Humana vs. UnitedHealthcare Medicare Supplement Plans in Texas (2025)
Choosing the right Medicare Supplement (Medigap) plan in Texas can make a big difference in both your monthly costs and long-term satisfaction with your coverage.
In this guide, we’re comparing two of the biggest names offering Medigap plans in Texas for 2025 - Humana and UnitedHealthcare.
Both companies offer standardized Medicare Supplement coverage, meaning the core benefits of each plan letter (like Plan G or Plan N) are the same no matter which company you choose.
However, the real differences show up in pricing, discounts, customer satisfaction, and the extra perks each insurer includes. Those details can make one a better fit depending on your health needs and budget.
Let's start with an overview of both companies.
Humana Medicare Supplement Overview
Humana is one of the most recognized names in the Medicare market.
While the company built its reputation on Medicare Advantage, it has recently renewed its focus on Medicare Supplement (Medigap) plans - expanding coverage, improving pricing in select states, and enhancing member wellness benefits.
With a nationwide presence and over 300,000 Medigap policyholders (about 2.1% of the U.S. market). Humana appeals to retirees who want dependable coverage backed by lifestyle-focused extras.
Our Take
Humana is a strong option for retirees who value wellness perks, flexible plan choices, and solid service.
While its premiums can be higher than some competitors, the added benefits and national support make it an appealing choice - especially in states like Texas, where Humana has become increasingly competitive in 2025.
Medigap Plan Options
Humana offers a broad portfolio of Medigap plans, including:
- Plan G - Comprehensive coverage except for the Part B deductible.
- Plan N - Lower premiums with small copays for office and ER visits.
- Plan F - Available to those eligible for Medicare before 2020, offering full cost coverage.
- High-Deductible Plan G - Same benefits as Plan G after meeting a higher deductible, ideal for budget-conscious enrollees.
This mix lets members choose between maximum protection and affordability.
Where Humana Stands Out
Humana’s Medigap plans go beyond standardized coverage with meaningful extras, including:
- SilverSneakers® fitness program and discounts on vision and hearing services.
- Meal delivery after hospital stays and 24/7 nurse line support.
- Household discounts up to 12%, above industry average.
UnitedHealthcare Medicare Supplement Overview
UnitedHealthcare is one of the nation’s largest and most established Medicare Supplement providers, offering plans across 49 states and Washington, D.C.
Known for its size, stability, and range of member programs, the company continues to be a trusted choice among retirees seeking dependable Medigap coverage with extra wellness benefits.
UnitedHealthcare’s Medigap plans are popular for their broad acceptance by healthcare providers, making it easy for members to visit nearly any doctor or hospital that accepts Medicare.
The company’s strong financial ratings and national reach give it an advantage for seniors who want reliable, long-term coverage.
Our Take
UnitedHealthcare stands out for its financial strength, wide plan availability, and value-added wellness programs.
While customer service reviews can be mixed, its strong coverage options, competitive pricing, and dependable nationwide access make it one of the most practical Medigap choices for Texas retirees in 2025.
Medigap Plan Options
UnitedHealthcare offers a robust selection of standardized Medigap plans, including:
- Plan G - The most comprehensive plan available to new Medicare members, covering nearly all out-of-pocket costs except the Part B deductible.
- Plan N - A cost-effective alternative with lower monthly premiums and modest copays.
- High-Deductible Plan G - Provides identical benefits to standard Plan G after meeting a higher annual deductible, appealing to budget-conscious enrollees.
- Plan F - Available to those who qualified for Medicare before January 1, 2020, covering all Medicare cost-sharing expenses.
This mix allows UnitedHealthcare to serve a wide range of needs - from those seeking premium protection to those wanting lower monthly costs.
Where UnitedHealthcare Stands Out
UnitedHealthcare’s Medigap plans include extra member benefits designed to promote wellness and convenience:
- Renew Active® fitness program with access to gyms, brain health resources, and guided activities.
- Vision, hearing, and dental discounts available through participating providers.
- 24/7 nurse line for health guidance and care coordination.
- Extensive provider network, ensuring easy nationwide access to doctors and specialists.
Medigap Pricing Comparison
Pricing for Medicare Supplement plans can vary based on age, ZIP code, and underwriting class, but Texas seniors will generally find Humana and UnitedHealthcare close in cost.
The following figures reflect average monthly premiums for 2025 in Texas:
Pricing Analysis
Humana’s Plan G in Dallas averages around $205/month in national pricing data - roughly 45% higher than the lowest rate listed on Medicare.gov
Plan N averages $157/month, still above some competitors. However, Humana offers household discounts up to 12%, which is higher than average and helps offset premium differences.
UnitedHealthcare’s pricing is similarly competitive, with Plan G starting around $209/month nationally. The company also provides multi-policy incentives and a variety of optional wellness-related discounts that can further reduce long-term costs.
