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AEP May be Over But Some Can Still Get Medicare Advantage Plans Year Around

Posted on by Charles Peeler

Angry old woman with a rolling pinYes, the normal yearly annual enrollment(AEP) period is over but some Medicare recipients are still in the drivers seat when it come to securing a Medicare Advantage Plan(MAPD). How so? Well its simple, there are several special enrollment periods(SEP) that are allocated to you to secure new coverage and believe it or not you rarely hear about them.

First off the normal time period for folks to blow out of an advantage plan is October 15th to December 7th every year. Beneficiaries that want a new MAPD plan or folks that want out and go back to original Medicare and secure a supplement do it at this time of year. Its a crazy and chaotic time period that has most agents and brokers working on little to no sleep but it has to be done. After this time most agents just roll up their tent and call it a day but in my view the work doesn’t stop there, there are many more chances for seniors and disabled on Medicare to hit the MAPD jackpot.

Lets look at a few and discuss but keep in mind this discussion is only related to those that are already on Medicare and does not apply to those turning 65 or new to Medicare.

Change in residency: Lets say you lived in Houston and moved to Dallas Texas, well chances are your advantage plan will terminate due to being outside the service area. In this case you are free to select another MAPD or even a Medicare Supplement plan without the need to qualify medically.

Non-renewals: I rarely get this request but it simply means the plan you are currently on has made the decision to stop offering that plan therefore creating a SEP to enroll in another Medicare private insurance plan. This period runs from December 8th until the end of February.

Dual-Eligible Individuals: Simply put if you are on both Medicare and receive any type of assistance from the Medicaid program you can change almost anytime to a new and different Medicare Advantage plan.

Loss of Dual-Eligible Status: Just to tie onto the one above, if you loose Medicaid eligibility you can then seek and secure a new advantage plan.

Trial Right:You are allowed to leave a MAPD within the first 12 months(trial right) and go back to a Medicare Supplement plan anytime within that 12 month trial period.

SPAP, State Pharmaceutical Assistance Program: If you are enrolled in a state pharmaceutical assistance program you can also exercise a SEP almost at anytime. It also works in the reverse if you loose your SPAP eligibility you are provided one Special Election Period.

LIS, Low Income Subsidy beneficiaries: If someone is receiving a low income subsidy they also have a SEP and can select a new or different advantage plan outside the annual enrollment period.

SNP Special Needs Plans: Ok, my favorite. These Medicare Advantage Plans are designed for those folks with special needs like diabetes, chronic heart failure and cardiovascular disease. These Medicare Advantage Special Needs Plans offer a different benefit configuration more focused toward the particular health condition. Also, the health plan must be designated as Special Needs Plan, just any old advantage plan wont work.

As you can see from above there are several different situations that seniors or those with disabilities and on Medicare can make plan changes or secure an advantage plan outside the normal annual enrollment period. If you find yourself in one of these situations and need our assistance we do work year-round, unlike some of the normal advantage agents who just show up during the AEP period.

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Disabled on Medicare Have Fewer Options

Posted on by Charles Peeler

When you hear the term Medicare most Americans think of seniors, older folks or anyone over 65 but did you know that a large percentage of people on the government Medicare rolls are made up of those Americans that are under the age of 65? These younger folks are on the government insurance rolls due to an illness or accident and have been declared disabled by social security.

Well if you are one of these underage recipients of the Medicare what are you to do for extra coverage? You could go without any form of additional coverage although that’s probably not very wise, you could select a traditional Medigap supplement plan but Texas law only requires Plan A to be offered and lastly you could select a Medicare Advantage plan.

Medigap Supplements
Since we have discussed doing nothing was not such a wise decision lets discuss the two options that provide some additional coverage and benefits. First the Medigap policy, also referred to as a Medicare Supplement Plan are offered in 10 different “flavors” or plan types labeled Plan A thru N. Well, Texas law only requires Plan A to be offered to those on early age Medicare disability and this plan is what we consider the bottom of the supplement food chain, this plan does not provide benefits for either Part A or B deductibles and the monthly premium runs around $250 a month or more and will be subject to steady rate increases. Selecting this option will also mean you will need to secure a Part D prescription drug plan with more additional cost.

On the positive side it does give you the freedom to go to any doctor of hospital that takes Medicare but that freedom will cost you an arm and a leg. Most people on disability and early age social security just don’t have that kind of cash lying around to pay this heavy insurance nut. But hope is out there in another option.

Medicare Advantage Plans
Medicare Advantage plans
are also an option for these early age disability beneficiaries. With most plans offering low to zero plan premiums in addition to your Part B medical insurance premium. This number is obviously more affordable than the typical supplemental plan and some of these advantage plans also provide Part D prescription drug coverage, kind of an all in one plan with little or no monthly plan premium.

The advantage plans have copays for most medical treatment instead of deductible and you may find you pick up other added benefits like vision, dental and hearing benefits. Some MAPD plans offer free membership in your local gyms and fitness centers thru the SilverSneaker program. All in all you get both Medicare A and B coverage and other value added benefits. All advantage plans have a set maximum out of pocket the member would incur so there will be limits on how much you will spend on copays and such yearly.

Now the drawbacks on these plans, some imaginary due to politics and some legitimate are simple in our mind, its called networks. Medicare advantage HMO plans do require you to receive regular treatment from inside the provider network and most require the selection of a primary doctor that gives referrals to specialist. Emergency care is a different story regarding where you can seek treatment but normal routine care must be delivered from network providers. You can also entertain going the PPO route which have far less restrictions related to who you can and can’t see for medical treatment but you may find your out of pocket maximums increase over their HMO counterparts.

Overall we feel the Medicare Advantage route may be your best option if you are what we call early age Medicare due to a disability. For more information on these plans just call and ask for additional information on Medicare Advantage plans today.

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2013 Medicare Changes Come as a Shock to Many Seniors

Posted on by Charles Peeler

Well, well… Election time is over and conveniently the federal government released the Medicare plan changes for the 2013 year. I think some were good and others not so much. We will take a look at the new changes below.

Part B Premium Increased
Let’s start with the most asked about first: the Part B premium. As a refresher the Part B premium is the amount for your medical insurance portion of Medicare mostly for outpatient things like doctor visits, lab work and testing. The premium increased to $104.90 a month up from $99.90 last year. Now you rich folks will always pay more for your part B and this year some of the upper income earners got creamed fairly hard but for most seniors your premium went up 5 dollars a month, not all that bad but any increase is still hard to work around on a fixed income.

Part B Deductible
The Part B deductible, or the amount a Medicare recipient pays for outpatient services also increased this year but the amount was nothing to be alarmed about. It went up $7 a year to $147. This increase was well below what some were expecting and still very manageable considering just a few years ago it stood at $162 a year. Also, if a senior is on a Medicare Advantage plan or Plan F if they have a Texas Medigap policy they never see the Part B deductible anyway so overall this is no big deal.

Skilled Nursing Care
The copay for skilled nursing care increased by $3.50 a day for more than 20 days in these types of facilities, again nothing that earth shattering. Also, most Medigap plans will handle this increase and you will never see it.

Hospital Inpatient Stays
The hospital inpatient copay also increased for days 61 thru 90 by 7 dollars, up to $296 for the upcoming year. Days 91 and beyond was jacked up by 14 bucks to $592 a day but again if you have a Medicare Supplement plan you should be insulated from this increase.

Part A Deductible
Another important one is the Part A deductible. This benefit increased from $1156 per benefit period to $1184 per period. This one is important because if you didn’t know it the deductible is per benefit period… not calendar year like most of us are used to so in theory a senior could get spanked with more than one deductible a year. Again, Medigap plans F and G will keep you from ever seeing the Part A deductible, Medicare Advantage plans also do the same for their members.

Overall I think it’s about what we expected and now we can move on to 2013 knowing exactly where we stand as it relates to Medicare beneficiaries potential out of pockets and premiums for the upcoming year. If these changes are just to much to handle for the next year and you feel a Medigap plan will keep you away from these increasing cost give us a call to review your current insurance situation. Protecting your nest egg is our only goal.

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Medicare Advantage PPO Plans in Texas

Posted on by Charles Peeler

Medicare Advantage PPO plans work very much in the same fashion as HMO in that there is a network of providers and doctors and a maximum yearly out of pocket. There are a few differences in PPO plans in that generally the out of pocket is higher as well as co pays are slightly elevated over their HMO counterparts. Also, PPO offerings may have a deductible involved but the advantage is the addition of more doctors and hospitals in the plans network.

These plans may or may not have a plan premium whereas several more of the HMO types hove none other than your normal Part B premium to Medicare. Also there will be both an in network out of pocket and an out of network out of pocket if you choose a provider not in network. The out of network providers must agree to accept the terms and conditions of the plan in order to get covered treatment; generally look for providers that accept Medicare on assignment.

MAPD PPO plans also include your drug prescription coverage better known as Part D coverage, easing the hassle of searching not only for an advantage plans but also a Part D plan.

PPO plans work great in some counties where the HMO network of providers may be “thin” in the sense the network is not strong on doctors and hospitals. They also fit nicely for the Medicare beneficiary that just doesn’t like the structure and potential restrictions of an HMO.

Value added benefits like the Silversneaker gym program, dental, vision and hearing coverage are generally included in these plans just like the HMO offerings so you do pick up lots of nice extras over and above you normal medical care. Also,PPP plans are offered by private insurance companies that have contracts with Medicare and you will still have Parts A & B coverage however you will receive your care through the private insurance company.

