Blue Cross Blue Shield of Texas Medicare Supplement Plan G

When it comes to Medicare Supplement (Medigap) plans in Texas, Plan G stands out as the go-to choice for seniors who want full peace of mind - and Blue Cross Blue Shield of Texas is one of the most reliable companies offering it.

We’ve helped hundreds of Texans walk through their Medicare decisions, and time after time, Blue Cross Blue Shield of Texas's Plan G proves itself to be one of the best options for comprehensive coverage, predictable premiums, and access to a huge network of doctors statewide.

Whether you’re brand new to Medicare or thinking about switching from another plan, this guide will walk you through what makes Blue Cross Plan G such a strong choice - and whether it’s the right fit for your health needs and budget.

Key Reasons to Consider Plan G from Blue Cross

• Most Comprehensive Coverage Available: Aside from the small Medicare Part B deductible ($257 in 2025), Plan G covers nearly every other out-of-pocket cost under Original Medicare.
  
• Freedom to See Any Medicare Doctor Nationwide: No networks, no referrals - just choose your providers and go.
  
• Stable Premiums with Long-Term Value: Blue Cross has a reputation for steady rate increases and dependable customer service, making it easier to budget year after year.
  
• Trusted Brand Across the State: From Dallas to El Paso, doctors know and work with Blue Cross. It’s one of the most widely accepted Medigap carriers in Texas.

What Does Blue Cross’s Medigap Plan G Cover?

Think of Plan G as your all-in-one safety net for Medicare - it covers just about everything Medicare leaves behind, except for one small thing: the Part B deductible, which is $257 in 2025.

Beyond that, you’re almost completely protected from out-of-pocket costs.

Here’s what you get with Blue Cross's Plan G:

• Hospital Costs (Part A): Covers the entire Part A deductible and all coinsurance. Whether it’s a short stay or a longer hospital visit, you won’t be left with a big bill.
  
• Skilled Nursing Facility Care: After a hospital stay, if you need rehab or skilled care, Plan G picks up your coinsurance - something Original Medicare only partially covers.
  
• Part B Coinsurance and Excess Charges: Plan G pays the 20% that Medicare doesn’t cover for outpatient services, like doctor visits, labs, and surgeries. It even covers excess charges if a doctor bills more than the Medicare-approved amount.
  
• Blood (First 3 Pints): Original Medicare doesn’t cover the first three pints - Plan G does.
  
• Foreign Travel Emergency Care: You’re covered for emergencies while traveling outside the U.S., up to plan limits.

If Medicare covers it, Plan G usually picks up your share.

That’s how we explain it to our clients - because it really is that straightforward. You pay your Part B deductible once a year, and then you can use your coverage with confidence.

Key Benefits of Blue Cross’s Medigap Plan G

Blue Cross Blue Shield of Texas isn’t just a recognizable name - it’s a long-standing leader in the Medicare Supplement space, trusted by providers and seniors across the state.

After helping hundreds of Texans evaluate their coverage options, we consistently find Blue Cross’s Plan G to be one of the most dependable choices.

Here’s why:

#1. Trusted Local Brand

Blue Cross Blue Shield has decades of experience serving Medicare beneficiaries throughout Texas. That matters - because when your doctor’s office or hospital recognizes your insurer, billing issues are much less likely.

Whether you're in Dallas, San Antonio, or a smaller rural town, most providers know exactly how to work with Blue Cross Blue Shield ’s systems, which makes your experience smoother.

#2. Nationwide Access to Care

Freedom to choose your doctor is a big deal - and with Blue Cross Blue Shield's Plan G, you can see any provider in the U.S. who accepts Medicare.

There are no networks and no referrals required. This is especially helpful if you travel out of state, want access to top specialists, or split time between Texas and another location during the year.

#3. Steady, Predictable Premiums

No Medicare Supplement company can promise rates will never go up.

But Blue Cross Blue Shield has earned a reputation for moderate, manageable increases, unlike some newer carriers that offer low teaser rates and then spike premiums after the first year.

If long-term cost predictability is important to you, this is a major plus.

#4. Texas-Based Member Support

When you have questions about your coverage or a medical claim, you won’t be routed through a confusing national call center.

