take a closer look at what each one brings to the table.
Blue Cross Blue Shield of Texas
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Premiums
The estimated monthly premium for a 65-year-old nonsmoker is $175.24, but rates vary by county and underwriting class.
In Dallas County, for example, a 65-year-old female nonsmoker would pay about $160/month for Plan G, which positions Blue Cross Blue Shield of Texas in the mid-to-upper pricing tier compared to major competitors like Cigna ($145), UnitedHealthcare ($146), and Mutual of Omaha ($138).
High Deductible Plan G Option
Blue Cross Blue Shield of Texas also offers High Deductible Plan G (HDG) in many parts of Texas. Rates typically fall between $40 and $70 per month, depending on your ZIP code and age.
HDG can be an excellent fit for healthy individuals who want lower monthly premiums and are comfortable taking on more upfront costs before benefits begin.
Extra Perks
Blue Cross Blue Shield of Texas goes beyond the basics with several add-on benefits that aren’t always available with other carriers:
- Access to the Blue365 fitness discount program, offering savings on gyms, fitness classes, and wellness tools
- 24/7 nurse advice line - talk to a medical professional any time, day or night
- Optional dental, vision, and hearing coverage - available to purchase alongside your Medigap plan
- Two in-house Part D prescription drug plan options, eliminating the need to pair your supplement with a separate insurer
Discounts
Blue Cross Blue Shield of Texas offers some of the most stackable premium discounts we’ve seen:
- 10% household discount for spouses or domestic partners living at the same address
- 7% “Continuing with Blue” discount for individuals who transition from a Blue Cross Blue Shield of Texas group or individual plan
- 12% Blue Family Discount - for those who qualify for both of the above, combining the two for deeper savings
Blue Cross Blue Shield of Texas Pros:
- “You know the name, and so does your doctor.” With over 18% of the Texas market, Blue Cross Blue Shield of Texas is one of the most widely accepted Medigap providers. Doctors, billing staff, and hospitals are familiar with their systems, making claim issues rare.
- Strong local support. Their customer service is Texas-based and understands state-specific Medicare rules. When clients call, they’re usually talking to someone who truly knows the area.
- Extra perks are a real bonus. The fitness program, nurse hotline, and bundled dental/vision add-ons help round out your coverage, especially if you're used to these services through employer plans.
- Rate stability is decent historically. Average rate increases were just 3–5% pre-pandemic, although recent years have seen some bumps. Still, we expect stabilization ahead.
Blue Cross Blue Shield of Texas Cons:
- “It’s not the cheapest - and it’s not trying to be.” If your goal is purely to pay the lowest premium possible, Blue Cross Blue Shield of Texas
- Rate increases have been steep recently. In 2024, increases ranged 7% to 19%, due to pandemic-related care spikes. That trend is expected to cool, but it’s something to watch.
- Discounts are great - if you qualify. Without a spouse or prior BCBS plan, you may be paying full sticker price while others get 7–12% shaved off.
Our Opinion
Blue Cross Blue Shield of Texas is one of the most trusted names in the state for a reason.
If you’re the type who values brand recognition, in-state support, and knowing your doctor will accept your plan without a hassle, they’re an excellent choice.
While not the cheapest, they deliver a well-rounded package with strong perks, good discount potential, and a long track record of customer satisfaction in Texas.
Best for: Texans who value broad provider access, solid customer service, and a stable company with strong local roots.
Not ideal for: Shoppers who only care about the lowest price or don’t qualify for premium discounts.
UnitedHealthcare
Premiums
The average monthly premium for a 65-year-old nonsmoker in Texas generally falls between $190–$210, depending on your ZIP code and health underwriting.
Some introductory premiums are lower - starting around $165.94/month in certain areas like ZIP 77070 - but tend to rise over time. This makes UnitedHealthcare more of a “brand-first” choice than a budget-first one.
High Deductible G Option
UnitedHealthcare offers a High Deductible Plan G version as well, with premiums typically between $50 and $65/month. It's available in most Texas counties and is best suited for healthy individuals comfortable with upfront costs in exchange for lower monthly payments.