Both insurers maintain pricing in the same range, with UnitedHealthcare often offering slightly lower costs on Plan N, while Humana remains a touch more competitive on its High-Deductible Plan G option.
Benefits and Extra Features
Although Medicare Supplement benefits are standardized by law, Humana and UnitedHealthcare differentiate themselves with their added member programs and wellness perks.
Both companies provide identical core Medicare benefits, but their extras differ in focus.
Humana leans toward recovery and post-care support, emphasizing fitness and at-home services, while UnitedHealthcare’s programs center on ongoing wellness and preventive care.
Customer Satisfaction and Complaints
Humana’s Medicare Supplement plans receive more complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC).
In fact, the company’s Medigap complaint rate is 228% higher than average, indicating more frequent issues reported by policyholders.
Despite these concerns, Humana maintains a 2.5 out of 5 overall rating from NerdWallet, reflecting a balance between strong benefits and higher-than-average pricing and complaints.
UnitedHealthcare’s customer reviews are mixed, with several consumers citing challenges related to billing, communication, and service accessibility.
The company holds 1.3 out of 5 stars on Trustpilot and 1 out of 5 on Consumer Affairs, suggesting room for improvement in customer service.
However, UnitedHealthcare fares far better in editorial ratings, earning a 4.9 out of 5 score from Forbes Advisor, which praises its broad plan availability, competitive pricing, and added wellness programs.
Financial Stability and Market Standing
Both Humana and UnitedHealthcare demonstrate strong financial stability and reliable performance in the Medicare Supplement market.
Humana maintains a solid footing with an 82% loss ratio - slightly above the industry average - meaning most of its collected premiums are paid back to members through benefits rather than administrative costs.
This focus on care delivery highlights Humana’s commitment to reinvesting in its policyholders.
UnitedHealthcare, meanwhile, stands as one of the largest and most financially secure Medigap providers in the country, earning an “A” (Excellent) rating from AM Best.
Its consistent rate structure and nationwide presence reflect a long history of stability and dependable service, making it a trusted choice for seniors who value predictable premiums and long-term reliability.
Pros and Cons
Every insurer has its strengths and weaknesses. Below is a quick comparison of the pros and cons of Humana and UnitedHealthcare to help you decide which better fits your Medicare needs in Texas.
Humana: Pros
#1. Wide Range of Plan Options: Humana offers a full Medigap portfolio, including Plan G, Plan N, Plan F (for those eligible before 2020), and High-Deductible Plan G. This flexibility lets beneficiaries choose between comprehensive protection and more affordable, budget-friendly options.
#2. Competitive in Select Texas Markets: In 2025, Humana has become increasingly competitive in several Texas ZIP codes, especially with its High-Deductible Plan G, which averages $59 per month. This lower-cost alternative gives you a chance to save without sacrificing key Medicare benefits.
#3. Wellness-Focused Perks: Humana stands out for its SilverSneakers® fitness program, meal delivery after hospital stays, vision and hearing discounts, and a 24/7 nurse line. These benefits make it appealing to retirees who value active living and post-care support alongside standard Medigap protection.
#4. Household Discounts: Humana offers one of the most generous household discounts in the market - up to 12%, higher than the national average. Couples or co-residents enrolling together can significantly reduce monthly premiums.
#5. Strong Digital and Member Tools: The company’s online portal and mobile tools make it easy to pay bills, track claims, and manage benefits, reflecting Humana’s emphasis on user-friendly service and accessibility for older adults.
Humana: Cons
#1. Higher Premiums Than Many Competitors: Humana’s plans, particularly Plan G and Plan N, tend to cost 40–50% more than the lowest-priced alternatives in some areas. This can make it less appealing for budget-sensitive retirees.
#2. Elevated Complaint Rate: According to industry data, Humana receives over twice the number of complaints as the average Medigap insurer, often related to billing accuracy or administrative delays.
#3. Inconsistent Customer Experience: While many members praise Humana’s helpful support staff and fitness perks, others cite difficulties with claims or communication, suggesting customer satisfaction varies by region.
#4. Smaller Share of the Medigap Market: Despite strong name recognition, Humana represents only about 2% of national Medigap enrollment, which means it’s less dominant than larger competitors and may have less rate stability over time.
UnitedHealthcare: Pros
#1. Broad Availability and Strong Market Presence: UnitedHealthcare remains the largest Medicare Supplement provider nationwide, offering coverage across 49 states and Washington, D.C. Texans benefit from consistent access, as plans are available in nearly every ZIP code.
#2. Extensive Provider Acceptance: Because Medigap plans work with any provider that accepts Medicare, UnitedHealthcare’s size and claims network ensure a smoother billing process and broad doctor accessibility - an advantage for those who travel within Texas or nationwide.
#3. Balanced Pricing Across Plans: In Texas, Plan G averages $209/month, Plan N $151/month, and High-Deductible Plan G $64/month - competitive with Humana and typically stable year to year.
