Medicare Supplement (Medigap) Plans in Texas
Medigap policies work alongside Original Medicare to pay your deductibles, coinsurance, and copayments. Enjoy complete freedom to see any Medicare doctor nationwide without network limits or referrals.
Core Texas Medigap Options
In Texas, Medigap plans are standardized by letter. A Plan G from one insurer provides the exact same policy coverage as a Plan G from another insurer:
Plan G
The gold standard for new Medicare beneficiaries. Plan G pays 100% of covered Medicare Part A and Part B out-of-pocket costs once you satisfy the annual Part B deductible.
Plan N
Offers lower monthly premiums than Plan G in exchange for modest cost-sharing: you pay the Part B deductible, up to $20 copays for office visits, and up to $50 copays for emergency room visits (waived if admitted).
High-Deductible Plan G
Features very low monthly premiums. You pay all Medicare-covered out-of-pocket costs until reaching an annual high deductible, after which the plan pays 100% of covered expenses for the rest of the year.
Key Advantages of Medicare Supplement Coverage
Beneficiaries choose Medigap when they prioritize provider choice, financial predictability, and traveling flexibility over lower initial monthly premiums:
Nationwide Doctor & Hospital Choice
See any physician, specialist, or healthcare facility across Texas and the entire United States that participates in Medicare. No HMO provider networks, no primary care gatekeepers, and no referrals required.
Standardized Plan Benefits
Under federal and Texas law, every Plan G or Plan N has identical baseline benefits regardless of which insurance carrier issues the policy. The primary differences are monthly premium rates, carrier financial stability, and customer service.
Guaranteed Renewable for Life
As long as you pay your premiums on time, your Medigap insurer can never cancel your policy or drop coverage because of your health status or claim volume.
Foreign Travel Emergency Benefits
Standard plans (including Plans G and N) cover 80% of billed charges for medically necessary emergency care during the first 60 days of a trip outside the United States (subject to a deductible and lifetime limit).
Your One-Time 6-Month Medigap Open Enrollment Period
Your 6-month Medigap Open Enrollment window starts automatically the very first month your Medicare Part B becomes active and you are 65 or older. During this period, insurers cannot decline your application, impose exclusions for pre-existing conditions, or charge higher premiums based on health.
Once this window closes, Texas insurance companies have the legal right to apply full medical underwriting, meaning any past or current medical conditions could prevent you from buying a Medigap plan in the future.
Confirmed Texas Medicare Carriers Represented
Fortify360 is contracted and authorized to represent top-tier national and Texas regional Medicare carriers.
UnitedHealthcare
Aetna
Cigna Healthcare
Humana
Devoted Health
Prominence Health Plan
Wellcare by CenteneFrequently Asked Questions About Medigap
When is the best time to buy a Medigap policy in Texas?
During your 6-month Medigap Open Enrollment Period, which begins automatically the first month you are 65 or older and enrolled in Medicare Part B. During this critical window, carriers cannot deny you coverage or charge higher premiums due to pre-existing conditions.
Can I be denied a Medigap policy if I apply later?
Yes. In Texas, if you apply for Medigap outside of your 6-month Open Enrollment Period (or without qualifying for a federal or state Guaranteed Issue right), insurance companies can review your complete medical history and decline coverage or charge significantly higher rates.
Does a Medigap policy include prescription drug coverage?
No. Medigap policies sold after January 1, 2006, do not include prescription drug coverage. Beneficiaries who select Original Medicare plus a Medigap policy generally add a standalone Medicare Part D prescription drug plan.
What happened to Plan F?
Federal legislation phased out Plan F for individuals newly eligible for Medicare on or after January 1, 2020. If you were eligible for Medicare prior to 2020, you may still purchase or keep Plan F. For new enrollees, Plan G offers the closest equivalent coverage.