Best Medicare Supplement Plans in Texas for 2025

If you’re shopping for Medicare Supplement insurance in Texas, 2025 is shaping up to be a competitive year – especially when it comes to Plan G.

With so many carriers offering standardized benefits, the key differences often come down to:

• Pricing
• Financial strength
• Extra perks

We’ve worked with dozens of companies across the state and selected the three best options based on affordability and overall value.

Note: Sample quotes are for a 65-year-old nonsmoking male in Dallas County, TX.

Let’s jump right in and review our top favorites.

#1. Humana Achieve: Most Well-Rounded Options With Built-in Perks

Humana Achieve offers the lowest Plan G premium ($132.51/month) among major carriers in Texas for 2025, but its value goes far beyond cost.

This plan includes a robust package of health and wellness extras that many competitors charge extra for (or don’t offer at all).

As part of one of the nation’s most established healthcare organizations, Humana Achieve combines affordability and a positive member experience.

Key Highlights:

• Discount programs for prescription drugs, vision (EyeMed), hearing (TruHearing and HearUSA), and dental services
• Humana First® 24/7 nurse advice line for health guidance at any hour
• Humana Well Dine® – meal delivery after hospital stays or outpatient surgery
• Online portal for members to access plan documents, claims, and support tools
• Covers all 50 states, Puerto Rico, and D.C. – ideal for travelers or snowbirds

Available Plans: A, B, D, G, High-Deductible G, N, K, L
Household Discount: 12%
Financial Strength: Strong; issued by Humana Insurance Company of Kentucky (a subsidiary of Humana)

Humana Achieve: Pros and Cons

Pros:	Cons:
Lowest Plan G premium among top Texas carriers	Underwritten by a separate Humana subsidiary, which may have different customer service than other Humana plans
Extensive non-insurance perks are included at no extra cost	The rate history for Achieve is still developing (launched in recent years)
Nationwide coverage with no provider restrictions	There are fewer options for those who need only basic coverage without wellness extras
Multiple premium discounts available (e.g., household, auto-pay)
Decades of Medicare experience and a strong service infrastructure

In a nutshell: Humana Achieve is best for Texans seeking a low-cost, high-value plan with nationwide access and multiple premium discounts.

#2. ACE Property and Casualty (Chubb): Best for Financial Strength and No-Frills Value

ACE, underwritten by Chubb Insurance, is the top pick for those who want solid coverage without unnecessary extras. Chubb is the world’s largest publicly traded property and casualty insurer, with an A++ AM Best rating, ensuring top-tier financial strength and claims-paying ability.

Plan G premiums are, on average, $136.75 per month.

While ACE doesn’t include SilverSneakers or bundled DVH benefits, it offers dependable Medigap coverage, competitive pricing, and a hassle-free enrollment process – all supported by a globally trusted brand.

Key Highlights:

• A++ (Superior) financial strength rating from AM Best
• Simple, easy-to-use plan options focused purely on medical benefits
• No provider networks or referrals required – see any Medicare doctor nationwide
• Minimal complaints or service delays
• 7% household discount available

Available Plans: A, G, High-Deductible G, N
Household Discount: 7%
Financial Strength: A++ via Chubb
Enrollment Type: Community or attained-age pricing (depending on ZIP code)

ACE: Pros and Cons

Pros:	Cons:
Unmatched financial security – backed by one of the largest global insurers	No fitness, dental, or vision perks – plan focuses solely on core Medigap benefits
Clean, no-frills coverage with consistent pricing	Limited branding or name recognition in the Medicare space compared to national competitors
Minimal administrative friction – few customer service complaints	Less historical rate data in Texas due to its newer entry into the market
Available in most Texas counties with highly competitive Plan N and HDG pricing

In a nutshell: ACE is best for seniors who want simple, stable coverage from a highly rated insurer and who aren’t interested in wellness perks or bundled extras.

#3. Blue Cross Blue Shield of Texas: Most Established Brand With Market Share and Network Strength

BCBS of Texas is a household name and the largest Medigap provider in the state, with over 50% market share. While its Plan G premiums are higher ($157.18/month), this plan delivers long-term rate stability and brand trust.

BCBS offers a wide range of standardized plans, including more niche options like Plan K, L, and Medicare Select.

