Best Medicare Supplement Plans Houston

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated February 24th, 2024

When Houstonians search for Medicare Supplement Plans Houston, they’re faced with a dilemma: How do you choose the plan that offers the best value for your specific situation? In this article, we dissect Plans F, G, and N, the frontrunners in the region, to bring you a straightforward guide to finding your ideal match. You’ll get insider knowledge on what these plans mean for Houston residents specifically—because the right plan in this city is not just about coverage, it’s about smart, personalized choices.


Key Takeaways

  • Medicare Supplement insurance (Medigap) in Houston provides coverage for costs not covered by Original Medicare, with Plans F, G, and N being the most popular options offering different levels of coverage and costs.
  • Eligibility for Medicare Supplement plans in Houston requires coverage under Medicare Part A and B, and the best time to enroll is during the individual’s open enrollment period or when they have guaranteed-issue rights from specific events.
  • Financial considerations for Medicare Supplement enrollees include varying premiums based on age and plan, potential assistance through Medicare Savings Programs, and added benefits from private insurers for services like vision, hearing, and wellness.


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Understanding Medicare Supplement Insurance in Houston


Understanding Medicare Supplement Insurance in Houston


Medicare Supplement Insurance, also known as Medigap, is a private health insurance policy. Its purpose is to cover some or all of the costs that are not covered by Medicare Parts A and B. Medicare supplement insurance policies are regulated at both the federal and state levels, ensuring they comply with legal provisions designed to protect consumers. They step in to fill the ‘gaps’ left by Original Medicare, paying for services and charges after Medicare has paid its portion. This significantly reduces out-of-pocket costs for beneficiaries.

The degree to which individuals benefit from Medicare Supplement insurance depends on several factors. These include their budget, health status, and frequency of using medical services. Therefore, evaluating your healthcare needs and financial situation before selecting a plan is critical.


The Landscape of Medicare Supplement Plans Available in Houston


The Landscape of Medicare Supplement Plans Available in Houston


In the bustling city of Houston, three Medicare Supplement plans stand out from the crowd as the best Medicare Supplement plans – Plans F, G, and N. They are the most popular Medicare Supplement insurance plans among residents, offering comprehensive coverage with varying costs.

It is beneficial to examine each plan’s specifics and comprehend its unique advantages.


Plan F: In-Depth Look at Benefits and Availability

Plan F, often hailed for its comprehensive coverage, is a preferred choice among eligible Houston residents. It covers a broad spectrum of costs, including:

Nonetheless, the eligibility for Plan F is restricted. Only those who were eligible for Medicare on or before January 1, 2020, or were already enrolled in Plan F before that date, have access to this plan. Plan F comes in a standard form, as well as a Medicare-Select option through BCBSTX that offers cost savings for services within the network.

Thanks to its comprehensive coverage and network freedom, Plan F remains popular among beneficiaries in Houston, reflecting the high demand for quality plans in Texas.


Plan G: Comprehensive Coverage with a Twist

Plan G has emerged as a popular alternative to Plan F for new beneficiaries. With 44.7% of Texas’s Medicare Supplement enrollees opting for it as of 2021, Plan G’s popularity is undeniable. This plan offers comprehensive coverage including:

  • Part A deductible
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part B coinsurance or copayments
  • Part B excess charges
  • 80% of foreign travel exchange costs are post-deductible.

The twist? Plan G does not cover the Part B deductible, which remains the responsibility of the enrollee. This slight difference from Plan F has, however, not affected its growing appeal, making it a suitable alternative for new beneficiaries who cannot access Plan F.


Plan N: Balancing Cost and Coverage

Moving on to Plan N, it serves as a cost-effective alternative for residents of Houston. Plan N covers:

  • Part A coinsurance and hospital costs up to an additional 365 days after Original Medicare benefits are exhausted
  • Part B coinsurance
  • The first three pints of blood
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance

However, it requires a copayment for some office visits and emergency room visits but covers 100% of the Part B coinsurance otherwise.

While it pays for the Part A deductible, Medicare Supplement Plan N does not cover the Part B deductible. This plan also does not include an out-of-pocket spending limit, which may lead to potentially higher costs depending on healthcare usage. That said, compared to Plans F and G, Plan N offers lower monthly premiums, making it a balanced choice between cost and coverage.


Enrollment and Eligibility for Houstonians


Enrollment and Eligibility for Houstonians


When it comes to enrollment, timing is everything. The ideal time for Houston residents to enroll in Medicare Supplement Plans is during the open enrollment period. This period begins when an individual is at least 65 years old and enrolled in Medicare Part B, lasting for six months. To be eligible for these plans, individuals must be covered under Medicare Part A and B.

