Best Medicare Supplement Plans in Texas 2025

Blue Cross Blue Shield of Texas offers the best overall value for Texas Medicare Supplement (Medigap) plans in 2025. Their Plan G stands out with a monthly rate of $159, while their Plan N rates are $131 monthly.

BCBS‑TX is a major provider in Texas, offering Medigap Plans A, G, High-Deductible G, and N (and Plan F for pre‑2020 eligibles) across all ZIP codes in the state.

They control a significant market share (roughly 25%) in the Texas Medicare Supplement space. While rates are not the lowest in Texas, BCBS‑TX often ranks in the middle tier, providing stable and reliable pricing.

However, if you’re looking for a provider with the cheapest premium, we also recommend Humana Insurance Company (we’ll discuss some precautions with picking the cheapest option later).

In this article, we’ll break down both BCBS TX and Humana in terms of:

• Plan offerings
• Premium comparisons
• Pros and cons
• Extra benefits

In Texas, more than 931,380 residents enjoy the benefits of Medicare Supplement insurance. Notably, 45% of the population is enrolled in Medigap Plan G, while a comparatively lower 8% have opted for Medigap Plan N.

Best Overall Value: Blue Cross Blue Shield of Texas

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BCBS TX Overview:

Blue Cross Blue Shield of Texas holds a big chunk of the health insurance market, with a 25% share overall.

They offer Medigap plans A, G, N, and F, but since Plan F isn’t available to new beneficiaries anymore and Plan A isn’t super popular due to its limited coverage, we’ll mainly focus on Plans G and N.

What sets BCBS apart is its offering of two prescription drug plan options – a rare feature among Medicare Supplement providers, who typically only offer the supplement plan, leaving you to find a separate drug plan on your own.

With BCBS, you also get access to their Blue365 fitness discount program, a 24/7 nurse hotline, plus optional hearing, dental, and vision policies that can be added to your Medicare Supplement plan.

For pricing, Plan G is around $159/month, and Plan N is about $131/month. These are standard rates, so keep in mind that household premium discounts aren’t included here.

Speaking of discounts, there’s a 10% spouse/partner discount if you live with a spouse or domestic partner and a 7% Blue discount for policyholders already enrolled in a BCBS Texas Supplement plan.

Pros and Cons of BCBS TX:

Pros:

• Strong Market Presence and Stability: With a 25% market share, BCBS TX is one of the most trusted Medigap providers in Texas.
• Comprehensive Plans: Offers Medigap Plans G, N, A, and F.
• Includes two Part D prescription drug plans, which many competitors don’t offer.
• Competitive Discounts: Get a 10% discount if you live with a spouse or domestic partner, a 7% Blue Discount if you switch from a BCBS TX group or individual plan within a year, and a 12% Blue Family Discount – one of the best in Texas.
• Extra Perks: Enjoy the Blue365 fitness discount program, 24/7 access to a nurse line for health concerns, and optional dental, vision, and hearing coverage.
• Reasonable Rate Increases: Rates typically increase 3%- 5% annually, which is lower than many competitors’ rates. While 2024 saw bigger increases (7%- 19%) due to post-pandemic claims, rates are expected to level out.
• No Network Restrictions: Visit any doctor or hospital that accepts Medicare – no referrals or prior authorizations needed.

Cons:

• Higher Premiums Compared to Competitors BCBS TX isn’t the cheapest option.
• Rate Stability Concerns Post-pandemic rate hikes (up to 19% in 2024) have raised concerns. Future increases may stabilize to 3%-5% annually but aren’t guaranteed.
• No Coverage for Part B Deductible, Drugs, or Routine Care Like all Medigap plans, BCBS TX doesn’t cover the Part B deductible ($257 in 2025).
• Less Competitive Without Discounts Those not eligible for discounts may pay higher premiums compared to competitors like Humana or Cigna.

Best Plan G and Plan N Rates in Texas: Humana

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Average Medigap Plan G Cost in El Paso County, TX:

Female Ages:

65:  $129

70:  $137

75:  $161

Male Ages:

68:  $148

70:  $154

75:  $183

Humana Plan G Overview:

Humana’s Medigap plans include 5% household discounts, auto-pay savings, and additional perks, making them a great choice when obtaining a Medicare Supplement insurance plan.

Medigap Plan G offers many coverage benefits, including Part B excess charges, Medicare Part A deductible, foreign travel medical emergency care, and Medicare Part B coinsurance. Not only that, it eliminates the need for referrals and network restrictions.

