Humana Medicare Supplement Plan G Review in Texas

Humana is a nationally recognized health insurer that offers Medicare Supplement (Medigap) coverage across much of Texas.

Among its offerings, Plan G stands out as the most popular choice for new Medicare enrollees.

This is because Plan G fills nearly all the gaps left by Original Medicare - covering hospital deductibles, coinsurance, and excess charges - while leaving only the annual Medicare Part B deductible ($257 in 2025) as your responsibility.

Like all Medigap policies, Plan G’s benefits are standardized by Medicare, which means the medical coverage you get with Humana is the same as with any other insurer offering Plan G.

The real differences come down to monthly premium, long-term rate stability, and the quality of customer service you receive.

That’s why comparing carriers is so important - two plans labeled “Plan G” may have identical benefits on paper, but very different long-term costs and experiences in practice.

Plan G Coverage and Benefits with Humana

Humana’s Medicare Supplement Plan G is the company’s flagship Medigap option in Texas, and it’s one of the most complete ways to protect yourself from Medicare’s out-of-pocket costs.

Like all Medigap plans, Plan G is standardized by the federal government, so the medical benefits are identical no matter which insurance company offers it.

Whether you choose Humana, Blue Cross Blue Shield, or another Medigap carrier, the coverage is the same - what differs is the monthly premium, rate stability, and the extras that come with your plan.

What Plan G Covers

• Medicare Part A deductible – Fully covers your hospital deductible so you don’t face large bills for inpatient stays.
  
• Part A and Part B coinsurance – Pays your share of costs for hospital, outpatient, and physician services so you’re not stuck with 20% coinsurance bills.
  
• Skilled nursing facility coinsurance – Covers your portion of costs for extended skilled nursing care (up to Medicare’s benefit limits).
  
• Part B excess charges – Protects you from paying more than Medicare’s approved amount in states that allow excess billing.
  
• Foreign travel emergency coverage – Provides limited benefits for covered emergencies while traveling abroad.
  

The only cost you’ll have for Medicare-approved services is the annual Medicare Part B deductible - $257 in 2025. After that, Plan G pays 100% of your covered Medicare costs for the rest of the year.

Freedom and Flexibility With Plan G

• No provider networks – See any doctor or hospital nationwide that accepts Medicare.
  
• No referrals – Go directly to a specialist without extra steps.
  
• No prior authorizations – Get care without waiting for insurance company approval.
  

This means whether you’re in Dallas, Houston, Austin, or a rural Texas county, you have full access to top doctors and hospitals without gatekeeping.

Extra Perks for All Humana Plans

While Plan G coverage is standardized, Humana adds value with member perks at no extra cost:

• SilverSneakers fitness program
  
• Hearing aid and services discounts
  
• Prescription medicine discounts
  
• Vision care discounts
  
• 24/7 registered nurse hotline
  

These extras can help you save on everyday health needs and stay active - benefits not all carriers include.

However, unlike some Blue Cross Blue Shield of Texas plans, Humana’s Medigap plans do not bundle dental coverage.

Humana Plan G vs. Humana Achieve Plan G - What’s the Difference?

When it comes to Medicare Supplement (Medigap) coverage, Humana does something a little different from most carriers - they offer two versions of the same plan.

In Texas, you may see both Humana Plan G and Humana Achieve Plan G listed side-by-side.

The benefits are identical because all Medigap plans are standardized, but the pricing, discounts, and extras are where the differences show up.

Same Coverage – Different Approach

• Both plans pay for nearly all Medicare-approved costs except the small Part B deductible ($257 in 2025).
  
• Both let you see any Medicare provider nationwide, with no networks, referrals, or prior authorizations.
  
• The only real differences are in how much you’ll pay and what extras come with the plan.

Humana's Standard Plan G 

If you’re looking at Humana’s standard Plan G in Texas, expect moderate premiums - usually a bit higher than the starting rates for their Achieve version.

The standard Plan G often comes with a household discount of about 5% to 7% in most areas, which can help bring the cost down if you qualify.

One of its biggest selling points over Achieve is the inclusion of extra perks, like fitness programs and occasional wellness benefits, that some clients really value.

It’s a solid fit for Texans who prefer a traditional Medigap option with a longer track record and a few added extras, even if it means paying a little more each month.

