Get Your 2026 Rate
All rates below are pulled directly from the BCBSTX 2026 Outline of Coverage. No estimates — these are the actual premiums BCBSTX will quote.
| Plan | What's Covered | Monthly Premium |
|---|
Rates are BCBSTX-published premiums effective July 1, 2026. Subject to underwriting and approval. Outside your 6-month Medigap Open Enrollment Period, rates may differ. Plans F and HD-F are only available if you became Medicare-eligible before January 1, 2020.
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2026 BCBSTX Medigap At a Glance
For 2026, the Medicare Part A deductible is $1,736 and the Part B deductible is $283. The high-deductible Plan F and Plan G annual deductible is $2,950 in 2026. BCBSTX offers six standardized Medigap plans in Texas: Plan A, Plan F, High Deductible Plan F, Plan G, High Deductible Plan G, and Plan N.
| Carrier | Blue Cross and Blue Shield of Texas (a Division of HCSC) |
| Plans Available | Plan A, Plan F*, High Deductible Plan F*, Plan G, High Deductible Plan G, Plan N |
| Network | None — see any U.S. doctor or hospital accepting Medicare |
| Rate areas in Texas | Area 1: ZIPs 754-759, 763-769, 778-792, 795-799, 885 (Austin, Waco, Lubbock, Amarillo, El Paso, central/east Texas) Area 2: ZIPs 750-753, 760-762, 774, 776-777, 793-794 (DFW metro, Houston metro) |
| Rating | Attained-age. Premiums change at age 65 and each year through age 100. Plan A: no gender/tobacco rating. All other plans: rated by gender × tobacco use. |
| Tobacco definition | Used tobacco 4+ times per week on average (cigarettes, cigars, smokeless, e-cigarettes, vaping) within the last 6 months |
| Customer Service | 877-384-9307 (BCBSTX) or (972) 666-0578 (Texas Health Agents broker line) |
| Mailing address | Blue Medicare Supplement, C/O Member Services, PO Box 3388, Scranton, PA 18505 |
Plan F and High Deductible Plan F are only available if you became Medicare-eligible before January 1, 2020. If you turned 65 or qualified for Medicare due to disability on or after that date, MACRA law blocks Plan F enrollment. Plan G is the closest equivalent for new enrollees — the only Plan F benefit you'd lose is coverage of the $283 Part B deductible.
BCBSTX Plan G
Plan G covers every Medicare gap except the annual Part B deductible ($283 in 2026). For new Medicare enrollees, Plan G is BCBSTX's most comprehensive Medigap option.
What Plan G covers (after the $283 Part B deductible)
- Part A hospital deductible ($1,736 in 2026) — paid 100%
- Part A coinsurance + 365 extra hospital days lifetime
- Part B coinsurance (the 20% Medicare doesn't pay) — paid 100%
- Part B excess charges — paid 100% (this is what Plan N doesn't cover)
- Skilled nursing facility coinsurance — paid 100%
- First 3 pints of blood — paid 100%
- Hospice care coinsurance — paid 100%
- Foreign travel emergency — 80% after $250 deductible, up to $50,000 lifetime
- One routine eye exam per calendar year (innovative benefit)
2026 sample rate: $191.59/moSample profile: Age 65, female, non-tobacco, Area 2 (DFW/Houston). Male non-tobacco at 65: $214.57. Use the quote tool above for your exact rate.
BCBSTX Plan N
Plan N has a lower monthly premium than Plan G but introduces small copays and does NOT cover Part B excess charges. Best fit for Texans who want lower premiums and don't mind cost-sharing when receiving care.
Plan N copays and excess charges
- $20 copay for office visits (up to the Part B coinsurance amount)
- $50 copay for ER visits that don't result in inpatient admission (waived if admitted)
- Part B excess charges NOT covered — you pay if your doctor doesn't accept Medicare assignment
- Part B deductible NOT covered (you pay $283 in 2026)
- All other Plan G benefits included (Part A deductible, Part B coinsurance, SNF, blood, hospice, foreign travel emergency)
2026 sample rate$153.39/moSample profile: Age 65, female, non-tobacco, Area 2. Male non-tobacco at 65: $171.79.
BCBSTX High Deductible Plan G
Same benefits as standard Plan G, but you pay an annual deductible of $2,950 in 2026 before Medigap pays. Once met, Plan G pays 100% of the gaps for the rest of the calendar year. The Part B deductible counts toward meeting the plan deductible.
When HD Plan G makes sense
- You're healthy and rarely use medical care
- You want catastrophic protection with the lowest possible premium
- You're comfortable paying up to $2,950 out-of-pocket in a heavy-use year
- Available to new enrollees — unlike HD Plan F, HD Plan G has no Medicare-eligibility cutoff
2026 sample rate$54.37/moSample profile: Age 65, female, non-tobacco, Area 2. Male non-tobacco at 65: $60.18.
