Compare Plan G, Plan N, High-Deductible Plan G and available Texas insurers with help from an independent Medicare agency. We explain rates, discounts, underwriting and enrollment rights — without call-center pressure.
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Medicare Supplement insurance, also called Medigap, is private insurance that works with Original Medicare. It can help pay certain deductibles, copayments and coinsurance left by Medicare Part A and Part B. Lettered plans are standardized, so the medical benefits of one company's Plan G are the same as another company's Plan G. Premiums, discounts, underwriting and company service can still differ.
Texas regulators confirm that Medigap works only alongside Original Medicare, while the standardized benefits themselves are established federally — policies are then sold by private insurers licensed in Texas.
Compare Options
Broad standardized benefits. Doesn't pay the annual Part B deductible. Often considered by people who prioritize predictable medical costs over the lowest possible premium.
Explore Plan GMay carry a lower premium than Plan G. Certain office-visit and non-admitted ER copayments may apply, and Plan N doesn't cover Part B excess charges.
Explore Plan NA lower-premium structure. You pay Medicare-covered costs out of pocket until you reach the plan's 2026 annual deductible of $2,950, then the plan pays.
Learn MoreBroad legacy coverage, including the Part B deductible. Only available to people who became eligible for Medicare before January 1, 2020.
Learn MoreNot an option for newly eligible beneficiaries.
At A Glance — 2026 Amounts
| Feature | Plan G | Plan N | High-Deductible Plan G | Plan F |
|---|---|---|---|---|
| New-to-Medicare eligibility | Yes | Yes | Yes | No — before 1/1/2020 only |
| 2026 Part A deductible ($1,736) | Covered | Covered | Applies to plan deductible | Covered |
| 2026 Part B deductible ($283) | Beneficiary pays | Beneficiary pays | Applies to plan deductible | Covered |
| 2026 plan deductible ($2,950) | — | — | Beneficiary pays until met | — |
| Office-visit copay | None | May apply (small, flat copay) | None, once deductible met | None |
| Emergency-room copay | None | May apply if not admitted | None, once deductible met | None |
| Part B excess-charge benefit | Covered | Not covered | Covered, once deductible met | Covered |
| Foreign travel emergency | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits |
| Typical premium direction | Higher | Lower than Plan G | Lowest of the group | Highest of the group |
| Upfront cost exposure | Lower | Low to moderate | Higher, until deductible met | Lowest |
Swipe to compare all plans.
Deductible figures are the official 2026 CMS amounts and update annually; they're national, not Texas-specific. Premium tendencies are general — actual pricing depends on the insurer, ZIP code, age, and other underwriting factors.
Direct Answer
There is no single Medicare Supplement plan or insurance company that is best for every Texas resident. Plan G may appeal to someone who wants broad, predictable coverage. Plan N may appeal to someone who wants a potentially lower premium and is comfortable with limited copayments and no Part B excess-charge benefit. High-Deductible Plan G may fit someone willing to accept greater upfront exposure in exchange for a lower monthly premium.
Choose the plan letter.
Compare companies offering it.
Review current premiums and discounts.
Consider underwriting and long-term affordability.
Working With an Agent
A Texas Medicare Supplement agent can help you compare the same standardized plan across different insurance companies. An independent agent may represent several insurers rather than just one carrier. The agent can explain premiums, household discounts, enrollment rights, health questions, and the separate Part D coverage that often accompanies a Medicare Supplement plan.
| Independent Medicare agent | Captive insurance agent |
|---|---|
| May compare several represented companies | Represents one company |
| Can compare the same plan letter at different rates | Compares options within that carrier |
| Can discuss company and underwriting differences | Specializes in the carrier's own products |
| Availability depends on appointments | Limited to the carrier represented |
Texas encourages consumers to verify that both the agent and the company are licensed, and to work with an agent they know and trust. Be cautious of pressure tactics or being rushed into replacing an existing policy before a new one is approved. You can verify an agent or insurance company through the Texas Department of Insurance →
A Medigap policy doesn't include outpatient drug coverage. We can coordinate a separate Part D comparison so the Supplement and drug-plan decisions are reviewed together.
Pricing
Texas Medicare Supplement premiums vary by plan letter, insurer, age, ZIP code, sex where used, tobacco status, household-discount eligibility and enrollment circumstances. Because the benefits of each lettered plan are standardized, meaningful comparisons should use the same applicant profile and the same plan letter — Medicare itself advises comparing the same plan letter across companies, since premiums can differ significantly for identical standardized coverage.
