Medicare Supplement

Medigap in Frisco: which plan letters Texans can still buy, and how they work with Original Medicare

If you live in Frisco and you're pairing Original Medicare with a Medigap policy, the first thing to know is that Medigap plans are federally standardized. That means a Plan G from one company covers the same core benefits as a Plan G from another. What changes from carrier to carrier is the price, the customer service and the underwriting rules — not the benefits inside the letter.

The Medigap picture for Frisco shoppers

Frisco is in Collin County, and Texans have a fairly wide menu to shop. The plan letters available to people newly eligible for Medicare today are A, B, D, G, high-deductible G, K, L, M and N. Plans C and F are closed to anyone who became eligible for Medicare on or after January 1, 2020, though people eligible before that date can still buy them.

How Medigap fits with Original Medicare and Part D

Medigap is a supplement, not a replacement. You keep Original Medicare as your primary coverage, and the Medigap policy picks up some of the out-of-pocket costs Medicare leaves behind — things like the Part A hospital deductible, coinsurance and, depending on the letter, the Part B deductible.

Two rules trip people up:

• Medigap does not cover prescription drugs. If you want drug coverage, you enroll in a stand-alone Part D plan.
• You cannot use Medigap with a Medicare Advantage plan. It's one or the other.

On the Part D side, 2026 brings a $2,100 annual out-of-pocket cap on covered drugs and a maximum deductible of $615. The old "donut hole" coverage gap was eliminated in 2025, so Part D now runs in three phases. Medicare also offers the Medicare Prescription Payment Plan, which lets you spread your drug costs across the calendar year in monthly installments.

The plan letters, in plain terms

Every letter is a fixed package of benefits set by federal law:

• Plan A covers the basics required in every Medigap plan.
• Plan B adds the Part A deductible.
• Plan D covers most gaps except the Part B deductible and Part B excess charges.
• Plan G is the most comprehensive plan available to newly eligible enrollees; it covers everything Plan F did except the Part B deductible.
• High-deductible G offers the same benefits as G, but you pay a yearly deductible before the plan starts paying.
• Plans K and L are cost-sharing plans with lower premiums and an annual out-of-pocket limit.
• Plan M splits the Part A deductible with you.
• Plan N covers most gaps but leaves small copays for some office and ER visits, plus Part B excess charges.
• Plans C and F (closed to new eligibles after Jan. 1, 2020) are still sold to those who qualify.

Because benefits are standardized, comparison shopping is really about price, the company's rate-increase history and how each insurer prices by age.

Texas rules that shape the choice

Texas follows the federal Medigap framework, and a few points matter for Frisco shoppers:

• Medigap Open Enrollment Period. This is your strongest window. It's a one-time, six-month period that starts the first month you're 65 or older and enrolled in Part B. During this window, insurers can't turn you down or charge more because of health history.
• Guaranteed issue rights. Federal law creates specific situations — like losing other coverage — where you can buy certain Medigap policies without medical underwriting. Outside those windows, Texas insurers generally can use underwriting.
• Under 65 with Medicare. Texas requires insurers to make at least one Medigap plan available to people under 65 who qualify for Medicare through disability, though pricing and availability vary.

For state-specific questions, the Texas Department of Insurance and the Texas Health Information, Counseling and Advocacy Program (the state's SHIP) can walk you through your rights in your exact situation.

How to compare Frisco offers without getting lost

A few habits make shopping easier:

1. Pick the letter first, the company second. Since a Plan G is a Plan G, decide what benefits you want before comparing prices. 2. Ask how the insurer prices the plan — community-rated, issue-age-rated or attained-age-rated. Each one behaves differently as you get older. 3. Ask about the household discount and any other underwriting discounts you may qualify for. 4. Check the company's rate-increase history. A low first-year price is only useful if it stays reasonable. 5. Line up Part D separately. Your drug list, not your Medigap letter, should drive your Part D choice.

The table on this page shows every Medigap insurer selling in Texas and the letters each one offers. You'll notice big national names like AARP - UnitedHealthcare Insurance Company, Aetna Health Insurance Company, Mutual of Omaha, Humana (Emphesys Insurance Company) and BlueCross BlueShield of Texas, along with regional carriers such as Texas Farm Bureau Health Plans. Which letters each one sells varies — for instance, Texas Farm Bureau Health Plans offers Plans A, D, G and N, while United American Insurance Company sells one of the broader menus in the state.