BCBSTX Plan F — Grandfathered Only
Plan F is the most comprehensive Medigap plan — it covers every Medicare gap including the Part B deductible. Because of MACRA, Plan F is closed to anyone who became Medicare-eligible on or after January 1, 2020.
Plan F eligibility check
You can enroll in Plan F only if any of these apply:
- You turned 65 before January 1, 2020
- You qualified for Medicare due to disability before January 1, 2020
- You already have a Plan F policy and want to switch carriers
If none apply, Plan G is your closest equivalent.
2026 sample rate$237.30/moSample profile: Age 65 grandfathered, female, non-tobacco, Area 2. Male non-tobacco at 65: $262.78.
BCBSTX High Deductible Plan F
Same benefits as standard Plan F, but you pay the 2026 annual deductible of $2,950 before Medigap pays. Only available to those grandfathered (Medicare-eligible before 1/1/2020).
HD Plan F highlights
- $2,950 calendar-year deductible (Medicare Part A and Part B deductibles count toward it)
- Foreign travel emergency deductible is separate ($250)
- After deductible: Plan F pays 100% of all Medicare gaps including Part B excess charges
- Catastrophic-style protection at a fraction of standard Plan F premium
2026 sample rate$70.46/moSample profile: Age 65 grandfathered, female, non-tobacco, Area 2. Male non-tobacco at 65: $78.00.
BCBSTX Plan A
Plan A is the basic Medigap plan that every carrier must offer. It covers Medicare's core gaps but does NOT cover the Part A deductible, skilled nursing coinsurance, Part B excess charges, or foreign travel emergency.
What makes Plan A different at BCBSTX
- Community-rated: No gender or tobacco surcharge — everyone pays the same age-based rate
- 2026 Plan A premium ranges from $306–$311 at age 65 to $569–$573 at age 85+ (Area 2 vs Area 1)
- Covers Part A hospital coinsurance + 365 extra days, Part B coinsurance, first 3 pints of blood, Part A hospice coinsurance
- Does NOT cover: Part A deductible, SNF coinsurance, Part B deductible, Part B excess, foreign travel emergency
- Routine eye exam NOT included with Plan A
Because Plan A doesn't cover the Part A hospital deductible ($1,736 in 2026), one inpatient stay can exceed a year of premium savings vs Plan G or N. Most Texans choose Plan G, N, or HD Plan G instead.
Side-by-Side Plan Comparison
| Benefit | Plan A | Plan N | Plan G | HD Plan G | Plan F* | HD Plan F* |
|---|---|---|---|---|---|---|
| Your Out-of-Pocket Exposure | ||||||
| Calendar-year deductible | $0 | $0 | $0 | $2,950 | $0 | $2,950 |
| Part B deductible ($283 in 2026) | You pay | You pay | You pay | Counts toward ded. | Plan pays | Counts toward ded. |
| Office visit copay | $0 | $20 each visit | $0 | After ded., $0 | $0 | After ded., $0 |
| ER copay (no admission) | $0 | $50 per visit | $0 | After ded., $0 | $0 | After ded., $0 |
| Medicare Gaps Covered | ||||||
| Part A hospital deductible ($1,736) | Not covered | 100% | 100% | After ded. | 100% | After ded. |
| Part A coinsurance + 365 extra days | 100% | 100% | 100% | After ded. | 100% | After ded. |
| Part B coinsurance (20%) | 100% | 100% minus copays | 100% | After ded. | 100% | After ded. |
| Part B excess charges | Not covered | Not covered | 100% | After ded. | 100% | After ded. |
| Skilled nursing coinsurance | Not covered | 100% | 100% | After ded. | 100% | After ded. |
| First 3 pints of blood | 100% | 100% | 100% | After ded. | 100% | After ded. |
| Hospice coinsurance | 100% | 100% | 100% | After ded. | 100% | After ded. |
| Foreign travel emergency | Not covered | 80% to $50K | 80% to $50K | 80% to $50K | 80% to $50K | 80% to $50K |
| Innovative + Rating | ||||||
| Routine eye exam (1/yr) | No | Yes | Yes | Yes | Yes | Yes |
| Subject to tobacco surcharge? | No | Yes | Yes | Yes | Yes | Yes |
| Available to new enrollees (after 1/1/2020) | Yes | Yes | Yes | Yes | No | No |
* Plan F and High Deductible Plan F are only available to those Medicare-eligible before January 1, 2020.
Premium Discounts
BCBSTX offers three Medicare Supplement premium discounts. Only one discount per member is permitted — they don't stack.
Household Discount
You reside with a spouse, civil union/domestic partner, OR have resided with up to three adults age 60+ for the last 12 months. Applies to policies issued on or after January 1, 2020.