Plan G covers:

• Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
• Medicare Part A deductible
• Part A hospice care coinsurance or copayments
• Skilled nursing facility coinsurance
• Medicare Part B coinsurance or copayments (including doctor visits and outpatient services)
• Part B excess charges (if your doctor charges more than the Medicare-approved amount)
• First 3 pints of blood (used in a medical procedure)
• 80% of approved emergency medical costs during foreign travel (up to plan limits)

Plan G does not cover:

• Medicare Part B deductible (which is $257 in 2025)
• Prescription drug coverage (you’ll need a separate Part D plan)
• Routine dental, vision, or hearing care
• Long-term care or custodial care (like in assisted living)
• Personal comfort items or unapproved alternative therapies

You can also use any medical provider participating in the Original Medicare network. Plan G is renowned for significantly reducing out-of-pocket expenses for beneficiaries, making it a highly desirable option.

Next up, let’s look at the details of Plan N with Humana.

Average Medigap Plan N Cost in Travis County, TX:

Female Ages:

65:  $92

70:  $104

75:  $127

Male Ages:

68:  $108

70:  $117

75:  $144

Humana Plan N Overview:

Medigap Plan N with Humana allows you to see any doctor who accepts Original Medicare. This plan usually carries less significant rate increases annually than other Medigap plans. Office visits come with a $20 copay, while ER visits have a $50 copay.

Although there are these additional copays, Plan N effectively reduces out-of-pocket expenses, ensuring you have peace of mind.

Plan N covers:

• Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
• Medicare Part A deductible
• Part A hospice care coinsurance or copayments
• Skilled nursing facility coinsurance
• Medicare Part B coinsurance or copays
• First 3 pints of blood
• 80% of emergency medical costs during foreign travel (up to plan limits)

Plan N does not cover:

• Medicare Part B deductible
• Part B excess charges (unlike Plan G)
• Prescription drugs (Part D plan needed separately)
• Routine dental, vision, or hearing care
• Long-term or custodial care

Note: Monthly premiums quoted here reflect low-to-average rates at the time of writing.  This is not a guarantee of coverage or a personalized quote.

Pros and Cons of Humana:

 

Pros:

• Established National Brand: Backed by a financially strong, widely trusted company, providing policyholders with peace of mind and claim reliability.
• Optional Wellness Perks: Some plans (especially Humana Achieve) offer vision/hearing benefits, wellness programs, or care coordination add-ons.
• Household Discounts: Policyholders can save up to 5% on premiums
• No Network Restrictions: Policyholders can visit any Medicare-accepting provider nationwide, with no referrals needed.

Cons:

• Above-Average Rate Increases in 2025: Filed rate hikes of 7–10% in several Texas regions, slightly higher than competitors like BCBS-TX or Mutual of Omaha.
• Rate Variability by ZIP Code: Plan G premiums can range from ~$125 to over $300/month depending on location—so costs may spike in denser metro areas like Houston or Dallas.
• Smaller Medigap Market Share: While Humana is a top Medicare Advantage provider, its Medigap market share is smaller in Texas, affecting localized support and broker familiarity.

A Medigap Market Lesson from Texas

Before we move on, I believe it’s important to recognize a common trap: choosing a plan based solely on the lowest monthly premium.

Sure, a cheaper plan may initially seem like a win, especially for those watching every dollar in retirement. But sometimes, those initial savings hide real risks.

Consider what happened in Texas in 2024. New Medigap carriers like Allstate Health Solutions and ACE (Chubb) burst onto the scene with ultra-competitive pricing, offering Plans G and N at rates significantly lower than more established insurers like Humana, BCBS of Texas, or Mutual of Omaha.

But by early 2025, both insurers began to withdraw from the Medigap market in Texas and other states, leaving policyholders in a scramble. With little advance notice, many were forced to find replacement coverage quickly.

For those outside their original 6-month Medigap enrollment window, this meant facing medical underwriting, potentially higher premiums, or even coverage denials.

Worse still, some beneficiaries encountered delays in claims processing, disrupted care, or confusion at providers’ offices during the transition – an especially tough situation for older adults managing chronic health conditions.

The takeaway? In Texas, as elsewhere, the cheapest plan isn’t always the most dependable. Look beyond the monthly premium. A slightly higher-priced plan from a financially stable, well-established insurer often delivers better peace of mind, especially when it matters most: at the point of care.

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Which Medigap Provider Should You Pick?

Right now, many of our clients are enrolling in BCBS TX because they offer the best value in the state. Others prefer the cheaper premiums and added perks that come with Humana.

Either way is a solid choice – both plans offer the full benefits and features of Medigap coverage, including no network restrictions, freedom to see any Medicare provider, and reliable coverage for out-of-pocket costs.

