Medicare Advantage vs. Medigap in Texas: Which Is Right for You?

Many new Medicare enrollees choose Medicare Advantage, while others choose Original Medicare with a Medicare Supplement (Medigap). Both can be excellent options for Texas and Kansas residents — the better fit depends on what matters most to you.

Quick comparison

• Monthly premium: some Advantage plans have a $0 premium, depending on county; Medigap premiums vary by ZIP code, age, carrier, and other rating factors, plus a separate Part D plan.
• Out-of-pocket max: Advantage 2026 federal max is $9,250 in-network ($13,900 combined); Medigap leaves only the Part B deductible ($257) in most years.
• Provider network: Advantage uses HMO or PPO networks; Medigap works with any U.S. doctor that accepts Medicare.
• Prescription drugs: usually built into Advantage; sold separately with Medigap.
• Extra benefits: Advantage often includes dental, vision, hearing, gym, OTC allowance; Medigap covers medical only.
• Travel: Medigap is best for snowbirds and frequent travelers; Advantage HMOs tie you to a local network.

When Medicare Advantage usually wins

Advantage is often the better fit if you live in Texas year-round, you're comfortable using a network, you want predictable copays and bundled extras, and you prefer a lower monthly premium. Plan availability and provider networks vary by county.

When Medigap usually wins

Medigap is the better fit if you travel often, split time between Texas and another state, see specialists outside major networks, want maximum predictability of out-of-pocket costs, or have chronic conditions where seeing any Medicare-accepting provider matters. Plan G plus a low-cost Part D plan is the most common combination.

Three questions that almost always settle it

• Which doctors and hospital systems do you want to keep using?
• Will you spend more than 6 months a year in Texas?
• How comfortable are you with paying a higher monthly premium in exchange for lower variable costs?