The Best Texas Medicare Supplement Plans (2022)

Medicare Supplement plans, otherwise known as Medigap plans, can help address the gaps in Original Medicare plans. In Texas, there are 10 Medicare Supplement plans provided by private insurers, with Aetna and UnitedHealthcare considered the best overall. However, note that you cannot buy both a Medigap and Medicare Advantage plan, as Medicare Advantage Plans in Texas will replace your entire Medicare plan — including Original Medicare.

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Last Updated: 6/24/2022
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On average, Medicare Supplement plans cost $135 per month for 65-year-olds and $212 per month for 75-year-olds. Due to their comprehensive coverage, the most popular plans are Plan F (which costs an average of $201 per month) and Plan G ($145 per month). However, Plan F is only available to those who were eligible for Medicare before 2020.

Plan N is the next most popular plan, with an average cost of $110 per month. This plan offers similar coverage but does not address Part B deductibles or excess charges.

MoneyGeek’s methodology for comparing Medicare Supplement plans in Texas focused on the average premiums and benefits of these three plans to determine the best options. If you’d like to learn more about the different types of plans and coverage, see how to pick the best Medicare Supplement plan.

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Best Medicare Supplement Plans in Texas

Best Medicare Supplement Plan G in Texas

Aetna offers the best Medigap Plan G in Texas at an average cost of $135 per month. Note, however, that MoneyGeek only ranked companies that provided online quotes. There may be Medicare Supplement plan providers in Texas who do not have online quotes that offer better rates and plans for your needs.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $134.72

In Texas, Medigap Plan G from Aetna costs $134.72 per month on average, far cheaper than the $178.60 average cost of Plan G in the state. Aetna's Plan G covers foreign travel emergency care if it occurs within 60 days of your trip and is not otherwise covered by Medicare.

You can also opt for Aetna's high-deductible Plan G. You’ll pay out-of-pocket for Medicare-covered expenses (coinsurance, copayments and deductibles) up to a deductible of $2,490, but your monthly premium will be lower. Contact Aetna to get a quote.

MORE ABOUT PLAN G IN TEXAS

Navigate to learn more about Medigap Plan G in Texas, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Texas

Plan G costs $178.60 per month on average in Texas, but actual premiums can vary by provider. For instance, Aetna offers the most affordable Plan G in Texas for 65-year-olds at a monthly average of $134.70, whereas Cigna has the most expensive plan at $174.60. That’s a difference of $40 per month.

Costs can fluctuate depending on how old you are when you buy, your current age, discounts and medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $135
  • UnitedHealthcare
    $138
  • Cigna
    $175

Providers Offering Plan G in Texas

Forty-seven providers offer Plan G in Texas, but not all show online quotes. To help you find one that fits your needs, MoneyGeek collected the contact information for all Medicare Supplement plan providers in Texas. MoneyGeek also lays out the pricing methods of each provider so you can see which may charge more depending on your age.

Providers Offering Plan G in Texas

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Amerigroup
    1-800-852-5864
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age

What Does Plan G Cover?

Regardless of the plan, all Medigap policies follow a standard and must meet specific coverage requirements. Although Plan G is comprehensive, it does not cover Part B deductibles (unlike Plans C and F). Depending on your provider, you might receive additional benefits outside of the standard offer, such as Aetna’s Foreign Travel Emergency.

Required Benefits of Plan G in Texas
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Texas

In Texas, Aetna is also the best provider for Medigap Plan F, costing an average of $213 per month. Aetna also offers a high-deductible Plan F, which can lower your monthly premiums to $48.

Note that MoneyGeek only gathered information from companies in Texas that provide online quotes. Providers that do business via phone or email may offer better rates.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $213.27

Plan F from Aetna costs an average of $213.27 per month, which is slightly more expensive than the average cost of the same plan in Texas. The company also offers additional benefits, such as Foreign Travel Emergency, which can help pay for emergency care wherever you are in the world.

Seniors on a budget may also benefit from Aetna’s high-deductible Plan F, which can lower premiums to an average of $48.03 per month. This is if you agree to pay out-of-pocket for Medicare-related costs — such as your coinsurance, copayments and deductibles — until you reach a $2,490 deductible.

MORE ABOUT PLAN F IN TEXAS

Navigate to learn more about Medigap Plan F in Texas, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Texas

On average, Medigap Plan F costs $201 per month in Texas. Actual rates can vary based on several factors, such as your chosen provider, your current age, your age when you purchased the plan, available discounts and medical underwriting factors.

For instance, for 75-year-olds in Texas, the most affordable Plan F provider is Aetna, whose monthly premiums average $136.50. On the other hand, UnitedHealthcare has the most expensive premium at $293.70. That’s a significant difference of $157.20 per month.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $110

Providers Offering Plan F in Texas

Forty-seven providers offer Medigap Plan F in Texas, but not all are accessible online. To help you find the service that best suits your needs, MoneyGeek collected the contact information and pricing schemes of all Medicare Supplement plan providers in Texas.

