Texas Medicare Supplement Plans

  1. List of Carriers
  • Humana
  • Cigna
  • United World
  • American Retirement (Cigna)
  • Aetna
  • Western United
  • Philadelphia American
  • Globe Life and Accident
  • AARP (United Healthcare)
  • Colonial Penn
  • Assured Life Association
  • Central States Health and Life of Omaha
  • United American
  1. List of Towns/Cities (10 – 20)
  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth
  • El Paso
  • Arlington
  • Corpus Christi
  • Plano
  • Laredo
  • Lubbock
  • Irving
  • Garland
  • Amarillo
  • Grand Prairie
  1. Top Medigap Plans (Plan Types/Letters, Carriers)

  • Medigap Plan A

For the simplest coverage, Medigap Plan A offers you just the basics of a Medicare supplement plan at a very low cost. This allows you to avoid paying for services that you feel you likely won’t need while still having some type of insurance.

Medigap Plan A is as common as it is popular, with almost every provider having to offer their version of the plan by law. Now, as a standard between Medicare supplement companies, Plan A has become accessible to nearly everyone. 

But for plans in Texas, even the basic Plan A can be more popular from one company over another, as listed here:

  1. Humana Insurance Company – $101.24 per month.
  2. Globe Life and Accident Insurance Company – $105 per month.
  3. Philadelphia American Life Insurance Company – $106.78 per month w/ $20 policy fee.
  4. Western United Life Assurance Company – $111.67 per month w/ $25 policy fee.
  5. Physicians Mutual Insurance Company – $112.45 per month.
  6. Aetna Health and Life Insurance Company – $113.04 per month w/ a $20 policy fee.
  7. Lumico Life Insurance Company – $114.42 per month w/ a $25 policy fee.
  8. Amerigroup Insurance Company – $116 per month.
  9. Cigna Health and Life Insurance Company – $135.85 per month.
  10. United World Life Insurance Company – $137.70 per month.
  • Medigap Plan F

Providing coverage for any and all copays, coinsurances, and deductibles gotten through Medicare, Medigap Plan F is the most comprehensive Medicare supplement plan type in all of Texas.

So, what really makes Plan F so popular? It comes down to having all the gaps in your Original Medicare paid for, keeping you without any out-of-pocket expenses while enrolled.

Several Medicare supplement providers in Texas offer Plan F, with some options being more popular than others, as listed in the top 10 below:

  • Philadelphia American Life Insurance Company – $146.50 per month w/ $20 policy fee.
  • Western United Life Assurance Company – $147.75 per month w/ $25 policy fee.
  • Amerigroup Insurance Company – $151 per month.
  • Lumico Life Insurance Company – $152.67 per month w/ $25 policy fee.
  • Southern Guaranty Insurance Company – $153.99 per month w/ $25 policy fee.
  • AARP (United Healthcare) Medicare Supplement Plans – $155.82 per month.
  • National Health Insurance Company – $156.24 per month w/ $25 policy fee.
  • Humana Insurance Company – $161.69 per month.
  • Cigna Health and Life Insurance Company – $176.12 per month.
  • United World Life Insurance Company – $195.88 per month.
  • Medigap Plan G

In 2020, the ability to purchase a new Medigap Plan F will no longer be possible. For you, this means that if you’re enrolling for your first time, you’ll have to pick another plan type. 

Another credible option, Medigap Plan G, provides an alternative that gives close to the same coverage as Plan F but at a lesser cost.

In Texas, many Medicare supplement providers will offer Plan G in their available plans, but some of the most popular options include:

  1. Western United Life Assurance Company – $111.75 per month w/ $25 policy fee.
  2. Philadelphia American Life Insurance Company – $113.82 per month w/ $20 policy fee.
  3. Central States Health and Life Corporation of Omaha – $116.42 per month w/ $25 policy fee.
  4. Lumico Life Insurance Company – $116.75 per month w/ $25 policy fee.
  5. GPM Health and Life Insurance Company – $116.99 per month w/ $25 policy fee.
  6. Southern Guaranty Insurance Company – $117.74 per month w/ $25 policy fee.
  7. Amerigroup Insurance Company – $119 per month.
  8. Humana Insurance Company – $120.12 per month.
  9. United World Life Insurance Company – $134.14 per month.
  10. Cigna Health and Life Insurance Company – $135.41 per month.
  • Medigap Plan N

Medigap Plan N is also consistently one of the most popular choices for Medicare supplement insurance. 