Since most PPO Advantage plans have little to no plan premium other than your normal Part B premium they make an excellent choice over traditional Medigap or supplement plans that have not only a monthly premium but you will also have your Part D drug premium.

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Medicare Advantage HMO Plans in Texas

Posted on by Charles Peeler

Medicare Advantage Plans come in several types, HMO, PPO and PFFS plans are some of the more common availiable but far and away the most common plan here in Texas is the HMO variety. Our state is blessed with several very large population centers likeDallas, Ft.Worth and Houston that these plans can build large doctor and hospital networks therefore providing members and potential members huge provider choices. Some of the best facilities in the nation like Baylor Hospital and Medical City in the DFW metroplex and now in HMO Advantage Plan networks making life easier for those on Medicare.

So, what is an HMO Medicare Advantage plan? Simple, they are plans provided by private insurance companies with a contract from Medicare to provide your health care benefits. The plans must provide at least the same benefits as Part A and B of Medicare and generally offer additional benefits like gym memberships and discounts, dental, vision and hearing benefits not normally offered by traditional Medicare.

Benefits of Lower Plan Premiums VS. Supplements

These plans all have pre set maximum out of pockets and most require co pays for things like doctor visits and hospital stays. Theses co pays make things easier on seniors as small co pays generally add up to a far lower amount as compared to the monthly premiums you would pay for a Medicare Supplement policy. Some Medicare Advantage HMO plans have a zero plan premium; however you will continue to be responsible for your normal Part B premium.

Some HMO Advantage plans also include your Part D Prescription Drug coverage so you can also benefit from not having an additional Part D Plan premium. It is also a good idea to check and see if your drugs fall within the plans formulary listing to enjoy maximum benefit. Once again, no Part D premium equates into potentially lower monthly premium cost.

Draw Backs of Doctor Networks

Now, with the good you have to take into account the bad. Medicare Advantage HMO plans require you to only use doctors and providers in the plan network unless its and emergency and sometimes those networks can get rather restrictive so check to be sure you can live with who is and is not in network. If you are someone that demands to preserve your choice of medical providers this plan probably won’t work for you, stick with a Medigap supplement plan. Another drawback is these plans are specific to certain counties and geographic locations. For example, one plan may operate in the four county DFW metroplex but that same plan wont be available in then very next county unlike supplements that are available everywhere.

Overall we feel that the MAPD concept is solid, provides Medicare users a great potentially lower cost option and provider networks have remained relatively strong for 2013, if you will do a little research on drug formulary list and provider networks you might find this is the plan for you. A fixed income is just that and we want you to keep as much of it as you can, for more information on these or any other Medicare Advantage plans just contact our office today.

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Medicare Advantage Plans Can Lower Overall Expenses

Posted on by Charles Peeler

Medicare Advantage Plans, also known as Part C coverage, are private insurance plans that are regulated by CMS(Centers for Medicare and Medicaid Services). These plans are approved to take the place of Medicare Part A and B and some plans even include the Part D prescription drug coverage.

There are several types of Medicare Advantage plans but the two most common MAPD plans are HMO and PPO plans. Differences between the two are haw the doctor networks apply. HMO Medicare Advantage plans have a more restrictive provider network but for the most part have lower out of pocket cost and most times lower plan premiums. PPO Medicare Advantage Plans generally have a larger provider network with fewer restrictions and you can receive care out of network in a non emergency provider visit. The PPO plans tend to have higher monthly plan premiums than their HMO counterparts.

Lots of Value Added Extras

Texas Medicare Advantage plans offer many additional benefits that are not included in original Medicare at little or no additional cost or premium. How can they do this? Simple, the federal government compensates the plans for providing the coverage on a per member basis and that equates to them paying a large majority of the premium for the member. This also allows several added benefits that you don’t get with original Medicare like:

These plans can offer more than what your traditional Medicare coverage does. Now keep in mind the above benefits may not be available for all plans and it will depend on what county you live in if a MAPD plan operates there.

Here are some additional important factors to consider before selecting a MAPD. First, again it should be stated that most Medicare Advantage plans have a network of doctors and hospitals and unless you are selecting a PPO plan must use the providers in the network except in cases of emergency treatment. Next, most HMO Advantage plans require your main (primary) doctor to refer you to any other doctor in the network. Again, most require this referral practice but there are a few “Open Access” plans that are still HMO’s however don’t require the selection of a primary care doctor or referrals to seek medical care.

Another point is your doctor may be in the provider network today but 6 months late leave the group forcing you to select other providers in the network. We suggest you always ask your doctor or hospital if they are in network.

Next, once you have selected your plan you’re on it for the entire year or until the next annual enrollment period so make the correct selection so you will be happy. There are some cases where you can exit the plan midyear but for the most part you’re on it for the year.

Due to the above statement we suggest you follow this advice, speak with an insurance broker that specializes in the Medicare insurance market. Reviewing your options and making informed decisions will go a long way in making your healthcare treatment painless and worry free.

For additional information on MAPD plans contact us today!

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Do all Texas Medicare Supplement Plans Have Rate Increases?

Posted on by Charles Peeler

The sort answer to the question ‘Do all Texas Medicare Supplement Plans have rate increases?’ is yes.  Medicare Supplement plans are insurance policies that provide for the gaps in coverage that occur in Medicare Part A and Part B.  However, Medicare Supplement plans, also called Medigap policies, are not a product provided by the government.  Private insurance companies become approved to offer Medicare Supplement Plans.  The content of the plan offered has to fall under one of ten categories that Medicare mandates.  These plan types are labeled with letters, namely A, B, C, D, F, G, K, L, M, and N.  For that reason, all Medigap Plan A policies, no matter what insurance company offers it, have the same benefits (hospital coinsurance, 365 extra days of hospital coverage, blood, and hospice coinsurance). 

 

The Texas Department of Insurance regulates the offering of Medicare Supplement Plans in the state of Texas.  However, the insurance company offering the Medigap product can set the premiums to whatever they wish.  In addition, the quality and reliability of insurance company varies.  Also, the level of customer service and ease of getting claims paid will be different according to what company is offering the Medigap plan.  But back to the question of increasing rates.

Medicare Supplement Plans are all guaranteed renewable by directive from Medicare.  However, the insurance company offering the plan is allowed to change the rates (and by change, I mean increase) generally once a year.  They can change the rates for several reasons, including patient class change or increase in age.  As an agent who seeks the best for his client, I will shop around each year, to make sure you have the best price for your chosen plan.  This can help offset the rate hikes imposed by insurance companies dealing in Texas Medicare Supplement insurance policies. 

I am fully versed in the laws governing switching Medicare Supplement insurance.  Changes must be made within the proper enrollment periods or according to guaranteed issue right guidelines.  Also, you can switch from one company to another at any time, providing you qualify medically but as a rule Medigap plans have very liberal underwriting guidelines. As your agent, I can help guide you through the process and red tape involved with Medicare transactions.  My goal is to make is as easy and painless as possible for you to get the medical care you need at a price you can afford. 

Do all Texas Medicare Supplement Plans have rate increases?  Yes, but that does not mean that you are trapped in a rapidly increasing premium situation.  However, there are issues to think about when you change your Medicare Supplement Insurance policy.  Changing Medigap insurance policies needs to be done with consideration for the coverage, premium price, dependability of the company, and customer service levels.  I take all of these areas into account when researching your options as a Medicare recipient.  I can also help you understand alternatives to Medicare Supplement Insurance, such as Medicare Advantage Plans and more. 

When you want direct, honest guidance through Medicare Supplement Insurance, I can give you the pros and cons about signing up for policies or changing in understandable terms.  Cutting out the confusion over Medicare policies allows you to make educated decisions that will help give you peace of mind, knowing the gaps in your traditional Medicare coverage are being provided for.  You don’t have to let rate increases keep stressing your finances and keeping you from enjoying the benefits of Medicare health coverage.

Do all Texas Medicare Supplement Plans have rate increases?  Yes.  Do you have to pay higher prices every year?  No.  As an industry veteran possessing almost 20 years in the industry, I search high and low for the policies that will provide my clients with the coverage they need at the lowest prices.  We focus on helping Texans on Medicare save money and receive the medical coverage they need.   

For more information on changing your Texas Medigap Plan or to obtain an instant quote visit www.MedicareInsuranceTexas.com right now!

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Blue Cross Blue Shield of Texas Medicare Supplement Plan- Ranked Number 1

Posted on by Charles Peeler

I have consumers ask me on a daily basis who has the best Texas Medicare Supplement Plan or Medigap (same thing) is the best. Sometimes it’s hard to answer due to so many moving parts like where they live, their age and which plan out of the 10 available they are looking at. But one thing is for certain, Blue Cross Blue Shield of Texas Medicare Supplement Insurance is my personal favorite. Period.

Why IS BCBS of TX the Best?

Why? Well it’s simple I personally feel BCBS of TX offers consumers and me as a broker superior customer service and attention to detail. Clients are getting issued in more than a timely fashion and any needed additional paperwork is always expedited. I also notice how they are issuing seniors in a guaranteed issue or initial turning 65 status within a few hours in most cases. Speed and efficiency are critical for seniors with mandated time frames; there is just no margin for error with this group.

Another factor in me selecting them the best is they have an excellent application process that assist in executing these applications in a timely manner. First, their online process is top notch allowing even the most computer challenged senior to finalize the process, never once being forced into the old style “wet signature” and sending back in the mail. Of course they also offer the more traditional application packet that must be physically filled out and submitted but even that process is better than most companies.

Rate Increases Low at Blue Cross Blue Shield.

