What Are The Best Medicare Supplement Plans in Texas?

Cigna offers the best rates on Medicare Supplement plans in Texas. Their Plan G comes out on top with a low monthly rate of just $119.68, while their Plan N rates are only $83.69 per month. Furthermore, they provide household discounts and a fast underwriting process alongside high customer satisfaction ratings – making them a great choice when it comes to obtaining a Medicare Supplement insurance plan.

Best Plan N in Texas: Cigna

• Plan N: $83.69 per month
• Customer satisfaction: 98%

Best Plan G in Texas: Cigna

• Plan G: $119.68 per month
• Customer satisfaction: 98%

While searching for the top Medicare Supplement plan in Texas, we only considered options from companies with reliable financial stability. Unfortunately, contrary to popular opinion, insurance companies new to the Medicare market don’t always offer lower rates; also, their prices often increase more than older, more stable companies. Therefore, to save yourself money and hassle later, it’s safest to stick with familiar brands that have stood the test of time.

Best Plan G Rates: Cigna

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Plan G Overview:

The benefits offered with Cigna Medigap Plan G are vast and include Part B excess charges, Medicare Part A deductible, and Part B coinsurance. Moreover, no referrals are required, nor are there network limits. You may choose any medical provider if they participate in the Original Medicare network. Plan G is widely known to lower out-of-pocket expenses for beneficiaries.

Plan G Helps Pay The Following:

• Original Medicare Coinsurance
• Part A Deductible
• Foreign Travel
• Part B Excess Charges
• Emergency Care

Average Medigap cost in Texas:

65-year-old female

• Plan F: $149.63
• Plan G: $119.68

65-year-old male

• Plan A: $119.56
• Plan N: $83.69

Best Plan N Rates: Cigna

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Plan N Overview:

Medigap Plan N from Cigna allows you to visit any doctor that accepts Original Medicare. Your benefits stay consistent each year if you choose this plan, which has a copay of $25 for office visits and a $50 copay for ER visits. Despite these additional copays, Plan N still provides lower out-of-pocket expenses.

Plan N Helps Pay The Following:

• Original Medicare Part A and B Coinsurance
• Part A Deductible
• Emergency care

What's the Best Medicare Supplement Company in Texas?

The overall best Medigap provider in Texas is Cigna.

In Texas, Cigna Medigap plans are frequently more cost-effective than other options. This is a significant factor contributing to its rising popularity in our review. However, when selecting the best Medicare Supplement company for your needs, it’s essential to consider each plan letter individually; for instance, Plan N may be lower priced with one provider versus another. In contrast, Plan G could be better valued with another carrier. In addition, each company carries different strengths and weaknesses depending on its distinct plan offerings.

With ten identical standardized Medigap plans offered in Texas, it may not seem easy to pick the right policy. Fortunately, most Medigap plans don’t have networks, meaning you can see any healthcare provider who accepts Original Medicare. However, to make an informed decision and ensure the best value for money spent on your plan, you should compare companies by their costs and policyholder satisfaction ratings to find a suitable option.

How Much Does a Medigap Plan Cost in Texas?

Depending on your age and plan selection, the cost for a Texas Medicare Supplement plan can range from $43 to $249 per month.

How Does Age Affect Cost?

• How Rates Are Determined:

  Attained-age

  • Based on your age at enrollment. As you get older, the premiums go up. Although they may look less expensive when you are younger, they may become the most expensive as you age.

  Issue-age

  • Based on your age when you buy the Medigap plan. The premium rate does not increase as you age.

  Community-rated

  • Not based on age. The rate is the same for everyone, regardless of age.

  Both issue-age and community-rated premiums may increase in cost over time because of external factors such as inflation, but they will not increase because of a person’s age.

Final Verdict

Having long-term expertise in helping Medicare beneficiaries, we know that no perfect Texas Medicare Supplement plan exists. So, first and foremost, we will ask if you are new to Part A and B of Medicare; this way, medical underwriting can be bypassed. Then, after establishing your location, age group, and smoker status, the most economical choice is determined – keeping an eye on your budget while choosing a plan with ideal coverage at a sensible price point.

Understanding your health insurance needs is vital when selecting a Medicare Supplement plan. To simplify the process, we provide helpful facts and information that will support you in making an informed decision.

Key takeaways:

After years of assisting individuals in attaining the coverage they need, we have come to love Cigna. Our customers who select them often remain with them for a long time since their customer service is unparalleled. We believe that Cigna is one of the best and most reliable providers in the Medigap market.

Cigna offers unrivaled value and a fast enrollment process, and its track record for prompt claims payment is second-to-none.

Frequently Asked Questions

• When Is The Best Time To Enroll In A Medigap Plan?

  Apply during your six-month Medigap open enrollment period. This one-time period automatically starts the month you turn 65 and enroll in Medicare Part B. You can buy any Medigap policy sold in Texas during this time, even if you have health problems.

  You can still buy a policy after this enrollment period. However, it may be more expensive because insurers will look at your health condition when underwriting the policy, including preexisting conditions. Also, insurers may deny you altogether after inquiring about your previous health history.

  Check with your insurance agent to clarify deadlines and enrollment periods.

• Is There A Medicare Supplement 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.

Ready To Learn More?

Choosing the right Medicare Plan is not a decision that should be taken lightly. With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, prices, and policies to ensure that you make an informed decision. Let us guide you through this process so that your chosen plan best suits your needs.

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 - it's clear that he is a prime example amongst other competitors for expertise and assistance. Mark has held is Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of insurance website.