Medicare Ratings Guide

Author: Dr. Patricia Chen

  • SSDI and Medicare in Alabama: When Coverage Starts & What to Do During the Wait

    SSDI to Medicare in Alabama: Key Facts

    Medicare Wait Period 24 months from SSDI onset date
    Medicare Coverage Begins Month 25 of disability
    Medicaid Available During Wait? Yes — income limit $1,014/month
    Medicaid Expansion in Alabama No — limited eligibility
    Medicare Beneficiaries in Alabama 1,050,000

    When Does Medicare Start After SSDI Approval in Alabama?

    If you receive Social Security Disability Insurance (SSDI) in Alabama, you must wait 24 months from your disability onset date (not your approval date) before Medicare coverage begins. This means your Medicare coverage starts in month 25 of your disability, regardless of when you were actually approved for SSDI. The 24-month waiting period is one of the most significant coverage gaps in the American healthcare system.

    Bridging the Coverage Gap in Alabama

    During the 24-month Medicare waiting period, Alabama SSDI recipients have several options for health coverage:

    Option 1: Medicaid in Alabama

    Alabama has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 18% FPL ($4,918/year for a family of three) may qualify. SSDI recipients with monthly income below $1,014 may qualify for Medicaid for the Aged, Blind, and Disabled (ABD) program in Alabama. Since Alabama has not expanded Medicaid, eligibility is more limited for working-age adults without dependents.

    Option 2: COBRA Coverage

    If you had employer-sponsored health insurance before becoming disabled, you can continue that coverage through COBRA for up to 18 months (29 months if disabled). COBRA in Alabama can be expensive — you pay the full premium plus a 2% administrative fee — but it maintains your existing provider relationships during the Medicare waiting period.

    Option 3: ACA Marketplace Plans

    SSDI recipients in Alabama can purchase health insurance through the ACA Marketplace. SSDI income counts toward ACA subsidy calculations. If your income is between 100-400% FPL, you may qualify for premium tax credits that significantly reduce your monthly premium.

    Medicare Parts Available to SSDI Recipients in Alabama

    Once your 24-month waiting period ends, you automatically receive Medicare Part A (hospital insurance) and Part B (medical insurance). You will need to actively enroll in Part D (prescription drugs) and decide whether to add a Medigap supplement or switch to Medicare Advantage. In Alabama, there are 28 Medicare Advantage plans available with an average premium of $18.5/month.

    ESRD Exception: No Waiting Period

    If you have End-Stage Renal Disease (ESRD) requiring dialysis or a kidney transplant, you qualify for Medicare immediately — there is no 24-month waiting period. This exception applies to SSDI recipients in Alabama with ESRD regardless of age.

    ALS Exception: Medicare Starts Immediately

    If you have Amyotrophic Lateral Sclerosis (ALS), your Medicare coverage begins the same month your SSDI benefits begin — no waiting period. This is a critical exception for ALS patients in Alabama who need immediate access to Medicare-covered treatments.

  • Medigap Plans in District of Columbia 2026: Best Medicare Supplement Plans & Costs

    Medigap in District of Columbia: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $198/month Covered 100% covered
    Plan N $162/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $228/month Covered 100% covered
    Plan K $89/month 50% covered 50% covered
    Plan L $119/month 75% covered 75% covered

    Medicare Supplement Insurance in District of Columbia

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in District of Columbia. The most popular plan — Plan G — has an average monthly premium of $198 in District of Columbia, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in District of Columbia

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in District of Columbia $198 $162 $228* $89 $119

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in District of Columbia

    The best time to buy Medigap in District of Columbia is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in District of Columbia cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in District of Columbia

    Choosing between Medigap and Medicare Advantage in District of Columbia depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $22.4/month in District of Columbia) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in District of Columbia is rated 4.2 stars by CMS.

  • Medigap Plans in Wyoming 2026: Best Medicare Supplement Plans & Costs

    Medigap in Wyoming: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $118/month Covered 100% covered
    Plan N $97/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $136/month Covered 100% covered
    Plan K $53/month 50% covered 50% covered
    Plan L $71/month 75% covered 75% covered

    Medicare Supplement Insurance in Wyoming

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Wyoming. The most popular plan — Plan G — has an average monthly premium of $118 in Wyoming, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Wyoming

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Wyoming $118 $97 $136* $53 $71

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Wyoming

    The best time to buy Medigap in Wyoming is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Wyoming cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Wyoming

    Choosing between Medigap and Medicare Advantage in Wyoming depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $0/month in Wyoming) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Wyoming is rated 3.5 stars by CMS.