Medicare Supplement Insurance in Texas, like all other traditional forms of coverage does have rate increases and I dislike them as much as you do. BCBS seems to have some of the most stable rates in the industry, where some carriers have pounded the rates some 10 and 12% these guys have not exhibited that type of behavior. They actually experienced a rate decrease this last October which was a pleasant surprise to most seniors. Of course there is no way of knowing what may or may not happen from one year to the next so yes, they could raise rates soon, but so far so good.

Another note about them is if you are a tobacco user they don’t charge an additional assessment for being in the so called “tobacco user” status. This causes their rates to be some of the most competitive among that group. Good news again.

All Plans have Cons.

Yes, all plans have something I would change and Blue Cross Blue Shield of Texas Medicare Supplement has one as well. Their rates at the time of this writing seem just a “tick” higher than some of the lowest priced plans but it should be noted that other companies marketing Medigap plans do experience rate increases that after a year of two may put the Blues at the lower price point.

 

If you feel that the current plan you have may be charging above market price of if you are just now turning 65 and in the need for a Texas Medicare Supplement Plan give them a look. You can obtain instant quotes from our website.

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2013 Annual Enrollment for Medicare

Posted on by Charles Peeler

Just wanted to provide an update for the 2013 annual enrollment for Medicare. Just like last year, October 15th to December 7th 2012 is the magical dates to change your Part D prescription drug plans and change your Part C Medicare Advantage plans.

Like always these dates do not affect folks on Texas Medicare Supplement plans however if you are on an Advantage Plan you can look into Medigap options. In some cases you may qualify withut any medical underwriting otherwise you will need to pass a simple medical underwriting process. Speak to an experienced agent for more details.

If any additional changes or updates to the 2013 annual enrollment process occur I will let you know.

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The Toughest Texas Medigap Policy to Purchase is the First One- Relax

Posted on by Charles Peeler

Now that you’ve decided you’d like to purchase Texas Medigap policy, you’re a little apprehensive because you’ve never done it before. True, there are a lot of rules and restrictions as it relates to eligibility, enrollment etc. And with so many plans to choose from, how can you be sure you’ve picked the right one? The good news is, after you buy your first policy, you won’t be a first time buyer anymore. But for now, follow a few tips to make your experience easier, more convenient and hassle free.

Learn the Rules

Before doing anything with your wallet, take the time to learn the rules. That means sit down and read. Read about Open Enrollment, Annual enrollment and Special Enrollment periods. Learn how they are different from one another and how choosing the right time to buy a policy really can save you time and money. For most folks, the best time to buy Medigap insurance is usually during your open enrollment period. The one time, 7 month period of time during which every insurance provider must sell you a policy regardless of your health. If you miss this period, you may be denied a policy or forced to wait an extended amount of time for coverage to begin. Do yourself a favor and learn the rules.

Choose a Plan Carefully

Part of finding the right Medigap policy is choosing the right plan. In Texas there are ten available plans to choose form, each with different combinations of benefits. Read each plans specific benefits and make a list to help you decide what type of coverage you must have and what type of coverage you can live without. In many cases, plans are almost exactly alike with the exception of one difference. Learn to decide which of these benefits you really don’t need and save yourself time and energy trying to pick and choose the right coverage.

Be Realistic With Your Budget

Before committing to a certain plan, make sure it truly fits with your budget. Be realistic because if you miss your payment, you could lose coverage completely. You want to make sure you can afford the premium and are capable of paying any other costs associated with your coverage. Pay attention to plans that eliminate out-of-pocket expenses and decide if you would rather share the costs of healthcare for reduced monthly premiums or pay less out-of-pocket when you visit your doctor and more monthly.

Compare Providers For More Than Just Cost

Chances are good you already have an insurance provider in mind, but if not, take the time to consider more than just the cost of Medigap insurance. Remember, medical policies are standardized, meaning every provider is required to sell the same policy with the same benefits. This does not guarantee that all companies are as dependable or as reliable in delivering benefits. Stay with household names you know and trust like Mutual of Omaha or Blue Cross Blue Shield of Texas for security and the peace of mind that comes from knowing your dealing with leaders in health insurance.

Looking to purchase Medigap insurance for the first time? Make your experience easier, more convenient and hassle free by following a few simple tips. Prepare ahead of time by understanding enrollment rules, choose a plan that makes the most sense for your specific needs, consider your budget and choose a solid, dependable provider.

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Can I Buy Texas Medigap Insurance at Any Time?

Posted on by Charles Peeler

Medicare supplement insurance, also called Medigap, fills in the gaps where original Medicare comes up short. In many cases, out-of-pocket expenses, like deductibles, copay and coinsurance add up to thousands of dollars or more. You’re sure you want to buy Medigap insurance, but with special enrollment periods and other specific restrictions, you’re not sure when you can buy Texas Medigap insurance. Take a minute to familiarize yourself with a few details and be more prepared when you’re ready to purchase.

Buying Medigap Insurance

It’s great you’ve decided to buy supplemental insurance, it’s likely to save you a lot of money in the end. Before you buy, take a few minutes to understand a few different strategies that will make your experience easier and more convenient. First, you are required to be enrolled in both Part A and Part B of Medicare to be eligible to buy Medigap insurance.

You can buy a Medigap policy from any private insurance company that has a license in the state of Texas. However, do yourself a favor and stay with household names you know and trust for getting dependable coverage. While they all must sell the same policies they are not all the same when it comes to dependability or reliability.  Mutual of Omaha, Blue Cross Blue Shield of Texas, these are the major carriers and the providers you know will deliver your benefits when you need them most.

The best time to buy Medigap insurance is during your Medicare Open Enrollment period. By law, insurance companies must sell you a policy during this period. And while you can buy at other times, this is the only time you cannot be denied coverage.

Open Enrollment Explained

Open Enrollment is the one time, six month period of time when you can buy a Medigap policy without being denied. It lasts for six months and begins on the first day of the month in which you turn 65 and are enrolled in Part B. Remember, you have to be enrolled in Part B of Medicare to purchase Medigap insurance.

While every insurance provider is required to sell you a Medigap policy during Open Enrollment, if you have a pre-existing condition, there may be a waiting period before coverage begins. You only have one Open Enrollment period, but you can use it as many times as you like during this 6 month period. In other words, if you buy a policy and then wish to cancel, you are entitled to purchase another one. You are also entitled to receive an Open Enrollment period even if you wait several years after turning 65 to enroll in Medicare Part B.

What About the Guaranteed Issue Right?

Another time you can buy Medigap insurance is if you have a “guaranteed issue right”. What does this mean and does it apply to you? Generally, if you lose certain types of health care coverage, you are given 63 days after your coverage ends to purchase Medigap insurance. This is called a guaranteed issue right. However, be prepared to provide proof that shows you lost your health care coverage. And for people over 65, the guaranteed issue right only applies to plans A, B, C, F, K and L, meaning you will only have the right at this time to buy one of these six plans.

You can buy Texas Medigap insurance during your Open Enrollment period or if you lose coverage and have a Guaranteed issue right. If you enroll in Part B and decide not to buy a Medigap policy, you only have a six month period of time where insurance companies must sell you a policy. After that, you can still buy, but you are on your own.

 

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Is Plan G the Right Texas Medicare Supplement for You?

Posted on by Charles Peeler

Now that you’re 65, you have Medicare and that’s a relief. But what about the out-of-pocket expenses like deductibles, coinsurance and copays? Medicare wasn’t designed to pay for all of your medical costs, and you’re prepared to increase your coverage. You’ve made up your mind- you’re definitely interested in purchasing a Texas Medicare supplement plan, but with so many different options, you’re not sure which one is right for you.

In Texas, there are ten different plans to choose from, each with different combinations of benefits. How much coverage do you need and what benefits can you live without? Taking the time to familiarize yourself with some details will help you make an informed decision when you are ready to purchase. Is plan G the right Texas Medicare supplement for you?

Plan G Coverage

For many Texans, Plan G is the right choice simply because the benefits are comprehensive. In fact, it’s the most comprehensive coverage next to Plan F. And the only difference between Plan F and Plan G is a small Part B deductible. With Part G, in addition to your Part A deductible and coinsurance, you get 365 extra days of coverage after your Medicare runs out, your Part B coinsurance and the first three pints of blood. Plus, Plan G and Plan F are the only two Medicare supplement plans that cover excess charges above and beyond what Medicare will pay.

That’s significant savings to help you keep your out-of-pocket expenses low. In addition, a skilled nursing copayment is covered as well as hospice care and there’s even coverage if you need to receive treatment when visiting a foreign country. While your Part B deductible is not covered with Medicare supplement Plan G, all preventive care is covered 100 percent.

Save Money with Medicare Select 

Plan G is also available in a money saving Medicare Select option. Basically, if you’re looking to save on premiums, you can receive the same benefits as the standard Plan G but for a reduced premium.  By agreeing to use Medicare Select hospitals and doctors, your monthly payment is reduced. Need emergency care? No problem, with Medicare Select, you can get treatment at any hospital for no extra charge. Plus, you can still choose your own doctor. Remember, to be eligible for Medicare Select Plan G, you must live within 30 miles of a Medicare Select participating hospital.

Choose Your provider Carefully

Medicare Select plans are standardized, meaning regardless of who sells you a plan, the benefits are the same. This means the real differences between providers is cost and reliability. Choose your provider carefully and stay with names you know and trust for getting the reliable coverage you need to be protected. There’s a reason why Mutual of Omaha and Blue Cross Blue Shield of Texas are as popular as they are- they’re leaders in Medicare supplement insurance and will continue to be for as long as folks in Texas need coverage.

