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Medicare Supplement Plan G in Texas

Are you enrolled in Original Medicare in Texas and looking for a way to have more predictable costs? A Medicare Supplement insurance plan, also known as Medigap, could help pay for some or all out-of-pocket costs required under Original Medicare Parts A and B. Continue reading to learn about the Medicare Supplement Plan G in Texas.

What is Medicare Supplement Plan G in Texas?

There are 10 types of Medicare Supplement plans in Texas. These plans are labeled A – G and K – N. Because Original Medicare doesn’t have an out-of-pocket maximum, in 2020, nearly 38% of Medicare enrollees had a Medicare Supplement plan to reduce the financial risks and expand their Medicare coverage.

Medicare Supplement Plan G, like the other plans, is offered by private insurance companies that are licensed by the Texas Department of Insurance. 

Find the right Medicare plan for you

Of the 10 types of Medicare Supplement plans available in Texas, Plan G is the most popular for new Medicare beneficiaries. Alternatively, Plan F is the most popular Medicare Supplement plan (46%) in the state; however, that plan is not accepting new enrollments. The only way to have Plan F is if you became eligible prior to January 1, 2020.

In 2020, 41% of Medicare Supplement plan enrollees in Texas had Plan G. Plan G is the closest that a new Medicare enrollee can get to Plan F, which is likely why Plan G enrollment increased from 35% to 41% between 2019 and 2020. 

Who is Eligible for Medicare Supplement Plan G in Texas?

You are eligible for Medicare Supplement Plan G in Texas if you are enrolled in Original Medicare Part A and Medicare Part B and live in the plan’s service area.  

Is Medicare Supplement Plan G Available in Texas?

Yes, Medicare Supplement Plan G is available in Texas. Texas has a standard Plan G and a High-Deductible Plan G option. The first is a comprehensive plan option, while the other is budget-conscious. Each plan provides the same Medicare benefits; however, the High-Deductible Plan G option has a higher annual deductible and a lower monthly premium. 

When to Enroll in Medicare Supplement Plan G in Texas

The most ideal time to enroll in Medicare Supplement Plan G is during your Medigap Open Enrollment Period. During this period, insurance companies must sell you any plan they offer regardless of pre-existing medical conditions. The Medigap Open Enrollment Period is also when you receive the best pricing.

Agent tip:

“You should mark your Medigap Open Enrollment Period on your calendar. The bottom line is that you cannot be denied, and you’ll receive the best rate possible during your Medigap Open Enrollment Period.“

Medigap Open Enrollment Period

The Medigap Open Enrollment Period is unique to you. This enrollment period begins the first month you are enrolled in Medicare Part B and you’re older than 65. The enrollment period lasts six months. 

You mustn’t miss this enrollment period if you want to enroll in a Medicare Supplement plan. Unfortunately, this enrollment period only happens once and cannot be changed or repeated. 

Medicare Medigap Open Enrollment Period

How to Enroll Outside of the Medigap Open Enrollment Period

Should you miss your Medigap Open Enrollment Period, the insurance company may require underwriting to consider accepting your policy. 

During this process, they’ll consider any pre-existing or current health conditions. They can refuse to insure you, and if they decide to provide a policy after the underwriting process, your policy could cost a lot more. 

There are some situations where you can receive the same rights outside your Medigap Open Enrollment Period.

These include:

  • A guaranteed issue right, also known as “Medigap protections.”
  • You have a pre-existing condition, and you’re replacing creditable coverage.
  • If you have End Stage Renal Disease (ESRD) and you lose your health insurance, you have a Guarantee Issue through loss of coverage.

How to Avoid Medicare Part D Late Enrollment Penalties

Medicare Supplement Plan G does not provide prescription drug coverage – and you must have creditable coverage under the federal Medicare program. In addition to signing up for Plan G, you should also enroll in the Medicare Part D standalone prescription drug plan if you don’t have creditable coverage from another source. If you don’t, you could face lifetime penalties once you sign up for prescription drug coverage. 

Medicare Supplement Plan G Coverage in Texas

Medicare Supplement Plan G covers the following:

  • Part A deductible.
  • Part A coinsurance and hospital costs up to an additional 365 days.
  • Part A hospice care coinsurance or copayment.
  • Skilled nursing facility care coinsurance.
  • Part B coinsurance or copayments.
  • Part B excess charge.
  • 80% of foreign travel exchange. 
  • Three pints of blood.

Each Medicare Plan G provider offers different levels of covered services. You should check what plans cover and their costs as you compare plans. 

If you have particular benefits that are important for you, share that information with a local licensed agent who can find the best plan options for you. Speak with a local Medicare agent at (623) 223-8884 or review your Medicare plan options online.

Medicare Plan G Costs in Texas

Standard Plan G versus High-Deductible Plan G in Texas

Availability and cost are essential factors in determining whether the standard or high-deductible plan is best for you. Because both plans provide the same benefits, you’ll need to assess whether you can afford a high-annual deductible and whether that will give enough savings compared to the standard plan’s higher monthly premiums. 