Instead, you’ll often talk to a customer service rep who understands the Texas healthcare landscape and can give you real answers - fast.

This is one area where clients consistently tell us they feel more supported compared to other carriers.

#5. Household Discounts

Blue Cross Blue Shield offers generous savings if you live with another Medicare enrollee - even if they’re not on the same plan.

Their household discounts typically range from 5% to 12%, and over the course of a year or two, that adds up to real money.

It’s one of the better discount programs available in the state.

Who’s a Good Fit for Blue Cross Blue Shield ’s Plan G?

This plan is ideal if:

• You want predictable costs and strong coverage. With Plan G, you know what to expect - and you’re protected from nearly all major out-of-pocket costs.
• You don’t want to mess with provider networks or referrals. You can go directly to any doctor or specialist nationwide who accepts Medicare - no hoops to jump through.
• You travel frequently and want nationwide flexibility. Whether you're visiting grandkids out of state or snowbirding, your coverage goes with you.
• You’d rather avoid large hospital or specialist bills altogether. Plan G helps cover the gaps in Medicare - including hospital deductibles, coinsurance, and even excess charges - so you're not stuck with surprise bills.
  

If any of those sound like you, this plan is probably worth a close look.

How Much Does Plan G Cost With Blue Cross Blue Shield?

If you’re 65, recently enrolled in Medicare, and a nonsmoker, you can expect to pay somewhere between $120 and $160 per month for Blue Cross Blue Shield's Plan G.

Your exact rate depends on where you live in Texas, along with a few other factors.

What Affects Your Premium?

Several things go into your monthly rate:

• Your ZIP code - Rates can vary by city or county. For example, someone in Houston might pay differently than someone in Lubbock or Austin.
  
• Age - The younger you are when you enroll, the better your long-term pricing tends to be.
  
• Gender - In many cases, women receive slightly lower premiums than men.
  
• Tobacco use - If you’ve used tobacco in the past year, expect to pay more.
  
• Enrollment timing - Signing up during your 6-month Medigap Open Enrollment window (when you first turn 65) usually gets you the best rate, with no health questions.
  

Don’t Forget the Discounts!

Blue Cross Blue Shield  also offers household discounts - typically 5% to 12% off - if another Medicare-eligible adult (like a spouse or partner) lives at the same address and has a plan with them too.

It’s an easy way to save if you're both enrolling around the same time.

Enrollment in Blue Cross Blue Shield Plan G

The best time to sign up for Blue Cross Blue Shield's Plan G is during your Medigap Open Enrollment Period - the 6-month window that begins when you’re 65 or older and enrolled in Medicare Part B.

During this time, you can enroll with no medical questions asked, no matter your health history.

What if You’re Outside That Window?

No problem - you can still apply at any time of year. But keep in mind, medical underwriting may apply.

That means Blue Cross Blue Shield can ask about your health and could deny coverage if certain conditions are present.

That’s why we always say: enroll while you’re healthy if you can.

How to Enroll in Blue Cross Blue Shield Plan G

You have a couple of solid options:

• Directly through Blue Cross Blue Shield: You can enroll on your own through their website or by calling.
  
• Through a licensed independent agent: An agent can compare Blue Cross Blue Shield with other companies and help you get any available discounts.
  
• During a guaranteed issue situation: For example, if you lose employer coverage or move out of a Medicare Advantage plan’s service area, you may qualify for Plan G with no health questions, even after age 65.
  

Pro tip: If you’re not sure whether you qualify or when your open enrollment window ends, talk to a licensed Medicare agent. We help Texans figure this out every day - and make sure they don’t miss important deadlines.

Bottom Line

If you’re looking for a Medicare Supplement plan that gives you top-tier coverage, predictable costs, and dependable service, Blue Cross Blue Shield’s Plan G is hard to beat.

It covers nearly every gap in Original Medicare - so you’re not left worrying about big bills from the hospital, your doctor, or a specialist.

And while the premiums may not always be the lowest, you’re paying for long-term value and local reliability.

We’ve helped hundreds of Texans choose this plan, and the feedback is clear: It offers peace of mind, excellent support, and fewer surprises. That’s exactly what most folks want in retirement.