Choose Humana if you’re:

• Focused on affordability and want some of the lowest monthly premiums available in Texas
• Comfortable with some potential premium increases of 7-10%
• Looking for a fast application process and household discounts

Choose Blue Cross Blue Shield of Texas if you’re:

• Someone who values brand recognition and market longevity
• Interested in added benefits like a fitness discount program, 24/7 nurse line, and optional dental/vision/hearing plans
• Wanting built-in Part D drug plan options for added convenience
• Eligible for multiple discount opportunities, like spouse/partner savings or Blue family discounts

No matter which plan you go with, you’ll enjoy comprehensive Medigap coverage that helps protect you from unexpected healthcare costs.

How BCBS and Humana Compare to Other Top Medigap Companies in Texas

When searching for the best Medicare Supplement (Medigap) plan in Texas, affordability is often one of the most important factors. After reviewing multiple providers, Humana emerged as the cheapest choice compared to other well-known insurance companies in the state.

While rates can vary based on factors like age, gender, and ZIP code, Humana consistently provided some of the most affordable premiums across Texas.

That said, many other well-known insurance companies, including Blue Cross Blue Shield, also offer Medigap plans in Texas, and their rates may still be competitive depending on your location and personal needs.

To give you a broader perspective, we’ve compared Humana’s rates with those of other top Medigap providers in Texas.

This chart will help you see how Humana compares to the competition, allowing you to make the most informed decision when choosing your Medicare Supplement plan.

Company	Market Share	Plan G Cost	Plan N Cost	Cost by County	Financial Strength
Humana	<10%	$148	$108	El Paso	A
Aflac	0.24%	$156	$111	Panola	A+
Cigna Health Group	4.71%	$155	$115	Tarrant	A
Blue Cross Blue Shield of TX	18.50%	$159	$131	Cottle	A+
Mutual of Omaha	16.49%	$159	$121	Collin	A+
United Healthcare	25.58%	$166	$120	Denton	n/a
Aetna Health Insurance Company	11.42%	$220	$151	Dallas	A

When it comes to affordability, Humana clearly stands out as one of the lowest-cost Medicare Supplement providers in Texas for 2025.

Remember, price isn’t everything – some individuals may find better value in paying slightly more for the brand familiarity, added perks, or bundled coverage that other providers like BCBS TX offer.

It’s also important to remember that there are ten standardized Medigap plans available in Texas, which can make the decision feel overwhelming. Some counties may offer high-deductible versions of Plans F or G, giving additional cost-saving options to consider.

Regardless of the plan or provider you choose, most Medigap plans allow you to see any doctor who accepts Original Medicare, without being locked into a network, giving you flexibility and peace of mind.

Ultimately, the best plan combines affordability, stability, and personal fit, and comparing rates side by side is the smartest first step in finding yours.

How Much Does a Medigap Plan Cost in Texas?

Premiums for a Texas Medicare Supplement plan can cost as little as $45 or over $200, depending on your age and the level of coverage you choose.

Medigap Plan	Monthly Cost	Cost by County	Plan Popularity in Texas
Plan F	$180	Harris	42%
Plan G	$128	Travis	45%
Plan N	$99	Fort Bend	8%
High Deductible G	$48	Williamson	1%
Plan A	$131	Rockwall	0.57%
Plan K	$80	Galveston	0.4%

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Is Plan G Better Than Plan N?

When choosing between Medigap Plan G and Plan N, it’s important to evaluate both the premiums and out-of-pocket costs to determine which one is the best fit for your healthcare needs and budget.

Below, I’ll break down the differences in costs, including monthly and annual premiums, as well as typical out-of-pocket costs for office visits, urgent care, emergency room visits, hospital stays, and outpatient testing and surgery.

Premium Costs Comparison

The premium costs for Medigap plans can vary depending on the insurance provider, your location, and your age. Below are some example estimates of the monthly and annual premiums for Plan G and Plan N.

Note: These are general estimates and can vary based on location, insurer, and individual factors.

Out-of-Pocket Cost Comparison

In addition to premiums, Medigap plans also vary in how they cover additional healthcare services like office visits, urgent care, ER visits, hospital stays, and outpatient testing and surgery. The following chart outlines the typical out-of-pocket costs under Plan G and Plan N for these services.

Key Differences in Coverage

Office Visits:

• Plan G covers 100% of the costs for office visits.
• Plan N requires a $20 copay for most office visits.

Urgent Care:

• Plan G fully covers urgent care visits.
• Plan N requires a $50 copay for each urgent care visit.