Members also receive access to Blue365, a discount program offering savings on hearing aids, eyewear, fitness programs, nutrition resources, and wellness gear.

Key Highlights:

• Blue365 discount platform – member savings on wellness, vision, hearing, fitness, and more
• Multiple plan options, including Medicare Select in certain counties
• Exceptional provider access and acceptance throughout Texas
• Consistent service and stability, with a track record stretching back decades

Available Plans: A, G, High-Deductible G, N, F, High-Deductible F, K, L
Household Discount: Varies by ZIP (typically 5–7%)
Extras: Blue365 discounts; dental and vision plans available separately

Blue Cross Blue Shield of Texas: Pros and Cons

Pros:	Cons:
Most widely known Medigap brand in Texas	Highest premium among the top three carriers
Broadest plan selection, including options like Plan K and Medicare Select	No built-in fitness or DVH perks – all are optional add-ons
Access to top-tier hospitals and specialists	Medicare Select plans restrict hospital choice (important to distinguish from standard Medigap)
Strong rate stability history, especially on Plans G and N
Blue365 offers value for wellness-minded members, even if not as comprehensive as other programs

In a nutshell, BCBS is best for Texans who value brand recognition and long-term plan stability – ideal for those willing to pay a little more for peace of mind.

Which Medicare Supplement Provider Is Best in Texas for 2025?

Choosing the best Medicare Supplement provider in Texas ultimately comes down to your budget, preferences, and lifestyle.

The good news is that each of the top three carriers offers strong Plan G options – but they shine in different ways. Let’s highlight the strengths of each carrier.

Humana Achieve: Best Overall Value

If you’re looking for the lowest premium with the most extras, Humana Achieve is hard to beat. It combines affordable Plan G pricing with a robust bundle of wellness and lifestyle perks – including hearing and vision discounts and a 24/7 nurse line.

It’s especially appealing for retirees who want to stay active and keep costs down without sacrificing coverage.

• Best For: Active, health-conscious retirees seeking low premiums and added value
• Strengths: Extras, affordability, broad coverage area
• Watch For: Still developing long-term rate history under the Achieve label

ACE (Chubb): Best for Simplicity and Financial Strength

For those who don’t need bells and whistles, ACE offers a clean, no-frills Medigap plan at a competitive price – all backed by Chubb’s unmatched financial strength.

You won’t get fitness programs or dental discounts, but you’ll get dependable, unrestricted coverage from one of the world’s top-rated insurers.

• Best For: Budget-minded seniors who want solid, stable coverage
• Strengths: Simplicity, top-tier financial ratings, competitive pricing
• Watch For: No bundled perks; newer to the Texas market

Blue Cross Blue Shield of Texas: Best for Brand and Stability

While BCBS of Texas carries the highest premium of the three, it’s the most established and trusted Medigap brand in the state.

With a wide range of plan options and a history of rate stability, BCBS is ideal for those who prioritize long-term reliability and nationwide brand trust.

• Best For: Seniors who want name-brand trust, long-term rate stability, and comprehensive provider access
• Strengths: Market dominance and plan variety
• Watch For: Fewer built-in perks; Medicare Select plans may limit hospital choice

Which Company Offers the Best Dental, Vision, and Hearing Benefits?

When comparing Medicare Supplement plans, it’s easy to focus just on monthly premiums. However, dental, vision, and hearing (DVH) benefits can play a significant role in your overall healthcare costs – especially since Original Medicare doesn’t cover these services.

Here’s how the three top Medigap companies stack up when it comes to DVH offerings:

In summary, Humana Achieve offers the best value for those seeking dental, vision, and hearing discounts at no extra cost.

ACE is ideal for those who want a basic, low-cost plan without built-in extras.

Blue Cross Blue Shield of Texas provides flexible options through its discount program and standalone DVH plans, though these come with additional premiums.

The right choice depends on whether you prefer built-in benefits or a more à la carte approach.

How Much Do Medicare Supplement Plans Cost in Texas?

Medicare Supplement premiums can vary quite a bit depending on the plan you choose – and the company offering it.

