Medicare Supplement (Medigap) Plans in Texas
Updated: June 2026
Kevin Fuller is an independent, Texas-licensed Medicare broker. He helps Texans compare Medicare Supplement (Medigap) plans from the major carriers — from Houston and the Gulf Coast to Dallas-Fort Worth, Austin, San Antonio, and rural Texas — at no cost to you.
There is no fee to work with Kevin and no obligation to enroll. Call 832-810-5433 to walk through your options one-on-one.
What is a Medicare Supplement plan?
A Medicare Supplement plan — also called Medigap — is private insurance that works alongside Original Medicare (Parts A and B). It helps pay the deductibles, coinsurance, and copays that Original Medicare leaves behind, so most covered medical bills go through Medicare first and your Medigap plan second.
Medigap doesn't include prescription drug coverage, so most people pair it with a stand-alone Medicare Part D plan. Unlike Medicare Advantage, Medigap has no provider network — you can see any doctor or hospital in the country that accepts Medicare.
Medigap vs Medicare Advantage
Most Texans choose one path or the other. Medigap keeps you on Original Medicare with predictable out-of-pocket costs and nationwide provider access; Medicare Advantage bundles your benefits into one private plan that often includes drug, dental, and vision coverage but uses a regional network.
If you spend time outside Texas, see specialists at multiple health systems, or want predictable bills, Medigap is usually the better fit. If you're looking for $0-premium plans with extra benefits and don't mind a network, see the Houston Medicare Advantage guide.
Plan letters that matter in Texas
- Plan G — The most comprehensive plan available to people newly eligible for Medicare. Covers everything Original Medicare leaves behind except the small annual Part B deductible.
- Plan N — Lower premium than Plan G in exchange for small copays at doctor and ER visits, and you pay the Part B deductible and any Part B excess charges.
- High-Deductible Plan G — The lowest premium Medigap option. You pay all out-of-pocket costs until you meet the annual high deductible, then the plan covers what standard Plan G covers.
- Plan F — Closed to anyone newly eligible for Medicare on or after January 1, 2020. Existing enrollees can keep it, but new applicants should compare Plan G instead.
Benefits within each plan letter are identical by law, so carrier comparison comes down to price today, expected price tomorrow, and the carrier's track record on rate increases and service.
What Medigap costs in Texas
Premiums vary by age, ZIP code, gender, tobacco use, and carrier. Texas allows three pricing methods, and how a premium changes over time depends on which one your carrier uses:
- Attained-age rated — Premium rises as you age.
- Issue-age rated — Premium is set by your age at enrollment and only changes for inflation.
- Community-rated — Every enrollee pays the same regardless of age.
Comparing total cost over time — not just the first-year premium — is one of the most important parts of the review.
Enrollment & underwriting in Texas
- Medigap Open Enrollment — The 6-month window that starts the month you're 65 and enrolled in Part B. Guaranteed acceptance, no medical questions, no rate-ups.
- Guaranteed-issue rights — Triggered by certain events like losing employer coverage or a Medicare Advantage plan leaving your area. You can enroll in qualifying Medigap plans without underwriting.
- Outside those windows — Texas carriers can use medical underwriting. Many healthy applicants still qualify, but it pays to shop multiple carriers before dropping your current coverage.
How Kevin helps
Kevin represents multiple Medigap carriers across Texas. A typical review covers:
- Pulling real rates for your age, ZIP, and tobacco status
- Comparing Plan G, Plan N, and High-Deductible Plan G side-by-side
- Explaining how each carrier prices increases over time
- Pairing your Medigap with a stand-alone Part D drug plan
- Handling underwriting paperwork if you're switching carriers
You pay nothing for the help. Premiums are set by the carrier and are the same whether you enroll on your own or through a broker.
Ready to compare Texas Medigap plans?
Call Kevin directly or schedule a no-cost review.
Frequently asked questions
What is the best Medicare Supplement plan in Texas?
There isn't one best plan for everyone, but Plan G is the most popular choice for people newly eligible for Medicare. It covers nearly every gap in Original Medicare except the small Part B deductible. Plan N is a lower-premium alternative with modest copays, and High-Deductible Plan G offers the lowest premium in exchange for paying more before coverage kicks in. The right pick depends on your budget, health, and how often you expect to see doctors.
Is Medicare Supplement Plan G available in Texas?
Yes. Plan G is sold by most major Medigap carriers in Texas. Benefits are standardized by federal law, so Plan G from one carrier covers exactly the same medical costs as Plan G from any other — only the premium and customer service differ.
Can I change Medicare Supplement plans in Texas without underwriting?
In most cases, no. Outside of your initial 6-month Medigap Open Enrollment Period at age 65 or a guaranteed-issue right, Texas carriers can use medical underwriting to accept, decline, or rate your application. That doesn't mean you can't switch — many people in good health do — but it's worth comparing options with a broker first so you don't drop existing coverage before you're approved.
Does Humana or UnitedHealthcare offer Medigap plans in Texas?
Yes. Both Humana and UnitedHealthcare (through AARP-branded plans) sell Medicare Supplement plans across Texas, alongside other major and several regional carriers. Kevin shops your specific ZIP code across these carriers so you see real rates, not estimates.
How much do Medicare Supplement plans cost in Texas?
Texas Medigap premiums vary by age, ZIP code, gender, tobacco use, and carrier. For a 65-year-old in Texas, Plan G premiums commonly fall in a wide range depending on the carrier and area. Texas allows attained-age, issue-age, and community-rated pricing, so how a premium changes over time differs between carriers — that's one of the most important things to compare.
Do I have to pay Kevin to help me choose a plan?
No. There is no fee to work with Kevin. Independent Medicare brokers are paid by the insurance carriers when you enroll, so your premium is identical whether you sign up on your own or with help.