Blue cross blue shield of texas medicare supplement plan g

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Last updated 8.9.2022 Y0096_WEBTXCDIS21_M

Consumers Direct Insurance Services

17304 Preston Road, Suite 800
Dallas, TX 75252

In Texas, it costs an average of $147 per month for Medicare Supplement Plan G, which is the best coverage for new enrollees.

With Medicare Supplement, also called Medigap, your costs can vary by the plan's level of coverage, the insurance company and your age. Most Medigap enrollees in Texas choose Medigap Plan F or G, as these two options have the highest levels of coverage.

We recommend AARP/UnitedHealthcare (UHC) as the overall best Medigap provider in Texas because of its good customer satisfaction, moderate costs and included extras such as dental discounts. For those looking for cheap coverage, Medigap Plan N provides coverage that's nearly as good as Plan G, and Aetna's Plan N costs $88 per month in Texas, although there is a trade-off in customer satisfaction ratings.

What's the best Medicare Supplement company in Texas?

In Texas, AARP/UnitedHealthcare is the overall best Medicare Supplement provider.

AARP/UHC plans are more popular than plans from Blue Cross and Blue Shield (BCBS) of Texas. Even though its prices can be slightly higher, AARP/UHC policyholders are generally more satisfied with their coverage.

Insurer

Popularity

Plan G cost

Plan N cost

Customer satisfaction

Financial strength

AARP/UHC 27% $126 $107 4.5 A+
BCBS of Texas 19% $121 $99 3.0 A
Mutual of Omaha 15% $133 $100 5.0 A+
Aetna 7% $126 $88 1.5 A
Cigna 3% $148 $101 4.0 A
USAA 3% $123 $113 5.0 A++
Humana Less than 3% $122 $96 1.0 A-
Amerigroup Less than 3% $119 $102 5.0 A

Comparison of the companies with the largest Medigap market share in Texas. Costs are the average monthly rate for a 65-year-old female nonsmoker in Dallas. Popularity is the market share percentage in Texas by premiums. Customer satisfaction is based on the rate of complaints for each company's Medigap division.

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frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECigna\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$148\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$101\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$123\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$113\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHumana\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003ELess than 3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$122\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$96\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA-\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerigroup\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003ELess than 3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$119\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$102\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee 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AARP/UnitedHealthcare is not just the best provider in Texas, it's also one of the best Medicare Supplement providers nationally because plans frequently provide a good value on coverage.

Remember that with Medigap, a plan's medical benefits are standardized by plan letter, so you'll get the same coverage no matter what company you choose. And with the majority of Medigap plans, you'll have coverage at any doctor or medical provider who accepts Medicare, which means 99% of medical providers nationwide.

With both medical coverage and access to doctors being consistent, it's easier to compare Medicare Supplement plans based on cost and customer satisfaction to decide which is the best provider for you.


How much does a Medigap plan cost in Texas?

Most people in Texas pay between $130 and $180 per month for a Medigap plan.

However, costs can vary widely based on a range of factors including the plan's level of coverage and the age of the enrollee.

For example, a 65-year-old in Texas will pay an average of $178 per month for Medigap Plan F, $147 per month for Medigap Plan G, $131 per month for Medigap Plan N and $53 per month for high-deductible Plan G.

texas medicare supplement cost chart

Medigap plan

Monthly cost in Texas

Popularity in Texas (enrollment)

C $189 1%
F $178 46%
A $178 1%
B $167 0%
D $156 1%
G $147 41%
L $139 0%
M $132 0%
N $131 7%
K $75 1%
FH $67 -
GH $53 -

Median monthly cost in Texas for someone aged 65 to 69. Enrollment does not total 100% because of discontinued, waivered and pre-standardized plans that are not shown here. Enrollment in high-deductible plans is grouped together with the standard plan letter.

