Medicare Supplement Plan G in Texas: Cost and Coverage

Medicare Supplement Plan G is one of the most comprehensive Medigap options available to Texas beneficiaries. It works with Original Medicare to cover many of the hospital and outpatient costs that Medicare leaves for you to pay.

Plan G benefits are standardized, but premiums can vary considerably by location and insurance company. This guide explains how Plan G works, what it covers, what it costs across Texas, and how to decide whether its balance of premium and coverage is right for you.

Key Takeaways

• Plan G covers Medicare-approved cost-sharing after you meet the annual Medicare Part B deductible.
• You can use Plan G with any doctor, specialist, or hospital in the United States that accepts Medicare.
• In our 20-county comparison, average monthly premiums range from approximately $198 to $246 for a 65-year-old female non-tobacco applicant.
• Plan G benefits are standardized, but premiums, discounts, rate history, and service can differ between insurance companies.

How Does Medicare Supplement Plan G Work?

Medicare Supplement Plan G adds a second layer of coverage to Original Medicare. It does not replace Medicare or change how you receive your Part A and Part B benefits.

When you receive a Medicare-approved service, Medicare reviews the claim and pays its portion first. The remaining eligible cost is then sent to your Plan G insurance company. Plan G pays the deductibles and coinsurance included in its standardized benefits, leaving you only responsible for the annual Medicare Part B deductible.

Plan G does not have its own provider network. You can receive care from any doctor, specialist, or hospital in Texas - or elsewhere in the United States - that accepts Medicare.

Your Plan G premium is separate from your Medicare Part B premium. You will also need a standalone Medicare Part D plan because Medigap policies do not include outpatient prescription drug coverage.

What Does Medicare Supplement Plan G Cover?

Plan G covers all of the cost-sharing associated with Medicare-approved hospital and outpatient services aside from the Part B deductible. Its benefits are standardized, so the medical coverage is the same regardless of which Texas insurance company sells the policy.

Plan G does not expand what Original Medicare covers. The service must be approved by Medicare before Plan G will help with the remaining cost.

What Does Medicare Supplement Plan G Not Cover?

Plan G is designed to supplement Original Medicare, not provide every type of healthcare coverage. Services that Original Medicare does not normally cover are not covered by Plan G either.

The annual Part B deductible is also left for you to pay before Plan G begins covering your eligible Part B cost-sharing.

For Medicare-approved services, the Part B deductible is the primary medical cost left by Plan G. You may still have additional expenses for noncovered care, separate insurance premiums, and foreign emergency services that exceed the plan’s limits.

How Much Does Medicare Supplement Plan G Cost in Texas?

Medicare Supplement Plan G premiums vary throughout Texas. Although every Plan G policy provides the same standardized medical benefits, insurance companies set their own rates.

Your premium can depend on your age, gender, ZIP code, tobacco status, insurance company, and eligibility for discounts. The table below compares Plan G premiums across 20 Texas counties using one representative ZIP code in each county.

Each county is represented by one ZIP code, and each average includes 22 available Plan G rate options. Household and other conditional discounts are not included. A separate AARP–UnitedHealthcare Level 2 underwriting rate was excluded to keep the comparison consistent.

What the Sample Rates Show

The sample county averages range from approximately $198 to $246 per month. El Paso has the lowest average in this comparison, followed closely by Travis County. Harris, Montgomery, Brazoria, and Galveston have the highest averages.

The differences between insurance companies within the same location can be even greater. In Harris County, for example, the sampled premiums range from approximately $198 to $275 per month—a difference of more than $757 for the same standardized Plan G medical benefits.

These results demonstrate why comparing multiple companies is important. The lowest initial premium is not automatically the best long-term option, but comparing rates, discounts, financial strength, rate history, and customer service can help you avoid paying considerably more for identical Plan G benefits.

Rate disclaimer: These premiums are examples for educational and comparison purposes and are not guaranteed quotes. Rates are based on one applicant profile and one representative ZIP code in each county. Actual premiums may vary by ZIP code, age, gender, tobacco status, insurer, underwriting class, policy effective date, and available discounts. Carrier availability and premiums can change.