#4. Wellness and Preventive-Care Programs: UnitedHealthcare enhances its Medigap offerings with benefits like the Renew Active® fitness program, brain-health resources, vision and hearing discounts, and a 24/7 nurse helpline. These promote physical activity, cognitive wellness, and preventive health management.
#5. Financial Strength and Reliability: The company holds an “A” (Excellent) rating from AM Best, reflecting its stability and ability to meet policyholder obligations. This makes UnitedHealthcare a strong long-term choice for retirees who want consistent rate policies and dependable claims handling.
UnitedHealthcare: Cons
#1. Lower Consumer Review Scores: While editorial outlets rate UnitedHealthcare highly, user-generated reviews are less favorable - primarily due to billing issues and slow communication.
#2. Some Plans with Higher Out-of-Pocket Exposure: Although standardized benefits prevent major gaps, certain plan options have slightly higher cost-sharing, making them less ideal for retirees who prefer predictable expenses.
#3. Occasional Rate Increases: UnitedHealthcare’s rates are typically stable, but some policyholders report annual premium adjustments that can vary by age and county.
Overall Takeaway
Both insurers are financially strong and offer dependable Medigap coverage in Texas.
- Humana excels in wellness-focused benefits and household savings, ideal for active seniors who value perks like SilverSneakers and post-care services.
- UnitedHealthcare shines in financial strength, accessibility, and program breadth, making it a safer long-term option for retirees prioritizing network size and reliability.
For most Texas beneficiaries, UnitedHealthcare may offer slightly better overall value, while Humana appeals more to those seeking lifestyle extras and flexible discount opportunities.
Humana vs. UnitedHealthcare: Which Is Better?
Choosing between Humana and UnitedHealthcare for a Medicare Supplement plan in Texas ultimately depends on what matters most to you - extras, service, or overall value.
Humana tends to appeal to seniors who value wellness and convenience. Its plans include added features like SilverSneakers®, meal delivery after hospital stays, and 24/7 nurse support, giving it a more lifestyle-oriented appeal.
Humana also offers generous household discounts that can help lower premiums, especially for couples enrolling together. These perks make Humana a strong choice for retirees who want a well-rounded experience with personal health and wellness benefits.
UnitedHealthcare, on the other hand, is better suited for Texans who prioritize stability, wide provider acceptance, and predictable pricing.
With strong financial ratings, broad plan availability, and access to doctors across the state (and nationwide), UnitedHealthcare offers the kind of reliability many retirees prefer.
Its Renew Active® fitness and wellness programs add value without significantly raising premiums, making it one of the most dependable Medigap options available.
Standardized Coverage: What Really Matters
It’s important to remember that Medigap plans are federally standardized.
This means a Plan G from Humana offers the exact same medical coverage as a Plan G from UnitedHealthcare - or any other insurer. The benefits, coinsurance, and coverage limits are identical across companies.
Because of that, what truly separates one insurer from another often comes down to price, service quality, and extra perks. The medical coverage itself doesn’t change - but the monthly premium, rate stability, and customer experience can differ significantly.
Final Takeaway
Between these two reputable companies, UnitedHealthcare generally provides better long-term value for most Texas seniors, thanks to its strong rate stability, broad availability, and established reputation.
However, Humana shines for those who appreciate extra wellness benefits and are comfortable paying slightly higher premiums in exchange for them.
At the end of the day, since coverage is standardized, the right choice often comes down to which company can offer you the lowest premium for the same plan type in your ZIP code.
Comparing personalized quotes side by side is the most reliable way to determine which plan truly fits your budget and lifestyle needs.
FAQs
No. Medicare Supplement (Medigap) plans are standardized by the federal government, which means a Plan G from Humana provides the exact same medical coverage as a Plan G from UnitedHealthcare. The main differences come down to monthly premiums, rate stability, and extra perks like fitness programs or household discounts.
Rates vary by ZIP code, age, and other factors, but generally UnitedHealthcare offers slightly lower premiums on Plan N, while Humana tends to be more competitive on High-Deductible Plan G. Because coverage is standardized, it’s best to compare quotes for your specific area to see which company offers the better value.
Both insurers include valuable add-ons that go beyond basic Medicare coverage. Humana members often receive SilverSneakers® fitness benefits, meal delivery after hospital stays, and discounts on vision and hearing. UnitedHealthcare provides Renew Active® fitness and wellness resources, vision and hearing discounts, and a 24/7 nurse helpline.
Both companies are financially strong and well-established. Humana maintains an 82% loss ratio, meaning most of its premiums go directly toward member benefits, while UnitedHealthcare holds an “A” (Excellent) rating from AM Best, reflecting long-term stability and reliable claims management.
Since Medigap benefits are the same across carriers, the best choice usually depends on premium cost, customer service, and personal preferences. If you want added wellness perks and flexible discounts, Humana may be a better fit. If you value rate stability and broad nationwide access, UnitedHealthcare is often the more practical long-term option.
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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