Medicare Supplement Comparison Chart in Texas

Choosing a Medicare Supplement plan in Texas doesn’t have to be overwhelming - especially when you can see your options laid out clearly.

Whether you’re brand new to Medicare or considering a switch, this guide will help you compare the most popular Medigap plans in the Texas: Plan G, Plan N, and High Deductible Plan G (HDG).

Each of these plans offers strong protection from Medicare out-of-pocket costs - but they do it in slightly different ways.

Some give you predictable monthly premiums with little to no cost-sharing. Others trade lower premiums for a bit more flexibility and a few out-of-pocket payments here and there.

As agents who’ve walked hundreds of Texans through these exact choices, we’ll break down how these plans differ in terms of:

• What they cover (and what they don’t)
  
• Monthly premiums and total yearly costs
  
• When you might choose one plan over the others
  

Whether you're in Dallas, Houston, Austin, or Amarillo - this Medicare Supplement compariosn chart and guide are built to help you feel confident and clear-headed about your decision.

Let’s start by understanding the basics of each plan.

How to Compare Medicare Supplement Plans in Texas

If you’re comparing Medicare Supplement plans in Texas, here’s the first thing to know: Medigap plans are standardized.

That means Plan G is Plan G, no matter which insurance company you buy it from.

The benefits are identical - the only things that vary are how much you pay and who you’re buying from.

So, if two companies both offer Plan N, they’re both legally required to provide the same exact medical coverage.

The difference? One may offer a better premium. Another may raise your rates less over time. A third might have better customer service.

Check out the Medigap comparison chart below for the 2025 Medicare Supplement plans.

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Texas’ Top Medicare Supplement Plan: Plan G Wins

When it comes to comprehensive coverage, Plan G is the gold standard for Texans enrolling in Medicare today.

It’s the most popular Medigap plan nationwide and offers the broadest protection available to new enrollees, without overcomplicating things.

What Plan G Covers

If you want peace of mind and minimal surprise bills, Plan G checks nearly every box by covering:

• Medicare Part A deductible ($1,676 in 2025)
  
• Hospital coinsurance - including extended stays beyond 60 days
  
• Skilled nursing facility coinsurance
  
• Medicare Part B coinsurance (the 20% Medicare doesn’t pay)
  
• Part B excess charges - in case your doctor bills above Medicare’s standard rate
  
• Emergency foreign travel coverage - up to $50,000 lifetime
  

What’s Not Covered

The only out-of-pocket cost you’re responsible for is the Medicare Part B deductible, which is $257 in 2025.

After that’s met, Plan G picks up virtually everything else.

Why It’s So Popular in Texas

Texans appreciate Plan G’s predictability and simplicity. You don’t have to worry about networks, referrals, or hidden copays - just solid, reliable coverage that works anywhere Medicare is accepted.

If you want the most complete Medigap plan available today (and don’t mind paying a bit more each month for that peace of mind), Plan G is likely your best bet.

If you ask most Medicare agents in Texas which plan they’d recommend for someone who wants maximum peace of mind, the answer is usually the same: Plan G.

Here are some reasons why Texans love Plan G:

• Comprehensive coverage: After you meet the small annual Part B deductible ($257 in 2025), Plan G pays for nearly every other out-of-pocket cost - including hospital stays, doctor visits, lab work, outpatient procedures, and even excess charges.
  
• No surprises: No copays. No coinsurance. No referral requirements. You can see any doctor nationwide who accepts Medicare.
  
• Freedom to travel: Whether you're visiting family across the state or spending part of the year in another state, Plan G offers consistent protection nationwide.
  
• Strong satisfaction in Texas: Based on our experience and conversations with hundreds of Texans, Plan G consistently earns high marks for stability and simplicity.
  

Is There a Medigap Plan That Covers Everything?

Yes - but only for some people.

Plan F was the most comprehensive Medigap plan, covering everything including the Medicare Part B deductible. However, it’s only available to those who became Medicare-eligible before January 1, 2020.

For everyone else, Plan G is the closest thing to full coverage.

Texas Enrollment Insight

According to recent Medigap enrollment data, Plan G has the highest enrollment among new Medigap beneficiaries in Texas.

It has become the go-to plan for Texans who want dependable, predictable coverage with minimal out-of-pocket costs.

If you’re looking for a plan that feels “set it and forget it,” Plan G is your answer.

Medicare Supplement Plan Costs in Texas

When comparing Medigap plans, cost is one of the most important - and most variable - factors.

While the coverage for each plan letter is standardized by Medicare, the monthly premium you pay can vary significantly depending on several personal and geographic details.

Note: Pricing varies based on ZIP code and underwriting class and is still subject to minor differences between companies and household discount eligibility.

What if I Can’t Afford a Medigap Plan?

We understand - not everyone can afford a $150–$200 monthly premium for a Medicare Supplement.

The good news is there are still safe, realistic options to consider.

Here's what we typically walk clients through when they’re struggling with Medigap affordability.

#1. Consider High-Deductible Plan G

Before abandoning Medigap altogether, take a close look at High-Deductible Plan G (HDG).

It’s a legitimate Medigap option with monthly premiums as low as $35-$55 in many Texas ZIP codes.

You’ll be responsible for up to $2,870 out of pocket before the plan starts paying, but this route still gives you:

• Freedom to see any Medicare doctor
  
• No networks or referrals
  
• Financial protection from major medical bills
  

Two carriers often offering the most competitive HDG rates in the state are Humana and Mutual of Omaha.

