What Are the Best Medicare Supplement Plans in Texas?
Mutual of Omaha sells the best Medicare Supplement plans in Texas.
The company has the cheapest Plan G in TX, at $129 per month, and outstanding customer satisfaction. If you want a cheaper option, Cigna's Plan N is the cheapest in Texas.
What's the best Medicare Supplement company in Texas?
Overall, Mutual of Omaha is the best Medicare Supplement company in Texas.
AARP/UnitedHealthcare is a good option for extra benefits. And Cigna has the cheapest rate for Plan N, which has coverage that's nearly as extensive as Plan G.
Top Medicare Supplement companies in Texas
Company | Plan G rate |
Customer satisfaction (out of 5.0)
| |
|---|---|---|---|
| Mutual of Omaha | $129 | 5.0 |
| AARP/UHC | $133 | 4.5 |
| BCBS of Texas | $133 | 2.5 |
| USAA | $136 | 4.0 |
| Cigna | $137 | 4.0 |
Medigap Plan F and Plan G are the most popular options in Texas, making up 87% of all active Medicare Supplement plans. These two plans also have the most coverage. But Plan F is only available if you were eligible for Medicare before Jan. 1, 2020. Plan G is the best option for those who are new to Medicare.
Best overall: Mutual of Omaha
-
Editor rating
- *Plan G: $44
- Plan N: $98
- Plan G: $129
- Plan A: $133
- Plan F: $182
Mutual of Omaha sells the best Medigap plans in Texas. The company has high customer satisfaction ratings, low rates and good added perks.
Mutual of Omaha's Plan G is 8% cheaper than the state average.
Mutual of Omaha also has a cheap Plan N, although it's not quite as cheap as Plan N from Cigna. No matter what plan you buy from Mutual of Omaha, you have access to the company's added benefits.
- Health service discounts: The Mutually Well program gives you discounts on health services like massage therapy and acupuncture. The free app lets you create and track health goals. And you can also buy a discounted gym membership.
- Hearing perks: Amplifon Hearing gives you discounts on hearing tests and hearing aids. You also get a 60-day trial period on any hearing aids you buy through the program.
- Vision benefits: If you use a doctor that partners with EyeMed Vision, you can save $50 on an eye exam and 40% on glasses frames (up to $140 off).
Mutual of Omaha consistently has high customer satisfaction ratings. On average, the company gets 84% fewer complaints about its Medicare Supplement plans than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Best added perks: AARP/UnitedHealthcare (AARP/UHC)
-
Editor rating
- Plan K: $60
- Plan L: $95
- Plan N: $105
- Plan G: $133
- Plan B: $147
- Plan F: $178
- Plan C: $181
- Plan A: $203
AARP/UnitedHealthcare Medigap plans strike the balance of being a good value while also having good customer satisfaction. The company has low average rates and extensive extra perks. The added benefits include a 30% to 40% discount on dental care through Dentegra, discounts on eye exams and lenses and discounts on hearing care and hearing aids. You'll even have access to perks unrelated to health care, like discounts on hotels and travel advice.
In Texas, you'll save an average of 6% if there are two or more members in your household with an AARP Medigap plan. This is called a "household discount," and AARP/UHC's discount is substantial.
You have to join AARP to buy a plan, though. The membership costs $16 per year and is usually worth it because it gives you access to the large collection of add-on perks.
AARP/UHC plans are usually the best deal if you are enrolling during a period when you can't be declined, like when you first become eligible for Medigap coverage. If you wait to buy coverage, you'll have to answer medical questions when you apply, and that can affect your eligibility and rates. If you have a preexisting health condition, and you don't apply for coverage as soon as you are eligible, your rates could be as high as $426 per month for Plan G.
Some of the AARP/UHC plans won't raise your rates because of your age. This is called "community pricing." It can give you more stable rates, although costs can still change with inflation.
Cheapest Plan N: Cigna
-
Editor rating
- *Plan G: $52
- Plan N: $96
- Plan A: $146
- Plan G: $137
- Plan F: $182
If you are looking for Plan N, Cigna has the lowest average rate in the state. Plan N has fairly low rates and coverage that's almost as good as Plan G.
In Texas, it costs $96 per month for Medigap Plan N from Cigna.
That's about 6% lower than the average cost for Plan N in Texas.
Medigap Plan N is a good choice for budget-conscious shoppers. The plan's coverage is nearly as good as Plan G's. But you will have some extra out-of-pocket costs for medical care such as a $20 copay for doctor's office visits.
