Best Medicare Supplement Plans in Texas 2025
ACE Insurance Company offers the cheapest rates for Texas Medicare Supplement (Medigap) plans in 2025. Their Plan G stands out with a low monthly rate of just $136 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.
However, if you’re looking for a provider with a larger market share, higher discount offerings, and extra perks, we highly recommend Blue Cross Blue Shield of Texas (BCBS TX).
In this article, we’ll break down both ACE and BCBS TX in terms of:
- Plan offerings
- Premium comparisons
- Pros and cons
- Extra benefits
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 and Plan N Rates in Texas: ACE
65: $121
70: $123
75: $146
68: $136
70: $138
75: $164
ACE Plan G Overview:
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.
Plan G covers:
- Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
- Medicare Part A deductible
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Medicare Part B coinsurance or copayments (including doctor visits and outpatient services)
- Part B excess charges (if your doctor charges more than the Medicare-approved amount)
- First 3 pints of blood (used in a medical procedure)
- 80% of approved emergency medical costs during foreign travel (up to plan limits)
Plan G does not cover:
- Medicare Part B deductible (which is $257 in 2025)
- Prescription drug coverage (you’ll need a separate Part D plan)
- Routine dental, vision, or hearing care
- Long-term care or custodial care (like in assisted living)
- Personal comfort items or unapproved alternative therapies
You can also 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.
Next up, let’s look at the details of Plan N with ACE.
Average Medigap Plan N Cost in Travis County, TX:
Female Ages:
65: $82
70: $84
75: $99
Male Ages:
68: $92
70: $94
75: $112
ACE Plan N Overview:
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.
Plan N covers:
- Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
- Medicare Part A deductible
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Medicare Part B coinsurance or copays
- First 3 pints of blood
- 80% of emergency medical costs during foreign travel (up to plan limits)
Plan N does not cover:
- Medicare Part B deductible
- Part B excess charges (unlike Plan G)
- Prescription drugs (Part D plan needed separately)
- Routine dental, vision, or hearing care
- Long-term or custodial 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.
Pros and Cons of ACE:
Pros:
- Financial Stability: ACE holds an A++ rating from A.M. Best for superior financial strength and reliability.
- Competitive Premiums: ACE’s Medigap Plan G premiums are, on average, 7.5% lower than those of other major insurers, offering cost-effective options.
- Household Discounts: Policyholders can save up to 7% on premiums when multiple household members enroll.
- No Network Restrictions: Policyholders can visit any Medicare-accepting provider nationwide, with no referrals needed.
Cons:
- Limited History: ACE entered the Medicare Supplement market in 2022, so it has a shorter track record than older providers.
- Application Fee: Some applicants may face a $25 enrollment fee.
- Fewer Extras: ACE offers limited perks and no bundling options for dental, vision, and hearing policies.
Best Overall Value: Blue Cross Blue Shield of Texas
BCBS TX Overview:
Blue Cross Blue Shield of Texas holds a big chunk of the health insurance market, with an 18.5% share overall.
They offer Medigap plans A, G, N, and F, but since Plan F isn’t available to new beneficiaries anymore and Plan A isn’t super popular due to its limited coverage, we’ll mainly focus on Plans G and N.
What sets BCBS apart is its offering of two prescription drug plan options – a rare feature among Medicare Supplement providers, who typically only offer the supplement plan, leaving you to find a separate drug plan on your own.
With BCBS, you also get access to their Blue365 fitness discount program, a 24/7 nurse hotline, plus optional hearing, dental, and vision policies that can be added to your Medicare Supplement plan.
For pricing, Plan G is around $141/month, and Plan N is about $115/month. These are standard rates, so keep in mind that household premium discounts aren’t included here.
Speaking of discounts, there’s a 10% spouse/partner discount if you live with a spouse or domestic partner and a 7% Blue discount for policyholders already enrolled in a BCBS Texas Supplement plan.
Pros and Cons of BCBS TX:
Pros:
- Strong Market Presence and Stability: With a 18.5% market share, BCBS TX is one of the most trusted Medigap providers in Texas.
- Comprehensive Plans: Offers Medigap Plans G, N, A, and F.
- Includes two Part D prescription drug plans, which many competitors don’t offer.
- Competitive Discounts: Get a 10% discount if you live with a spouse or domestic partner, a 7% Blue Discount if you switch from a BCBS TX group or individual plan within a year, and a 12% Blue Family Discount – one of the best in Texas.