Take the time to review your options carefully. And remember, Medicare supplement insurance is here to help you with costly medical care. Consider Plan G for comprehensive coverage and buy for a reliable provider you can trust to get the peace of mind you deserve.

For more information or to explore if Plan G is the right Texas Medicare Supplement plan for you visit our senior friendly website today.

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Are There Claim Forms to Fill Out With Texas Medicare Supplement Insurance?

Posted on by Charles Peeler

If you are currently enrolled in a Texas Medicare Supplement Insurance plan or are considering purchasing one, you may have some questions about the claims process. It’s probably a good idea to learn a little about how the process works, and what you’re responsibilities are in the event you need medical care. Remember, even Medicare makes mistakes and you need to know what’s going on in the event something happens. Take some time to review the information below and you’ll be prepared and informed when and if you face the claims process.

The Claims Process

Medicare and Medicare supplement policies and procedures can be a bit challenging. With so much information to digest, it’s hard to keep up. Nevertheless, when you visit the doctor for treatment, you need to know how the claims process works so you’ll know what to do weeks later if a bill arrives in your mailbox.

Generally, when you have a Medigap policy, the doctors and hospitals where you receive medical treatment are responsible for submitting Medicare claims to your insurance company.  After Medicare pays, your insurance company pays the Medicare supplement portion. It’s called the Medicare “Crossover System” and it ensures claims are paid promptly and efficiently.

Usually, it’s a very simple procedure. The first time you visit your doctor, you show your Medicare supplement card. The information is stored electronically and any time in the future you need treatment, your information is on file and claims are submitted automatically. 

In Texas, it’s required for insurance companies to pay claims promptly. In the off chance your insurance company refuses to pay for Medicare approved services, you or your doctor have the right to file a complaint with the Texas Department of Insurance (TDI).

Extra Charges are Your Responsibility

You’d like to think all your medical services are covered, but unfortunately, even with Medicare supplement insurance, that is simply not the case. Most Medicare supplement policies pay only for services Medicare decides are “medically necessary”. If you are unsure what these exact services are, you can look in your Medicare Summary Notice. If you do receive a bill for services, you will need to review your notice statement to find out if you owe anything extra. All medical providers and doctors that accept Medicare should know beforehand if a procedure is approved by Medicare and the rule of thumb is if it’s an approved charge the supplement is required by law to start paying its share. Fairly simple and less worrisome., easy actually.

Choose Your Provider Wisely

The good news is, regardless of who you buy your Medigap policy from, the claims process works the same and you will not be involved in the procedure at all. In fact, most filing is done electronically, making it even easier for everyone involved. While the claims process is the same, individual companies are not. Make certain to choose reputable, dependable and trustworthy companies for providing your Medigap insurance. Stay with the household names you recognize and avoid unknown, unreliable starter companies. With the major carriers like United of Omaha or Blue Cross Blue Shield of Texas you get peace of mind that claims will be paid on time and without a dispute.

In Texas, there are no claim forms to fill out with Medicare supplement insurance. Thanks to the Medicare crossover system and electronic filing, all the paperwork is completed for you, making it possible for you to concentrate on nothing but feeling better.

For more information or to obtain your instant quote on visit our homepage.

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Are Medigap Plans Available in Texas for All Seniors?

Posted on by Charles Peeler

Now that your 65, you’re most likely eligible for Medicare and Medicare Supplement insurance, also called “Medigap”. Medigap is a powerful tool to have at your side when dealing with the costs of medical care, potentially saving you thousands of dollars. With deductibles, copays and coinsurance, even with Medicare, going to the doctor can cost a small fortune. But are there Medigap plans available in Texas for all seniors? Read some information and be prepared when it comes time for selecting the coverage you need.

Why Medigap Insurance?

Medicare supplement fills in the “gaps” that Original Medicare doesn’t pay for like deductibles, coinsurance and copays. In some cases, Medicare Supplement pays for services Original Medicare doesn’t pay at all like benefits while in a foreign country.  A Medigap plan can save you money by eliminating some or all of your out-of-pocket expenses.

In Texas, there are several different plans available- ten to be exact. Plans are identified by letters of the alphabet and are made up of different combinations of benefits. Plan “A” for instance offers minimal coverage, while Plan “F” offers comprehensive coverage, eliminating out-of-pocket expenses completely. There are a variety of combinations, which is why it makes sense to review each plan carefully to ensure you get the coverage you need at a price you can afford.

Medicare Select is also available in Texas as a way to help seniors save a little money on premiums. With a Medicare Select plan, you still receive the same coverage as a standard plan, but you pay less in exchange for using hospitals and health care providers in a plan’s specified network.

Who’s Eligible?

Fortunately, most Texans who are 65 or older are eligible for Medigap simply because they’re enrolled in Original Medicare- Parts A and B.  However, there are some cases where you may not be eligible or you may not need Medigap insurance. If for some reason you decide not to accept Part B, then you are not eligible to purchase a Medigap plan. If you have group insurance through an employer, have a Medicare Advantage plan or are receiving Medicaid, you may not need additional coverage.

Shop Wisely

Shopping around for Medicare Supplement insurance is tricky enough with all the different companies and all the different plans available. Luckily, Medigap plans are standardized by the government. This means that every insurance company that sells Medicare Supplement must provide the same plans, containing the same basic benefits. In other words, a Plan “F” offered by one company must contain the same basic benefits as a Plan “F” offered by a different company.

Simply because plans are standardized does not mean different insurance companies will be the same. There are stark differences in cost, dependability and reliability that must be taken into consideration. You may be able to find a great plan for less, but be wise when choosing coverage and stay with household names you know and trust for delivering benefits on time and when you need them most. Companies like United of Omaha or Blue Cross Blue Shield of Texas have worked hard to gain the trust of Texans by providing coverage they can depend on.

Become familiar with the Medigap plans offered in your area. Read about the different types of coverage and how specific plans may or may not save you money. Choose your provider carefully and make the most of Medicare Select  for saving money on premiums. Luckily, with several different options to choose from, if you’re eligible, there is most likely the right Medigap plan available in Texas for you.

For additional information or to obtain an easy to read Medicare Supplement Quote visit our website.

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Is Your Texas Medicare Supplement Plan Still Within Your Budget?

Posted on by Charles Peeler

Times are tough for everyone and a few dollars saved here and there can really add up at the end of the month. While medical benefits are not an area you’re willing to make sacrifices in, there are some money saving strategies available to help save you money in the long run. How about your Texas Medicare Supplement plan? Is it still within your budget? Learn how to choose a policy that not only makes sense for you medically, but provides coverage you can afford, leaving more money where it belongs- in your pocket.

Medicare Supplement Plans are Not Created Equal

Regardless of what you may have heard, all Medicare Supplement or “Medigap” plans are not created equal. In Texas, there are ten different plans to choose from. Each plan is identified by a different letter of the alphabet and each offers different combinations of benefits. Some plans offer minimal coverage, while others are designed to eliminate out-of-pocket expenses completely. The right plan can significantly reduce or increase the amount of money you need to pay to visit your doctor.

Look for Flexibility With Pricing

There are alternatives available where you can get the coverage you need, but for less money.  For instance, Blue Cross Blue Shield of Texas offers a reduced premium Medicare Select option that provides the same benefits but for less cost. By agreeing to use participating hospitals, you can save money.

Budget conscious plans offer another alternative. High deductible plans have a cost sharing feature that offers low cost premiums with the coverage you need to feel safe and secure. Plus, there are always low cost basic Medicare Supplement plans that provide just the minimum benefits.

Don’t Sacrifice Quality for Low Prices

While cost is a major consideration when it comes to your Medicare Supplement insurance, try not to sacrifice quality for the cheapest rate. Luckily, Medigap plans in Texas are standardized.  Meaning a plan “F” sold by one insurance company must include the same benefits as a plan “F” sold by another company. This makes comparison shopping a bit easier, but does not guarantee the insurance companies will provide benefits the same way.

In addition to cost, there are some pretty important differences between insurance companies that you must take into consideration. While you may be able to find cheap rates for the same Medigap policy, remember that dependability, stability and name recognition will most certainly impact a company’s ability to deliver benefits when you need them most. Be smart when selecting your insurance provider and stay with names you know and trust to get reliable, dependable coverage.

Medicare Supplement insurance can potentially save you thousands of dollars in out-of-pocket expenses. With deductibles, coinsurance and copays, a few trips to the doctors can leave you financially strapped. Make sure to get the best deal by looking for flexibility with pricing, don’t sacrifice quality for low prices and select only dependable, reliable providers you know and trust.

For more information or to obtain real time quotes on a Texas Medicare Supplement Plan visit our easy to use website.

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Most Seniors are Happy With Their Medicare Benefits in Texas

Posted on by Charles Peeler

If you’re a senior, chances are you’re pretty satisfied with your health care benefits. Sure, there are a few things that could be easier and of course, less expensive, but for the most part, folks 65 or older are happy with their Medicare benefits in Texas. Whether you receive Part A, Part B or both, the benefits are the same for everyone. But here’s the tricky part- there are real differences with how you receive your benefits. If you have the option to choose, consider looking into quality, dependable providers you know and trust and enjoy peace of mind that comes from knowing you’re covered when you need it most.

Reliable Providers Equal Reliable Benefits

Yes, Medicare is a federally run program and yes, it’s supposed to be the same for everyone. Aha. There are some differences that may leave you scratching your head. Luckily, there is a way to ensure that you not only receive the right benefits, but also, that they’re delivered properly. Believe it or not, choosing the right provider plays a role in how your medical coverage gets to you. In other words, choose quality and get quality.