  • Medigap Plans in Wisconsin 2026: Best Medicare Supplement Plans & Costs

    Medigap in Wisconsin: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $136/month Covered 100% covered
    Plan N $112/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $156/month Covered 100% covered
    Plan K $61/month 50% covered 50% covered
    Plan L $82/month 75% covered 75% covered

    Medicare Supplement Insurance in Wisconsin

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Wisconsin. The most popular plan — Plan G — has an average monthly premium of $136 in Wisconsin, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Wisconsin

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Wisconsin $136 $112 $156* $61 $82

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Wisconsin

    The best time to buy Medigap in Wisconsin is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Wisconsin cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Wisconsin

    Choosing between Medigap and Medicare Advantage in Wisconsin depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $10.2/month in Wisconsin) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Wisconsin is rated 4.0 stars by CMS.

  • Medigap Plans in West Virginia 2026: Best Medicare Supplement Plans & Costs

    Medigap in West Virginia: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $112/month Covered 100% covered
    Plan N $92/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $129/month Covered 100% covered
    Plan K $50/month 50% covered 50% covered
    Plan L $67/month 75% covered 75% covered

    Medicare Supplement Insurance in West Virginia

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in West Virginia. The most popular plan — Plan G — has an average monthly premium of $112 in West Virginia, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in West Virginia

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in West Virginia $112 $92 $129* $50 $67

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in West Virginia

    The best time to buy Medigap in West Virginia is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in West Virginia cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in West Virginia

    Choosing between Medigap and Medicare Advantage in West Virginia depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $5.8/month in West Virginia) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in West Virginia is rated 3.6 stars by CMS.

  • Medigap Plans in Washington 2026: Best Medicare Supplement Plans & Costs

    Medigap in Washington: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $152/month Covered 100% covered
    Plan N $125/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $175/month Covered 100% covered
    Plan K $68/month 50% covered 50% covered
    Plan L $91/month 75% covered 75% covered

    Medicare Supplement Insurance in Washington

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Washington. The most popular plan — Plan G — has an average monthly premium of $152 in Washington, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Washington

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Washington $152 $125 $175* $68 $91

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Washington

    The best time to buy Medigap in Washington is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Washington cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Washington

    Choosing between Medigap and Medicare Advantage in Washington depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $11.6/month in Washington) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Washington is rated 4.1 stars by CMS.

  • Medigap Plans in Virginia 2026: Best Medicare Supplement Plans & Costs

    Medigap in Virginia: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $138/month Covered 100% covered
    Plan N $113/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $159/month Covered 100% covered
    Plan K $62/month 50% covered 50% covered
    Plan L $83/month 75% covered 75% covered

    Medicare Supplement Insurance in Virginia

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Virginia. The most popular plan — Plan G — has an average monthly premium of $138 in Virginia, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Virginia

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Virginia $138 $113 $159* $62 $83

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Virginia

    The best time to buy Medigap in Virginia is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Virginia cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Virginia

    Choosing between Medigap and Medicare Advantage in Virginia depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $10.8/month in Virginia) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Virginia is rated 4.0 stars by CMS.

  • Medigap Plans in Vermont 2026: Best Medicare Supplement Plans & Costs

    Medigap in Vermont: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $162/month Covered 100% covered
    Plan N $133/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $186/month Covered 100% covered
    Plan K $73/month 50% covered 50% covered
    Plan L $97/month 75% covered 75% covered

    Medicare Supplement Insurance in Vermont

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Vermont. The most popular plan — Plan G — has an average monthly premium of $162 in Vermont, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Vermont

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Vermont $162 $133 $186* $73 $97

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Vermont

    The best time to buy Medigap in Vermont is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Vermont cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Vermont

    Choosing between Medigap and Medicare Advantage in Vermont depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $0/month in Vermont) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Vermont is rated 4.0 stars by CMS.

  • Medigap Plans in Utah 2026: Best Medicare Supplement Plans & Costs

    Medigap in Utah: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $118/month Covered 100% covered
    Plan N $97/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $136/month Covered 100% covered
    Plan K $53/month 50% covered 50% covered
    Plan L $71/month 75% covered 75% covered

    Medicare Supplement Insurance in Utah

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Utah. The most popular plan — Plan G — has an average monthly premium of $118 in Utah, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Utah

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Utah $118 $97 $136* $53 $71

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Utah

    The best time to buy Medigap in Utah is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Utah cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Utah

    Choosing between Medigap and Medicare Advantage in Utah depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $6.2/month in Utah) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Utah is rated 3.9 stars by CMS.

  • Medigap Plans in Texas 2026: Best Medicare Supplement Plans & Costs

    Medigap in Texas: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $126/month Covered 100% covered
    Plan N $103/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $145/month Covered 100% covered
    Plan K $57/month 50% covered 50% covered
    Plan L $76/month 75% covered 75% covered

    Medicare Supplement Insurance in Texas

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Texas. The most popular plan — Plan G — has an average monthly premium of $126 in Texas, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Texas

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Texas $126 $103 $145* $57 $76

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Texas

    The best time to buy Medigap in Texas is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Texas cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Texas

    Choosing between Medigap and Medicare Advantage in Texas depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $7.6/month in Texas) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Texas is rated 3.8 stars by CMS.