Extra Perks
Where UnitedHealthcare shines is in its extensive package of member extras, including:
- Renew Active® fitness program - includes free gym memberships, personal fitness plans, and wellness classes
- Hearing benefits - including a $200 discount per pair on name-brand hearing aids and free consultations from UnitedHealthcare’s national provider network
- Vision discounts - $50 off frames at LensCrafters plus member pricing on lenses
- Dental discount program - 30 to 40% savings on cleanings, exams, and procedures through Dentegra’s dental network
- Add-on Part D drug plans - low copays, stable insulin pricing ($35/month), and $0 Tier 1 drugs with home delivery from OptumRx
These are not insurance benefits, but they do offer real savings and convenience for seniors who want an all-in-one package.
UHC Pros:
- “It’s the most popular for a reason.” UnitedHealthcare has the largest Medigap enrollment in Texas and nationwide - and with size comes reliability. Claims are processed quickly, support is standardized, and coverage is broadly accepted.
- Excellent member benefits. The wellness perks go well beyond what most Medigap providers offer. Many of our clients find these extras - especially Renew Active - to be a deciding factor.
- Trusted branding. For people already familiar with UHC’s offerings, the endorsement adds an extra layer of comfort and familiarity. It feels like a natural transition from employer or ACA coverage.
UHC Cons:
- “You’re paying for the name - and the perks.” Compared to Cigna or Mutual of Omaha, UnitedHealthcare can be pricier in the long run. Those discounts don’t always offset the higher monthly premium over time.
- AARP membership required. It’s not a huge barrier - $20/year - but it’s an extra step, and not everyone wants to join another organization just to access their Medigap plan.
- Rate increases may trend higher. Though stable overall, we've seen some regional pricing adjustments that push premiums up faster than with some smaller competitors.
Our Opinion
UnitedHealthcare is a premium choice - and for many people, that’s exactly what they want.
Between the trusted branding, national recognition, solid claims performance, and loaded wellness extras, it’s a plan that feels familiar and “complete.”
Best for: People who value dependable support, wellness extras, and want to stick with a big, stable brand.
Not ideal for: Budget-conscious shoppers or those looking for the absolute lowest premium in their ZIP code.
Humana
Premiums
The estimated monthly cost for a 65-year-old nonsmoker is $155.
This puts Humana squarely in the most competitive pricing tier among major carriers in Texas. Many ZIP codes show similar or slightly better rates when household or auto-pay discounts are applied.
High Deductible G Option
Yes - premiums for High Deductible Plan G generally range from $40 to $55/month, depending on underwriting and ZIP code. It’s a strong option for healthy individuals who want full coverage but don’t mind a higher deductible in exchange for low monthly premiums.
Extra Perks
Humana doesn’t just offer low premiums - it also builds in value through well-rounded extras and customer support:
- Wellness programs and extras - including fitness benefits, nurse hotlines, hearing and vision discounts
- Streamlined claims and billing - clients often tell us their claims are processed quickly and without hassle
- Good customer service - especially in metro regions, Humana has a solid reputation for member experience and issue resolution
Discounts
Humana offers a 5% household discount when two Medicare-eligible adults live at the same address (even if they’re not spouses).
There’s also a small auto-pay discount when enrolling in automatic bank draft or credit card billing. Together, these can save $10–$15/month on average.
Humana Pros:
- “It’s the budget-friendly brand you’ve actually heard of.” Unlike newer carriers offering rock-bottom premiums and disappearing two years later, Humana gives you long-term stability with competitive pricing.
- Among the lowest Plan G premiums in Texas. At $155, Humana beats most national names and holds up well even in high-cost areas like Houston or Austin.
- Extra perks without switching to Medicare Advantage. Fitness, hearing, and vision discounts - without sacrificing the flexibility of Original Medicare coverage.