When looking into insurance companies for your supplement, consider staying with the names you know and trust for dependability and reliability. There’s a reason why Blue Cross Blue Shield of Texas or United of Omaha have such positive reputations in the insurance world. Texans know when they choose a company with stability, they get security and a promise that medical care is available when they need it- no questions asked.

Supplementing Coverage with Medigap Insurance

Medicare benefits in Texas are often supplemented with Medigap insurance, also called Medicare Supplement plans. In Texas, folks are given the choice between ten plans, each identified by different letters of the alphabet. Each plan has different combinations of benefits, giving Texans the greatest flexibility to choose specific coverage to meet their medical and budgetary needs.

Plan F is by far the most popular Medicare Supplement insurance plan in Texas simply because it pays for all out-of-pocket expenses as well as any excess charges a provider may charge for amounts over the federally approved amount. That means no deductible, no copay and no coinsurance-ever. When you visit your doctor, you can rest assured that you do not have to pay anything. An obvious reason why people are satisfied with their Medicare coverage has to do with the availability of such great supplement insurance.

The great state of Texas has lots of things to be proud of and now we can add Medicare benefits to the list. Believe it or not, seniors in Texas are happy with their coverage and the way they receive it. Considering the role of the provider in keeping these folks happy, choose quality and dependable companies like BCBS of Texas or United of Omaha and get the same satisfaction from knowing your benefits will be delivered on time, when you need them and with the least inconvenience to you.

For additional information or to obtain an instant Texas Medigap insurance quote visit our website.

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Standardized Medicare Supplement Plans in Texas Make Selecting One Easy

Posted on by Charles Peeler

If you’re in the market for Medicare Supplement insurance, here’s some good news- finding the perfect plan is easy because they’re standardized by the federal government. What does that mean? Well, for you, that means an easier way to compare specific plans, an easier way to compare insurance companies and an easier way to select exactly the right plan to fit your needs. Take a minute to review some facts about Medicare Supplement plans in Texas and make choosing the perfect plan a breeze.

What Does Standardized Mean?

In Texas, there are ten Medicare Supplement plans to choose from. Each plan is identified by a different letter of the alphabet and each has a different combination of benefits. The letter system makes it convenient to identify one plan from another. The federal government standardizes Medicare Supplement plans, meaning that each plan of a certain letter must offer the same benefits- all the time, regardless of the company offering the coverage.

As you know, Medicare Supplement insurance, also called Medigap insurance, is sold through private insurance companies. Standardized plans offered by these companies must include the exact same minimum level of benefits. In other words, a Plan F from one insurance company must have the same coverage as a Plan F offered through another insurance company. Standardized Medicare Supplement plans in Texas ensure that you can compare easily.

There are Still Important Differences

While it’s true that insurance companies offer the same plans, there are still differences that must be considered. Obviously cost is a major consideration. Simply because companies must offer the same coverage does not guarantee they will sell it for the same price. Nevertheless, most insurance companies are competitive, meaning they usually run fairly close to one another in pricing. It’s not uncommon however to see price spreads of 20 or 30 dollars a month with some carriers.

More importantly, the real difference between providers has more to do with the reputation and reliability of the company than the actual Medigap plan. Medicare Supplement plans may be standardized, but the insurance companies are not. You still need to be selective in choosing you insurance provider. Why? Simple. A reliable insurance company with a track record of providing dependable coverage is a much better choice than an unknown company that could be out of business in a month, or a year when you need your benefits. Also, most brokers can give you the trends of the different companies as it relates to rate increases therefore eliminating the possibility that you find yourself shopping for coverage every year or two.

Choose Quality, Receive Quality

A good rule of thumb to live by- choose quality, receive quality. When you make the decision to purchase your Medicare supplement insurance in Texas, look for names of companies you know and trust like Blue Cross Blue Shield of Texas or United of Omaha. These are the companies that will be there for you rain or shine, when you need reliable coverage you can depend on.

Standardized Medicare Supplement plans in Texas make choosing the perfect plan easy and convenient. Without having to search endlessly for the right combination of benefits, you can spend more time looking for a quality provider. Choose reputable, well-known companies like United of Omaha or BCBS of Texas and get peace of mind in knowing when you need medical coverage, you can get it- no questions asked.

For additional information or to obtain an instant, live quote visit our website.

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Blue Cross Blue Shield of Texas Medicare Supplement – Stable, Solid and Competitive

Posted on by Charles Peeler

When it comes to choosing your Medicare supplement provider, you have plenty of options. And although there are lots of different companies offering policies, some are simply better than others. Avoid the hassle of dealing with unreliable, unknown insurance companies and choose Blue Cross Blue Shield of Texas Medicare supplement for stability, dependability and competitive pricing.

Years of Quality Service Equals Stability

There’s a reason why so many consumers choose BCBS of Texas for their Medicare supplement insurance. With over 80 years of proven service, they offer stability that’s hard to match. You pay good money for your insurance and you need to know that your provider isn’t going to suddenly go out of business or fail to deliver benefits when you need them most. Blue Cross Blue Shield of Texas has earned its reputation by offering its customers more than insurance, but a promise that they’re just as strong today and getting stronger with every day.

Reliability You Can Trust

In Texas, Medicare supplement plans are standardized. That means that every provider offering Medigap insurance must make the same plans available with the same coverage. In other words, a Plan “F” from one company must contain the same minimum benefits as a plan “F” from another company. This makes comparison shopping a bit easier, but only in terms of the specific plans. You still need to consider the reputation of the provider for being able to deliver.

With a major carrier like Blue Cross Blue Shield of Texas, reliability is never a concern. Remember, just because different providers offer the same benefits does not guarantee that they will be dependable. Stay with the solid, reliable name of Blue Cross Blue Shield of Texas and rest assured that you’re getting a quality product from a quality insurance company. After all, what good does it do to save a few dollars on insurance if you’re dealing with an unreliable provider? If you can’t access your benefits, it doesn’t matter how inexpensive your premium.

Competitive Pricing

These days, everyone is looking for a way to save a few dollars. With a major carrier like BCBS of Texas, you can save money because they’re able to offer competitive pricing where other smaller companies cannot. When you have a large, loyal customer base, it’s easy to offer deals. This is good for the consumer because it lowers the cost of insurance. Smaller companies do not have the same access to lower pricing because they need to make up for less revenue by keeping prices high. Stay with BCBS of Texas to get competitive pricing and rest assured you’re getting top quality at great rates.

Blue Cross Blue Shield of Texas customers are the first to tell you that they get a lot more than just a plan when they purchase Medicare supplement insurance. With health care a top priority for many Texans, choosing a stable, dependable and competitively priced provider can give you the peace of mind you need when you need it most.

For additional information or to obtain an instant Texas Medicare Supplement quote visit our website.

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What are the 2012 Changes for Texas Medicare Insurance?

Posted on by Charles Peeler

With the New Year in full swing, Texas Medicare insurance recipients should be prepared for a few changes. Some are good, some not so much. Nevertheless, they’re here to stay and we all need to know about them. Take a few minutes to familiarize yourself with some of the most important 2012 Medicare changes and be prepared to make informed decisions concerning your health care.

Important Date Changes

Annual Enrollment is Earlier

One of the most important changes to Texas Medicare this year is the new Annual Enrollment period. It now begins on October 15th and ends on December 7th. This starts- and ends a bit earlier than last year.  Make certain to note these dates as Annual Enrollment is when you can make changes to your existing Medicare health or Prescription Drug Plan.

Special Enrollment

Special Enrollment gives seniors the chance to enroll or switch plans outside of the Annual Enrollment period. In 2012, you’re now allowed to switch to a Medicare Advantage Plan or Medicare Prescription Drug Plan with a five star rating at any time during the year.

Mail

“Medicare and You” handbooks should have been mailed out in mid-September this year as opposed to October. All Medicare beneficiaries receive this book. You should have received it by now, keep an eye out for it- it’s a useful resource for answering common questions and concerns. In addition, for the 2012 contract year, you should have received your Annual Notice of Change (ANOC) and Evidence of Coverage (EOC) documents by September 30, 2011.

Deductible and Premium Amounts

Interestingly, the 2012 part B premium has decreased. However, for folks who were already paying $96.40, there is a slight increase of $3.50. Remember, certain folks who make more money will pay more as the premium is income adjusted.

Changes to Part D

Benefits

As per the Affordable Care Act, preventive services are still covered 100 percent. This means there’s no copayment for these services at all. Preventive includes flu shots, screenings, diabetes tests, wellness checks etc. – this is good news to all people, not just those on Medicare. In addition, in 2012, standard Medicare will cover screening and counseling for alcohol misuse, depression and obesity.

Medicare Advantage

In 2012, Medicare Advantage plans are prohibited from having higher cost sharing requirements for certain medical services like chemotherapy, skilled nursing and other services. Also, beginning in 2014, Advantage plans will have limitations on profits. As a consequence, many providers will decide to exit the Medicare Advantage market.

Increased Coverage for Prescription Drugs

Seniors enrolled in PDP’s and MA-PD’s will continue to save money in 2012. When the coverage gap or “donut hole” is reached, there’s a 50% discount on brand name drugs as well as 14% increase in generic drug coverage. That’s up 7% from 2011.

Keep informed and up to date with changes in Medicare to ensure that you continue to receive the highest quality care possible. Stay with reliable and stable providers like United of Omaha, Blue Cross Blue Shield of Texas and Gerber- major carriers that you can depend on to continue to provide quality care at an affordable price.

