Allstate offers the most competitive rates for Texas Medicare Supplement (Medigap) plans in 2024.
Their Plan G stands out with a low monthly rate of just $117 in El Paso County, while their Plan N rates are only $92 monthly in Travis County.
Our review of Allstate’s Medicare Supplement for 2024 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.
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.
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.
Plan N Helps Pay the Following: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.
The overall best Medigap provider in Texas is Allstate.
Allstate’s Medigap plans are frequently more cost-effective in Texas than other options. This is a significant factor contributing to their rising popularity in our review.
However, when selecting the best Medicare Supplement company for your needs, it’s essential to consider each plan letter individually; for instance, Plan N may be priced lower with one provider versus another.
In contrast, Plan G could be better valued with another carrier. In addition, each company carries different strengths and weaknesses depending on its distinct plan offerings.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Allstate | 0.02% | $119 | $93 | Comanche | A+ |
| ACE Insurance Company | 0.10% | $127 | $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 Health Care | 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.
To make an informed decision and get the best value, compare companies based on cost and policyholder satisfaction ratings until you find a suitable option that meets your needs.
Premiums for a Texas Medicare Supplement plan can cost as little as $45 or as much as $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 | $169 | Harris | 42% |
| Plan G | $117 | Travis | 45% |
| Plan N | $99 | Fort Bend | 8% |
| High Deductible G | $45 | Williamson | 1% |
| Plan A | $123 | Rockwall | 0.57% |
| Plan K | $80 | Galveston | 0.4% |
When comparing Plan G to Plan C, it’s essential to consider your specific coverage needs. For instance, opting for Plan C would be ideal if you require coverage for the Part B deductible.
On the other hand, if you want to ensure coverage for Part B excess charges, then Plan G would be the most suitable option to consider.
Generally, Medicare Advantage plans can have lower monthly premiums but may have higher out-of-pocket costs. Conversely, Medicare Supplement plans usually have higher monthly premiums but can potentially offer lower out-of-pocket expenses.
Therefore, the “cheaper” choice between the two is subjective and primarily depends on individual circumstances and health care needs. In the long run, a Medigap plan is often the wiser choice, given that it eliminates the copays and deductibles that come with a Medicare Advantage plan.
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
If you were eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. However, Plan G typically provides more coverage than other options if you become eligible after that date.
The cost of a Texas Medicare Supplement plan can vary from $45 to $200 per month, depending on your age, tobacco status, zip code, and insurance provider.
Allstate has the most competitive rates for Medicare Supplement (Medigap) plans in Texas.
Since 2003, Mark Prip has been leading Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.
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