The Lone Star State has 10 standardized Medigap plans to choose from. These plans are nearly identical to that of 46 other states. This standardization makes understanding TX Medicare Supplement (Medigap) rules and regulations simple. Here’s the Texas Medigap policy overview:

Texas Medigap policy essentials

Texas Medigap plans, just like all Medigap plans, are designed to fill in the “gaps” of costs not covered by Medicare Part A & B. There are no doctor networks when it comes to Medigap as any doctor or facility that accepts Medicare MUST accept standard Medigap. Here is a good Medigap overview that you should read first.

Here are the simple Texas plan essentials you need to know:

Get a Medigap Quote Enroll in Medigap

How much do TX Medigap plans cost?

You know how they say, “Everything is bigger in Texas”? Well, this isn’t the case with your Texas Medigap plan’s monthly costs. Medigap in Texas is priced about average when compared to most of the country.

Medigap monthly premiums vary by insurance provider and are based on zip code, gender, when you enroll, and which Medigap plan you select. Click here to see instant prices for Medigap plans from top insurance providers. Medigap Texas prices are regulated so no one can offer the same plan from the same provider lower than

Get a Medigap Quote Enroll in Medigap

Are there Texas Medigap discounts?

There sure are TX Medigap discounts available. Click on each to learn more:

Is it Easy to Switch Medigap plans in Texas?

Not exactly. Once you are outside your Medigap initial enrollment period where everyone is approved, you will usually have to answer health questions first to be approved for Medigap. Most people think there is an annual open enrollment period each year which allows for “free switching” between Medigap insurance companies but this does not exist in Texas. Once again, switching Medigap plans in Texas usually requires a new application, and insurance providers can turn you down.

There are only a few exceptions that allow for guaranteed issued Medigap switching. This is why it is so important that you work with a licensed independent insurance agent to help you select the right plan when you are first eligible. Feel free to call us at 800-930-7956. There is never a charge or hidden fee to work with us and no one can sell the same Medigap plan for less than can.

Texas Medigap plans side-by-side

Approved Texas insurance providers can offer some or all of the A-N standardized plans listed below. Plans C and F are only available to those eligible for Medigap before 2020. Here are 8 plans available to those who qualified for Medicare Part B after Jan 1, 2020, but most of our new clients select Plan G.

Benefits A B D G* K L M N
Medicare Part A Deductible ($1,632) 100% 100% 100% 50% 75% 50% 100%
Part B Deductible ($240)
Medicare Part A Hospital Coinsurance and 365 additional hospital days 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B Coinsurance 100% 100% 100% 100% 50% 75% 100% 100%
First 3 Pints of Blood for a Transfusion 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Hospice Coinsurance or Copay 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Coinsurance 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges 100%
Foreign Emergency Healthcare 80% 80% 80% 80%
Max Out-of-Pocket $7,060 $3,530

Get a Medigap Quote Enroll in Medigap

*Medigap Plan G High deductible offers the same coverage as Plan G but with a deductible of $2,800.

Texas Medigap plans if you move to another state

Why would you ever want to leave Texas? If you did, you can still keep your Medigap plan if you move to another state. Medigap plans access Medicare’s national network no matter where you live (Source). It will work in your new state and there is no need to reapply in most cases. Your TX Medigap price may increase if you end up living in another state in the future.

Next Steps

For further questions about Texas Medigap plans call one of our licensed agents a call at 800-930-7956.

Our agents can NOT charge you a fee for a quote or enrollment.