For additional information on how these changes affect you or to obtain a supplement quote on Texas Medicare Insurance visit our website.

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Relax Baby Boomer, You’re in the Driver’s Seat for Medigap Policies Available in Texas

Posted on by Charles Peeler

With over 10,000 baby boomers turning 65 every day, the market for Medigap policies available in Texas is bigger than ever.  Insurance companies realize this, understanding that the key to their financial security depends on how successfully they market competitive policies to this demographic. For Texans, this is great news because it makes finding a quality, affordable Medigap policy easier than ever.

The Coveted Baby Boomer

Besides making up such a large percentage of the population, baby boomers- those born between 1946 and 1964- are a desirable group for the insurance companies. Why? Simple. As a rule, they’re a more disciplined group.  Generally, they have a steady income, they consistently pay their premiums on time and they complain less. With a stability that cannot be attributed to any other demographic, baby boomers are simply a pleasure to do business with. Insurance companies are in the business to make money and knowing they can depend on the consistency and stability of baby boomers provides incentive to offer competitive Medigap policies.

Access to Competitive Pricing

With the trend in ageing expected to provide a steady supply of Medigap policy holders for decades to come, insurance companies are paying close attention to their competitors. They know that most major carriers are offering something similar and are trying very hard to differentiate themselves.  As a consequence, the selection of Medigap policies available in Texas is large, competitive and easily accessible. As a Texan approaching 65, this is great news and finding the highest quality, most affordable rates is easier than ever. Competition between providers benefits everyone looking for a great deal.

Shop Wisely

Even though the selection is wide, make certain when you look for a Medigap provider that you choose only reliable, dependable insurance companies. Remember, in the state of Texas, Medigap policies are standardized, meaning that every provider must offer the same coverage for the same plan. However, you still need to be conscientious about the reputation of the insurance company you choose or you could end up with a company that doesn’t live up to its end of the bargain. Protect yourself by looking for household names that you know and recognize and get the peace of mind that comes from choosing dependable insurance from a trusted name. Companies like United of Omaha or Blue Cross Blue Shield of Texas have been providing Medigap insurance to Texans for years. Staying with these major carriers will ensure that when you need medical coverage, your provider will be there for you.

As a baby boomer approaching 65, you are in a great position to look for competitively priced, reliable Medigap insurance. Insurance companies understand the future of their business depends on keeping you and your demographic happy. Take the time to look for the right Medigap policy that makes sense for you and be selective in choosing your insurance company. Stay with names you know and trust like United of Omaha or BCBS of Texas and get the insurance you deserve.

For additional information or to compare prices on Texas Medigap Plans visit our easy to use website.

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Your Almost 65 – Time for Texas Medigap Insurance

Posted on by Charles Peeler

You take good care of yourself, you eat right, exercise and make certain that quality health care is available to you when and if you need it. Now that you’re almost 65, it’s time to start thinking about Texas Medigap insurance. True, you’ll be eligible for Medicare and a significant portion of your health care will be paid for. The thing is, Medicare doesn’t pay for all of your health care services and that’s where a quality Medigap insurance plan can help. In fact, by taking the time now to learn what’s available and what makes sense for you, you can stay ahead of the game and be prepared when it comes time to choose your coverage.

A Cost Saving Solution

If you’re like most Texans, you understand the importance of saving money and health coverage is no different. After all, health care costs are on the rise and it’s only going to get worse. Even with Medicare helping, there are quite a few out-of-pocket expenses that you’re responsible for paying. For instance, Medicare doesn’t pay for deductibles, copays and coinsurance. These expenses can be significant, costing you thousands of dollars or more. A quality Medigap plan can help pay for some or all of these costs, leaving you with more money on hand.

Large Variety Lets You Find the Plan That Works Best for You

The best part about Medigap insurance is that you can find the perfect plan to suit your budget and your coverage needs. Everyone has something a little different in mind when they think of the perfect supplement insurance. With 10 Medigap plans in Texas to choose from, it’s easy to find the plan that works best for you. Besides, the right Medigap policy gives you peace of mind in knowing that when you need medical coverage, you can get it. Whether you need all of your out-of-pocket expenses covered or you’re looking for flexibility while traveling, finding the perfect coverage at an affordable rate is possible.

Choose Quality, Dependable Providers

Remember, Medicare supplement plans are standardized, meaning that a plan F offered by one insurance company must contain the same benefits as a plan F offered by another insurance company. The only real difference between providers is cost and dependability. In other words, simply because two companies offer the same plan, does not mean that they are going to be as reliable. Stay with names you know and trust like United of Omaha or Blue Cross Blue Shield of Texas who have earned a reputation for providing dependable insurance to Texans just like you for decades.

Now that you’re almost 65 and you’ll be eligible for Medicare, it’s time to start thinking about Texas Medigap insurance. As a cost saving solution and a chance to get the peace of mind you deserve, securing quality Medicare supplement insurance from a dependable provider is simply a smart choice.

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Medicare Supplement Quote in Texas – Freedom to Shop at Home

Posted on by Charles Peeler

If you’re like most people, you want to make sure that when you purchase Medicare supplement insurance, you make the right choice. But with so many people to talk to and so many insurance companies, finding the time to go through all the information can be a challenge. Luckily, you can get a Medicare Supplement Quote in Texas easily from the comfort of your own home, giving you the freedom to shop at home and avoid the hassle of having to travel or spend time when it’s not convenient.  

Take Advantage of the Internet

Comparison shopping for a Medicare Supplement Quote in Texas is easy with the internet. In fact, you can look for the best rate simply by visiting different provider websites and entering in your information. Remember, there’s no risk to you as long as you are searching for the best Medicare Supplement quote in Texas because you are not obligated to buy.  Obtaining quotes from multiple carriers will ensure that you can compare costs to maximize your savings.

Stay With Names You Know and Trust

It can be difficult to separate the quality, reliable information from the junk. However, an easy way to avoid the fly-by-night insurance companies and those that are unreliable and inaccurate is to stick with the household names that you knew and trust like Blue Cross Blue Shield of Texas, Humana, United of Omaha Life Insurance and even Gerber Life. These are the companies that have been selling high quality, top rated Medicare Supplement Insurance in Texas for ears and have earned the trust and respect of Texans.

Consider an Independent Agent

After you’ve researched your options and you feel comfortable that you’ve found a Medicare Supplement quote in Texas that you’re happy with, consider using an independent agent to help you complete the process and secure the best deal. A local independent agent in Texas has access to accurate prices from all the major insurance carriers and can ensure that you get the best possible rate. Remember, an independent agent isn’t obligated to any one insurance provider and as a result, has your best interest in mind. The goal of an independent broker is to secure you the lowest rate for the highest benefit level. Besides, a local agent can help you every step of the way with your Texas Medicare Supplement insurance, making servicing your policy easy and convenient.

Finding a reliable Medicare Supplement quote in Texas from the comfort of your own home is easy, convenient and safe. Don’t waste time traveling or listening to people talk endlessly when you don’t have to. Use the resources provided to you by the internet and comparison shop. Look for names of insurance providers that you know and trust and get a Medicare Supplement quote in Texas that you can depend on. After you have a few companies in mind, consider using the expertise and knowledge of a local, independent agent to help you complete the process.

To review instant, live quotes from top companies visit our easy to use Texas Medigap Insurance website.

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Texas Medicare Supplement Insurance – The Foundation for Protecting your Nest-Egg

Posted on by Charles Peeler

You’ve worked hard your entire life and you’re proud of how you’ve been able to put away for your retirement. It may not be much, but it’s your hard earned nest egg that will secure your financial freedom. With the economy performing poorly and the cost of medical care increasing every day, you want to make the most informed decisions concerning your health care dollars. The less money you spend now, the more money you will have later.

At 65, you’re eligible for Medicare and that helps considerably. However, Medicare doesn’t pay for all of the health care services you need and out-of-pocket expenses can be significant. Consider Texas Medicare Supplement insurance to help pay deductibles, copays and coinsurance and keep your hard earned money right where it belongs- in your pocket. As the foundation for protecting your nest egg, Texas Medicare Supplement Insurance is the right choice.

Why You Need Supplement Insurance

You may have Medicare parts A and B already. If you do, you are well aware of the additional out-of-pocket expenses that are not covered. Deductibles, copays and even coinsurance- costs that you’re responsible for paying when you receive medical treatment. Texas Medicare Supplement Insurance helps pay for some or all of these costs, saving you money. When it comes to protecting your nest egg, Texas Medicare Supplement insurance is simply a good choice because it can help you save more of that money, leaving it for other uses. After all, why spend money on health care when you don’t have to?

A Variety of Plans for Every Need

With 10 Medigap plans to choose from, finding the right plan to protect your hard earned money is easy. Maybe you travel often or your doctor treats you but is charging more than Medicare allows. Whether you’re looking for foreign travel emergency benefits or freedom from excess charges, you can find the right plan that fits your budget and your medical needs perfectly. Remember, all Texas Medicare Supplement insurance includes basic benefits and you can always choose your own doctors, hospitals and other health care providers. By finding the plan that’s right for you, you can be assured that your nest egg will be protected and there when you need it.