Find Cheap Medicare Plans in Your Area

  • Plan F: Providing the best coverage available, Medigap Plan F is also the most popular plan in Texas, and 46% of Medigap enrollees have chosen this plan. With an average cost of $178 per month, you'll eliminate most health care expenses including the deductibles and copayments for medical care and hospitalization. However, Plan F is only available to those who were eligible for Medicare prior to 2020.
  • Plan G: Plan G has the best coverage that's available to new Medicare enrollees. For an average cost of $147 per month, enrollees will have very few medical expenses. And in Texas, Plan G may be a better deal than Plan F, even though you'll have more medical expenses. For example, with Plan G, you'll have to pay the Medicare Part B deductible, which is currently $233 per year. But if Plan G costs at least $20 less per month than Plan F ($240 less per year), then Plan G will be a better deal than Plan F.
  • Plan N: Plan N is a good choice for shoppers on a budget who want very good coverage but who are willing to pay for some medical care, such as the $233 Medicare Part B deductible and $20 copays for office visits. You'll be fully covered for major medical costs including hospitalization. Plan N costs an average of $131 per month in Texas, and it's a somewhat popular choice, with 7% of the state's enrollment.
  • High-deductible Plan G: With an average cost of $53 per month, high-deductible Plan G is the cheapest Medigap plan in Texas. This plan provides catastrophic-style coverage because the typical Plan G benefits will only kick in after you've spent $2,490 on your medical care. Before the Medigap plan kicks in, you'll have the standard coverage through Original Medicare and will typically pay about 20% of your medical costs. However, if you have a serious illness, this cheap Medigap plan will protect you from a situation where your medical bills add up to tens of thousands of dollars.

List of Medigap companies in Texas

In Texas, there are 47 insurance companies selling Medigap plans.

  • Accendo (CVS)
  • Aetna (CVS)
  • American Benefit Life Insurance Co.
  • Amerigroup (Anthem)
  • Atlantic Coast Life Insurance
  • Bankers Fidelity Assurance Co.
  • Blue Cross and Blue Shield of Texas
  • Capitol Life Insurance
  • Catholic Life Insurance
  • Central States Health and Life Co. of Omaha (CSO)
  • Cigna
  • Colonial Penn
  • Elips Life Insurance
  • Federal Life Insurance
  • GPM Health and Life Insurance
  • Globe Life
  • Great Southern Life Insurance
  • Guarantee Trust Life Insurance
  • Heartland National Life Insurance
  • Humana
  • Magna Insurance Co.
  • Manhattan Life
  • Medico Insurance Co.
  • Mutual of Omaha

  • Nassau Life Insurance Co.
  • National Guardian Life Insurance Co.
  • National Health Insurance Co.
  • Old Surety Life Insurance Co.
  • Oxford Life Insurance Co.
  • Pan-American Life Insurance Co.
  • Pekin Life Insurance
  • Philadelphia American Life Insurance Co.
  • Physicians Life Insurance Co.
  • Puritan Life Insurance Co. of America
  • Resource Life Insurance Co.
  • SBLI USA Life Insurance Co.
  • Sentinel Security Life Insurance Co.
  • State Farm
  • Transamerica
  • USAA
  • Union Security
  • UnitedHealthcare
  • United American
  • United Commercial Travelers of America
  • United Insurance Co. of America
  • United States Fire Insurance Co.
  • Wisconsin Physicians Service Insurance Corp.


Medicare resources in Texas

Choosing the best Medicare plan can be difficult, and there are resources within the state of Texas to help you make your decision or find out if you qualify for financial programs to help with Medicare costs.

In Texas, the State Health Insurance Assistance Program (SHIP) is also called the Texas Health Information, Counseling and Advocacy Program. Its resources are freely available, and you can speak with someone by phone or in one of the Texas offices.

The Texas Department of Insurance also provides a list of Medicare contacts to help you find the resources you need for your situation.

And if you're applying for Medicare for the first time, you can use the U.S. Social Security Administration's website to apply online or find a Social Security office in Texas.

Frequently asked questions

Does Texas have free Medicare?

Medicare Part A, which covers hospitalization, is free for most people because of payroll taxes paid when working. You can also enroll in a free Medicare Advantage plan if one is offered in your area. But Medicare Part B benefits are usually not free, and most people currently pay $170 per month.

