What Are the Best Medicare Supplement Plans in Texas?
What Are the Best Medicare Supplement Plans in Texas?
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Mutual of Omaha sells the best Medicare Supplement plans in Texas.
The company's average rate for Plan G is the cheapest in the state, and it has outstanding customer satisfaction. If you want a cheaper option, Plan N has coverage that is almost as good as Plan G but with a cheaper monthly rate. Aetna's Plan N is the cheapest in Texas.
AARP/UnitedHealthcare is also a good choice, especially if you want added perks with your Medigap coverage. It's not the cheapest company in Texas, but its average rates are typically lower than the state average.
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 Aetna has the cheapest rate for Plan N, which has coverage that's nearly as comprehensive as Plan G.
Top Medicare Supplement companies in Texas
Company | Plan G rate |
Customer satisfaction (out of 5.0)
| |
|---|---|---|---|
| Mutual of Omaha | $123 | 5.0 |
| USAA | $124 | 4.0 |
| AARP/UHC | $126 | 4.5 |
| BCBS of Texas | $126 | 2.5 |
| Aetna | $131 | 2.0 |
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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
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Editor rating
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Average cost of Mutual of Omaha Medigap in Texas:
- *Plan F: $44
- Plan N: $93
- Plan A: $121
- Plan G: $123
- Plan C: $150
- Plan F: $155
Mutual of Omaha sells the best Medigap plans in Texas. The company has a high customer satisfaction rating, low rates and good added perks.
Mutual of Omaha's Plan G is 9% 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 Aetna. No matter what plan you buy from Mutual of Omaha, you have access to the company's added benefits.
- Mutually Well: This 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.
- Amplifon Hearing: This program 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.
- EyeMed Vision: If you use a doctor that partners with EyeMed, 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 has 84% fewer complaints about its Medicare Supplement plans than an average company its size, according to the National Association of Insurance Commissioners (NAIC). Only three complaints were filed in Texas in 2022.
Best added perks: AARP/UnitedHealthcare (AARP/UHC)
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Editor rating
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Average cost of AARP/UHC Medigap in Texas:
- Plan K: $56
- Plan L: $95
- Plan N: $101
- Plan G: $126
- Plan B: $138
- Plan F: $168
- Plan C: $169
- Plan A: $188
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.
AARP/UHC also offers a good household discount. In Texas, you'll save an average of 7% if there are two or more members in your household with an AARP Medigap plan.
You have to join AARP to buy a plan, though. The membership costs $16 per year. A membership 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 go through the medical underwriting process and have a preexisting health condition, your rates could be as high as $446 per month for Plan G.
Some of the AARP/UHC plans won't increase your costs 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: Aetna
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Editor rating
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Average cost of Aetna Medigap in Texas:
- *Plan G: $47
- Plan N: $92
- Plan A: $121
- Plan B: $126
- Plan G: $131
- Plan F: $167
If you are looking for Plan N, which balances affordability with good coverage, Aetna has the lowest average rate in the state.
In Texas, it costs $92 per month for Medigap Plan N from Aetna.
That's about 12% 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 office visits.
While Aetna offers a good price on Plan N, there is a trade-off between cost and quality. Aetna has 68% more complaints about its Medicare Supplement policies than an average company its size.
While Aetna has the cheapest Plan N in Texas, its customer satisfaction is fairly low compared to other companies. It's only $1 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 $104 and $172 per month.
That's because Plans G, F and N are the most popular, accounting for over 95% of all Medigap plans in Texas. On average, Plan N costs an average of $104 per month, Plan G costs $135 per month and Plan F costs $172 per month.
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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 $135 per month for Plan G. If that same woman waits until she is 70 to get coverage, Plan G will cost an average of $148 per month.
Texas Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of TX enrollment |
|---|---|---|
| G | $135 | 45% |
| F | $172 | 42% |
| N | $104 | 8.2% |
| J | N/A | 1.8% |
| C | $193 | 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 33% more for a Medigap plan if you buy it when you're 75 compared to someone who purchased a plan at 65. However, prices typically level off after age 75.
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 $104 and $172 per month for Plans N, G and F, the most popular options for Medigap. Overall, average prices range from $47 per month for high-deductible Plan G to $193 per month for Plan C.
What does Plan G cost in Texas?
Plan G costs an average of $135 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 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 is 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, Aetna, AM Best, 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 National Association of Insurance Commissioners (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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