Fort Worth Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Tarrant County
Medicare Supplement (Medigap) premiums in Fort Worth vary significantly from one insurance carrier to the next — even for the identical plan with identical benefits. Fort Worth residents in Tarrant County should be aware that a Plan G policy purchased from the highest-priced carrier in the area can cost nearly three times as much per month as the same plan from the lowest-priced carrier. Taking time to compare rates before you enroll can save you hundreds or even thousands of dollars each year.
Compare Rates with a Fort Worth Medicare Agent
Independent Medicare insurance agents in Fort Worth are licensed to represent multiple carriers operating in Tarrant County, which means they can shop the market on your behalf and present side-by-side rate comparisons at no cost to you. An independent agent is not tied to any single company and can help you find the plan that best fits your budget and health situation.
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Estimated Plan G Medigap Rates — Fort Worth, Texas (Zip 76101)
Estimated based on 2024 Plan F market data for the Fort Worth area (Zip 76112), adjusted to reflect typical Plan G pricing (Plan G premiums are generally 8–12% lower than Plan F for the same carrier and age). Male rates are independently estimated. Contact a licensed agent for current quotes specific to your age and zip code.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $119.86 | $348.86 | 191.1% |
| Male, Age 65 (non-smoker) | $134.24 | $390.71 | 191.1% |
3 Questions to Ask Before You Buy a Medigap Plan in Fort Worth
1. Does the agent represent multiple carriers, or just one?
In Texas, some agents are captive — meaning they can only sell policies from one insurance company. Others are independent brokers who are appointed with several carriers and can show you quotes from each. Always ask how many Medicare Supplement companies an agent is appointed to sell before you accept a quote. An agent who represents only one carrier cannot tell you whether a competing company offers a lower rate for the same plan.
2. What has the carrier's rate-increase history looked like over the past five years?
The lowest premium today does not guarantee the lowest premium tomorrow. Insurance carriers are permitted to raise Medigap rates over time, and some companies have a track record of larger annual increases than others. Ask your agent to share the carrier's recent rate-increase history before you commit to a plan. The Texas Department of Insurance (TDI) also maintains consumer resources at tdi.texas.gov where you can research carrier filings and file a complaint if needed.
3. Is this the right plan type for my situation — Plan G, Plan N, or something else?
Plan G is currently the most comprehensive Medigap option available to new Medicare enrollees in Texas (Plan F is only available to those who were eligible for Medicare before January 1, 2020). Plan N offers lower monthly premiums in exchange for small copays at doctor and emergency room visits. Your agent should walk you through the out-of-pocket trade-offs of each plan so you can decide which coverage level makes sense for your health usage and budget.