Medicare Supplement · Seabrook, Harris County, TX
Medigap Plans in Seabrook, TX — Plan G, Plan N, and Your 2026 Options
A Medicare Supplement (Medigap) plan works alongside Original Medicare to cover your share of costs — with no networks, no referrals, and no prior authorizations. See any Medicare-accepting provider anywhere in the U.S.
At a glance · Harris County
Medigap basics for Seabrook, TX
Source: Medicare.gov Medigap · CMS PY2026 Landscape.
Real CMS plan data · Harris County
Medicare Advantage & Part D Plans in Harris County
95 Medicare Advantage plans and 12 Part D plans available in Harris County, TX — if you'd rather compare against Medigap.
These are county-level counts and ranges, not a list of specific plans — a licensed agent can match you to the right one.
Source: CMS PBP/Landscape/Star Ratings data via PSG-Partner-Portal plan_cheatsheets (county-level aggregates) · County-level aggregate estimate from real CMS plan data. Plan availability, benefits, and costs change — verify with a licensed agent or Medicare.gov before enrolling.
The two most common Medigap plans in TX
Plan G vs. Plan N — what each covers
Both plans are federally standardized — Plan G coverage is identical across every insurer that sells it in TX. The only differences are the monthly premium and what you pay at the point of service.
For most Medicare beneficiaries in Seabrook, TX, Plan G is the most comprehensive option available if you became eligible for Medicare after January 1, 2020. Plan N is a strong alternative with lower premiums and small copays. We can compare both for your specific situation.
In TX, Medigap premiums are calculated using attained-age rating — meaning your premium increases as you age.
What it covers
- Part A hospital coinsurance (up to 365 extra days after Medicare)
- Part A deductible ($1,676 per benefit period in 2026)
- Part A hospice care coinsurance/copay
- Part B coinsurance or copay (20% after deductible)
- Part B excess charges (balance billing by non-participating providers)
- Blood — first 3 pints
- Skilled nursing facility coinsurance
- Foreign travel emergency (80%, up to plan limits)
What you still pay
- Annual Part B deductible (~$257 in 2026) — paid once per calendar year
What it covers
- Part A hospital coinsurance (up to 365 extra days after Medicare)
- Part A deductible ($1,676 per benefit period in 2026)
- Part A hospice care coinsurance/copay
- Part B coinsurance after deductible (with office visit copays)
- Blood — first 3 pints
- Skilled nursing facility coinsurance
- Foreign travel emergency (80%, up to plan limits)
What you still pay
- Annual Part B deductible (~$257 in 2026)
- Part B excess charges (balance billing)
- Up to $20 copay for some office visits
- Up to $50 ER copay — waived if you're admitted as inpatient
Plan F is no longer available to beneficiaries who became Medicare-eligible on or after January 1, 2020 — Plan G is the closest equivalent. Source: Medicare.gov Medigap.
Who sells Medigap in TX
Medigap carriers available to Harris County residents
Because Medigap coverage is federally standardized, the only meaningful differences between carriers are the monthly premium and their rate-increase history in TX. We compare every carrier's current rate for your zip code and age at no cost.
- Physicians Mutual Medigap
Plan G and Plan N available; competitive rates
- Wellabe Medigap
Plan G and Plan N; strong rate stability history
- Humana Medigap
Plan G and Plan N; multiple plan options
Provider access · Harris County
No networks — see any Medicare provider in Seabrook or anywhere in the U.S.
Unlike Medicare Advantage, Medigap plans impose no provider networks. Every Medicare-accepting provider is automatically available to you:
- Houston Methodist Hospital in Houston — automatically covered; no network verification required, no referral needed
- MD Anderson Cancer Center in Houston — automatically covered; no network verification required, no referral needed
- Memorial Hermann Texas Medical Center in Houston — automatically covered; no network verification required, no referral needed
- HCA Houston Healthcare Medical Center in Houston — automatically covered; no network verification required, no referral needed
- CHI St. Luke's Health Baylor St. Luke's in Houston — automatically covered; no network verification required, no referral needed
- Any specialist, surgeon, or primary care provider in Harris County or anywhere in the U.S. who accepts Original Medicare — no referrals required
- Any hospital nationwide — especially valuable if you travel seasonally, split time between TX and another state, or have family in a different region
Timing is everything with Medigap
Your one-time Medigap Open Enrollment Period
Your Medigap Open Enrollment Period is a 6-month window that begins the month you are both age 65 or older AND enrolled in Medicare Part B. During this window, carriers in TX cannot deny you coverage or charge you more due to pre-existing conditions.