While Cigna offers a good price on Plan N, there is a trade-off between cost and quality. Cigna has 27% more complaints about its Medicare Supplement policies than an average company its size.
While Cigna has the cheapest Plan N in Texas, its customer satisfaction is fairly low compared to other companies. It's only $2 more per month for Plan N from Mutual of Omaha, and the company's customer service record is much better. For most people, it's probably a good idea to spend a bit more for better service.
How much does a Medigap plan cost in Texas?
The most popular Medigap plans in Texas cost between $102 and $175 per month.
The most popular plans in Texas are G, F and N. Together, they make up over 95% of all Medigap plans in Texas. On average, Plan N costs an average of $102 per month, Plan G costs $140 per month and Plan F costs $175 per month.
Costs vary based on a range of factors, including the plan you buy and your age when you first enroll. For example, a 65-year-old woman who doesn't smoke pays an average of $140 per month for Plan G. If that same woman waits until she is 70 to get coverage, Plan G will cost an average of $153 per month.
Texas Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of TX enrollment |
|---|---|---|
| G | $140 | 45% |
| F | $175 | 42% |
| N | $102 | 8.2% |
| J | N/A | 1.8% |
| C | $184 | less than 1% |
How age affects Medigap rates in Texas
In Texas, insurance companies are allowed to use your age to set your Medicare Supplement rate.
For example, you'll pay an average of 32% more for a Medigap plan when you're 75 compared to when you're 65. However, prices typically level off after age 75. It's important to buy a plan when you're first eligible so your health issues can't be factored into your rate. If you wait to buy a plan, you'll likely pay more.
Not all insurance companies use age to set Medigap prices in Texas. To avoid age-based price increases, look for Medigap plans that use "community rating," like some of the plans from AARP/UnitedHealthcare. You might pay a little more at age 65, but annual cost increases will be much slower.
Medicare resources in Texas
The state of Texas offers several resources to help you choose the right Medigap plan. These programs could also help you find out if you qualify for financial assistance to help with Medicare costs.
- In Texas, the State Health Insurance Assistance Program (SHIP) is also called the Texas Health Information, Counseling and Advocacy Program. Its resources are free, and you can speak with someone by phone or in one of the Texas offices.
- The Texas Department of Insurance also provides a list of Medicare contacts to help you find the resources you need.
- If you're applying for Medicare for the first time, you can use the U.S. Social Security Administration's website to apply online or find a Social Security office in Texas.
Frequently asked questions
What is the best Medicare Supplement plan in Texas?
The best Medicare Supplement plan in Texas is Plan G from Mutual of Omaha. Plan G offers the most coverage of any Medigap plan except Plan F, which isn't available to those just signing up for coverage. Mutual of Omaha has the cheapest rates for Plan G in Texas and has excellent customer service.
How much does a Medicare Supplement plan cost in Texas?
In Texas, it costs between $102 and $175 per month for Plans N, G and F, the most popular options for Medigap. Overall, average prices range from $49 per month for high-deductible Plan G to $184 per month for Plan C.
What does Plan G cost in Texas?
Plan G costs an average of $140 per month in Texas. Keep in mind that your rate could change based on your age, gender and health. You'll also pay lower rates if you sign up for a Medigap plan as soon as you are eligible.
Methodology and sources
The costs for Medicare Supplement plans in Texas in 2024 are based on actuarial data for all private insurance companies in Texas. Average rates are for a 65-year-old woman who does not smoke, unless a different age or gender is noted. Prices reflect the cost for coverage when enrollees first become eligible and do not include increased costs for health problems, unless a different rating method is specified.
Plan popularity data comes from research conducted by America's Health Insurance Plans (AHIP). Only companies insuring more than 21,000 people, according to the National Association of Insurance Commissioners (NAIC), were included in this study.
Other sources include AARP/UnitedHealthcare, AM Best, Cigna, Medicare.gov, Mutual of Omaha and the Texas Department of Insurance.
Each company was assigned a customer satisfaction score based on average complaint data from the NAIC. Each score is on a scale of 0.0 to 5.0, with higher scores meaning better customer service.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a separate subsidiary of QuoteWizard, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. Licensing information for QWIS can be found here. QWIS is a non-government licensed health insurance agency. Not affiliated with or endorsed by any government agency.
Callers will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations which offer 5,110 products in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location.
Deductibles, copays, coinsurance, limitations, and exclusions may apply.
Medicare has neither reviewed nor endorsed the information contained on this website. Medicare evaluates plans based on a 5-star rating system every year.
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