Medigap Plan G in Texas: Costs, Coverage & Why It's the Top-Selling Plan
How Medigap Plan G works in Texas, what it costs in San Antonio, what's covered vs. Plan N and Plan F, and how to choose a carrier. Free help from a licensed broker.
Medicare Supplement Plan G — usually just called Medigap Plan G — is the most popular Medicare Supplement plan for people newly eligible for Medicare. It pairs with Original Medicare (Part A and Part B) and pays nearly all of the out-of-pocket costs Medicare leaves behind. This guide explains what Plan G actually covers, what it tends to cost in Texas, and how to decide between Plan G, Plan N, and the closed-to-new-enrollees Plan F.
What Medigap Plan G covers
Plan G is standardized by federal law, which means a Plan G from one Texas insurer covers the exact same medical benefits as Plan G from any other insurer — only the price and customer service differ. Plan G pays:
- 100% of Part A hospital coinsurance and an extra 365 days after Medicare benefits end
- 100% of Part B coinsurance and copays
- 100% of the first 3 pints of blood
- 100% of Part A hospice and respite coinsurance
- 100% of skilled nursing facility coinsurance
- 100% of the Part A deductible
- 100% of Part B excess charges (important in Texas — see below)
- 80% of foreign travel emergency care up to plan limits
The only routine cost-sharing left to you is the Part B annual deductible — $257 in 2026. After that, Plan G picks up the rest.
How much does Plan G cost in San Antonio?
Plan G premiums in Bexar County vary by age, gender, tobacco use, and carrier. As of 2026, a healthy 65-year-old non-smoker in San Antonio can expect monthly premiums ranging roughly from the mid-$120s to the high $180s depending on the carrier. Premiums typically increase each year and are highest in older age bands. We shop every Texas-licensed Medigap carrier so you get the best rate for your specific situation — that comparison is free.
Plan G vs. Plan N vs. Plan F
Plan G vs. Plan N
Plan N has a lower premium (often $30–$60/month less than Plan G) in exchange for small copays — up to $20 for office visits and up to $50 for ER visits that don't result in inpatient admission — and no coverage for Part B excess charges. If you don't see specialists frequently and your providers accept Medicare assignment, Plan N can save thousands of dollars over time.
Plan G vs. Plan F
Plan F covered everything Plan G covers plus the Part B deductible, but Plan F closed to anyone newly eligible for Medicare after January 1, 2020. If you became eligible before that date, you can still buy Plan F — but in most Texas markets the premium difference no longer justifies the small extra benefit.
Why Part B excess charges matter in Texas
Texas does not prohibit Part B excess charges, which means a doctor who does not accept Medicare assignment can bill you up to 15% above the Medicare-approved amount. Plan G covers those charges; Plan N does not. If you see specialists who don't accept assignment, Plan G is the safer pick.
How to enroll in Medigap Plan G in Texas
Your best window is your 6-month Medigap Open Enrollment Period that starts the month your Part B becomes effective. During this window, no Texas carrier can deny you coverage or charge more because of pre-existing conditions. Outside that window, most Medigap applications require medical underwriting.
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