- Extra Perks: Enjoy the Blue365 fitness discount program, 24/7 access to a nurse line for health concerns, and optional dental, vision, and hearing coverage.
- Reasonable Rate Increases: Rates typically go up 3%-5% annually, which is lower than many competitors. While 2024 saw bigger increases (7%-19%) due to post-pandemic claims, rates are expected to level out.
- No Network Restrictions: Visit any doctor or hospital that accepts Medicare – no referrals or prior authorizations needed.
Cons:
- Higher Premiums Compared to Competitors BCBS TX isn’t the cheapest option.
- Rate Stability Concerns Post-pandemic rate hikes (up to 19% in 2024) have raised concerns. Future increases may stabilize to 3%-5% annually but aren’t guaranteed.
- No Coverage for Part B Deductible, Drugs, or Routine Care Like all Medigap plans, BCBS TX doesn’t cover the Part B deductible ($257 in 2025).
- Less Competitive Without Discounts Those not eligible for discounts may pay higher premiums compared to competitors like Ace or Cigna.
Which Medigap Provider Should You Pick?
Right now, many of our clients are enrolling in ACE because they offer some of the lowest rates in Texas for both Plan G and Plan N. Others prefer the brand-name recognition and added perks that come with Blue Cross Blue Shield of Texas (BCBSTX).
Either way is a solid choice – both plans offer the full benefits and features of Medigap coverage, including no network restrictions, freedom to see any Medicare provider, and reliable coverage for out-of-pocket costs.
Choose ACE if you’re:
-
Focused on affordability and want some of the lowest monthly premiums available in Texas
-
Comfortable with a newer company that has quickly built a strong reputation
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Looking for a fast application process and household discounts
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Not concerned about extras like bundled dental, vision, or fitness perks
Choose Blue Cross Blue Shield of Texas if you’re:
-
Someone who values brand recognition and market longevity
-
Interested in added benefits like a fitness discount program, 24/7 nurse line, and optional dental/vision/hearing plans
-
Wanting built-in Part D drug plan options for added convenience
-
Eligible for multiple discount opportunities like spouse/partner savings or Blue family discounts
No matter which plan you go with, you’ll enjoy comprehensive Medigap coverage that helps protect you from unexpected healthcare costs.
How ACE and BCBS Compare 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 cheapest choice 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, including Blue Cross Blue Shield, 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 compared ACE’s rates with those of other top Medigap providers in Texas.
This chart will help you see how ACE compares to 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% | $136 | $92 | El Paso | A+ |
| Allstate | 0.02% | $138 | $91 | Comanche | A+ |
| Aflac | 0.24% | $156 | $111 | Panola | A+ |
| Cigna Health Group | 4.71% | $155 | $115 | Tarrant | A |
| Blue Cross Blue Shield of TX | 18.50% | $159 | $131 | Cottle | 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 |
When it comes to affordability, ACE clearly stands out as one of the lowest-cost Medicare Supplement providers in Texas for 2025. With Plan G starting at $136 and Plan N at just $92, ACE undercuts many of the bigger names in the market – including Mutual of Omaha, Blue Cross Blue Shield of Texas, and UnitedHealthcare.
While companies like BCBS TX and Cigna still offer competitive rates depending on your county and circumstances, ACE consistently ranks among the most budget-friendly options statewide. For those prioritizing monthly premium savings without sacrificing core Medigap benefits, ACE is tough to beat.
That said, price isn’t everything – some individuals may find better value in paying slightly more for the brand familiarity, added perks, or bundled coverage that other providers like BCBS TX offer.
It’s also important to remember that there are ten standardized Medigap plans available in Texas, which can make the decision feel overwhelming. Some counties may offer high-deductible versions of Plans F or G, giving additional cost-saving options to consider.
Regardless of the plan or provider you choose, most Medigap plans allow you to see any doctor who accepts Original Medicare, without being locked into a network – giving you flexibility and peace of mind.
Ultimately, the best plan combines affordability, stability, and personal fit – and comparing rates side by side is the smartest first step in finding yours.
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 both ACE and Blue Cross Blue Shield of TX. Our customers who select them often remain with them since their customer service is unparalleled.
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?
- Does BCBS TX cover dental?
- How much is an ER visit without health insurance?
- Who is the parent company of Ace?
- Does Texas have a Medigap birthday rule?