- Predictable rate increases. While no Medigap plan can avoid rate hikes entirely, Humana has a track record of avoiding major pricing spikes, especially compared to newer competitors who raise rates aggressively after year one.
Humana Cons:
- “It’s not always the first name on rural providers’ lists.” In smaller towns or less-served regions of Texas, we’ve seen some providers who are slower to bill or coordinate with Humana compared to companies like Blue Cross Blue Shield of Texas.
- Fewer extras than UnitedHealthcare. While the wellness benefits are nice, they’re not quite as extensive or deeply integrated as what UHC offers.
Our Opinion
Humana strikes one of the best value balances in Texas: low premiums, dependable service, and national brand strength - without feeling like you’re sacrificing peace of mind.
If you want a plan that fits your budget but also comes with wellness extras and reliable customer support, Humana is a smart bet.
Best for: People who want affordable, long-term Medigap coverage with a few added perks - and without gambling on a no-name carrier.
Not ideal for: Those in very rural areas where Humana may be less recognized, or anyone who wants the largest perks catalog (UHC takes that title).
Cigna
Premiums
The estimated cost for a 65-year-old nonsmoker on Cigna’s Plan G in Texas is $167/month.
Cigna is consistently one of the more affordable major carriers, especially for people just aging into Medicare or in good health. Their pricing tends to be particularly attractive in metro regions like Houston, Dallas, San Antonio, and El Paso.
High Deductible G Option
Cigna also offers a High Deductible Plan G in most Texas ZIP codes, with monthly premiums typically ranging from $45 to $60, depending on underwriting and location.
Enrollees must meet a $2,870 annual deductible before plan benefits kick in, making this version a solid fit for those who are budget-conscious but want full coverage for major events.
Extra Perks
Cigna keeps it simple but useful when it comes to member benefits:
- Optional dental and vision bundling - available as add-ons when enrolling in certain Cigna Medigap plans
- 24/7 Medicare-dedicated customer support line - for claims, billing, and benefits questions
- Online member portal - easy access to billing, ID cards, and claim tracking with a clean interface
- Foreign emergency coverage - 80% of eligible costs after a $257 deductible, with a $50,000 lifetime maximum (varies by Medigap plan)
Cigna Pros:
- “A go-to for budget-conscious folks who still want brand recognition.” Cigna hits that sweet spot where affordability meets dependability. Clients often appreciate that they’re not sacrificing service or stability just to get a lower rate.
- Often among the best prices for new enrollees. Especially for those enrolling around age 65, Cigna tends to offer very competitive first-year rates, making them a good comparison point when shopping.
- Friendly, responsive support. Their 24/7 Medicare line is a big plus for members who want help without waiting on business hours.
Cigna Cons:
- “Rates can creep up in certain counties.” While their initial pricing is strong, we’ve seen rate increases vary more than with some competitors - especially in smaller or suburban markets.
- Fewer bells and whistles. Cigna doesn’t offer as many extras as UnitedHealthcare or Humana. There’s no free gym membership or broad dental/vision network built-in - but optional add-ons are available.
Our Opinion
Cigna is a smart, dependable pick for Texans who want affordable premiums and no-nonsense coverage from a well-known name.
While it might not offer the most extras, it delivers reliable Medicare Supplement coverage and smooth member experience - especially for healthy individuals enrolling at 65.
Best for: Budget-minded Texans who still want a national brand, helpful support, and easy-to-manage policies.
Not ideal for: Those looking for full-featured extras like fitness or bundled perks - or who want guaranteed slow rate increases year after year.
Which Medigap Company in Texas Has the Largest Membership?
When it comes to choosing a Medicare Supplement (Medigap) company, size isn’t just a vanity metric - it can actually affect your experience in meaningful ways.
Larger Medigap providers tend to offer more stable premiums, smoother claim processing, and wider plan availability.
That’s because scale allows them to spread risk and invest in better infrastructure and support tools.
Here’s how the top Medigap providers in Texas stack up when it comes to membership.