Choose Only Quality, Respected Health Insurance Companies

These days, there are quite a few health insurance companies to choose from. In fact, a simple internet search can turn up so many companies, it can be overwhelming. Remember, not all insurance providers are the same and you’ve worked too hard to make the mistake of choosing just any old provider. Make the right decision by looking for a quality company that you know and trust. Look for name recognition when choosing Texas Medicare Supplement Insurance like Blue Cross Blue Shield of Texas or United of Omaha Life Insurance Company. Staying with companies that are established and reputable will ensure that you receive the best coverage, quality service and benefits at an affordable rate. Get the peace of mind that comes from knowing that you have insurance backed by a name you can trust that will deliver when you need it most.

Choosing the right supplemental insurance is an important part of planning for your financial security. You’ve worked hard to build a nest egg, make certain to protect it by securing a plan to help you get the most out of your health care dollars. Look for quality companies that you know and trust like Blue Cross Blue Shield of Texas or United of Omaha Life Insurance Company and rest assured that you are building a strong foundation for protecting your nest egg with Texas Medicare Supplement Insurance.

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Will the Medigap Policies Available in Texas Allow Me to See My Doctor?

Posted on by Charles Peeler

You’re not alone if you’re concerned about being able to keep your doctor after you purchase a supplement policy. In fact, if you’re like most people, you’re probably pretty comfortable with your healthcare provider and you’re not looking forward to changing. While you’re certain that you’re going to need to purchase a Medigap plan, you’re not sure how to choose one that will fit your specific needs. There are networks, select plans and a whole bunch of options that can be a bit confusing. Learning a little about Medigap policies available in Texas and how they affect your healthcare choices will help you choose a plan that best fits your healthcare needs and gives you peace of mind.

The Basics

Medicare is federally funded healthcare available to all Texans age 65 or older and those with certain disabilities. Medicare is great for helping to pay for some of your health care costs. However, It wasn’t designed to pay for everything and as a result, there are out-of-pocket expenses that you are responsible for. Most Texans opt for Medigap insurance, also called Medicare Supplement insurance to fill the “gaps” in Medicare that aren’t covered. A Medigap plan in Texas can help you pay for these extra expenses.

Medigap Policies Available in Texas

There are ten Medigap policies available in Texas. Each plan is identified by a different letter of the alphabet (A through N) and each plan offers a different combination of benefits. Some plans cover basic benefits and some plans cover more. In Texas, most people prefer plan F because it’s the only Medigap plan that completely eliminates all out-of-pocket expenses like deductibles, coinsurance and copayments.

Medigap plans in Texas are standardized, meaning that a plan F sold by one insurance company must provide the exact same basic benefits as a plan F sold by another company. The only differences among insurance companies are cost and dependability. This is helpful when you’re looking to compare plans. Nevertheless, shop wisely and make certain to stay with a name you trust like Humana or Blue Cross Blue Shield of Texas. Simply because other insurance companies must offer the same plan does not mean that they will be as dependable or reliable.

What About keeping my Doctor?

With all standard Medigap plans available in Texas, you may choose your own doctor and you never need a referral to see a specialist. That is true for every plan from every provider. However, there is an option called Medicare Select, where in return for paying less for your premium, you agree to use doctors and physicians in a preferred network.

Medicare Select

Medicare Select is a type of Medicare Supplement policy that offers the same benefits as other plans, but costs less. In exchange for paying a lower premium, you agree to use doctors and hospitals in the plan’s network. Check with your doctor, because in many cases, he or she may be included in the plan’s network. 

Medicare Select is a great way to save money on premiums, as long as you are willing to stay within the network. However, with emergency care, you can go to any hospital, but if you use out-of network providers for non-emergency care, you’re responsible for some of the cost. If you leave your Medicare Select plan, your insurance company must offer you a Medicare Supplement plan with similar benefits.

Looking for and finding a Medigap plan can be a bit confusing if you’re concerned about keeping your doctor. While there are Medicare Select options that require you to use doctors in a network, standardized Medigap policies do not require that you use a network and you can keep your own doctor. Take the time to familiarize yourself with the Medigap plans available in Texas and shop wisely. Stay with names you trust like Humana and BCBS of Texas and get the peace of mind that comes from knowing you are covered completely- with your own doctor.

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Blue Cross Blue Shield of Texas Medicare Supplement Plans offer Stability

Posted on by Charles Peeler

There’s a reason why Blue Cross Blue Shield of Texas Medicare supplement plans are popular, one is they have been providing financial protection for over 65 years. The benefits are consistent and dependable, the prices are reasonable and the customer service is state of the art. Basically, with BCBS of Texas, you’re getting sold benefits at an affordable price from the most trusted name in health insurance.

Strength and Financial Stability Backed by Over 65 Years of Experience

Recent changes in regulations and unanticipated mandates from the Health Care bill have turned the health insurance industry on its head. In fact, many companies are exiting the Texas health insurance market, leaving people unsure of what’s next. With over 65 years of experience, we feel there’s no chance that BCBS of Texas is going to suddenly decide that they aren’t interested in the this market anymore. One out of every 3 Americans is insured with Blue Cross Blue Shield. That’s a lot of people and testament to the strength and financial stability of the company.

In fact, legislation may have spurred the unpredictable nature of the business, but companies like BCBS of Texas are only getting stronger. Why? Simple. As more and smaller, unknown insurance companies fold under the pressure, the strong, dependable companies like BCBS of Texas are standing tall. Name Recognition is synonymous with trust and they have earned that trust through years of dependable service-regardless of the political climate.

Affordable Rates from a Leader in Health Insurance

In addition to security, they offer a money saving Medicare Select option with several of its Medicare supplement plans so you can make certain that you get the plan that’s right for you, regardless of your financial difficulties.  Basically, you pay a reduced premium by agreeing to use Medicare Select network hospitals for non-emergency care. Don’t worry because you’re fully covered for emergency care at any hospital, so if you need to visit the emergency room, you can. Plus, the BCBS network is the largest in the country, making it super easy to find a terrific doctor right near home.

Large Variety of Plans for Every Need

With a large variety of plans to choose from, Blue Cross Blue Shield of Texas makes it easy to find exactly what you’re looking for. In fact, there are low cost sharing plans for those who are interested in keeping their premiums low, plans that cover your health care costs should you be injured while traveling overseas, plans that pay the excess charges above and beyond what Medicare will pay and even plans that eliminate all of your out-of-pocket expenses, taking the stress out of paying for health care. In our state, Plan F is the most popular because it completely eliminates all deductibles, copays and coinsurance. With Plan F from BCBS of Texas, you get the most peace of mind because you never have to pay a dime to visit your doctor and the deductible is taken care of.

They have earned a reputation over the years as an insurance provider that can be trusted. With over 80 million customers, it’s no wonder why they are the leading name in health insurance. From affordable rates to quality coverage and excellent customer service, BCBS of Texas offers Texas Medicare Supplement Plans that are reliable, dependable and worthy of your business.

For more information or to obtain an instant quote visit our easy to use Texas Medicare Supplement website.

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Medicare Insurance in Texas Provides Peace of Mind

Posted on by Charles Peeler

Most people understand the importance of securing reliable health insurance. With the costs of medical care on the rise, even one trip to the hospital can end up costing you thousands of dollars or more.  The fact is, health insurance protects us in the event we need unexpected medical care and helps us pay for routine care like visits to the doctor or annual tests. For those over 65, Medicare insurance in Texas provides peace of mind, giving many folks the freedom to enjoy life without worrying about how to pay for health care.

Original Medicare

In Texas, original Medicare is available to everyone 65 or older and those with certain disabilities. Original Medicare is Part A-hospital coverage and Part B- medical coverage. Part A is free for everyone (you paid into it while working), but for Part B, a premium is deducted from your Social Security benefits each month. Medicare insurance in Texas is an important part of a well-designed health insurance strategy, but in many cases, it’s not enough.

Medicare Supplement Insurance

Often, folks decide to supplement Original Medicare with a Supplement policy, also called Medigap insurance. Medigap insurance is insurance sold through private companies designed to help pay for the “gaps” in coverage that Medicare doesn’t pay for. Out-of-pocket expenses like deductibles, copays or coinsurance can add up fast, leaving you with a steep health care bill. This type of insurance can help you pay for these costs, taking some of the uncertainty out of health care.

In Texas, there are 10 plans to choose from, each with different combinations of coverage. Choosing the right Supplement plan can give you even more security than with traditional Medicare alone and can save you a lot of money. In fact, the most popular plan is Plan F, simply because it completely eliminates all out-of-pocket expenses. That means you never pay deductible, copay or coinsurance and you have the freedom to choose any doctor you wish.

Choose Coverage you Can Depend on

You have choices when it comes to your supplement. Always choose health insurance providers that are dependable and have earned a reputation for quality with Texans. United of Omaha and Blue Cross Blue Shield of Texas have been serving the residents of Texas for several years and have worked hard to keep folks protected and happy with their health care coverage. Remember, reliability in a health care provider should be your number one priority. While cost is important, there is no guarantee that an unknown provider will be as reliable when you need them most.

Medicare insurance in Texas is an important part of your health care strategy. Part A provides your hospital care and Part B covers your medical. While Medicare helps with the costs of health care, it only pays for 80%, leaving you with considerable out-of-pocket expenses. Consider Supplemental insurance to help pay for some of the gaps in coverage that traditional Medicare doesn’t pay for. Remember to choose well-known, established providers like United of Omaha or Blue Cross Blue Shield of Texas that have earned a reputation for providing quality health insurance to Texans just like you.

For more information or to obtain an instant quote visit our easy to use website.

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What is Texas Medicare Part B?

