Medicare Supplement Plan G in Texas

Of the ten Medigap plans offered, Medicare Supplement Plan G in Texas is widely regarded as one of the best and most comprehensive Medigap plans available. Monthly rates range from $113 to $275.

Its extensive coverage provides peace of mind by filling the gaps left by Original Medicare. When considering Plan G, comparing rates and evaluating top Medicare Supplement insurance companies is essential to find the best option that suits your healthcare needs.

  • Key Points
    • In Texas, Medicare Supplement Plan G provides comprehensive coverage and the opportunity to minimize out-of-pocket expenses.
    • With more than 40 companies in Texas, ACE Insurance Company offers the most competitive rates on Plan G.
    • Over 400,000 Texans have enrolled in Plan G, with monthly rates ranging from $113 to $275.00.

Which Companies Offer the Best Plan G Rates in Texas?

There are 47 Medigap providers in Texas, which can make your carrier choices seem overwhelming. To make it easier, we have identified the best companies to help narrow down your options. Regarding the most affordable Medicare Supplement Plan G rates in Texas, ACE, Allstate Health Solutions, Aflac, Aetna, Cigna, and Mutual of Omaha stand out as top choices, with premiums ranging from $113 to $150 monthly.

Here is a list of the top Plan G companies in Texas, with a detailed comparison to Plan N to illustrate the monthly rate differences.

Plan G
Plan N
Rate Increase
(Last 5 years)
Allstate Health Solutions0.02%$117.48$92.75n/aA+
Cigna Health Group 7.46%$130.62$91.343.2%A
Mutual of Omaha6.8%$130.99$99.463.0%A+
Blue Cross Blue Shield of Texas
Quotes are the average monthly rate for a 65-year-old male nonsmoker living in TX zip code 79936.

It’s crucial to remember that evaluating rates and benefits from multiple providers is essential in finding the perfect Medigap plan that meets your healthcare needs.

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What Does Medicare Supplement Plan G Cover?

Medigap Plan G provides comprehensive coverage, including initial pints of blood, Medicare Part A deductible, hospital costs, hospice care coinsurance, skilled nursing facility care, Part B excess charges, durable medical equipment, foreign travel emergency care, and Part B coinsurance and copays.

What’s NOT Covered by Plan G?

Plan G does not cover the Medicare Part B deductible and prescription drug medications. Understanding these limitations can help you make an informed decision and avoid surprises regarding out-of-pocket expenses.

If prescription drug coverage is a priority for you, it’s worth considering enrolling in a separate Medicare Part D plan.

When Is the Best Time to Enroll in Medigap Plan G?

1. Medigap Open Enrollment Period

Enrolling in Medicare Supplement Plan G in Texas is straightforward, but timing is crucial. The best time to enroll is during the Medigap Open Enrollment Period, which is a six-month window that begins when you turn 65 and enroll in Medicare Part B. During this period, insurance companies are required to offer any plan they provide without considering pre-existing medical conditions, ensuring the best pricing and ensuring guaranteed acceptance.

2. Enrolling Outside the Medigap Open Enrollment Period

Enrolling in a plan outside the Medigap Open Enrollment Period is possible but has certain drawbacks. Insurance companies are not obligated to offer plans without considering pre-existing conditions, which may result in higher premiums or denial of coverage. Enrolling during the Medigap Open Enrollment Period is crucial to avoid these potential issues.

Is Medigap Plan G the Best Option in Texas?

Medigap Plan G is an excellent choice for Medicare beneficiaries in Texas. It offers comprehensive coverage, including Medicare Part A and Part B coinsurance, hospital costs, and skilled nursing facility care. However, comparing coverage, rates, and benefits with other Medigap plans is important to find the best fit for your needs.

Final Verdict

Medicare Supplement Plan G is an excellent choice for folks in Texas who are on Medicare. If you’re looking for a plan that fits your healthcare needs without costing a fortune, it’s worth comparing Medigap rates and checking out top insurance companies.

Policy Guide provides expert assistance in choosing the right Medicare plan. Our professional agents help you compare Medicare health plans’ benefits and prices to make an informed decision. Let us guide you to find the plan that best suits your needs.

Article Sources:  Types of Plans Medigap Plan Cost  | Aetna Plan G | Blue Cross Blue Shield of Texas Plan G | Mutual of Omaha Plan G  |  Allstate |  Cigna | Aflac

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Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.