Medico Medicare Supplement Plan G in Texas Review

Medico is a long-standing Medicare Supplement insurance provider that has been around for decades.

They’ve built a reputation for stability and reliable claims service, which gives many Medicare beneficiaries peace of mind.

Like other carriers, Medico offers several Medigap plan options, with Plan G being their most popular choice.

While Medico’s Plan G provides the same standardized benefits as any other insurer, the key difference is cost. In many parts of Texas, Medico tends to run more expensive than larger, well-known competitors.

Because all Plan G policies cover the exact same benefits, paying a higher premium doesn’t necessarily translate to better coverage.

Who Is Medico?

Medico, now doing business under the Wellabe brand, is a long-established Medicare Supplement insurance provider.

Along with Medigap policies, Medico also offers dental, vision, hospital indemnity, and final expense insurance products.

With more than 250,000 Medigap policies currently in force nationwide, Medico has a significant presence in the Medicare Supplement market, however, not the largest in Texas.

Customer feedback highlights reliable claims processing and a smaller-company feel, though reviews also point out limited discount options and a tendency toward faster premium increases compared to some larger competitors.

What Is Medico Plan G?

Like all Medicare Supplement (Medigap) plans, Plan G is standardized.

This means that the benefits you receive under Medico Plan G are identical to those from Blue Cross Blue Shield of Texas, Cigna, or Mutual of Omaha.

The only differences are in monthly premiums, rate stability, discounts, and customer service.

What Plan G Covers

Medico’s Plan G is one of the most comprehensive Medigap options available today. It fills nearly every gap left by Original Medicare, ensuring you have predictable, low out-of-pocket costs.

With Medico Plan G, you get coverage for:

• Medicare Part A deductible ($1,676 in 2025)
• Part A coinsurance and hospital costs - including an additional 365 days of coverage after Medicare benefits are used up
• Part B coinsurance or copayments (doctor visits, specialists, and outpatient services)
• Part B excess charges - if your doctor doesn’t accept Medicare assignment
• Skilled nursing facility coinsurance (up to 100 days)
• First 3 pints of blood
• Foreign travel emergency coverage (up to plan limits, usually 80%)

What You Still Pay Out-of-Pocket

With Plan G, the only medical cost you’ll pay out-of-pocket (besides your monthly premium) is the Medicare Part B deductible, which is $257 in 2025.

After you’ve met this deductible, Plan G takes care of the rest, making it one of the most comprehensive and predictable Medigap options.

Why Plan G Is Popular

Plan G has become the most popular Medigap plan for new enrollees since Plan F was closed to newly eligible Medicare beneficiaries in 2020.

It strikes a balance between comprehensive coverage and reasonable premiums, making it the go-to choice for seniors who want peace of mind without unexpected medical bills.

Who Is Plan G Good For?

Plan G isn’t necessarily the right fit for everyone - but it’s an excellent choice for certain groups of Medicare beneficiaries:

• Those who want strong protection against surprise medical bills: Plan G covers nearly all gaps in Original Medicare, so you won’t have to worry about coinsurance, copays, or excess charges after meeting the Part B deductible.
• People who travel: The foreign travel emergency benefit (up to plan limits) makes Plan G appealing for retirees who want coverage outside the U.S.
• Beneficiaries who see specialists frequently: Because Part B coinsurance and excess charges are covered, Plan G is especially valuable for people who rely on frequent specialist care.
• Texans concerned with predictability: With Plan G, you know exactly what you’ll owe each year: your monthly premium plus the Part B deductible. This predictability makes it easier to budget, especially on a fixed retirement income.
• Those comparing to Medicare Advantage: Seniors who dislike network restrictions, prior authorizations, or variable copays often find Plan G a better long-term fit than Medicare Advantage.

Medico Plan G Pricing in Texas

Medigap carriers in Texas typically use one of three pricing methods:

• Attained-age - Premiums start lower when you enroll but increase as you age.
  
• Issue-age - Premiums are based on the age you are when you sign up and don’t rise due to aging.
  
• Community-rated - Everyone in the same area pays the same premium, regardless of age.

Most Texas companies, including Medico, use attained-age pricing, meaning your costs will rise as you get older, in addition to normal rate adjustments.

Sample Premiums in Texas (Age 65, Nonsmoker)

Below are sample monthly rates for Plan G in Texas as of September 2025:

Cost Analysis: Why Medico Falls Short

When it comes to Medicare Supplement Plan G, the benefits are standardized - meaning Medico’s Plan G covers the exact same medical costs as Cigna, Mutual of Omaha, and Blue Cross Blue Shield of Texas.

The only difference is the price you pay each month.

Medico consistently prices higher than its competitors. With premiums ranging from $185 to $231 per month, their rates are well above Cigna’s standard price of $166.80 and even higher than Blue Cross Blue Shield of Texas at $179.03.

While Mutual of Omaha’s premium of $198.38 is slightly higher than Cigna, it still comes in lower than many of Medico’s options.

In a nutshell:

• Cigna: Often the best-priced national option, especially attractive for cost-conscious buyers.
  
• Mutual of Omaha: Competitive pricing combined with strong brand reputation and household discounts.
  
• BCBSTX: While not the cheapest, they offer a balance of local brand recognition, added benefits, and broad availability.

Note: Price is only part of the equation when evaluating Medicare Supplement carriers. How a company manages annual rate increases and treats its policyholders over time is just as important as the initial premium.

Medico’s Rate History

Medico has a reputation for higher-than-average rate increases, which can quickly erode any initial savings if you lock into one of their plans.

Over the years, many policyholders have seen their premiums climb at a faster pace compared to larger, more established carriers. This trend makes Medico less attractive for beneficiaries looking for long-term stability.