Emergency Room (ER) Visits:

• Plan G fully covers ER visits (unless you’re admitted), meaning no out-of-pocket expenses for emergencies.
• Plan N has a $50 copay for ER visits, but this fee is waived if you’re admitted to the hospital, so it may not be a major concern for serious emergencies.

Hospital Stays:

• Both Plan G and Plan N fully cover hospital stays once you’ve met the Medicare Part A deductible. This means no additional out-of-pocket costs for hospital stays under either plan.

Outpatient Testing & Surgery:

• Plan G covers 100% of outpatient testing and surgery costs.
• Plan N also covers 100% of outpatient testing and surgery, but certain services may have a copay depending on the specifics of your care.

In a Nutshell:

Plan G offers more comprehensive coverage with no copays for most services. It’s ideal if you prefer minimal out-of-pocket costs and are willing to pay slightly higher premiums.

Plan N has lower premiums but comes with copays for certain services (like office visits and urgent care) and a $50 ER copay. It’s best for those who are generally healthy and are willing to pay a little extra for certain services in exchange for lower premiums.

Ultimately, the best plan for you will depend on your healthcare needs, budget, and how often you anticipate using medical services.

Which Medigap Plan Covers the Part A and Part B Deductibles?

Medigap Plan G vs. Medicare Advantage

What if You Can't Afford a Medicare Supplement Plan?

If you’re struggling to afford a standard Medicare Supplement (Medigap) plan, there are alternative options that can provide coverage at a lower cost.

The three main alternatives to explore are High Deductible Plan G, Medicare Advantage, and Medicaid.

Option #1. High Deductible Plan G

High Deductible Medigap Plan G is often the best option if you’re looking for the comprehensive coverage of a Medigap plan at a much lower premium than a traditional Plan G.

While it requires you to meet a higher deductible before coverage kicks in, once that deductible is met, it covers all the benefits of traditional Medigap Plan G, including the Part A deductible, Part B coinsurance, and emergency foreign travel care.

Key Benefits:

• Lower premiums compared to a standard Plan G ($50-$80 monthly).
• Comprehensive coverage after meeting the deductible includes all the same features as Medigap Plan G.
• Ideal for those who are generally healthy and don’t expect to need frequent medical care.

Remember that the high deductible (currently $2,870 annually) means you’ll pay more out-of-pocket before your insurance kicks in. However, if you stay healthy and use healthcare minimally, your total costs may still be lower than those of other plans.

Option #2. Medicare Advantage Plan (Part C)

While Medicare Advantage plans (Part C) may seem attractive due to their lower premiums, they have several drawbacks that can make them less appealing, especially compared to Medigap plans like High Deductible Plan G.

Key Benefits:

• Low premiums, sometimes as low as $0 per month.
• Extra benefits, like dental, vision, and hearing coverage.
• Out-of-pocket maximums ($3K-$8K) can limit how much you spend on healthcare costs in a given year.

Drawbacks:

Most Medicare Advantage plans use network-based models. This means that you may be restricted to a specific group of doctors, hospitals, and specialists. If you need care outside of the network, you’ll likely face higher out-of-pocket costs or may not be covered at all.

Many Medicare Advantage plans require a referral to see a specialist, which can create delays and add steps to your care. In addition, some services may require prior authorization, meaning you have to wait for approval before receiving care. This can be a significant drawback for people needing specialized care or complex medical needs.

Medicare Advantage plans typically come with copayments and coinsurance for services like doctor visits, hospital stays, and emergency room visits. While the premiums may be low, these out-of-pocket costs can add up quickly. Some plans also have high deductibles for hospital stays and other services.

The coverage and costs of Medicare Advantage plans can vary greatly depending on the provider and your location. This variability can make it difficult to compare plans and predict future costs.

Medicare Advantage plans are often criticized for offering limited coverage compared to Original Medicare and Medigap plans. Some services, such as certain medical equipment or treatments, may require additional out-of-pocket costs.

Option #3. Medicaid

If you meet specific financial and medical criteria, you may qualify for Medicaid, a state and federally funded program designed to provide healthcare coverage for low-income individuals. Medicaid typically covers a wide range of services, including hospital care, doctor visits, and prescription medications.

In some cases, Medicaid can also assist with paying for your Medicare premiums through Medicare Savings Programs.

Key Benefits:

• Comprehensive healthcare coverage typically comes with little to no cost for services.
• Medicare Savings Programs can help cover Medicare premiums, deductibles, and coinsurance.
• Minimal or no out-of-pocket costs, which can be ideal for individuals who have low incomes.