Humana's Achieve Plan G

Humana’s Achieve Plan G usually starts with lower monthly premiums than their standard Plan G, making it appealing for cost-conscious Texans.

One of the biggest advantages is the larger household discount - up to 12% in many areas - and it can apply even if the other adult in your home isn’t on Medicare.

The trade-off is that Achieve is a more stripped-down version of the plan, so you typically won’t get extras or wellness perks.

It’s best suited for clients who want the lowest upfront cost, qualify for the bigger household discount, and don’t mind going without the added benefits that come with the standard version.

How We Advise Clients

Because both Humana Achieve and the standard Humana Plan G give you the exact same standardized Medicare benefits, your decision usually comes down to three main factors:

• Price in your ZIP code – Rates can vary widely across Texas, and the better-priced option depends on where you live.
• Eligibility for the household discount – Achieve offers up to a 12% discount in many areas, while the standard plan’s discount is usually 5%–7%.
• Whether extra perks matter to you – The standard plan often includes wellness benefits, while Achieve skips these to keep costs lower.

If your top priority is keeping your monthly premium as low as possible, Achieve often makes more sense, especially if you qualify for the bigger household discount.

But if you’d like a few added perks and potentially steadier long-term rates, the standard Humana Plan G may be worth the small bump in premium.

Costs and Rate Trends in Texas

Humana’s Medicare Supplement Plan G pricing in Texas varies based on ZIP code, age, gender, tobacco status, and whether you choose their Standard Plan G or the lower-cost Humana Achieve Plan G. 

Why the Price Differences?

Achieve Plan G typically starts at a lower monthly premium because it trims some extras (e.g., SilverSneakers in some markets) and focuses on core Medigap benefits.

Rates are also filed by county and ZIP code, and rural areas often have fewer competing insurers - which can push premiums up for both versions.

In those markets, High-Deductible G becomes an appealing option for keeping monthly costs down.

Takeaway: If you want Humana’s Plan G coverage at the lowest initial premium, Achieve is worth a close look - especially if you qualify for the larger household discount.

But for long-term stability, compare historical rate trends in your specific county before deciding.

Pros and Cons of Humana Plan G

Pros

#1. Comprehensive, predictable coverage after Part B deductible‍

Like all standardized Plan G policies, Humana’s version covers almost every Medicare-approved cost after you meet the annual Part B deductible ($257 in 2025).

This makes it a solid choice for Texans who want to avoid surprise medical bills and keep their healthcare budget predictable.

#2. Competitive pricing on High Deductible G‍

Humana often shines in the High-Deductible Plan G category, where it can be among the lowest-priced options in Texas.

For healthy retirees who want strong catastrophic coverage without high monthly premiums, this is a major advantage.

#3. Nationwide provider access with a well-known insurer‍

Humana’s Plan G allows you to see any doctor or hospital in the U.S. that accepts Medicare - no networks, referrals, or prior authorizations required.

The Humana brand is also widely recognized, which can help build confidence in the company’s financial stability and claims-paying ability.

Cons

#1. Plan G pricing is less competitive than some carriers in certain ZIP codes‍

While Humana’s rates can be attractive in select areas, in other parts of Texas - especially rural counties - its standard Plan G premiums may be higher than those from competitors like Cigna or BCBS of Texas.

#2. Rate stability can be less predictable than some competitors‍

Over the past several years, Humana’s Plan G rate increases have varied more than those of certain carriers with a stronger track record for gradual, predictable adjustments.

For clients planning to keep their plan long-term, this is an important factor to weigh.

#3. Customer service varies by region; national call center model vs. local‍

Humana services its Medigap members primarily through national call centers.

While many clients report good experiences, others find that responsiveness can vary depending on the representative and the complexity of the issue.

Unlike carriers with strong local support networks, Humana doesn’t have the same deep integration with Texas-based providers and hospitals.

Bottom Line

Humana Plan G offers comprehensive Medigap protection and can be an excellent fit for Texans who find competitive rates in their ZIP code.

The plan’s nationwide provider access and predictable coverage make it a reliable choice for those who want simplicity and peace of mind.

While rate stability may be less predictable than with some competitors, Humana remains a strong, reputable option, especially if the pricing in your area lines up with your budget and health needs.