Plan N or Plan G — which saves more?

It depends on how often you see the doctor and the premium difference in your ZIP code. We compare both side by side for you.

What are excess charges?

Doctors who don't accept Medicare assignment can charge up to 15% above the Medicare-approved amount. Plan G covers that; Plan N doesn't.

Medicare Supplement Plan N in Texas

Statewide · Medicare Supplement (Medigap) guide

Plan N usually costs less per month than Plan G. In exchange, you pay the Part B deductible, small copays at some office and emergency room visits, and any Part B excess charges.

Book a Medicare appointment for Texas

2027 Annual Enrollment runs October 15 – December 7. A licensed Texas agent compares Medigap, Advantage and Part D plans for your doctors and prescriptions.

Book my planning call

Or call now — no wait 800-214-8976

Your Medicare options in Texas

Medicare Supplement (Medigap)

Plan G and Plan N cover most of what Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.

Medicare Advantage (Part C)

All-in-one plans, many with $0 premiums, drug coverage and extras like dental and vision. Networks vary by county.

Part D drug plans

Stand-alone drug coverage. Per CMS, the 2026 maximum deductible is $615 and the yearly out-of-pocket cap is $2,100 (indexed annually).

Key Medicare dates for Texas

Turning 65: 7-month Initial Enrollment Period around your birthday month — turning-65 guide.
Annual Enrollment: October 15 – December 7, coverage starts January 1.
Medicare Advantage Open Enrollment: January 1 – March 31, one plan switch.
See what's new: Advantage 2026 vs 2027 and Part D 2026 vs 2027.

Key points

Copays of up to $20 for some office visits and up to $50 for ER visits that don't result in admission.
Does not cover Part B excess charges — most Texas doctors accept Medicare assignment, but ask yours.
Same nationwide freedom as Plan G — no network.
Good fit for healthy people who see the doctor a few times a year and want a lower premium.

Find your Texas city

Schedule your Medicare review

Pick a time on our Medicare calendar or call 800-214-8976. Help by phone or Zoom — no cost to you.

Book my planning call

Or call now — no wait 800-214-8976

800-214-8976

Medicare in Texas: common questions

More Medicare guides

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We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (in Texas, HICAP) to get information on all of your options. Medicare Advantage and Part D plan availability, premiums and benefits vary by county and change each year.