Is Medicare Supplement Plan G Right for You?

Plan G may be a good fit if you prefer knowing what your medical costs will look like before you receive care. Once you meet the annual Medicare Part B deductible, the plan generally covers the remaining Medicare-approved cost-sharing included in its benefits.

Plan G may be worth considering if you:

• Want fewer unexpected medical bills
• Visit doctors or specialists regularly
• Want protection from Medicare Part B excess charges
• Travel frequently or spend time outside Texas
• Are comfortable paying a higher premium for less cost-sharing when you receive care

Plan G is not automatically the right choice for everyone. If keeping your monthly premium lower is the priority, Plan N may be worth comparing. You will accept possible office and emergency room copays and no coverage for Part B excess charges in exchange for potential premium savings.

High Deductible Plan G may appeal to someone who wants to keep the lowest monthly premium and is comfortable paying more toward Medicare-covered expenses before the policy begins paying.

The decision ultimately comes down to how you want to pay for healthcare: more through a predictable monthly premium or more out of pocket when you use medical services.

How to Enroll in Medicare Supplement Plan G in Texas

To enroll in Plan G, you must first have Medicare Parts A and B. You can then compare policies available in your Texas ZIP code and submit an application through an insurance company or licensed Medicare agent.

The best time to apply is generally during your six-month Medigap Open Enrollment Period. This period begins the first month you are 65 or older and enrolled in Medicare Part B. During this window, an insurer cannot deny coverage or charge more because of your health history.

You can apply for Plan G later, but medical underwriting may be required unless you have a guaranteed-issue right. Texas beneficiaries under 65 generally receive a state-protected Medigap enrollment opportunity for Plan A rather than Plan G, so their available options may be more limited.

Note: Starting September 1, 2025, an individual with ESRD or ALS who becomes eligible for Medicare before age 65 must be offered the same coverage offered to those 65 and older, at the same rates for Plans A, B, and D, and at no more than 200% higher rates for all other plans. No medical underwriting, waiting period, or preexisting condition limitation may be imposed

How Popular Is Medicare Supplement Plan G?

Plan G has become the leading Medicare Supplement plan nationally and remains a popular choice in Texas. AHIP’s latest national enrollment report, based on 2024 data, found that Plan G accounted for 43% of all Medigap enrollment.

Its popularity has grown partly because people who became eligible for Medicare on or after January 1, 2020, cannot purchase Plan F. Plan G provides nearly the same standardized coverage, with beneficiaries paying the annual Medicare Part B deductible themselves.

What Are the Alternatives to Plan G?

Plan N and High Deductible Plan G are two common alternatives for Texans who want to lower their monthly Medigap premium.

Plan N provides many of the same benefits as Plan G but requires copayments of up to $20 for certain office visits and $50 for emergency room visits that do not result in an inpatient admission. It also does not cover Medicare Part B excess charges.

High Deductible Plan G offers the same standardized benefits as regular Plan G after you meet the plan’s annual deductible. In 2026, that deductible is $2,950. The monthly premium is generally much lower, but you accept more upfront costs when you receive care.

Medicare Advantage is another option, but it is an alternative way to receive Medicare benefits rather than a Medicare Supplement plan. These plans may include prescription drug coverage and additional benefits, but provider networks, copayments, prior authorization, and other plan rules apply.

The right choice depends on how you prefer to balance your monthly premium with the amount you may pay when you use medical services.

Final Thoughts

Medicare Supplement Plan G offers broad coverage for Texans who want fewer out-of-pocket expenses when they receive Medicare-approved care. After you meet the annual Part B deductible, the plan covers the remaining cost-sharing included in its standardized benefits.

Because the medical benefits are the same from every company, choosing a Plan G policy largely comes down to premium, discounts, rate history, financial strength, and customer service. Comparing several insurers available in your Texas ZIP code can help you find coverage that fits both your current budget and long-term needs.