While other providers like Blue Cross Blue Shield of Texas and Cigna also offer HDG in many regions, their base premiums can be noticeably higher, making them less attractive to budget-conscious shoppers.

So, who is HDG a good fit for? The plan tends to appeal to several groups.

First, there are retirees who want the protection of Medigap without shelling out $150-$200 per month. They’re looking for peace of mind but prefer to manage upfront costs rather than commit to higher premiums.

Younger, healthier seniors aging into Medicare are also frequent HDG buyers - especially those with relatively predictable health care needs.

And for individuals who are already used to high-deductible plans from employer coverage, HDG feels like a natural transition.

But HDG isn’t for everyone. The plan comes with a $2,870 deductible (as of 2025), which applies to all Medicare-covered services.

That means enrollees must be prepared to pay out-of-pocket until they hit that threshold.

For some, this model offers flexibility and control - for others, especially those with ongoing or complex health issues, it may feel risky.

Ultimately, HDG offers a path for Texans to avoid Medicare Advantage plans while still keeping premiums manageable.

#2. Medicare Advantage (with Caution)

Medicare Advantage plans (Part C) often advertise $0 monthly premiums, which can be tempting.

But there are trade-offs:

• You’ll typically have network restrictions (HMO/PPO)
  
• Prior authorizations may be required for treatments or surgeries
  
• You’ll pay copays and coinsurance as you go - often over $9,000/year in out-of-pocket costs

We always advise comparing the fine print and being realistic about your healthcare needs before going this route. For some, it’s a decent fit - for others, it leads to surprise bills and frustration.

#3. Medicaid for Dual-Eligible Texans

If your income and assets are limited, you may qualify for Medicare and Medicaid (dual-eligible).

In this case:

• Medicaid can help cover premiums, deductibles, and copays
  
• You may qualify for a Medicare Savings Program or Extra Help with prescription drug costs
  

Contact the Texas Medicaid office or SHIP (see below) to find out if you qualify.

#4. Texas State Health Insurance Assistance Program (SHIP)

The Texas SHIP program offers free, unbiased help for Medicare beneficiaries who need assistance choosing a plan or applying for financial help.

• Get one-on-one counseling by phone or in person
  
• Learn about savings programs or coverage options based on your budget
  
• Visit: https://hhs.texas.gov and search for “SHIP” or “Benefits Counseling for Texans”
  

Summary

If Plan G or N are out of reach today, you still have smart, safe alternatives.

Whether it’s a High Deductible plan, Medicare Advantage (with careful review), or state/federal aid - we can help you explore the right option based on your health and budget.

Which Medicare Supplement Plan Is Right for You?

With three strong Medigap options available in Texas, the best fit really depends on your health, budget, and comfort level with cost-sharing.

Here's how we guide our clients when narrowing it down.

Plan G: Best for Comprehensive Coverage

This is the most popular plan in Texas.

Choose Plan G if:

• You want the most complete coverage available to new enrollees
  
• You visit the doctor often or see specialists
  
• You want predictable out-of-pocket costs and don’t want to worry about coinsurance, excess charges, or hospital deductibles
  

What you’ll pay: Just the small Part B deductible ($257 in 2025), then virtually nothing else for covered services.

Best fit for: Texans who value peace of mind, have ongoing health needs, or simply want to avoid surprise bills.

Plan N: Best for Low Premiums and Healthy Individuals

Plan N offers nearly the same benefits as Plan G - but with a few trade-offs in exchange for lower monthly premiums.

Choose Plan N if:

• You’re generally healthy and don’t visit the doctor frequently
  
• You’re okay with small copays (up to $20 for office visits, $50 for ER)
  
• You want to save money now, but still protect yourself from major medical costs
  

What you won’t get: Coverage for Part B excess charges (rare in Texas), and you’ll pay modest copays.

Best fit for: Budget-conscious individuals who want solid coverage with fewer bells and whistles.

High-Deductible Plan G: Best for Low Healthcare Utilizers

This plan works just like standard Plan G - but with a high deductible before benefits kick in.

In exchange, you’ll pay the lowest premiums available for any Medigap plan.

Choose HDG if:

• You rarely visit the doctor and only want coverage for major events
  
• You’d rather pay more out of pocket if needed, rather than paying high premiums every month
  
• You’re in excellent health and just want catastrophic protection
  

Annual deductible: $2,870 in 2025. After that, the plan functions exactly like Plan G.

Best fit for: Healthy seniors, especially younger retirees aging into Medicare who want to lock in low premiums.

Final Thoughts

For most Texans, Plan G remains the gold standard - offering the most complete coverage and peace of mind, especially when enrolled through trusted carriers like Blue Cross Blue Shield of Texas.

But that doesn’t mean it’s the right fit for everyone.

Plan N offers meaningful savings with only a few manageable copays, making it ideal for healthy individuals who don’t see the doctor often.

High Deductible Plan G (HDG) gives budget-conscious retirees coverage for catastrophic events at the lowest possible premium.

Ultimately, the best Medicare Supplement plan is the one that fits your lifestyle, health history, and financial comfort zone.

We help Texans compare these options every day - factoring in ZIP code, age, provider access, and long-term rate stability.

If you're unsure where to start, we’re here to guide you through it step-by-step.