2022 Medicare Plan G and High-Deductible Plan G Cost Comparison

The standard Medicare Plan G has higher monthly premiums than the High-Deductible Plan G. But the High-Deductible Plan G has lower premiums, with a higher overall plan deductible. What is most important to your health and budget?

The tables below compare a 65-year-old man with does and doesn’t smoke against a 65-year-old woman who does and doesn’t smoke. Here, you can review the premium differences between smokers and non-smokers and the sexes. Age also determines the plan’s cost, so please use this as an example, not the truth, as rates change for many reasons.  

65-Year-Old Man, No Tobacco Use

Costs Standard Plan G High-Deductible Plan G
Monthly Premium Range $109 – $471 $32 – $70
Total Plan Deductible (After Part A & B Deductibles) $0 $2,490
Part A Deductible  $0 $0
Part B Deductible $233 $233

65-Year-Old Man, Tobacco User

Costs Standard Plan G High-Deductible Plan G
Monthly Premium Range $122 – $543 $35 – $77
Total Plan Deductible (After Part A & B Deductibles) $0 $2,490
Part A Deductible  $0 $0
Part B Deductible $233 $233

65-Year-Old Woman, No Tobacco Use

Costs Standard Plan G High-Deductible Plan G
Monthly Premium Range $96 – $417 $29 – $63
Total Plan Deductible (After Part A & B Deductibles) $0 $2,490
Part A Deductible  $0 $0
Part B Deductible $233 $233

65-Year-Old Woman, Tobacco User

Costs Standard Plan G High-Deductible Plan G
Monthly Premium Range $106 – $481 $32 – $69
Total Plan Deductible (After Part A & B Deductibles) $0 $2,490
Part A Deductible  $0 $0
Part B Deductible $233 $233

Source: Supplement Insurance (Medigap) plans in Texas, Medicare.gov. Accessed June 15, 2022.

Need help deciding if a standard Medicare Supplement Plan G or a High-Deductible Plan G is best for your health and budget? Speak with a local Medicare agent who can guide you through your options. Call (623) 223-8884 or review your Medicare plan options online.

50 Texas Medigap Plan G Providers 

There are 50 companies that provide Medicare Supplement Plan G policies in Texas. There are many options, but that’s good news for you. Each of these companies is competing for your business. 

All you need to do is speak with a local licensed agent who can guide you through your Medicare journey. They can help identify the best company to get a policy from in your county.

AARP – UnitedHealthcare Insurance Company Manhattan Life Assurance Company
Accendo Insurance Company Medico Insurance Company
Aetna Health Insurance Company Mutual of Omaha (Omaha Supplemental Insurance Company)
American Benefit Life Insurance Company Nassau Life Insurance Company
American Financial Security Life Insurance Company National Guardian Life Insurance Company
Amerigroup (an Anthem Company) National Health Insurance Company
Atlantic Coast Life Insurance Company Old Surety Life Insurance Company
Bankers Fidelity Assurance Company Oxford Life Insurance Company
BlueCross BlueShield of Texas Pan-American Life Insurance Company
Capitol Life Insurance Company Pekin Life Insurance Company
Catholic Life Insurance Philadelphia American Life Insurance Company
Central States Health and Life Co. of Omaha Physicians Life Insurance Company 
Cigna Health & Life Insurance Company Puritan Life Insurance Company of America
Colonial Penn Life Insurance Company Resource Life Insurance Company
Elips Life Insurance Company SBLI USA Life Insurance Company, Inc (Prosperity) (Preferred)
Federal Life Insurance Company Sentinel Security Life Insurance Company
GPM Health and Life Insurance Company State Farm Mutual Automobile Insurance Company
Globe Life and Accident Insurance Company Transamerica Life Insurance Company (Direct)
Great Southern Life Insurance Company USAA Life Insurance Company
Guarantee Trust Life Insurance Company Union Security Insurance Company
Heartland National Life Insurance Company United American Insurance Company
Humana (Humana Insurance Company) United Commercial Travelers of America
Humana Achieve (CompBenefits Insurance Company) United Insurance Company of America
Independence American Insurance Company UnitedHealthcare
Magna Insurance Company Wisconsin Physicians Service Insurance Corporation
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Best Medicare Supplement Plan G in Texas

There is no one-size-fits-all Plan G. The coverage is standardized, so if Plan G is the right coverage choice for your health, you’ll need to weigh your provider options. Each provider offers varying extra benefits, and the monthly premiums or deductibles can vary. 

To determine which Plan G provider is available in your county – and fits your needs – you should speak with a local licensed agent. They can review your plan options with you and help guide you through your Medicare journey. Speak with a local Medicare agent at (623) 223-8884 or review your Medicare plan options online.

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Read more by Jasmine Alberto

I am a Spanish-speaking Texas Life and Health Insurance Licensed Agent and have been helping people with Medicare since 2007. I am on the the Advisory Committee for Foster Grandparents, Senior Companions, and RSVP Houston. I enjoy traveling, a backyard BBQ, and volunteering in my community.

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