UnitedHealthcare: The Largest Medigap Provider in Texas and the Nation
UnitedHealthcare holds approximately 23.6% of the Texas Medigap market. They offer widespread plan availability, a strong national network, and robust customer service infrastructure.
Many Texans choose UHC for its brand familiarity, extra perks (like Renew Active), and the added resources that come as a UHC policyholder.
Blue Cross Blue Shield of Texas: A Close Second With a Deep Local Footprint
With an estimated 18.5% market share, Blue Cross Blue Shield of Texas is one of the most widely accepted Medigap plans across the state.
Doctors and hospitals - especially in metro areas like Houston, Dallas, San Antonio, and Austin - are very familiar with their processes.
Their Texas-based customer service and solid plan administration make them a long-time favorite for those who want dependable support and strong provider access.
Humana: A Fast-Growing, Nationally Recognized Medigap Carrier
While not as large as UHC or Blue Cross Blue Shield of Texas in terms of market share, Humana continues to build a strong reputation in Texas.
Their competitive Plan G pricing, well-rated service, and value-added wellness extras make them a preferred option for budget-conscious shoppers who still want the backing of a big-name carrier.
Humana’s presence is especially strong in suburban and urban areas.
Cigna: Steadily Expanding Its Texas Footprint
Cigna isn’t in the top tier by enrollment yet, but it’s gaining traction - especially among younger retirees and new Medicare enrollees.
Known for its affordable pricing, easy applications, and straightforward member experience, Cigna is growing its reputation as a top-tier Plan G provider in many Texas ZIP codes.
Why Membership Size Matters
Choosing a larger Medigap carrier can offer some practical benefits:
- Rate Stability: Bigger insurers can spread risk across more members, reducing the likelihood of steep or sudden premium increases.
- Broader Plan Availability: Larger companies are more likely to offer multiple plan types - including High Deductible G, Plan N, and value-added extras.
- Provider Familiarity: Doctors and billing offices in Texas often have long-standing relationships with large carriers, helping claims move faster and reducing confusion.
- Customer Support Tools: Larger carriers typically invest more in service platforms, including online portals, 24/7 support, mobile apps, and wellness programs.
Important note: The premium estimates listed above are based on a 65-year-old female nonsmoker in Texas enrolling during her Medigap Open Enrollment Period.
Your actual cost may vary depending on your ZIP code, gender, tobacco use, health history (if applying outside open enrollment), and eligibility for household discounts.
Always compare quotes from multiple providers to find your best personalized rate.
Bottom Line
While a large membership doesn’t automatically mean a plan is the best fit for your personal needs, it often comes with fewer surprises, smoother service, and a stronger support system.
In Texas, UnitedHealthcare, Blue Cross Blue Shield of Texas, Humana, and Cigna remain top choices not just because of size - but because they continue to earn the trust of both policyholders and providers.
Who Is the Cheapest Medigap Provider in Texas?
When comparing Medicare Supplement Plan G options in Texas, the lowest monthly premium might catch your eye - but we urge caution.
Some of the least expensive plans come from smaller, lesser-known companies that may not offer the same level of stability or long-term value as the bigger carriers.
Why the Cheapest Plans Can Be Risky
#1. Less Familiar Names, Less Peace of Mind
Most of these companies don’t have the name recognition or footprint of national carriers like Blue Cross Blue Shield of Texas or Mutual of Omaha.
This can make a difference when it comes to provider familiarity, customer service, and confidence in long-term plan availability.
#2. Greater Long-Term Costs
- Premium volatility: Smaller insurers often serve smaller member pools. When claims spike, they can’t spread the risk as easily - which means your premiums may jump unexpectedly.
- Attained-age pricing: Most of these carriers use an attained-age pricing model, so your monthly premium automatically increases as you age.
- Switching is not easy: If you develop health issues and later want to switch to a more stable carrier, you may face medical underwriting and be denied or charged more.
#3. Fewer Benefits and Limited Extras
- These plans typically offer no add-on options like dental, vision, or hearing benefits.