Below is a breakdown of average monthly rates in Texas for Plan G, Plan N, and High-Deductible Plan G (HDG) from our top three carriers:

Company	Plan G	Plan N	High-Deductible G
Humana Achieve	$132.51	$100.95	$59.38
ACE Property and Casualty	$136.75	$98.92	$51.92
BCBS of Texas	$157.18	$127.89	$60.18

Premium Analysis:

• Humana Achieve comes in with the lowest Plan G rate. ACE is just 3.2% higher, while BCBS sits at 18.6% above Humana’s premium.
• ACE takes the lead with the lowest Plan N rate. Humana is 2.1% higher, and BCBS is 29.3% higher than ACE.
• ACE again offers the most affordable option for High-Deductible G (HDG), followed closely by Humana (14.4% higher). BCBS is 15.9% higher than ACE.

If you prioritize low monthly premiums, Humana Achieve is the best choice for Plan G, while ACE edges out the competition for both Plan N and HDG.

When averaging Plan N and HDG together, ACE offers the most affordable overall pricing.

How Do These Companies Compare to Aetna?

Aetna is a well-known name in the Medicare Supplement space, but when it comes to pricing in Texas, it falls short of the competition – especially for those shopping on value.

Here’s how Aetna stacks up against the top three carriers:

Company	Plan G	Plan N
Humana Achieve	$132.51	$100.95
ACE Property and Casualty	$136.75	$98.92
Blue Cross Blue Shield	$157.18	$127.89
Aetna	$220.25	$151.27

Premium Analysis:

• Aetna’s Plan G is 66% more expensive than Humana’s.
• Plan N is 34% higher than what’s offered by ACE and Humana.
• Aetna does not offer a High Deductible-Plan G, limiting flexibility for budget-conscious shoppers.

To sum it up, Aetna’s Medicare Supplement plans are quite a bit pricier than the competition. Plan G costs 66% more than Humana’s, while Plan N is around 34% costlier than similar options from ACE and Humana.

Plus, the absence of a High-Deductible Plan G makes it harder for budget-conscious shoppers to find an affordable, flexible option.

How Do These Companies Compare to Mutual of Omaha?

Mutual of Omaha has long been a trusted name in the Medigap world, but how does it compare to this year’s most competitive plans in Texas?

Let’s take a closer look:

Company	Plan G	Plan N	High Deductible G
Humana Achieve	$132.51	$100.95	$59.38
ACE Property and Casualty	$136.75	$98.92	$51.92
Blue Cross Blue Shield	$157.18	$127.89	$60.18
Mutual of Omaha	$158.70	$120.50	$48.37

Premium Analysis:

• Plan G: Humana and ACE are 16-20% more affordable than Mutual of Omaha.
• Plan N: ACE and Humana both beat Mutual by $20 or more per month.
• High-Deductible G: Mutual offers the lowest HDG premium at $48.37 – but the difference is just a few dollars compared to ACE and Humana.

In summary, while Mutual of Omaha offers the lowest premium for High-Deductible Plan G, the savings are minimal compared to ACE and Humana.

For standard Plan G and Plan N, ACE, and Humana provide better value, offering monthly premiums that are $20–$26 lower than Mutual’s, making them more cost-effective choices overall.

Medigap Companies to Avoid in Texas

Not all Medicare Supplement companies in Texas offer good value – and choosing the wrong one can mean paying hundreds more each year for identical coverage.

Remember, Medigap benefits are standardized by the federal government. No matter which company you buy a Plan G from, the benefits are the same.

Here are some companies we recommend avoiding based on excessively high premiums and limited added value:

Company	Plan G Premium	Notes
Bankers Life	30–40% higher	Known for high-pressure sales tactics and door-to-door marketing
GPM Health and Life	$296.44	115–125% more expensive than top carriers like Humana and ACE
Guaranteed Trust Life	$251.49	Offers no added value despite a much higher premium
Heartland National Life	$242.41	Small market footprint with limited plan features
United American	$189.00	Still 43% higher than Humana, despite being a larger carrier

In summary, some companies charge significantly more for the exact same coverage, offering little to no added value in return.

Carriers like Bankers Life, GPM Health and Life, Guaranteed Trust Life, Heartland National Life, and United American have notably higher premiums and limited features, making them less competitive in today’s market.