Who is eligible for Texas Medicare?

You can become eligible for Medicare at age 65. Those who are younger may also become eligible through a qualifying disability or medical condition such as end-stage renal disease (ESRD) or Lou Gehrig's disease.

In Texas, 45% of Medicare enrollees have chosen a bundled Medicare Advantage plan. The remaining 55% have Original Medicare benefits and may be supplementing that coverage through Medigap, Medicaid or an employer-sponsored Medicare supplemental plan. These trends are similar to national enrollment trends, as 58% of enrollees nationwide have Original Medicare.

What is the cost of Medicare Plan G in Texas?

In Texas, Medigap Plan G costs an average of $147 per month for a 65-year-old. However, costs will vary by company, and Plan G from AARP/UnitedHealthcare is usually a good deal, costing $126 per month.

In Texas, AARP/UnitedHealthcare is the most popular Medigap provider with 27% of enrollment, and it's also one of the best Medicare Supplement providers nationally. This is followed by Blue Cross and Blue Shield of Texas, which has 19% of enrollment, Mutual of Omaha with 15%, and Aetna with 7%.

Does Texas have a Medicare Savings Program?

Yes. With the Texas Medicare Savings Program, you can qualify for financial help if you are an individual earning up to $18,348 per year ($1,529 per month) or a couple earning up to $24,720 per year ($2,060 per month). There are additional requirements regarding assets such as savings or stocks.

Sources and methodology

The costs for Medicare Supplement plans in Texas are based on rates provided by the Centers for Medicare & Medicaid Services (CMS) and Medicare.gov. We used standard costs where applicable without household discounts.

Enrollment data is based on AHIP's report on the state of Medicare Supplement coverage and the Medicare Supplement loss ratio report from the National Association of Insurance Commissioners (NAIC).

Additional information was sourced from AM Best for financial strength, the NAIC for the rate of complaints and Medicare.gov for general coverage details.

The customer satisfaction rating is a one-to-five score based on the NAIC complaint index of the company's Medigap division. The top score of 5.0 means the company has received less than a quarter of the complaints that a typical insurer of its size would receive.

Customer satisfaction score

Number of complaints a company receives as compared to a typical insurer of its size

5.0 (top rating) Over 75% fewer complaints than typical
4.5 50% to 75% fewer complaints than typical
4.0 25% to 50% fewer complaints than typical
3.5 0% to 25% fewer complaints than typical
3.0 An average rate of complaints
2.5 0% to 50% more complaints than typical
2.0 50% to 100% more complaints than typical
1.5 100% to 250% more complaints than typical
1.0 Over 250% more complaints than typical

Our calculations for a company's rate of complaints used a weighted average based on Texas market share for Aetna (Continental Life Insurance Company of Brentwood and Aetna Health Insurance Company) and Mutual of Omaha (United World Life Insurance Company, United of Omaha, Omaha Insurance Company and Omaha Supplemental Insurance Company).

What is the cost of Medicare Plan G in Texas?

What is the cost of Medicare Plan G in Texas? In Texas, Medigap Plan G costs an average of $147 per month for a 65-year-old. However, costs will vary by company, and Plan G from AARP/UnitedHealthcare is usually a good deal, costing $126 per month.

What is the cost for Plan G for 2022?

How much does Medicare Plan G cost? Medicare Plan G costs between $120 and $364 per month in 2022 for a 65-year-old. You'll see a range of prices for Medicare supplement policies because each insurance company uses a different pricing method for plans.

What does Supplemental Plan G covers?

What does Medicare Supplement Plan G cover? Plan G includes all the benefits of Medicare Supplement Plans A, B and C with the exception of the Medicare Part B deductible. It's a good fit for people who want some coverage for hospitalization, but are willing to pay the Medicare Part B deductible on their own.

How Much Does Medicare Plan G cost?

Annual premiums for Medicare Plan G typically cost between $1,500 and $2,000. Some insurance companies offer extra perks and benefits for vision and dental care with Medicare Plan G.