Continue with BlueSM
You enrolled in a BCBSTX Medigap policy with an effective date on or after May 1, 2022 AND you had Blue Cross commercial group or individual coverage within one year of the BCBSTX Medigap policy taking effect.
Blue Family DiscountSM
You qualify for BOTH the Household Discount AND Continue with Blue. Best of both — 12% off your monthly premium for as long as you're enrolled.
Once approved, your discount is applied to every monthly bill — not just the first year. You'll need to provide your previous BCBS commercial subscriber ID at application for the Continue with Blue and Blue Family discounts.
How to Enroll & When
Medigap Open Enrollment Period — your best window
The 6 months starting the month your Medicare Part B becomes effective (and you're 65+) is your Medigap Open Enrollment Period. During this window, BCBSTX:
- Cannot deny coverage based on health
- Cannot charge higher premiums for health conditions
- Must offer any Medigap plan they sell in Texas
Outside the Open Enrollment Period
After the 6-month window, BCBSTX can medically underwrite — and decline applications or charge higher rates. Health questions on the application include cancer history (excluding basal/squamous cell skin), organ transplant, stroke/TIA, Alzheimer's/dementia, Parkinson's, heart attack/bypass/angioplasty, CHF, kidney failure or dialysis, MS, ALS, oxygen-dependent lung disease, HIV/AIDS, and active or pending kidney dialysis/joint replacement/heart-artery-intestine surgery.
Guaranteed-Issue Rights (apply within 63 days)
Even outside OEP, you have guaranteed-issue rights if:
- Your employer group health plan ends
- Your Medicare Advantage plan exits your service area, terminates, or you move out of its service area
- You drop a Medicare Advantage plan within 12 months of first enrolling (trial right)
- Your existing Medigap carrier becomes insolvent
- You enroll in Medicare Part D and drop a Medigap with Rx coverage
- You lose Medicaid eligibility
What to expect at enrollment
- Choose your plan (G, N, HD-G, F if grandfathered, HD-F if grandfathered, or A)
- Apply online via BCBSTX or through a licensed Texas agent — effective dates must be the 1st through the 28th of the month
- BCBSTX issues a policy effective on your requested date
- Send no money with application — first premium is due after policy review
- You have 30 days to return the policy for a full refund (free-look period)
- Add a Part D plan separately for prescription drug coverage
Frequently Asked Questions
Why are there two BCBSTX rate areas in Texas?
BCBSTX uses two geographic rating areas. Area 1 (slightly higher rates) covers central, east, and west Texas including Austin, Waco, Lubbock, Amarillo, and El Paso (ZIPs starting 754-759, 763-769, 778-792, 795-799, 885). Area 2 (slightly lower rates) covers the DFW and Houston metros (ZIPs 750-753, 760-762, 774, 776-777, 793-794). The quote tool above auto-detects your area from your ZIP.
Does BCBSTX Medigap include Part D drug coverage?
No. Medigap plans never include Part D. You'll need a separate Part D Prescription Drug Plan — BCBSTX offers Part D plans, or you can use any other Texas Part D carrier.
How do BCBSTX premiums increase over time?
BCBSTX uses attained-age rating. Premiums change at age 65 and each year thereafter up to age 100, plus any across-the-board rate increases (subject to approval by the Texas Department of Insurance). BCBSTX cannot raise your premium because of poor health — only if they raise rates for all similar policies in Texas.
How is "tobacco user" defined?
BCBSTX defines a tobacco user as someone who has used tobacco products 4 or more times per week on average within the past 6 months. This includes cigarettes, cigars, smokeless tobacco, electronic cigarettes, dissolvable tobacco, and vaping. Religious/ceremonial use doesn't count. Plan A is NOT subject to tobacco rates.
Can I get Plan F if I'm Medicare-eligible after 1/1/2020?
No. The MACRA law of 2015 blocks Plan F (and HD Plan F) enrollment for anyone newly eligible for Medicare on or after January 1, 2020. Plan G is the closest equivalent — covers everything Plan F does except the $283 Part B deductible.
What happens if I cancel my BCBSTX Medigap policy?
You have a 30-day free-look period after receiving the policy — return it for a full refund. After that, BCBSTX will refund any premium paid for policy months after your termination date, including a prorated refund for partial months.
Are dental, vision, and hearing covered?
Medigap covers gaps in Original Medicare only — so no routine dental, no hearing aids, no glasses. BCBSTX Plan A through Plan N (except Plan A) does include one routine eye exam per year as an "innovative benefit" through a contracted network.
Can I be denied during my 6-month Open Enrollment?
No — during your 6-month Medigap Open Enrollment, BCBSTX must accept you regardless of health. They may impose a pre-existing condition waiting period of up to 6 months if you had less than 6 months of prior creditable coverage. Most Texans transitioning from employer or Marketplace coverage have credit and skip the waiting period entirely.