To avoid overpaying, stick with trusted providers offering strong value, transparent pricing, and proven customer satisfaction.

What Medicare Supplement Plan Has the Highest Level of Coverage in Texas?

When comparing Medicare Supplement plans, the right fit often comes down to how much coverage you want versus how much you’re willing to pay in monthly premiums.

In Texas, three plans dominate the market: Plan G, Plan N, and the legacy Plan F.

Let’s look at each one in a little more detail.

Plan G – Most Comprehensive for New Enrollees

Plan G has become the go-to choice for most new Medicare beneficiaries. It covers everything except the Medicare Part B deductible, which is $257 in 2025.

After you meet that small deductible, you’re fully covered for Medicare-approved services, including:

• Medicare Part A Coinsurance and Hospital Costs: up to an additional 365 days after Medicare benefits are used up.
• Medicare Part B Coinsurance or Copayment: Pays the 20% that Medicare doesn’t cover for outpatient services.
• Blood (First 3 Pints): Covers the cost of the first 3 pints of blood per year.
• Part A Hospice Care Coinsurance or Copayment: Covers your share of the cost for hospice care.
• Skilled Nursing Facility Care Coinsurance: Helps with costs for approved skilled nursing care.
• Medicare Part A Deductible: Covers the annual deductible for hospital stays.
• Foreign Travel Emergency Care: Covers 80% (after a deductible) for emergency care abroad, up to plan limits.
• Excess Charges (Part B): Covers extra charges from providers who don’t accept Medicare assignment.

Note: Approximately 32% of Medigap beneficiaries in Texas are enrolled in Plan G.

Plan G gives you almost full coverage and predictable costs, making it a top choice for anyone who wants peace of mind without the stress of surprise medical bills – except for the small Part B deductible.

Plan N – Lower Premiums with Some Copays

Plan N is a smart pick for those looking to save on premiums. While there are a few more out-of-pocket costs, Plan N covers almost all the same benefits as Plan G.

Here are some important things to note about Plan G vs. Plan N:

• Plan G pays everything except the Medicare Part B deductible.
• Plan N also doesn’t cover the Part B deductible and requires small copays – up to $20 for office visits and up to $50 for ER visits (if not admitted).
• Additionally, Plan N does not cover Part B excess charges, which are rare but possible if you see doctors who don’t accept Medicare assignment.

Note: Approximately 10% of enrollees in Texas select Plan N.

If you don’t mind small copays here and there and usually visit providers who take Medicare assignment, Plan N can be a great option that offers solid value with little trade-off.

Plan F – Legacy Full Coverage Option

Medigap Plan F was long considered the gold standard of Medicare Supplement plans because it covers every gap in Original Medicare, including:

• Foreign travel emergency coverage
• The Part A and Part B deductibles
• All coinsurance and copayments
• Skilled nursing care
• Excess charges

However, there’s a catch: Plan F is only available to those who were eligible for Medicare before January 1, 2020. If you became eligible after that date, you can’t enroll in Plan F – though you may keep it if you were already enrolled.

Note:  Approximately 41% of current enrollees continue to hold Plan F.

If you’re eligible and prefer the simplicity of not worrying about deductibles or copays, Plan F offers unmatched peace of mind. But for new enrollees, Plan G is the closest equivalent, offering nearly the same benefits minus the small Part B deductible.

Is Medigap Plan G in Texas Better Than a Medicare Advantage Plan?

If you’re exploring your Medicare options in Texas, it’s important to know the key differences between Medigap Plan G and Medicare Advantage (HMO) plans.

Both can help fill in the gaps left by Original Medicare, but they work in pretty different ways – and those differences can really affect your healthcare experience.

Here’s a side-by-side comparison:

Feature	Plan G	Medicare Advantage (HMO)
Network	Any provider who accepts Medicare	Local, restricted networks
Referrals	Not required	Often required
Prior Authorizations	No	Yes
Out-of-Pocket Costs	$257 (2025) deductible only	Up to $8,850/year
Plan Stability	Guaranteed renewable for life	Plan changes every year

Why We Recommend Plan G Over a Medicare Advantage Plan

On paper, Medicare Advantage plans may look appealing. Some offer $0 premiums and extra perks like gym memberships or dental coverage.

