Looking for Medicare Supplement (Medigap) insurance in Texas? If you want the freedom to see any doctor who accepts Medicare — anywhere in the country — without worrying about network restrictions, Medigap is the way to go.
I’m Michael Cubell, a licensed independent insurance agent serving Houston, Dallas, San Antonio, Austin, and Fort Worth, and all of Texas. I compare Medigap rates from every major carrier to find you the lowest price for the same coverage.
What Is Medicare Supplement (Medigap)?
Medigap is a supplemental insurance policy that works alongside Original Medicare (Parts A & B). It covers the out-of-pocket costs that Medicare doesn’t pay — deductibles, copays, and coinsurance — so you have little to no surprise medical bills.
Most Popular Plans in Texas
| Plan | Coverage | Typical Monthly Cost | Best For |
|---|---|---|---|
| Plan G | Covers everything except Part B deductible ($257/yr) | $120–$250/mo | Most comprehensive, most popular |
| Plan N | Like Plan G but with small copays ($20 office, $50 ER) | $90–$200/mo | Budget-friendly, fewer doctor visits |
| High-Deductible G | Same as Plan G after $2,870 deductible | $30–$70/mo | Healthy, want lowest premium |
Why Medigap vs. Medicare Advantage?
- ✅ See ANY doctor who accepts Medicare — no network restrictions
- ✅ No referrals needed for specialists
- ✅ Nationwide coverage — perfect for travelers and snowbirds
- ✅ Predictable costs — with Plan G, you pay only the Part B deductible per year
- ✅ Guaranteed renewable — the company can never drop you
When to Enroll in Medigap in Texas
The best time to buy Medigap is during your 6-month Open Enrollment Period — which starts the month you turn 65 AND are enrolled in Part B. During this window:
- No health questions — guaranteed acceptance
- Best rates — no medical underwriting markups
- Full choice of plans and carriers
After this window closes, you’ll need to pass medical underwriting — and pre-existing conditions could mean higher rates or denial.
Get Your Free Texas Medigap Rate Comparison
Same Plan G. Same coverage. Different carriers charge wildly different prices. I compare them all and find you the lowest rate. Call (919) 944-8443 or schedule a free consultation.