Medicare Supplement plans in Texas (Medigap) help to pay the gaps, or expenses, in Medicare Part A and Part B.
We are based in Austin, TX, and have been helping people on Medicare for the last 15 years enroll in Medicare plans and save them money each year.
There are currently 12 different Medicare supplement plans in Texas, however, there really are just a few plans that most people enroll in.
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The Best Medicare Supplement Plans in Texas are:
- Medicare Plan G
- Medicare Plan N
- Medicare Plan F*
- High-Deductible Plan G
*Medicare Plan F is no longer available to people eligible for Medicare on January 1st of 2020 or later
Medicare Supplement Plan G in Texas
Medicare Plan G is by far the most popular Medigap Plan in Texas, due to its great coverage with just one low deductible to pay each year.
With Medicare Supplement Plan G your only out-of-pocket expense to pay is the annual Medicare Part B deductible. This was $233 in 2022 and may even go down slightly in 2023.
Medicare Supplement Plan N in Texas
Another extremely popular Medigap plan in Texas is Medicare Supplement Plan N. This plan has lower premiums than Medicare Plan G but also has a few out-of-pocket expenses that you might be required to pay.
On Plan N, you still pay the annual Medicare Part B deductible just as you do with Plan G. After that, you might have some additional costs such as:
- Up to a $20 co-pay for doctor’s visits (telehealth visits don’t apply)
- A $50 co-pay if you visit the emergency room and you’re not admitted (Urgent care visits don’t apply)
- Part B excess charges not covered – These are extremely rare
Medicare Supplement Plans in Texas 2023
Medicare Supplement Plans and benefits are not changing for 2023. There will still be the same 12-plan lineup, though premiums might change slightly.
It’s important to note that if you’ve been with the same Medigap insurance company for 2 years or more there is likely a lower premium that you could be paying. Rate increases each year vary by company, with some having much larger increases each year.
Using our website you can check the rates for FREE and see if you’re currently paying too much.
Best Medicare Supplement Plans Texas
When it comes down to it, the “best” Medicare supplement plan is the one that you’re comfortable with in terms of benefits and monthly premium.
Medicare Plan G offers the best coverage for those new to Medicare, with just one small deductible. Medicare Plan N is a close second but costs less, and is great for those who don’t mind some small co-pays or for people who are very healthy and don’t visit their doctor often.
By using our website you can check the cost between Plan G and Plan N in your area to see how much you can save.
Companies Offering Medicare Supplement Plans in Texas
There are several companies in Texas offering Medigap plans. The most important thing to keep in mind is that they all offer the same plans, with the exact same benefits. Their monthly rates for these plans are all different though.
And, each company has rate increases every year.
We make it easy as we shop all the top companies to make sure you’re not overpaying on your Medicare supplement insurance, and we do this every year for our clients for FREE.
Some of the Popular Medicare Supplement companies in Texas are:
- Mutual of Omaha
- United Healthcare
- Philadelphia American
How to Enroll
The easiest way to enroll in a Medicare supplement plan in Texas is to just give us a call at 1-888-891-0229. We’re right here in Austin and our experienced, licensed agents can answer all of your questions and find you the best Medigap plan and company, for the lowest cost.
We’ll help you every year to make sure you’re in the right spot with all of your Medicare Coverage. Or click below to get started.