If you’re searching for the best Medicare supplement plans in Texas, it’s important to understand how these options can fill critical gaps in your Medicare coverage.
Best Medicare Supplement Plans in Texas in 2025
You’ve taken the big step and enrolled in Medicare—great start!
But let’s face it, Medicare alone doesn’t cover everything you might need for a worry-free retirement. Gaps in coverage, like vision, dental, long-term care, or unexpected hospital stays, can lead to significant out-of-pocket expenses.
So, how do you make sure you’re fully protected? By exploring the best Medicare Supplement Plans available in Texas.
Let’s break down your options so you can confidently choose the plan that fits your lifestyle and budget.
Why Medicare Supplement Plans Are Essential
Medicare doesn’t cover hearing, dental, or vision plans, prescriptions, extended hospital stays, or nursing facility stays over three weeks.
Plans A and B also have deductibles and co-insurance. Many citizens have found that if they don’t opt for additional Medigap insurance coverage, their out-of-pocket costs end up totaling tens of thousands of dollars—for just one year.
Enrolling in one of the Medicare supplement plans in Texas might be a good option for you if:
- You want to keep your own doctors. With Medicare itself, you can see any doctor that accepts Medicare. Likewise, with Medicare supplement plans, you can use any doctor that accepts Medicare.
- You move around from state to state. Maybe you want to take your RV and see the country. Perhaps your children live in varying states and you spend long periods visiting them. Choosing one of the best Medigap providers in Texas allows you to go where you wish!
- Travel to other countries. Most Medicare supplement plans cover healthcare outside the United States. However, this coverage comes with a $250 deductible, 20% co-insurance, and a lifetime max payable amount of $50,000.
- You don’t want to worry about coverage cancellation. Medigap providers in Texas can’t cancel your policy due to health changes or excessive claims.
When To Enroll for Medicare Supplement Plans in Texas
You can enroll in Medicare Supplement plans on the first day of the month in which you turn 65 (and when you’ve already enrolled in Medicare Part A or B).
This is known as their Open Enrollment period, and there is no health underwriting at this time.
You can also enroll in a Medicare supplement plan at any time once you are over age 65, but your application may be subject to underwriting approval if you don’t qualify for a special enrollment period (due to, for example, moving out of the area of coverage of your previous plan).
The Most Popular Plans in Texas for 2025
When selecting a Medicare Supplement (Medigap) plan in Texas, it’s important to understand the coverage each plan offers and your eligibility.
Here’s a breakdown of the most popular plans:
Medigap Plan G
Plan G is a top choice for many beneficiaries due to its comprehensive coverage:
- Part A Deductible: Fully covered.
- Part B Coinsurance: 100% coverage of the 20% not paid by Medicare.
- Part B Excess Charges: Fully covered.
Note: Beneficiaries are responsible for the annual Part B deductible, which is $240 in 2024.
Medigap Plan F
Plan F offers extensive coverage but is only available to individuals who became eligible for Medicare before January 1, 2020:
- Part A and Part B Deductibles: Fully covered.
- Part B Coinsurance: 100% coverage.
- Part B Excess Charges: Fully covered.
Note: If you became eligible for Medicare on or after January 1, 2020, you cannot purchase Plan F.
Medigap Plan N
Plan N provides solid coverage with some cost-sharing:
- Part A Deductible: Fully covered.
- Part B Coinsurance: Fully covered, except for:
- Up to $20 copayment for some office visits.
- Up to $50 copayment for emergency room visits that don’t result in inpatient admission.
- Part B Excess Charges: Not covered.
Note: Beneficiaries are responsible for the annual Part B deductible.
General Considerations
- Plans A-G: Typically have higher premiums but lower out-of-pocket costs, suitable for those anticipating frequent medical services.
- Plans K-N: Feature lower premiums with higher cost-sharing, ideal for beneficiaries who prefer lower monthly costs and are comfortable with paying more during medical visits.
Eligibility
- Plans C and F: Available only to individuals who were eligible for Medicare before January 1, 2020.
- Plans G, N, and others: Open to all Medicare beneficiaries, regardless of eligibility date.
Additional Coverage
Medigap plans do not cover:
- Dental, Hearing, or Vision Services: These services are not covered by Medicare Parts A and B, and thus not by Medigap plans.
- Long-Term Care: Nursing home or in-home nursing care is not covered.
- Prescription Drugs: Not covered; consider enrolling in a Medicare Part D plan for drug coverage.
However, Medigap plans do cover the first three pints of blood needed for a transfusion each year.
Choosing a Plan
All Medigap plans with the same letter offer identical benefits, but premiums can vary between providers.
It’s important to compare plans from different insurers to find the best fit for your healthcare needs and budget.
Top Medigap Providers In Texas
Now, we’ll detail the top five best Medigap supplement plan providers in Texas to help you decide which plan is best for you.
Continental Life Insurance
Continental Life Insurance, a trusted Medigap provider in Texas, has nearly 40 years of experience delivering reliable Medicare benefits to countless patients.
Backed by a reputation for financial stability and personalized customer service, they bring the attention to detail you’d expect from a smaller company. Operating under Aetna’s umbrella, Continental Life Insurance offers a variety of Medigap plans, including Plan G, as well as Plans A-D, F, and K-L.
Before selecting a plan, it’s wise to consult your Personal Benefits Planner to ensure your chosen plan is available in Texas. To qualify for this program, you must be at least 65 years old and either already enrolled or in the process of enrolling in Medicare Part A or Part B.
United of Omaha
Almost 1.5 million Americans choose United of Omaha (and their sister company, Mutual of Omaha) to apply for their choice of the best Medigap plans in Texas.