What affects your Texas premium
Because so many variables affect price, one statewide number can't answer "What does Medigap cost in Texas?" — rates in Houston, Dallas, San Antonio, Uvalde or another Texas ZIP code may differ.
The most accurate way to see real numbers for your ZIP code and situation is a short conversation with a licensed Texas agent.
Compare Current Texas RatesExample Texas rates: Uvalde ZIP code 78801
For a female, age 65, non-tobacco applicant using standard rates, verified as of July 24, 2026:
| Plan | Lowest rate found | Highest rate found |
|---|---|---|
| Plan G | $113.42/month | $297.30/month |
| Plan N | $86.55/month | $243.00/month |
This example shows why "What does Medigap cost in Texas?" can't be answered with one statewide number. See a full breakdown, including the annual cost spread between companies, on the Uvalde guide.
Understanding Your Premium
People often assume a company that's cheaper today will always be cheaper. How a policy is rated affects how — and how fast — the premium can change over time.
| Rating method | What it means |
|---|---|
| Attained-age pricing | Premium is based on your current age and generally increases as you get older. |
| Issue-age pricing | Premium is based on your age when you first bought the policy and doesn't increase due to age alone. |
| Community-rated pricing | Where offered, everyone pays the same premium for a given plan regardless of age. |
| General rate increases | Insurers may raise premiums companywide due to claims experience, medical inflation, and other factors — regardless of rating method. |
| Birthday-related increases | Under attained-age pricing, premiums often step up on the policyholder's birthday as they move into a new age bracket. |
| Household discounts | Some insurers offer a discount when a spouse or another eligible household member also holds a policy with that company. |
The Texas Department of Insurance explains that different rating methods can behave very differently over time, and that attained-age premiums may increase on the policyholder's birthday. A licensed agent can explain how a specific company prices and has historically raised its Texas premiums.
Timing
Step 1
Most people start exploring Medicare Supplement options as their Part B effective date nears.
Step 2
Your Part B start date sets the clock for your Medigap Open Enrollment Period.
Step 3
You can choose from the Medigap plans you're eligible to purchase in Texas during this window, generally without medical underwriting.
Step 4
May involve underwriting unless a guaranteed-issue right applies to your situation.
This Medigap Open Enrollment Period is different from the annual Medicare Open Enrollment Period (October 15–December 7), which applies to Medicare Advantage and Part D — it does not create a general annual right to change Medicare Supplement policies. Secure approval and an effective date for a replacement policy before canceling existing coverage. See our Medigap Open Enrollment guide for details.
A Common Misconception
No. Texas does not currently provide a broad annual "birthday rule" that lets every Medigap policyholder switch companies or plans each year without medical underwriting. That protection exists in a growing number of other states, so people researching Medicare sometimes assume it applies everywhere — it doesn't automatically apply in Texas.
A Texas policyholder can still apply to switch plans or companies at any time, but outside the one-time Medigap Open Enrollment Period, underwriting may apply unless a guaranteed-issue right covers the situation.
Reviewed July 2026. Texas law does not currently provide a broad annual Medigap birthday switching right.
If a lower rate elsewhere catches your eye, a licensed Texas agent can walk through whether you'd need to go through underwriting to make the switch — before you cancel anything.
Under-65 Eligibility
Federal law doesn't guarantee Medigap access to people under 65. Texas provides additional access in two different situations.
Texas requires Medigap insurers to offer at least Medicare Supplement Plan A to a Medicare beneficiary under 65 who qualifies due to disability, during the six-month period that begins when they enroll in Medicare Part B. Plan A is the least comprehensive Medigap plan, but this guarantees some access where federal law otherwise wouldn't. That person receives another Medigap enrollment period upon turning 65.
Starting September 1, 2025, Texas House Bill 2516 requires all Medigap plans — not just Plan A — to be guaranteed-issue for people under 65 who qualify for Medicare because of end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), with no medical underwriting for that enrollment.
Specific plan availability and premium details can vary by insurer. A licensed agent can confirm current options for your situation.
Source: Texas House Bill 2516 (89th Legislature, effective September 1, 2025); Texas Department of Insurance Medicare Supplement Insurance Guide.