Drawbacks:

Medicaid eligibility is based on income and assets, varying from state to state. You’ll need to meet certain financial criteria, which can be a barrier if your income is slightly above the Medicaid threshold.

In some states, Medicaid may have a limited network of providers, which can restrict your choice of doctors and hospitals. If you want the flexibility to see any doctor who accepts Medicare, a Medigap plan would be a better choice.

Lastly, Medicaid programs are administered by individual states, so coverage and benefits can vary widely from state to state. This means you’ll need to research your state’s specific Medicaid benefits.

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Summary of Options:

While Medicare Advantage may seem attractive because of its low premiums, its limitations on provider choice, potentially high out-of-pocket costs, and administrative complexity make it a less reliable option than High Deductible Plan G.

The High Deductible Plan G offers the best balance of affordable premiums and comprehensive coverage without the restrictions or unpredictability that come with Medicare Advantage plans.

If you’re looking for comprehensive and predictable coverage, High Deductible Plan G should be your first choice, with Medicaid as a fallback if you qualify.

Do You Need a Stand-Alone Prescription Drug Plan With Medigap?

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Bottom Line

When it comes to Medicare Supplement plans in Texas, both Blue Cross Blue Shield of Texas and Humana offer strong, reliable options, each appealing to different priorities.

BCBS TX stands out for its long-term value, deep market presence, and added perks like prescription drug plan bundling and wellness discounts. It’s a go-to choice for those seeking stability, brand trust, and comprehensive support.

On the other hand, Humana’s lower premiums and household discounts make it an attractive option for cost-conscious shoppers, especially those in good health and comfortable with modest rate variability.

Ultimately, the best Medigap plan is the one that fits your lifestyle, healthcare needs, and budget. Whether you’re drawn to BCBS TX’s consistency or Humana’s affordability, both carriers provide the core benefits of Medigap – nationwide access to care, predictable coverage, and peace of mind.

Be sure to compare rates in your ZIP code, explore discount eligibility, and consider long-term needs before enrolling. And remember: when it comes to your health, value goes far beyond the monthly price tag.

With Policy Guide’s assistance, you may access the knowledge and expertise of professional agents. They will help you compare health plans, quotes, and policies to make an informed decision. Let us guide you to find the plan that suits your needs.

Article Sources:  Types of Plans  |  Texas Medigap Guide  |  Texas AHIP

Frequently Asked Questions

• Is there a Medicare Supplement in Texas that covers everything?

  If you were eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. However, Plan G typically provides more coverage than other options if you become eligible after that date.

• Does BCBS TX cover dental?

  ​Blue Cross Blue Shield of Texas (BCBSTX) offers standalone dental plans with monthly premiums that vary based on the specific plan, coverage level, and your location within Texas. For instance, the BlueCare Dental 1A plan provides comprehensive coverage, including 100% coverage for most preventive services when using in-network dentists, with an individual deductible of $50 and an annual maximum benefit of $1,500.

• How much is an ER visit without health insurance?

  An ER visit without insurance can cost anywhere from $500 to over $10,000, depending on the severity of the issue and the tests or treatments required. Basic visits for minor issues range from $500–$1,500, moderate cases with labs or X-rays can cost $1,500–$3,000, and serious emergencies like broken bones or chest pain can exceed $10,000. Costs are driven up by tests, procedures, specialists, and facility fees.

• Does Texas have a Medigap birthday rule?

  Texas does not have a Medigap birthday rule, which allows people in some states to switch Medicare Supplement plans each year without medical underwriting. States like California, Oregon, and Idaho offer this rule, while others like Illinois and Nevada have limited versions. In Texas, switching plans may require medical underwriting unless you’re in your Medigap Open Enrollment Period or have a guaranteed issue right.

• Do Medigap plans in Texas offer any special coverage for snowbirds or out-of-state care?

  Yes, but not in a special way, because all Medigap plans are standardized nationally. As long as a provider accepts Medicare, your Medigap plan will cover your care anywhere in the U.S. That’s a major advantage over Medicare Advantage plans, which often limit you to local networks.

• Are Medigap plans affected by inflation or medical cost trends?

  Indirectly, yes. While Medigap benefits are standardized, premium increases can reflect rising healthcare costs, utilization rates, and inflation. Carriers file rate changes annually with the Texas Department of Insurance. Choosing a company with historically stable rate increases can protect you from sharp premium spikes.

• What happens if my Medigap insurer exits the Texas market?

  If your insurer withdraws from the market, you’ll typically receive a guaranteed issue right to buy another Medigap plan from a different carrier without medical underwriting. However, you must act within 63 days of losing your plan to retain that protection.