They provide extensive benefits—over $6.5 billion in covered healthcare a year to their beneficiaries and policyholders. This company’s most popular plans are F, G, and N.
Plan F covers extra charges that Medicare does not cover. It’s important to note that Plan F is only available to individuals who were eligible for Medicare before January 1, 2020.
Plan G requires that you pay the annual deductible for Part B (in 2024 it was set for $240) before they will pay out for any benefits.
Plan N requires the same deductible pay as Plan G and also has a $20 copay for each doctor visit, and a $50 copay for non-admitted ER visits.
Mutual of Omaha differs from other providers in its Mutually Well program. With this program, they offer:
- Discounts on products to help you live a healthy lifestyle
- Discounts on services from over 20,000 specialists
- Access to fitness-program membership with no enrollment fees or contracts and over 10,000 locations
- Free health and wellness program with nutrition planning, fitness resources, wellness education, and a 30-day walking program
UnitedHealthcare
UnitedHealthcare is available in all 50 states, including Texas.
They have been around for almost 50 years. Many people are comfortable choosing UnitedHealthcare because they had coverage from them through their employer before retiring. This insurance provider has an A rating from AM Best, and they have a 96% approval rating from their customers.
UnitedHealthcare is often chosen because they provide extensive perks to their members. These include:
- Enrollment up to six months before your 65th birthday
- Household discounts
- Free application
- No cancellations (unless you don’t pay)
- 30-day trial period
- Silver Sneakers gym membership (in selected areas)
UnitedHealthcare plans can be applied for online or over the phone if you need extra assistance.
Blue Cross Blue Shield of Texas
When you choose Blue Cross Blue Shield of Texas, you enjoy benefits such as:
- Freedom to choose any doctor or specialist who accepts Medicare
- Domestic travel coverage
- Guaranteed renewability, even if your health status changes
- Coverage that will always match Medicare’s cost increases
- No claim forms (except in certain circumstances)
You will also enjoy BCBSTX perks, including The Blue Extras Member Discount Program, which provides:
- Reduced-price wellness products
- Vision and hearing services
- Fitness club memberships
- Weight management programs
- Alternative medicine options
- …and much more!
Medi-Share 65+: The Affordable Alternative to Medigap
In recent years, an innovative and affordable alternative to higher-cost Medigap plans has been gaining in popularity: tThe Medi-Share 65+ plan.
Medi-Share 65+ is a heathsharing plan, not a traditional insurance policy like Medigap plans.
Like Medigap, Medi-Share 65+ helps seniors manage high out-of-pocket costs due to Original Medicare deductibles, copays, and co-insurance.
And lLike Medigap, Medi-Share 65+ doesn’t restrict you to a limited or local network of care providers, but lets you choose your own doctor anywhere in the country – and even abroad.
How Medi-Share 65+ Works
With Medi-Share 65+, you pay the first $500 in Original Medicare (Part A and Part B-approved) out-of-pocket expenses for your family each year.
These costs include deductibles, coinsurance, and copays under Medicare Parts A and B. This is called your annual household portion.
After that, all medical services approved under Original Medicare will be shared by your fellow Medi-Share members.
Note: With Medi-Share, your annual household portion is per family. This is very different from Medicare and Medigap deductibles, which are calculated per individual.
If you and your spouse are both enrolled in Medi-Share 65+, your combined out-of-pocket exposure to Original Medicare deductibles, coinsurance, and copays for the year is still just $500.
A Christian Healthsharing Ministry Organization
While Medigap plans are sold and run by for-profit insurance companies, Medi-Share 65+ is run by a non-profit 501(c)3 healthsharing ministry organization.
In this case, Medi-Share is an overtly Christian organization. Members must affirm that Jesus is God, affirm the Holy Trinity, attend services regularly, and agree that Christians have an obligation to share each others’ burdens.
Additionally, Medi-Share members must agree to live according to Biblical principles. As a condition of membership, members may not use tobacco, nor drink to excess, nor abuse drugs, including prescription drugs. When applying, members must affirm that you have not used tobacco or engaged in substance abuse within the previous 12 months.
Pricing
Medi-Share 65+ pricing is much lower than comparable Medigap plans in nearly all cases.
The monthly contribution for Medi-Share 65+ is $99 for members aged 65 to 74, and $150 for those aged 75 and older.
If you are enrolled in Medigap Plan G or Plan N, or you’re considering either of these plans, compare the monthly premium with Medi-Share 65+. In most cases, Medi-Share 65+ is significantly less each month.
For more information on Medi-Share 65+ or to enroll online in minutes, click here.
In addition to the cost-sharing benefits, Medi-Share 65+ plan members also have access to several other discount programs and perks, including:
- A discount drug plan
- 24/7 telehealth access to board-certified MDs
- Discounts on dental, vision, and LASIK.
Conclusion
Beyond these top five Medigap plans, you’ll find even more options to explore.
Most providers in Texas offer popular plans like G and G High Deductible, along with A and N, ensuring you have access to a wide range of choices.
Remember, every Medigap plan with the same letter delivers identical benefits, no matter the provider. The key is finding a plan that fits your budget since premiums can vary significantly.
Rates generally increase each year, but working with a licensed broker or Personal Benefits Manager can help you navigate these changes and keep costs as manageable as possible.
If you’d like personalized guidance or have questions about which plan suits your needs best, our team of Personal Benefits Managers is ready to assist. Schedule a chat and get the support you need!
Misty Berryman is one of your Personal Benefits Managers at Medigap Advisors. She loves working for Medigap Advisors for many reasons, including being part of the solution to one of life’s most important healthcare challenges: choosing the right Medicare plan. Read more about Misty on her Bio page.