But what many people don’t realize is how much red tape comes with those plans – and how it can affect your life when you actually need care.

Let’s talk bout why we recommend Medigap Plan G over a Medicare Advantage plan for most Texans.

#1. No Network Headaches

With Plan G, you can see any doctor or specialist who accepts Medicare -in Texas or anywhere in the country. There are no networks to stay in, no need to switch providers if your plan changes, and no scrambling to find an in-network doctor when you’re traveling or facing a serious diagnosis.

Real-life scenario: If you’re diagnosed with cancer and want to see a top specialist in Houston or Mayo Clinic, Plan G lets you go. A Medicare Advantage plan may block access or require a referral and prior approval.

#2. No Surprises at the Doctor’s Office

With Plan G, once you meet the annual $257 Part B deductible, you’re covered 100% for all Medicare-approved services.

Medicare Advantage plans often come with copays for nearly every service – from lab work and imaging to hospital stays and chemotherapy. And those costs can add up fast.

Real-life scenario: A $0 premium Advantage plan can still cost you up to $8,850 per year in out-of-pocket expenses. With Plan G, your worst-case scenario is a predictable $257 deductible.

#3. No Prior Authorizations or Referrals

Medicare Advantage plans require approval before many procedures, tests, or specialist visits. These authorizations can delay care – or worse, result in a denial.

Real-life scenario: We’ve seen clients denied necessary rehab or delayed imaging, even after a hospital stay. With Plan G, you and your doctor make the decisions – not the insurance company.

#4. Your Plan Doesn’t Change Every Year

Medicare Advantage plans can (and do) change their benefits, copays, and doctor networks every year.

But if you have Medigap Plan G? It’s guaranteed renewable for life, and the benefits never change as long as you pay your premium.

Real-life scenario: We’ve helped countless people who were happy with their Advantage plan one year, only to lose their doctor or face higher costs the next. That doesn’t happen with Plan G.

Medigap Plan G Wins

While Medicare Advantage plans may seem attractive with low premiums and extra perks, they often come with hidden trade-offs – like provider restrictions, unpredictable costs, and red tape that can delay or deny care.

For most Texans, Medigap Plan G offers greater freedom, consistency, and peace of mind. You can see any doctor who accepts Medicare nationwide, avoid surprise medical bills, skip the hassle of prior authorizations, and count on stable benefits year after year.

What Is the Cheapest Medicare Supplement Plan in Texas?

If you’re looking to lower your monthly premium while keeping the same level of coverage, High-Deductible Plan G (HDG) is worth considering.

It offers the exact same benefits as standard Plan G, but only after you meet the annual deductible, which is $2,870 in 2025.

Let’s compare the numbers:

Company	Plan G Annual Premium	HDG Annual Premium	Annual Savings
ACE	$1,641.00	$623.04	$1,017.96
Humana Achieve	$1,590.12	$712.56	$877.56
BCBS of Texas	$1,886.16	$722.16	$1,164.00

High-Deductible Plan G can save you between $877 and $1,164 annually, depending on the carrier you choose.

If you’re healthy and don’t expect to use many medical services, this can be one of the most cost-effective ways to get full Medigap coverage – just with a larger upfront deductible.

After that deductible is met, your benefits are identical to standard Plan G.

Which Medicare Supplement Plan Should I Pick?

First off, congratulations for looking at Medicare Supplement insurance instead of Medicare Advantage!

That decision alone puts you ahead of the curve. Medigap plans offer long-term stability, freedom to choose your doctors, and predictable out-of-pocket costs – something Medicare Advantage plans often struggle to deliver.

But with several Medigap options available, how do you pick the right one?

Start with two simple questions:

1. What level of coverage do you want?
2. What can you comfortably afford each month?

If You Want the Highest Coverage with Minimal Out-of-Pocket Costs: Go with Plan G. It covers nearly everything except the Medicare Part B deductible ($257 in 2025). It’s the most popular plan in Texas for a reason: predictable, simple, and complete.

If You Want to Save on Premiums and Don’t Mind Small Copays: Consider Plan N. You’ll pay a bit less each month, and in exchange, you’ll have $20 copays for office visits, $50 for ER visits, and no coverage for Part B excess charges. It’s a solid middle-ground option.

