Medigap Plan G in Texas: Costs, Coverage & Why It's the Top-Selling Plan
How Medigap Plan G works in Texas, typical cost factors, what's covered compared with Plan N and Plan F, and how to choose a carrier.
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 Texas?
Plan G premiums in Texas vary by ZIP code, age, gender, tobacco use, household discounts, and carrier. Premiums typically increase over time and are often higher in older age bands. We compare Texas-licensed Medigap carriers so you can review rates 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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