Best Medicare Supplement Plans in Texas 2025
ACE Insurance Company offers the most competitive rates for Texas Medicare Supplement (Medigap) plans in 2025.
Their Plan G stands out with a low monthly rate of just $128 in El Paso County, while their Plan N rates are only $92 monthly in Travis County.
Our review of ACE’s Medicare Supplement plans for 2025 shows that they offer highly competitive prices compared to other companies. Their premiums are cheaper in many states, including Texas.
ACE provides up to a 7% discount for eligible household members, four Medigap plan options, and no network restrictions.
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 Plan G Rates in Texas: ACE
65: $113
70: $116
75: $137
68: $128
70: $130
75: $154
ACE’s Medigap plans include household discounts, a fast underwriting process, and high customer satisfaction ratings, 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.
You can 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.
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.
Best Plan N Rates in Texas: ACE
65: $82
70: $84
75: $99
68: $92
70: $94
75: $112
Medigap Plan N with ACE 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.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency 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.
While searching for the top Medicare Supplement plans in Texas, we only considered options from companies with consistent financial stability.
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.
How ACE Compares 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, ACE emerged as the top choice due to its lower monthly rates compared to other well-known insurance companies in the state.
While rates can vary based on factors like age, gender, and ZIP code, ACE consistently provided some of the most affordable premiums across Texas.
That said, many other well-known insurance companies 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 put together a comparison of ACE’s rates alongside other top Medigap providers in Texas.
This chart will help you see how ACE stacks up against 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 |
| ACE | 0.10% | $128 | $92 | Houston | A+ |
| Allstate | 0.02% | $138 | $91 | Comanche | A+ |
| Aflac | 0.24% | $156 | $111 | Panola | A+ |
| Cigna Health Group | 4.71% | $155 | $115 | Tarrant | 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 |
There are ten standardized Medigap plans to choose from in Texas, which can make the decision daunting. Some areas may also offer additional high-deductible options for certain plans. Most Medigap plans don’t limit you to specific networks, so you can receive care from any provider that accepts Original Medicare.
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% | ||
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.
| Plan | Monthly Premium | Annual Premium |
|---|---|---|
| Plan G | $128 – $220 | $1,536 – $2,640 |
| Plan N | $92 – $151 | $1,104 – $1,812 |
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.
| Service | Plan G | Plan N |
|---|---|---|
| Office Visits | $0 (Fully covered) | $20 copay per visit (unless preventive care) |
| Urgent Care | $0 (Fully covered) | $50 copay per visit |
| Emergency Room (ER) | $0 (Fully covered, except if admitted) | $100 copay per visit (waived if admitted) |
| Hospital Stays | $0 (Fully covered after deductible) | $0 (Fully covered after deductible) |
| Outpatient Testing & Surgery | $0 (Fully covered) | $0 (Fully covered, with copay for certain 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.
Summary of Options:
| Option | Coverage | Premiums | Out-of-Pocket Costs | Pros | Cons |
|---|---|---|---|---|---|
| High Deductible Plan G | Comprehensive, same benefits as standard Plan G | $50 – $80/month | High deductible ($2,870/year) | Lower premiums with comprehensive coverage | High upfront deductible before coverage starts |
| Medicare Advantage | This includes Medicare and additional benefits (dental, vision, etc.). | $0 – $100/month | Copays, coinsurance, and potential out-of-pocket max | Low premiums, extra benefits | Limited provider networks, referrals required, higher copays, unpredictable costs |
| Medicaid | Comprehensive healthcare coverage varies by state | $0 | Very low or no out-of-pocket costs | No premiums, low out-of-pocket, may cover Medicare costs | Eligibility restrictions, state-specific, may have provider limits |
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?
Bottom Line
After years of experience assisting individuals in attaining the coverage they need, we have come to love ACE. Our customers who select them often remain with them since their customer service is unparalleled.
ACE offers unrivaled value and a fast enrollment process, and its track record for prompt claims payment is second to none.
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.
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 | Plan Costs | Texas Medigap Guide | Texas AHIP
Frequently Asked Questions
- Is there a Medicare Supplement in Texas that covers everything?
- How much are Medigap plans in Texas?
- Who is the best Medicare Supplement provider in Texas?
