Medicare Supplement & Medigap Plans in Texas 

Plan G covers everything Plan F does except the annual Part B deductible. Plan N covers the same core benefits as Plan G but adds small copays at some office and emergency visits and does not cover Part B excess charges — in exchange for a lower premium. Plan F is closed to anyone who became eligible for Medicare on or after 1 January 2020, so for most people today the real choice is Plan G against Plan N.

Only if you were eligible for Medicare before 1 January 2020. Federal law closed Plan F to newly eligible beneficiaries because it covers the Part B deductible. If you already have Plan F you can keep it — though it is worth comparing, because the Plan F pool is now closed and that tends to push premiums up over time.

The benefits are identical — Medigap plans are standardised by letter, so every Plan G covers exactly the same services no matter who sells it. What differs is the premium, the rating method and the carrier’s history of rate increases. That is the entire reason to compare carriers rather than plan letters alone, and it is what we do across the twelve insurers we represent.

No. Medigap policies sold today do not include drug coverage, so you would enrol in a separate Part D prescription drug plan alongside it. This is the single most common gap we find when someone brings us an existing Medicare setup to review.

During your Medigap Open Enrollment Period — the six months beginning when you are 65 or older and enrolled in Part B. In that window you can buy any Medigap policy sold in Texas regardless of your health history. Outside it, carriers can generally apply medical underwriting and may decline you or charge more.