Enrolling in a Medicare Supplement plan involves selecting the desired standardized plan, marked by letters A-N, and contacting an insurance company for an official quote. However, outside of open enrollment, Houstonians can change their Medicare Supplement plans when they have guaranteed-issue rights. This is usually tied to specific events such as losing other health insurance coverage.

It’s also worth noting that Medicare Supplement policies might be unnecessary for residents with other forms of coverage such as:

  • Medicare Advantage
  • Medicaid
  • Employer group health plans
  • Those who continue working past 65 with group health benefits.


Comparing Monthly Premiums for Medicare Supplement in Houston


Comparing Monthly Premiums for Medicare Supplement in Houston


Monthly premiums for Medicare Supplement plans vary based on age, plan type, and insurance company. For instance, a 65-year-old non-smoker in Texas will pay an average of $140 per month for Plan G, which increases to an average of $153 per month at age 70. The monthly premium for Medicare Supplement Plan F for a 65-year-old female non-smoker in Houston ranges from $146.50 to $399.25, demonstrating a significant variation in prices.

Companies like Mutual of Omaha and Cigna offer competitive rates for Plans G and N respectively, reflecting competitive pricing in America’s health insurance plans. Therefore, when comparing monthly premiums, it’s important to take these factors into account and select a plan that aligns with your budget, as advised by insurance commissioners.


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Selecting the Right Insurance Company for Your Medicare Supplement Plan

Selecting the Right Insurance Company for Your Medicare Supplement Plan


Selecting the appropriate insurance company for your Medicare Supplement plan is another significant aspect to ponder over. Factors to consider include:

  • The company’s financial strength ratings
  • Customer feedback
  • Competitive rates
  • Community pricing strategies

These factors are essential to ensure the company can meet its financial commitments and provide high-quality customer service.

Private insurance companies like Mutual of Omaha are known for high customer satisfaction and offer additional benefits, enhancing the overall value of a Medicare Supplement plan. Moreover, insurance company reliability can be gauged by reviewing their history of rate increases. Companies with lower or moderate rate hikes indicate more stability.


How Prescription Drug Coverage Works with Medicare Supplement Plans

Take note that Medicare Supplement plans do not include prescription drug coverage. You must purchase a separate Medicare Part D plan if you need prescription drug coverage. This plan provides assistance with the costs of prescription medications. Individuals enrolled in Medicare Part A and/or Part B are eligible to enroll in a Medicare Part D prescription drug plan. This can be done through the Medicare Plan Finder or by contacting 1-800-MEDICARE.

Part D plan costs vary by plan and include premiums, which start as low as $6.90 in 2023, and may also have an annual deductible and other copayment obligations. Beneficiaries in Texas have 27 different Part D plans to choose from, some of which participate in the Part D Senior Savings Model that offers lower out-of-pocket costs for insulin.


Maximizing Your Medicare Benefits in Houston

Living in Texas comes with its own set of advantages, especially when it comes to Medicare. The state provides resources such as the State Health Insurance Assistance Program (SHIP) and the Texas Department of Insurance to assist residents in optimizing their Medicare benefits. The Texas Health Information, Counseling, and Advocacy Program (SHIP), a part of the state’s offered resources, provides free assistance in choosing the appropriate Medigap plan for individuals’ needs.

These state resources also help Medicare beneficiaries determine their eligibility for financial assistance towards their Medigap plan. Therefore, be assured that ample support is available in Houston to maximize your Medicare benefits.


Navigating Healthcare Providers with Medicare Supplement Plans

A Medicare Supplement plan ensures that you can retain your trusted healthcare provider without any concerns. Enrolling in one of these supplement plans in Texas allows Houston residents to retain their current healthcare providers without switching. Beneficiaries can opt for network-free Medicare Supplement plans such as Medigap Plan F, ensuring they can visit any doctor or specialist that accepts Medicare without network restrictions.

The benefits of these plans include:

  • The flexibility to visit specialists whenever needed
  • Generally lower out-of-pocket costs when choosing physicians who accept Medicare assignment
  • Medicare provider search tools are available to help enrollees find and compare providers who accept Medicare, ensuring they receive care from their chosen doctors.