Let's compare the competition:

• Mutual of Omaha - Known for a strong track record of managing rates responsibly. While they do raise premiums like all carriers, their increases tend to be more moderate and predictable, which helps with budgeting in retirement.
  
• Cigna - Competitive not only on pricing but also on rate stability. Their household discounts often help offset increases, and their national size allows them to spread risk more evenly.
  
• BCBSTX - While not always the cheapest, they provide solid long-term service and moderate increases. Their brand recognition in Texas also reassures many Medicare beneficiaries who prefer working with a familiar name.
  

Bottom Line

When comparing long-term value, Medico falls short again. Even if you’re willing to pay their higher premiums upfront, the potential for steeper rate hikes makes them a less sustainable choice.

Cigna, Mutual of Omaha, and BCBSTX all provide a more reliable balance of cost and customer satisfaction over time.

Pros and Cons of Medico Plan G

Every Medicare Supplement company has strengths and tradeoffs, and Medico is no different.

While they deliver solid coverage and a dependable name, their Plan G offering in Texas comes with some clear advantages - and some drawbacks.

Pros

• Nationwide Portability – Like all Medigap plans, Medico Plan G lets you see any doctor or hospital in the U.S. that accepts Medicare. There are no networks, referrals, or provider restrictions.
  
• Comprehensive Coverage – Plan G fills nearly all the gaps left by Original Medicare, leaving you with very few out-of-pocket surprises once you’ve met your annual Part B deductible.
  
• Brand Stability and Reliable Claims Processing – Medico has been in the Medicare market for years and is known for timely claims handling and consistent customer service.
  

Cons

• Higher Premiums in Texas – Compared to big-name carriers like Mutual of Omaha, Cigna, and Blue Cross Blue Shield of Texas, Medico’s Plan G typically costs more for the same benefits.
  
• Limited Discounts – While competitors such as Cigna and Mutual of Omaha offer strong household discounts, Medico’s savings opportunities are more limited.
  
• Steeper Rate Increases – Over time, Medico has a track record of rate hikes that can make their policies less affordable compared to competitors who manage pricing more conservatively.

How to Enroll in Medicare Supplement Plan G

The ideal time to enroll in a Medicare Supplement plan - including Medico Plan G - is during your 6-month Medigap Open Enrollment Period.

This window begins the month your Medicare Part B coverage starts and you are at least 65 years old.

During this time, you can enroll without answering health questions or facing medical underwriting.

Enrollment Requirements

To qualify for a Medigap policy, you must:

• Be enrolled in both Medicare Part A and Part B.
  
• Live in a state where the insurance company offers coverage.
  

Getting a Quote

Since premiums vary, the best way to find your rate is to request a personalized quote.

Here’s what you’ll need:

1. ZIP code – Premiums can differ by region in Texas.
   
2. Age – Most carriers use attained-age pricing, so your rate depends on when you enroll.
   
3. Gender and tobacco status – Both can affect pricing.
   
4. Household information – Some carriers, like Cigna and Mutual of Omaha, offer household discounts.
   

Important Note: Medigap Plan G benefits are identical across all carriers, but premiums can differ by $20–$50 per month or more.

Always compare rates before committing to a policy to ensure you’re getting the best long-term value.

If You Lost a Medicare Advantage Plan

If your Medicare Advantage (Part C) plan ends or leaves your area, you may qualify for guaranteed issue rights.

These rights give you special protection when switching back to Original Medicare and enrolling in a Medicare Supplement plan.

With guaranteed issue rights:

• You can enroll in a Medigap Plan G without medical underwriting.
  
• The insurance company cannot deny you coverage or charge higher premiums due to health conditions.
  

Note: You typically have 63 days from the date your Advantage plan ends to apply for a Medigap policy.

This protection ensures you don’t lose access to supplemental coverage just because your Medicare Advantage plan ended. If you qualify, it’s important to act quickly and secure your Medigap plan during this window.

Is Medico a Good Company for Medicare Supplements?

Medico is a solid option in the Medigap market. If you're choosing a carrier, here’s what you get:

• Stability and financial backing - they are nearly a century old, with enough surplus to cover risks.
  
• A broad product line and availability in many states (including Texas).
  
• Recognizable name among smaller/medium insurers - less massive than big national brands, but with a “smaller company” feel some people prefer.

Where you may have trade-offs:

• Premiums tend to run higher than many competitors in Texas (as shown in your pricing comparison).
  
• Discount opportunities (household, bank draft, etc.) are more limited or lower compared to names like Cigna or Mutual of Omaha in some areas.
  
• Rate increases historically may be more aggressive - so long-term cost needs careful consideration.
  

Bottom Line

If you prioritize financial strength, track record, and reliable service, Medico is a reputable carrier.

But if your budget is tight, or you want the best possible rate (especially in Texas), then it’s worth comparing Medico’s quotes with those from Cigna, BCBS-TX, Mutual of Omaha, etc., to see if you can find substantially lower premiums with comparable service.

Our Advice

Medico is a reputable and reliable company with a long history in the Medicare Supplement market. They have the financial stability and claims experience to provide solid coverage, and for many policyholders, that smaller-company feel can be appealing.

However, regarding Plan G in Texas, reliability alone isn’t the deciding factor - because every insurer offers the same standardized benefits.

That’s why it makes sense to consider trust and stability first, and Medico certainly checks those boxes. The challenge is that their premiums in Texas are often higher than those of competitors like Cigna, Mutual of Omaha, and Blue Cross Blue Shield of Texas.

In many ZIP codes, those companies can save you anywhere from twenty to fifty dollars per month without sacrificing any benefits.

The bottom line is that while Medico is a dependable choice, there may be better deals available.

The smart move is to start with companies you can trust and compare premiums carefully to ensure you’re not overpaying for identical coverage.