Texas-Specific Rule
Some providers who do not accept Medicare assignment may charge more than the Medicare-approved amount, subject to federal limits — generally up to the federal limiting amount for eligible Part B services. Plan G and Plan F cover eligible Part B excess charges; Plan N does not.
In practice, many providers accept Medicare assignment, so this isn't automatically a reason to rule out Plan N. Ask each provider whether they accept Medicare assignment, and factor in your travel habits if you split time outside Texas.
Reviewed July 2026. Confirm current provider assignment status directly, and verify Texas-specific rules against the Texas Department of Insurance before relying on this for a specific medical decision.
Because Plan N does not cover eligible Part B excess charges, its lower premium comes with a tradeoff when you use a provider who does not accept Medicare assignment. Ask your doctors whether they accept assignment before assuming it won't affect you.
A Related Option
Medicare Select is a type of Medicare Supplement policy, available in Texas on some Plan F, Plan G, and Plan N policies, that can carry a lower premium in exchange for agreeing to use designated providers for non-emergency care. Medicare Select policies may require use of designated hospitals — and sometimes other designated providers — for nonemergency care, depending on the specific policy. Emergencies are generally covered regardless of network.
This is different from standard Medigap, which generally has no provider network at all. If a lower premium catches your eye, ask whether it's a standard policy or a Medicare Select policy, and review that policy's specific network requirements before enrolling.
Insurance Companies
Texas residents may find Medicare Supplement plans from established insurers such as Aetna, Aflac, Bankers Fidelity, Blue Cross and Blue Shield of Texas, Cigna, Humana, LifeShield National, Mutual of Omaha, Nassau Life, Physicians Mutual, Wellabe, and AARP/UnitedHealthcare, where current products and appointments apply. Availability, plan selection, premiums, discounts, and underwriting rules can vary by ZIP code and applicant.
Local Guidance
More Texas city guides are on the way — check back as new areas launch.
Compare Plan G and Plan N rates, companies, and local access considerations in ZIP code 78801.
View Uvalde GuideCompare Plan G and Plan N rates, companies, and broker options across ZIP codes 75032 and 75087.
View Rockwall GuideCompare Plan G and Plan N rates, companies, and independent broker options in ZIP code 79720 and Howard County.
View Big Spring GuideWe also serve Medicare beneficiaries in San Antonio, Austin, Dallas–Fort Worth, Houston, Weatherford, the Texas Panhandle, and communities across Texas. City-specific guides for these areas are on the way.
Agent Insight
The plan letter determines the standardized benefits. Your Texas ZIP code, insurance company, discounts and enrollment circumstances determine what you may pay and which options are available. Compare Texas Medicare Supplement plans with a real licensed agent — not a call-center handoff or a one-company sales pitch.
Pick a Time to Compare PlansMeet Our Team
Real licensed agents, not a call center. Our team compares companies and helps you weigh the tradeoffs, with help available by phone and online, serving beneficiaries across Texas.
Gina Chandler
Lead Agent · Licensed Texas Medicare Insurance Agent
A patient, no-pressure approach to comparing Plan G, Plan N, and Medicare Advantage across multiple carriers. Gina also keeps a river home in the Uvalde area and knows that community firsthand.
View Gina's full profile →
Danny Rodriguez
Licensed Texas Medicare Insurance Agent
Medicare help available in English and Spanish. Helps Texas Medicare beneficiaries compare Medicare Supplement companies and plans side by side, with clear explanations of premiums, discounts, and enrollment timing.
View Danny's full profile →
David Scallion
Founder, Lehigh Partners Senior Benefits · Licensed Medicare Insurance Agent
More than 20 years of insurance experience, leading an independent, multi-carrier Medicare agency serving beneficiaries across Pennsylvania and Texas.
View David's full profile →Client Reviews
“Gina did a wonderful job in helping me here in Weatherford, TX, choose between a Medicare Supplement and Advantage plan. She was so patient with all of my questions and by the time I made my choice I was fully comfortable and happy with my plan choice. She is so friendly and there for me whenever I need her.”
Charlotte Hayden Google review“Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions and even assisted with some of the application process.”
Robert Haffner Google review“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
Susan Peck Google reviewCommon Questions
Choose a convenient time to review Plan G, Plan N, High-Deductible Plan G, and available insurance companies with a licensed independent agent.
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