Providers Offering Plan F in Texas

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Amerigroup
    1-800-852-5864
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age

What Does Plan F Cover?

Plan F is a comprehensive plan that is standardized across providers — all providers must ensure their Plan F offers certain benefits. However, some provide additional features to attract consumers. For instance, Aetna features Foreign Travel Emergency care, while UnitedHealthcare provides discounts for dental, vision and hearing.

Required Benefits of Plan F in Texas
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Texas

For seniors in Texas looking for Medigap Plan N, Aetna is once again the best provider. Note that not all providers in Texas appeared in MoneyGeek’s comparison — you may find better rates and offers from providers who don’t have quotes available online and must be contacted by phone or email.

mglogo
MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $94.20

Compared to the $138 average cost of Plan N in Texas, Aetna’s Plan N is far more affordable. Aetna even offers benefits outside of the standard Plan N requirements, such as Foreign Travel Emergency. This ensures that your Aetna Medicare Supplement plan will cover you if you require emergency medical assistance while out of the country.

MORE ABOUT PLAN N IN TEXAS

Navigate to learn more about Medigap Plan N in Texas, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Texas

The monthly average of Plan N in Texas is $137.60, but your actual rate will vary based on your provider and several other factors, including your age, discounts and medical underwriting.

For a 65-year-old living in Texas, the cheapest provider of Plan N is Aetna, with premiums averaging $94.20 per month. Cigna is the most expensive plan N provider, with premium rates averaging $117.60 per month. That’s a variation of roughly $23 per month.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $94
  • UnitedHealthcare
    $113
  • Cigna
    $118

Providers Offering Plan N in Texas

There are 44 providers in Texas that offer Plan N. Note that not all providers offer quotes online, making it more challenging to compare Medicare Supplement plans in Texas.

MoneyGeek collected contact information from all Plan N providers in Texas to help you find the best one for your needs. We also show their pricing methods so you can learn which ones may charge more based on your age.

Providers Offering Plan N in Texas

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Amerigroup
    1-800-852-5864
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • HCSC
    312-653-6000
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age

What Does Plan N Cover?

Like all Medigap policies, Plan N is standardized and must include a minimum of certain benefits such as Part A coinsurance and deductibles. Providers can also include any additional features at their discretion. For example, Aetna offers additional Foreign Travel Emergency coverage, while UnitedHealthcare offers dental, vision and hearing discounts.

Required Benefits of Plan N in Texas
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Texas: Other Plan Types

There are several other Medicare Supplement plans available in Texas. These plans — which include Plans A, B, C, D, K, L and M — are less popular due to their less comprehensive protection.

Based on our criteria for affordability and coverage, MoneyGeek identified the best options for each plan type if quotes were available. The companies that provided quotes online were UnitedHealthcare, Aetna and Cigna.

Note that people who first became eligible for Medicare after January 1, 2020, will not be able to purchase Plan C in Texas or elsewhere.

The Best Medicare Supplement in Texas - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Aetna

    $124.11

  • B

    Aetna

    $129.68

  • C

    UnitedHealthcare

    $348.42

  • F

    Aetna

    $213.27

  • G

    Aetna

    $134.72

  • K

    UnitedHealthcare

    $65.27

  • L

    UnitedHealthcare

    $114.68

  • N

    Aetna

    $94.20

How to Find the Best Medicare Supplement Plans in Texas

Given the complexity, it can be taxing to determine which Medicare Supplement plan is best for your needs. To help you compare Medigap Plans in Texas, MoneyGeek created a comparison chart with all plan types from our collected pricing data and analysis.

Texas Medicare Supplement Plans Comparison Chart

All Medigap plans have different levels of coverage — a plan may cover some or all coinsurance or deductibles. The availability of some plans depends upon when you became eligible for Medicare. Generally, Plan F and Plan C are the most comprehensive plans, but these are no longer available to new enrollees as they’ve been replaced by Plan G and Plan D.

Use the chart below to compare coverages and average rates across various Medicare Supplement plans.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Texas

The cost of a Medigap plan varies based on the plan type and provider. The most affordable company for most plan types in Texas is Aetna, but UnitedHealthcare offers the most affordable rates for Plans K and L.

Rates can also vary based on pricing style:

  • Attained-Age: This is the most common pricing style among providers in Texas. With this pricing style, providers base premiums on your current age (or the age you’ve “attained”). This means that as you grow older, your rates will increase.
  • Issue-Age: This is where providers base premiums on the age you are when you buy your plan. This is the next most common pricing plan in Texas.
  • Community-Rated: Community-rated plans are where providers charge the same monthly premium regardless of age.
Average Cost of Medicare Supplement in Texas

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • Aetna
    $124
  • Cigna
    $162
  • UnitedHealthcare
    $222

FAQs About Medicare Supplement Plans in Texas

Below are some of the most commonly asked questions about Medicare Supplement plans in Texas.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Texas for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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