Compared to other popular choices like Plan F or G, Medigap Plan N strips away even more coverage to achieve a lower cost plan that remains comprehensive.

So, because of this, Plan N does not cover your Part B deductible or copayments from the emergency room or doctor. However, you may be okay with these not being covered to pay a lower premium – that’s what Plan N is for.

Some of the most popular choices for a Plan N in Texas come from:

  1. Assured Life Association – $92.76 per month w/ $25 policy fee.
  2. Union Security Insurance Company – $95.14 per month w/ $25 policy fee.
  3. Aetna Health and Life Insurance Company – $96.46 per month w/ $20 policy fee.
  4. South Guaranty Insurance Company – $97.41 per month w/ $25 policy fee.
  5. Western United Life Assurance Company – $97.42 per month w/ $25 policy fee.
  6. Transamerica Premier Life Insurance Company – $97.73 per month w/ $25 policy fee.
  7. GPM Health and Life Insurance Company – $97.75 per month w/ $25 policy fee.
  8. Central States Health and Life Company of Omaha – $98 per month w/ $25 policy fee.
  9. Humana Insurance Company – $101.57 per month.
  10. United World Life Insurance Company – $109.40 per month.
  1. Guaranteed Issue in Texas

If purchasing a Medigap plan of any kind outside of an enrollment period, you’ll have to face underwriting by the provider. This means that you’ll always be able to buy a Medigap plan all year, but many things about yourself can change if you’re accepted by the company, including your health status, age, weight, height, and so on.

A “guaranteed issue” allows residents in Texas to buy a Medicare supplement plan outside of their enrollment period, with no possibility of being turned down because of their health status. 

However, this guaranteed issue doesn’t apply to everyone – proof is required that shows that you had involuntarily lost your previous healthcare coverage. When your proof is given, you’ll be provided 63 days to find a new plan.

  1. Medicare Part A and B

Before being qualified for a Medigap plan in Texas, you’ll need to have both Medicare Part A and Part B. These two parts make up your Original Medicare, a federal coverage that pays 80% of most healthcare services.

Medicare Part A

Medicare Part A is insurance for your hospital coverage. It is automatically given to anyone eligible for Medicare when turning 65.

For most, Medicare Part A won’t have a premium, but a deductible and some copays are to be expected. If you’ve otherwise not been working or paying Social Security taxes for 10 years or more, you may have to pay a premium for your Medicare Part A.

Your Part A provides coverage for:

  • Inpatient Hospital Stays
  • Hospice Care
  • Skilled Nursing Facility

Medicare Part B

Medicare Part B is insurance for your medical coverage. 

Unlike Medicare Part A, Part B is an optional choice that can be declined when first eligible; if accepted, a premium is charged based on your income for as long as you remain enrolled.  

In most cases, the services covered under Part B are paid at 80%, leaving you the other 20% to pay with your Medicare supplement plan. These Part B services include:

  • Doctor Office Visit
  • Diabetes Screenings and Management
  • Durable Medical Equipment
  • Outpatient Hospital
  • Preventive tests, screenings, and shots
  1. General Medigap Information

Your Texas Medigap plan, no matter the plan type or provider, seeks to cover the other 20% of Medicare services that aren’t being paid. This mostly includes things like your deductible, copays, and the coinsurance that makes up much of your out-of-pocket spending in Medicare.

Ten different plan types – A through N – are provided selectively by private companies across the country, all kept under the watch of Medicare’s federal jurisdiction. With their standardization, Medigap plan types have all been shaped to provide the exact same benefits as one another, with the only difference being the price and perks of a company’s choice.

Some plans, like A, cover very little but are low-cost and are generally easier to be accepted for; other plans, like Plan F, cover almost every possible out-of-pocket expense not funded by Original Medicare, but have noticeably higher premiums.

There is no enrollment period for Medigap plans in Texas. Like most other supplement providers, everyone is given a one-time, 6 month change to enroll into their choice of plan, without underwriting, when they are over 65 and have chosen to enroll into Part B.

  1. Medigap Under 65