- You’ll also need to add a separate Medicare Part D plan to cover prescriptions, which adds more to your monthly healthcare costs.
#4. Stability Concerns
- With smaller insurers, there’s a higher risk of market exit or abrupt pricing changes.
- Premium instability can become a serious burden over time - especially for those on fixed incomes.
In a nutshell
The cheapest Medicare Supplement Plan G options in Texas may look appealing up front, but they can come with real downsides - from premium unpredictability to limited support.
We usually recommend going with a well-established, highly rated company if you want peace of mind and long-term affordability.
Budget carriers like Medico or Physicians Select may be worth considering for healthy individuals seeking short-term savings, but it's essential to weigh the risks.
If you're unsure which path is right for you, we can help compare all the details - not just the premium.
What's the Difference Between Medicare Advantage and Medigap?
This is one of the most common questions we hear - and understanding the difference is key to choosing the right coverage.
Medicare Supplement (Medigap) plans work alongside Original Medicare (Parts A and B). You stay in traditional Medicare and use your Medigap plan to help pay for things like deductibles, coinsurance, and copays.
You can see any provider that accepts Medicare nationwide, and there are no networks or referrals required.
Medicare Advantage (Part C) plans replace Original Medicare with a private health plan. These often have lower premiums, but they come with networks, prior authorizations, and copays for most services.
Many include extras like dental, vision, or prescription drug coverage - but you give up the freedom of seeing any doctor who takes Medicare.
Want a full comparison? Check out our Medicare Advantage vs. Medigap guide for a detailed breakdown - or reach out and we’ll walk you through your options one-on-one.
What Medigap Plan Covers All Medicare Deductibles?
If you’re looking for a Medigap plan that covers every Medicare deductible, the only option that ever did that is Plan F.
But there’s a catch: Plan F is no longer available to anyone who became eligible for Medicare after January 1, 2020.
For those who are newly eligible, the most comprehensive plan you can get is Plan G. It covers all the same things as Plan F - except the small Part B deductible, which is $257 in 2025.
So, here’s the bottom line:
- Plan F: Covers all deductibles (Part A and Part B) - but only available if you were Medicare-eligible before 2020.
- Plan G: Covers everything except the annual Part B deductible.
Once that deductible is paid, Plan G works just like Plan F. That’s why Plan G is now the most popular Medigap plan for new enrollees.
Is Medigap Plan G the Best Option?
For many people, yes - Plan G is the best overall Medicare Supplement plan available today.
It offers nearly full coverage for the out-of-pocket costs left over by Original Medicare, making it a favorite for those who want predictable costs and maximum flexibility.
Compared to other Medigap plans:
- Plan G: Covers everything except the small Part B deductible ($257 in 2025).
- Plan N: Lower premiums, but includes copays at the doctor and ER and doesn’t cover excess charges.
- High Deductible Plan G: Same great coverage as regular Plan G, but you’ll pay more out of pocket before the plan kicks in - in exchange for significantly lower monthly premiums.
If you want peace of mind and minimal surprises, Plan G is often the most well-rounded fit.
What Does Plan G Not Cover?
While Plan G is comprehensive, it’s not all-inclusive. It doesn’t cover:
- The Medicare Part B deductible
- Prescription drugs (you’ll need a Part D plan for that)
- Routine dental, vision, or hearing care
- Long-term care or custodial care
For any of these, you’ll want to explore standalone coverage options.
Will I Need a Separate Prescription Drug Plan?
Yes. Medigap Plan G doesn’t include drug coverage.
If you want help paying for prescriptions, you’ll need to enroll in a Medicare Part D plan. These are sold separately and can vary by ZIP code and preferred pharmacy.
We recommend comparing Part D plans alongside your Medigap coverage to avoid late penalties and make sure your medications are covered affordably.
How Can I Lower My Medigap Plan G Premiums?
If Plan G feels too expensive, here are a few ways to cut costs without sacrificing important coverage:
- High Deductible Plan G: Same core benefits, but with a lower monthly premium and a $2,870 annual deductible (2025).
