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How Much Does A Medicare Supplement Plan Cost In Texas?
How much does a Medicare supplement plan cost in Texas? Well, that depends upon a variety of factors. Generally, Medicare supplement plan monthly
premiums tend to run slightly higher in Texas than they do in other nearby states. But there are other factors that have a far greater impact on price.
Keep in mind that when searching for the ideal Medicare supplement plan, cost is a significant factor, is should not be the only factor you should consider.
The most important factor should always be the overall quality of the plan you choose. This includes the benefits of the plan itself, as well as the company
that is behind the plan. Once you are satisfied with the aforementioned qualities of the plan, only then should you consider price.
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courtesy of Parents.com
We will list the factors that impact the premium rates of Medicare supplement insurance. They are ordered from the most significant impact, to the least:courtesy of Parents.com
- Plan Type
- Age
- Company
- Tobacco Use
- Health Status
- Region
- Gender
Plan Type
The most significant factor is the plan type that you choose. For example, the monthly premium of a plan type "F" will likely be consistently higher than the monthly premium of a plan type "K" - no matter which insurance carrier you decide upon. This is because each Medicare supplement plan type designates a unique plan benefit structure. All supplement plans are designed to cover medical costs that are not covered by traditional Medicare. However, some plans pick up more medical costs than others. These benefit differences are reflected in monthly premium.
Age
With very few exceptions, the older you are, the higher your monthly premium.
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| St. Joseph Medical Center 1401 St Joseph Pkwy Houston, TX 77002 Telephone: (713) 757-1000 Plus Code: PJXM+4J Downtown, Houston, TX |
Company
In Texas, Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from. The fact that plan benefits may be exactly the same, does not mean the monthly premium will be. While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies. They get to set the pricing of the plans they offer.
Tobacco Use
Most insurance companies in Texas will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.
Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in Texas will charge you a higher rate if you have specific medical issues. Please contact us if you have questions concerning this.
Gender
Both Medicare supplement and Medicare advantage plan insurance companies tend to offer slightly lower premium rates for women.
Where you live in Texas
Your Medicare Supplement plan monthly premium will vary depending on where you live in Texas. Usually, monthly premiums in rural areas tend to be slightly lower than monthly premiums in large metropolitan regions.
Insurance companies offering Medicare Supplement and Medicare Advantage plans include:
- AARP
- Mutual of Omaha
- Sentinel
- Combined
- IAC
- Gerber
- Medico
- Blue Cross Blue Shield
- Humana
- Cigna
- Aetna
- United of Omaha
On Average For 2024
On average, in Texas, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, female applicant would be: $117.00 - $134.00.
On average, in Texas, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, male applicant would be: $126.00 - $157.00.
Good to know: Plans that pay higher portion of your medical costs, but have a higher premium, are good if: you have pre-existing conditions, take expensive meds on a regular basis, are planning to have child, are expecting to undergo surgery, or have a chronic condition. If you're in good health and only go to the doctor for routine checkups, consider a plan with a lower monthly premium and higher out-of-pocket costs.
To get an exact rate, click the "Get An Instant Quote Now" at the top of the page!
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