Best Medicare Supplement Plans in Texas 2025
Allstate 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 $126 in El Paso County, while their Plan N rates are only $92 monthly in Travis County.
Our review of Allstate’s Medicare Supplement for 2025 shows that they offer highly competitive prices compared to other companies. In many states, including Texas, their premiums are cheaper. Allstate’s Medigap plans are guaranteed renewable.
Moreover, Allstate provides up to a 25% discount for eligible household members, various 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: Allstate
65: $113
70: $126
75: $150
68: $135
70: $142
75: $200
Allstate’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: Allstate
65: $89
70: $95
75: $112
68: $113
70: $124
75: $150
Medigap Plan N with Allstate 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 $25 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 Allstate 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, Allstate emerged as the top choice due to its lower monthly rates compared to other well-known insurance companies in the state.
With competitive pricing, reliable coverage, and strong customer satisfaction, Allstate offers a solid option for seniors looking to maximize their Medicare benefits without overpaying for premiums.
While rates can vary based on factors like age, gender, and ZIP code, Allstate 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 Allstate’s rates alongside other top Medigap providers in Texas.
This chart will help you see how Allstate 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 |
| Allstate | 0.02% | $127 | $103 | Comanche | A+ |
| ACE Insurance Company | 0.10% | $128 | $92 | Houston | A+ |
| Aflac | 0.24% | $137 | $104 | 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% | $187 | $128 | 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 | $153.08 | Harris | 42% | ||
| Plan G | $127.50 | Travis | 45% | ||
| Plan N | $108.34 | Fort Bend | 8% | ||
| High Deductible G | $44.91 | Williamson | 1% | ||
| Plan A | $130.58 | Rockwall | 0.57% | ||
| Plan K | $79.89 | 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 | $150 – $200 | $1,800 – $2,400 |
| Plan N | $120 – $170 | $1,440 – $2,040 |
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, which can add up over time if you have frequent appointments.
- Urgent Care:
- Plan G fully covers urgent care visits.
- Plan N requires a $50 copay for each urgent care visit, which can be a significant cost for those who need urgent care services regularly.
- 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.
Here’s a summary of the key factors to consider when deciding between Plan G and Plan N:
- 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 don’t mind paying 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?
Will I Need a Stand-Alone Prescription Drug Plan with Medigap?
Why Is a Plan G Better Than a Medicare Advantage Plan?
What if I 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.
We strongly recommend High Deductible Plan G as the most balanced option due to its lower premiums and comprehensive coverage. While Medicare Advantage can be an affordable choice, we’ll go into more depth about its limitations and why a High Deductible Plan G might still be your best bet.
1. High Deductible Plan G (High-Deductible Medigap Plan G)
High Deductible 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.
- Comprehensive coverage after meeting the deductible, which 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, as you’re saving money upfront on premiums.
- Considerations:
- The high deductible (currently around $2,700 annually) means you’ll pay more out-of-pocket before your insurance kicks in. However, if you stay healthy and have minimal healthcare usage, your total costs may still be lower than other plans.
- It’s a good option if you are prepared for the possibility of paying the deductible amount if major healthcare needs arise.
- Cost Example:
- Monthly Premium: $50 – $80 (significantly lower than standard Plan G)
- Annual Deductible: $2,700 (before coverage begins)
2. Medicare Advantage Plan (Part C)
While Medicare Advantage plans (Part C) may seem like an attractive option due to their lower premiums, they come with several drawbacks that can make them less appealing, especially when 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, are not typically included in Original Medicare.
- Out-of-pocket maximums can limit how much you spend on healthcare costs in a given year, providing financial protection from catastrophic costs.
- Considerations (Why High Deductible Plan G is a better choice):
- Limited Network of Providers:
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.
For people who want the freedom to see any doctor who accepts Medicare, a Medigap plan is a better option.
- Referrals and Prior Authorizations:
Many Medicare Advantage plans require you to get a referral to see a specialist, which can create delays and added steps in 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 who need specialized care or have complex medical needs.
- Copays and Coinsurance:
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, especially if you require frequent medical care.
Additionally, some plans have high deductibles for hospital stays and other services, which can lead to significant financial burdens if you have a lot of healthcare needs in a given year.
- Plan Variability:
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. If you have ongoing health concerns, the unpredictability of out-of-pocket expenses in a Medicare Advantage plan can be a significant disadvantage.
- Quality of Care:
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. If your healthcare needs change, you may find that the plan does not cover certain services, leading to unexpected expenses.
- Cost Example:
- Monthly Premium: $0 – $100 (depending on the plan and location)
- Out-of-Pocket Costs: Varies greatly by plan, but can include copayments for office visits, hospital stays, and other services. Some plans have an out-of-pocket maximum, typically ranging from $3,000 to $8,000 per year.
- Why High Deductible Plan G is Better Than Medicare Advantage:
Medicare Advantage may look appealing due to its lower premiums and added benefits, but the limitations it imposes on your healthcare choices and the potential for higher out-of-pocket costs (due to copays, coinsurance, and out-of-network charges) make it a less reliable option for those who want consistent and comprehensive coverage.
High Deductible Plan G provides a predictable structure with broad coverage, ensuring you’re protected from catastrophic health costs, all without the limitations of provider networks and the hassle of referrals or prior authorizations.
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 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 income.
- Considerations:
- Eligibility: Medicaid eligibility is based on income and assets, which can vary from state to state. You’ll need to meet certain financial criteria, and this can be a barrier if your income is slightly above the Medicaid threshold.
- Provider Network Limitations: 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.
- State-Specific Variability: 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.
- Cost Example:
- Monthly Premium: $0
- Out-of-Pocket Costs: Very low or nonexistent for covered services.
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 ($2,700/year) | Lower premiums with comprehensive coverage | High upfront deductible before coverage starts |
| Medicare Advantage | 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 like an attractive option because of its low premiums, the 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.
Bottom Line
- After years of experience assisting individuals in attaining the coverage they need, we have come to love Allstate. Our customers who select them often remain with them since their customer service is unparalleled.
- Allstate 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?