- Guaranteed acceptance. No insurer in TX can deny you coverage or charge more based on pre-existing health conditions during your OEP.
- All standardized plans available. You can choose any Medigap plan sold in TX — Plan G, Plan N, or others — without answering a single health question.
- Age-based rates, not health-based rates. You receive the lowest available rate tier for your age group — health conditions do not affect your premium.
After your OEP closes, insurers in TX can use medical underwriting — charging more or declining coverage based on your health history. There is no annual "open season" for Medigap.
Not sure Medigap is the right path?
Also compare Medicare Advantage in Harris County
Harris County has 78 Medicare Advantage plans for 2026 at an average of $13/month, with 54 plans rated 4★ or higher by CMS. Medicare Advantage can offer lower monthly premiums and bundled drug coverage — but uses provider networks and prior authorizations that Medigap does not.
Seabrook, TX Medigap questions, answered
What Medigap plans are available in Seabrook, TX?
In Seabrook (Harris County), carriers including Physicians Mutual, Wellabe, and Humana offer standardized Medigap plans — primarily Plan G and Plan N. Because Medigap is federally standardized, Plan G coverage is identical no matter which insurer sells it in TX. The only differences between carriers are the monthly premium and rate-increase history.
When is my Medigap Open Enrollment Period if I live in Seabrook?
Your Medigap Open Enrollment Period is a 6-month window that begins the month you are both age 65 or older AND enrolled in Medicare Part B. During this window, carriers in TX cannot deny you coverage or charge you more due to pre-existing conditions. After it closes, insurers in TX can use medical underwriting — they can charge more or decline coverage based on your health history. There is no annual Medigap open enrollment period the way there is for Medicare Advantage.
Can I see any doctor or hospital in Harris County with a Medigap plan?
Yes. Medigap plans have no provider networks. You can see any doctor, specialist, or hospital in the U.S. that accepts Original Medicare — including Houston Methodist Hospital and MD Anderson Cancer Center and Memorial Hermann Texas Medical Center and HCA Houston Healthcare Medical Center and CHI St. Luke's Health Baylor St. Luke's in the Seabrook area — with no referrals required and no prior authorizations on covered services.
How does Medigap compare to Medicare Advantage for Harris County residents?
Harris County has 78 Medicare Advantage plans for 2026 with an average premium of $13/month. Medicare Advantage often starts at $0–$50/month but uses provider networks and prior authorizations. In Seabrook, TX, Plan G premiums typically range from $90–$250/month depending on your age, gender, tobacco status, and the carrier you choose, but Medigap lets you see any Medicare-accepting provider nationwide with predictable, near-zero cost-sharing after the Part B deductible. The right choice depends on your health, providers, travel patterns, and risk tolerance.
Does Plan G cover hospital stays at Houston Methodist Hospital?
Yes. Plan G covers Part A hospital coinsurance (up to 365 days after Medicare benefits are exhausted), the Part A deductible ($1,676 per benefit period in 2026), and Part B coinsurance (20% after the deductible). As long as Houston Methodist Hospital accepts Original Medicare — which virtually all hospitals in TX do — Plan G will cover your share of the bill with no network restrictions.
How are Medigap premiums calculated in TX?
In TX, Medigap premiums are calculated using attained-age rating — meaning your premium increases as you age.
Is help choosing a Medigap plan in Seabrook free?
Yes. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare Plan G and Plan N rates across multiple carriers for your specific age, zip code, and tobacco status, and we also compare the Medigap option against Medicare Advantage plans in Harris County. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.
Get a free Medigap comparison for Seabrook, TX
We compare Plan G and Plan N rates across multiple carriers for your age and zip — side by side with Medicare Advantage. At no cost to you. We do not offer every plan available in your area.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Medicare Supplement plan availability and premium ranges are illustrative and vary by insurer, age, gender, tobacco status, and zip code. Contact us for a personalized quote. NPN: 18530055. Agency NPN: 20387435.