- Plan N: More affordable monthly premiums, with small copays and fewer bells and whistles.
- Compare prices across multiple carriers: Rates vary widely by company - and the benefits are standardized.
- Ask about household discounts: Some carriers offer up to 12% off if another member of your household also has a plan.
Smart shopping can often save you hundreds per year.
When Can I Enroll in a Medigap Plan in Texas?
The best time to enroll in a Medicare Supplement (Medigap) plan in Texas is during your Medigap Open Enrollment Period.
This is a one-time, 6-month window that starts when:
- You’re 65 or older, and
- You’re enrolled in Medicare Part B
During this window, you have guaranteed issue rights - meaning any Medigap company must accept you regardless of health conditions, and they can’t charge more based on preexisting conditions.
What Happens If You Miss It?
If you apply for Medigap after that 6-month window, most companies in Texas will require medical underwriting.
That means they can:
- Review your health history
- Charge you a higher premium based on medical conditions
- Potentially deny coverage altogether
There are a few special enrollment exceptions, such as:
- Losing other creditable coverage (like an employer plan)
- Moving out of your Medicare Advantage plan’s service area
- Your current Medigap carrier leaving the market
But in general, it’s much easier - and more affordable - to apply during your open enrollment window.
Extra Help for Low-Income Texans
Medigap plans are not income-based, so there are no subsidies or sliding scale premiums.
If you're on a limited budget, here are other programs that might be a better fit:
- Medicare Savings Programs (MSPs): Help pay Part B premiums and other costs
- Texas Medicaid: May help cover healthcare costs if you qualify
- Medicare Advantage plans: Some plans have $0 premiums and include extra benefits like dental and vision
We often recommend Medigap for those who want the most freedom and lowest out-of-pocket costs - but for those with tighter budgets, a low-cost Advantage plan or Medicaid/Medicare combo may offer better financial protection.
Bottom Line: Choosing the Right Plan G in Texas
When it comes to Medicare Supplement Plan G in Texas, you have several excellent options - but each one fits a slightly different kind of buyer.
Here’s how we break it down:
- Blue Cross Blue Shield of Texas - Best overall for trusted coverage, excellent provider access, and local support.
- Mutual of Omaha - Best value for strong pricing, dependable service, and a long track record in Medigap.
- Humana - Best perks thanks to wellness extras, fitness programs, and strong digital support.
- Cigna - Best for budget-conscious individuals who want a competitive premium with solid service.
Choosing a Plan That Works for You
There’s no one-size-fits-all solution - your ideal plan will depend on your age, health, location, and budget.
That’s why it’s so important to compare quotes across multiple companies and take a look at long-term rate trends, discounts, and service quality.
We’ve helped hundreds of Texans find the right Medicare Supplement plan - and we’re here to help you too.
Whether you're aging into Medicare or switching from another plan, we'll make sure you understand your options clearly and choose with confidence.
FAQs
If you’re just turning 65 and enrolling in Medicare, your best option is likely the company offering strong rates and stability in your ZIP code - like Blue Cross Blue Shield of Texas or Mutual of Omaha. Pricing and underwriting are most favorable when you enroll during your Medigap Open Enrollment window.
Plan G offers more comprehensive coverage with fewer out-of-pocket surprises. Plan N typically has lower premiums but comes with small copays and doesn’t cover Part B excess charges. It depends on your budget and how often you see doctors.
If you're applying outside your guaranteed issue window (the six months after your Part B starts), yes - you may be subject to health questions, and companies can deny coverage. That’s why timing is so important.
Medigap plans work nationwide with any provider that accepts Medicare. That’s one of their biggest advantages over Medicare Advantage, which usually restricts you to a local network.
Think about how often you go to the doctor, your ability to pay unexpected bills, and whether you want predictable monthly costs. Plan G usually pays for almost everything after the small Part B deductible, which means fewer surprises, especially if your health needs increase over time.
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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