If You’re Budget-Conscious but Still Want Full Coverage After a Deductible: High-Deductible Plan G (HDG) might be your best fit. It has the lowest premiums by far, and once you hit the $2,870 deductible, it pays just like regular Plan G.

Which Medicare Supplement Provider Should I Pick?

Here’s what to keep in mind: Medigap benefits are standardized, meaning a Plan G offers the same coverage regardless of the provider. So, focus on what truly matters:

• Monthly premiums
• The company’s reputation and reliability
• Extra perks like discounts on dental, vision, and hearing

Avoid getting caught up in overanalyzing. The 2024 Medicare Advantage Annual Election Period left millions dealing with network cuts, reduced benefits, and denied claims.

Medigap plans, on the other hand, remain consistent year after year. They don’t require pre-authorizations, won’t trap you in restrictive networks, and provide peace of mind without the hassle.

How Do I Enroll in a Medicare Supplement Plan in Texas?

Enrolling in a Medicare Supplement plan doesn’t have to be complicated. We make the process simple, fast, and stress-free, whether you’re new to Medicare or switching from another plan.

Here’s how it works:

#1. We Start With a Quick Fact-Finding Call

We’ll ask a few basic questions – your age, gender, Medicare start dates, ZIP code, and whether you use tobacco. This helps us determine which carriers are available in your area and whether medical underwriting applies.

#2. We Help You Pick the Right Plan

Once we know your eligibility and pricing options, we’ll walk you through the best plans based on your needs and budget. Whether it’s Plan G, N, or High-Deductible G, we’ll help you make a confident choice.

#3. We Handle the Application

The application process is completely over the phone. We need your basic demographic information, and we take care of the rest.

#4. Your Policy Gets Processed

Most applications are approved and processed in 7–10 business days. Once approved, you’ll receive your Medigap policy and ID cards in the mail shortly after.

Enrolling in a Medicare Supplement plan in Texas is easier than you might think. With a quick call, personalized guidance, and a simple over-the-phone application process, you can confidently choose the right plan.

Bottom Line

For Texans exploring Medicare Supplement plans in 2025, Plan G remains the clear front-runner. It offers near-complete coverage, the flexibility to see any Medicare-accepting doctor nationwide, and stable, predictable costs.

After an in-depth review of dozens of providers, Humana Achieve, ACE (Chubb), and Blue Cross Blue Shield of Texas emerged as the top choices.

• Humana Achieve stands out for the lowest Plan G premium and a generous bundle of wellness perks at no extra cost.
• ACE offers no-frills, competitively priced coverage backed by unmatched financial strength.
• BCBS of Texas brings long-term stability, brand trust, and broad provider access, though at a higher price point.

Compared to costly alternatives like Aetna and Mutual of Omaha – or the red tape and unpredictability of many Medicare Advantage plans – these top Medigap providers offer better value, fewer restrictions, and greater peace of mind.

Whether you prioritize low premiums, added benefits, or long-term consistency, one of these three carriers is likely to have the right fit for your Medicare needs in Texas.

If you need help comparing plans and providers – feel free to reach out. We’re here to help.

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Frequently Asked Questions (FAQs)

Q: What is the downside to Medicare Supplement plans?
A: Higher premiums and needing a separate drug plan. But in return, you get consistency, freedom, and nationwide coverage.

Q: Why are people leaving Medicare Advantage plans?
A: Prior authorizations, restricted networks, and annual changes. The 2024 AEP proved how unstable and frustrating Advantage plans can be.

Q: Do I really need supplemental insurance with Medicare?
A: Yes. Medicare alone leaves 20% of costs uncovered with no out-of-pocket cap. Medigap fills those gaps.

Q: Do most doctors accept Medicare Supplement plans?
A: Yes. Medigap works with any provider who accepts Medicare, which is over 90% of doctors nationwide.

Q: Will I have to re-enroll in my Medicare Supplement plan every year?
A: No. Medigap plans are guaranteed renewable for life – no annual shopping or plan changes.

Q: What is the disadvantage of Plan G?
A: It doesn’t cover the Part B deductible ($257 in 2025). Otherwise, it covers 100% of Medicare-approved costs.