Financial Considerations for Medicare Supplement Enrollees in Houston

Financial considerations hold significant importance when deciding on a Medicare Supplement plan. In Texas, insurance companies can increase Medicare Supplement rates based on age. For instance, a 75-year-old may potentially pay 32% more than a 65-year-old, although rates tend to stabilize after age 75. Moreover, Medicare Supplement Plan F premiums can be conveniently deducted from pension checks, simplifying payment for enrollees.

Eligible individuals may receive assistance for Medicare costs through Medicare Savings Programs, which can cover monthly payments, co-pays, and deductibles based on income and resource limits. However, high deductible versions of Plans F and G require enrollees to pay a more significant deductible before coverage starts, impacting their out-of-pocket expenses in the federal Medicare program.

In addition, Plans K and L offer out-of-pocket limits, after which the plan covers 100% of approved services. Lastly, enrollees of Medicare Supplement Plan N may incur additional copay costs, such as a $20 payment for doctor’s office visits.


Supplemental Coverage for Special Health Needs

Certain insurance companies offer supplemental coverage for individuals with special health needs. For instance, Mutual of Omaha partners with EyeMed Vision to provide $50 savings on eye exams and 40% off glasses frames. For hearing health, Mutual of Omaha offers discounts on hearing tests and hearing aids through Amplifon Hearing, along with a 60-day trial period for hearing aids.

Beyond standard health benefits, Mutual of Omaha also promotes overall wellness by providing discounts on services like massage therapy and acupuncture, as well as discounted gym memberships through its Mutually Well program. This way, you not only get your regular healthcare needs covered but also get help in maintaining overall wellness.


Transitioning from Medicare Advantage to Medicare Supplement in Houston

Transitioning from Medicare Advantage to Medicare Supplement in Houston encompasses several steps. First, you must drop your Medicare Advantage plan and return to Original Medicare Part A and B before you can apply for a Medicare Supplement insurance plan. The primary times to leave a Medicare Advantage plan and switch to a Medigap plan are during the Medicare Advantage Open Enrollment Period (OEP) from January 1 to March 31, and the Annual Election Period (AEP) from October 15 to December 7.

Certain situations may provide you with the opportunity to switch to Original Medicare and obtain time-limited guaranteed-issue rights for a Medigap plan. For instance, if you:

  • move out of your Medicare Advantage plan’s service area
  • your plan stops serving your area
  • during the first 12 months of joining a Medicare Advantage plan, if you decide you are not satisfied

You are entitled to short-term guaranteed-issue rights when switching to Original Medicare and a Medigap plan. However, without guaranteed-issue rights, insurance companies might perform medical underwriting, potentially leading to higher premiums or denial of coverage.

Lastly, Medigap plans available with guaranteed-issue rights outside the Initial Enrollment Period might be limited based on state regulations.



Navigating the world of Medicare Supplement plans doesn’t have to be daunting. With a clear understanding of the different plans available, their benefits, costs, and how they work, you can make an informed decision that best suits your healthcare needs and financial situation. Whether it’s Plan F with its comprehensive coverage, Plan G as a close alternative to Plan F, or Plan N with its balance between cost and coverage, the choice is yours.

Remember, the key to smart healthcare planning lies in understanding your needs, doing your homework, and leveraging available resources. Medicare Supplement plans could be your ticket to a worry-free healthcare experience. So weigh your options, make your choice, and step into a secure healthcare future.

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Frequently Asked Questions

How much does a Medicare Supplement plan cost in Texas?

In Texas, Medicare Supplement plan costs range from $29 per month for a high-deductible Plan G to $1,887 for the highest-cost Medigap Plan A. The most popular plans, including G, F, and N, typically range from $102 to $175 per month.


What is the most popular Medicare Supplement plan for 2023?

The most popular Medicare Supplement plan for 2025 is Medigap Plan G. This plan offers standardized coverage and is recognized as the top choice among beneficiaries.


What are the disadvantages of a Medicare Supplement plan?

The disadvantages of a Medicare Supplement plan include limitations on coverage for services such as vision, dental, and hearing, as well as potential restrictions on where you can get care.


Which Medicare Supplement plan has the highest level of coverage?

Plan F is the most comprehensive Medicare supplement plan, providing the highest level of coverage by covering Medicare deductibles, copays, and coinsurance, leaving beneficiaries with no out-of-pocket expenses throughout the year.


What is the best time to enroll in Medicare Supplement Plans in Houston?

The best time to enroll in Medicare Supplement Plans in Houston is during the open enrollment period, which begins when you are at least 65 years old and enrolled in Medicare Part B, lasting for six months.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the best Medicare Supplement Plans in Houston, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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