Medicare Supplement (Medigap) plans in Houston

A Medicare Supplement helps pay the costs Original Medicare leaves behind, like deductibles and coinsurance. I compare prices from several companies so you can see your options side by side.

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How a Supplement works

Original Medicare (Parts A and B) pays most of your hospital and doctor bills, but not all. You still owe deductibles, a 20% share of most Part B services, and hospital coinsurance — with no yearly limit. A Supplement picks up some or all of those costs.

You can see any doctor or hospital in the country that accepts Medicare. There are no networks.
Supplements don’t include drug coverage, so most people add a separate Part D drug plan.
A Supplement can’t be combined with a Medicare Advantage plan. You pick one path or the other.

Plan G and Plan N

Supplement plans are standardized by letter: a Plan G from one company has the same benefits as a Plan G from another. Only the price and the company’s service differ. Plans G and N are common choices for people who are new to Medicare.

What it covers	Plan G	Plan N
Part A hospital coinsurance and deductible	Yes	Yes
Part B 20% coinsurance	Yes	Yes, except up to $20 for some office visits and up to $50 for ER visits that don’t lead to admission
Part B deductible	No	No
Part B excess charges	Yes	No
Foreign travel emergencies (up to plan limits)	80%	80%
Monthly premium	Varies by company, age, zip code and tobacco use. Plan N usually costs less per month than Plan G.

Plans C and F aren’t available to people who became eligible for Medicare on or after January 1, 2020. A high-deductible version of Plan G is also available.

When to buy: your 6-month window

Your Medigap Open Enrollment Period starts the first month you’re 65 or older and have Part B, and lasts 6 months. During that window, a company can’t turn you down or charge you more because of your health.

Texas doesn’t have a “birthday rule” that lets people switch Supplements each year without health questions. After your 6-month window, buying or switching a Supplement usually means answering health questions, except in certain situations — for example, if you lose job-based coverage or your Medicare Advantage plan leaves your area. That makes choosing well the first time important.

What affects the price

Your age and zip code
Tobacco use
Which plan letter you choose
Household discounts, which many companies offer if you live with a spouse or partner
How each company prices its plans over time — some raise rates faster than others

Because the benefits are the same across companies, comparing prices and rate history is the main job. That’s what I do for you.

Supplement or Medicare Advantage?

Both are good fits for different people. A Supplement usually costs more each month but gives predictable costs and nationwide doctor choice. A Medicare Advantage plan often has a lower premium and extra benefits, but uses networks and copays. See the side-by-side comparison.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

One agent. Your doctors. Your medications.

We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 8 to 11 MAPD plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Alph Coleman is a licensed insurance agent in Texas (license #1319502) and a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each of the organizations he represents has a Medicare contract. Enrollment in any plan depends on contract renewal.

Not affiliated with or endorsed by any government agency. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. This is a solicitation for insurance.