Medicare Supplement Plans in Texas Can Result in You Never Paying for Medical Care

Now that you’re about to turn 65, you’re more than ready for Medicare to help pay for expensive medical care. In fact, as treatment prices continue to rise, you’re not sure how you can afford to go the doctor without the help of Medicare.

Here’s the thing- Medicare pays for a significant amount of your care, but it wasn’t designed to pay for everything. In fact, you’re left with quite a lot in out-of-pocket expenses. With doctors visit copays, coinsurance and deductibles, you could be spending thousands of dollars you don’t have. Take some to read about Medicare supplement plans in Texas and how they can result in you never paying for medical care.

Medicare has Limitations

Texas Medicare helps pay for the medical expenses of mostly everyone 65 or older in the state. Original Medicare (Part A and Part B) provide access to the doctor, hospital, even emergency room if you need treatment. But Medicare doesn’t pay for everything. You are not covered for vision care, dental, hearing or even prescription drugs. So if you need to have your eyes examined or replace your dentures, you will owe out-of-pocket.

In addition, while Medicare pays for your care, it doesn’t pick up the entire bill. You will most likely be responsible for up to 20 percent of the remainder balance of your medical treatment cost. In some cases, this amount can be quite a bit. Plus, you still have the deductibles and copays when receiving treatment.

Medicare Supplement Insurance Covers the “Gaps”

With a Texas Medicare supplement insurance plan, you are still getting the coverage you need, but depending on the plan, you don’t have to pay for deductibles, coinsurance or copays. That means with the right plan, you can visit your doctor without having to pay, receive treatment without having a deductible and never have to worry about  owing the additional 20 percent.

In addition, with the right plan, you will be covered for any additional or “extra” charges your doctor may decide to charge above and beyond what Medicare covers.  Yes, it’s true.  Even if Medicare covers a particular treatment, your doctor may decide to charge more than what Medicare has agreed to pay for the service. These “extra” charges are paid for with Medicare supplement insurance.

Choosing the Right Medicare Supplement Plan

Understand what you’re looking for before choosing a Medicare supplement plan. InTexas, there are ten different plans available, making it possible to find exactly what you need to save the most money. Plan F is the most popular as it pays for all of your out-of-pocket expenses completely giving you the most peace of mind when it comes to receiving medical treatment. You never owe a copay, never have to meet a deductible and there are never coinsurance amounts left for you to worry about.

Consider looking into Plan F coverage with Blue Cross Blue Shield of Texas or Mutual of Omaha and get the Medicare supplement insurance you need from a solid, dependable provider. Rest assured with the right plan and the right provider, you could end up never paying out-of-pocket for medical treatment again- and that’s a good thing.