Medigap plans in Texas (Medicare Supplement Plans) are offered to help pay for the gaps, or costs, that are not covered by 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.
Although there are 12 different Medigap plans in Texas available, most people just enroll in some of the more popular ones.
Popular Medigap Plans in Texas are:
- Medigap Plan G
- Medigap 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
Medigap Plan G in Texas
Medigap Plan G is by far the most popular Medicare Supplement Plan in Texas for people new to Medicare. This is because it has terrific coverage and just one small deductible to pay.
With Medigap Plan G you only have one out-of-pocket expense each year, and that is the Medicare Part B deductible. This deductible was $233 in 2022.
So once you pay the first $233 of your medical bills, Medicare Part B pays 80% and Plan G pays the rest. Up to no limit.
Medigap Plan N in Texas
Another plan that is rising in popularity in Texas is Medigap plan N. Medigap Plan N has lower premiums than Plan G, and almost the same coverage with some small differences.
On Medigap 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
Medigap Plans in Texas 2023
Medigap Plans and benefits are not going to change at all in 2023. There are
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.
Medigap Plans in 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.
Medigap Plan G offers the best coverage for those new to Medicare, with just one small deductible. Medigap 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 Medigap 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 for 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 Medigap Insurance companies in Texas are:
- Mutual of Omaha
- Aetna,
- Cigna
- Humana
- 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.