Posted on by Charles Peeler

You’re about to turn 65 and that’s great because soon you’ll be eligible for Texas Medicare. However, you’re a bit unsure about how it works. There’s Part A, Part B and Medicare Supplement insurance.  From what you’ve heard, you have to pay for Part B, but you don’t have to accept it. Is it worthwhile? Should you consider it? What about Medicare Supplement insurance? Take the time to learn the basics about Texas Medicare and make informed decisions when it comes time to make choices regarding your healthcare.

Texas Medicare Basics

Texas Medicare is a federally funded health care program designed to help seniors and those with certain disabilities with their health care needs. In Texas, you are eligible for Medicare if you are 65, but you can enroll earlier if you have a disability or End Stage Renal Disease.  As long as you receive Social Security or Railroad Retirement benefits, you are enrolled in Parts A and B of Texas Medicare automatically. Coverage generally begins on the first day of the month in which you turn 65 and a Medicare Health insurance card is sent to you by mail three months before your birthday. Part A is free, but a monthly fee for Part B is deducted from your Social Security check. If you decide you do not want Part B, you can simply return the card and you will not be charged. Remember, by keeping the card, you are acknowledging that you want Part B coverage and the fee will automatically be taken from your Social Security check.

Texas Medicare Part A pays for hospital coverage and Part B pays for Medical coverage. Hospital coverage includes inpatient hospital services, skilled nursing facility care after a hospital stay, home health care, hospice care and the first three pints of blood each calendar year. Texas Medicare Part B pays for medical expenses, like clinical or laboratory services, outpatient hospital treatment and preventive health care like exams, health screenings, shots and lab tests. Basically, your Texas Medicare Part B covers medical care that is not inpatient like ambulance services, doctor’s services, EKG screening, emergency and urgent need care.

Texas Medicare 2012 Premiums

Many Texans will see their Medicare Part B premiums decrease in 2012. Why? Well if you joined Medicare after 2009, you most likely pay $110.50 or $115.40. In 2012, the new Medicare Part B premium will be $99.90, a decrease of a little over $10.00 or $15.00. Unfortunately, for those folks who enrolled prior to 2009 and pay $96.40, there will be a slight increase of around $3.50 per month.

Medicare Supplement

Texas Medicare is helpful, but it was not designed to pay for all of your health care costs. In fact, it only pays for 80% of covered costs, leaving you with a 20% coinsurance. Out- of-pocket expenses like deductibles, copayments and coinsurance add up fast.  To help, many folks choose to supplement their Texas Medicare with a Medicare Supplement plan or “Medigap” insurance. With ten available plans to choose from in Texas, it is possible to get your entire out-of-pocket expenses completely eliminated. Consider Blue Cross Blue Shield of Texas or Cigna for quality that you can depend on and get the peace of mind in knowing that when you need medical coverage, you can get it easily and conveniently. Remember, to be eligible for Medicare Supplement insurance in Texas you must be enrolled in both Part A and Part B of Texas Medicare.

Texas Medicare Part B is optional, true, but a good start if you’re looking for a consistent, reliable health care plan. While it covers a significant portion of your health care, it doesn’t pay for it all and you may need to supplement your Texas Medicare with a Medigap policy. The right Medicare Supplement plan can eliminate all of your out of pocket expenses, leaving you confident and secure with your health insurance choices.

For more information or to obtain an instant quote on Texas Medigap plans visit our website.

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Can I Choose Any Doctor on Texas Medicare Supplement Health Insurance Plans?

Posted on by Charles Peeler

Now that you’re 65, you’re eligible for Medicare and that’s great news. However, Medicare doesn’t pay for all of your health care expenses.  In fact, it only covers up to 80 percent of your medical expenses, leaving you with a significant amount of out-of-pocket costs. Most Texans choose to supplement their Medicare coverage with a Medicare Supplement insurance plan. That sounds about right, but can you choose any doctor on Texas Medicare Supplement health insurance plans?

Keeping Your Doctor

If you’re like most people, you’ve developed a relationship with your doctor and you trust them for helping you with your health care decisions. In fact, the thought of having to change providers as part of a Medicare Supplement health insurance plan is devastating. The good news is that with every Medicare Supplement plan offered in Texas, you have the opportunity to choose your own doctor and there are no restrictions or networks to deal with. This is great news and it makes choosing a Medicare Supplement plan a bit more convenient.

Medicare Select

While you are not required to use specific doctors in a network, if you choose to, you can significantly reduce your Medicare Supplement premium. Medicare Select is Medicare supplement insurance that requires you use hospitals and doctors within a particular network in return for reduced premiums. Only non-emergency care is restricted to the network, so if you have an emergency you can visit any hospital you choose. As an opportunity to save money, Medicare Select may be a good choice for you. Besides, your doctor may already be included in a Medicare Select network.

Purchasing Medicare Supplement Insurance

You’re not required to purchase Medicare Supplement insurance, although many Texans find it’s a good fit for supplementing Original Medicare. Nevertheless, you must be enrolled in Medicare parts A and B to be eligible. In addition, if you are currently enrolled in a Medicare Advantage plan, you are not eligible to purchase Medicare Supplement insurance.

The best time to buy is during your open enrollment period when insurance companies cannot make you wait for coverage to begin or charge you more for a policy. Remember, every Medicare Supplement plan is guaranteed renewable meaning that as long as you pay your premium on time, your plan cannot be cancelled regardless of your health. Nevertheless, choose only credible, trusted insurance companies like Blue Cross Blue Shield of Texas and get the peace of mind that comes from knowing that your health care coverage is backed by a trusted, dependable provider. 

 If you are considering choosing a Medicare Supplement plan, you do not have to worry about losing your doctor or having to use a doctor you are not familiar with. All Medicare Supplement plans give you the freedom to keep your doctor and use any hospital of your choice. If you are looking for an opportunity to save money on premiums, Medicare Select is available where in exchange for using doctors and hospitals in the plan’s network, you pay reduced premiums. These are the only instances where you would be restricted to a particular network and you do not have to enroll in Medicare Select to purchase Medicare Supplement insurance.

To learn more about which of the 10 Texas Medicare Supplement Health Insurance Plans would work for you visit our Texas Medicare insurance website.

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Texas Medicare Supplement Insurance Plans Offer More Security than Advantage Plans

Posted on by Charles Peeler

If you’re 65 or about to turn 65, you’re eligible for Texas Medicare. That’s great news and Medicare helps to pay for a significant amount of your health care costs. However, it doesn’t pay for it all. You know that to get the coverage you need, you’ll have to purchase additional insurance to supplement your Original Medicare coverage.

Basically, there are two options for supplementing Original Medicare. You can purchase Medicare Supplement insurance (Medigap insurance) or you can purchase a Medicare Advantage plan. While there are benefits and disadvantages to both, if security is a main concern, a Texas Medicare Supplement insurance plan offers more security than advantage plans.

Security You Can Depend on

What does it mean to be secure? For most people, security means safety and reassurance that they’re covered in the event that they need protection. Security with health care coverage is no different. Basically, we want security in knowing that if we need medical care, it’s available and we can afford it. Texas Medicare Supplement insurance offers security with health care.

Standardized Plans

In Texas, there are ten Medigap plans available, identified by the letters A through N.  While each letter offers a different combination of benefits, all plans are standardized meaning that a plan F sold by a company in Dallas must offer the same benefits as a plan F from a company in Tyler. This is true whether you live in Midland, Dallas or anywhere else. A Medigap policy of a certain letter is the same anywhere in the state. Medicare Advantage, or Part C, is an alternative to Medigap insurance, but the coverage is not standardized. In fact, after providing Parts A and B, every Medicare Advantage plan is different.

Out-of-Pocket Expenses

Many people don’t like the idea of assuming any out-of-pocket expenses for health insurance costs.  Medicare Supplement insurance can pay 100% of the costs in exchange for a monthly premium. Basically, that’s no deductibles, no coinsurance and no copayments. On the other hand, with a Medicare Advantage plan, you will pay your Medicare Part B premium and also your monthly premium for your Medicare Advantage plan, plus any other out-of-pocket expenses including deductibles, copayments and coinsurance.

Guaranteed Renewable

All Medigap plans are guaranteed renewable. Basically, that means that as long as you pay your premium on time, an insurance company cannot cancel or refuse to renew your policy regardless of your health. The same cannot be said for Medicare Advantage as specific plans and benefits may change from year to year. Plus, if for some reason your Advantage plan discontinues, you will have to find another plan or return to Original Medicare.

Health Care Provider Choices

With a Medigap policy, you have access to a large network of health care providers and hospitals. In fact, you can see any doctor you wish and you never need a referral to see a specialist. With Medicare Advantage, your health care choices are restricted. You must live in a plan area and in many cases, your choice of doctors and hospitals is limited.

Both Medicare Supplement insurance and Medicare Advantage are offered through private insurance companies to provide additional coverage to Original Medicare. However, with standardized coverage, renewability and a large network of health care providers, Medicare Supplement insurance offers more security than a Medicare Advantage plan. Remember, while insurance providers must offer the same standardized plans, they vary considerably in terms of cost, dependability and reliability. Choose only credible companies like Blue Cross Blue Shield of Texas, a company who has been providing Medicare Supplement insurance to Texans just like you for decades.

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Is it Cheaper to Have an Advantage Plan Instead of a Medicare Supplement in Texas?

Posted on by Charles Peeler

In Texas, if you’re 65 or older, you’re eligible for Medicare and that helps considerably. However, Medicare doesn’t pay for all of your medical expenses and more than likely you’re going to have supplement your coverage with additional insurance. You can purchase a Medicare Advantage plan which provides all of your Medicare Parts A and B and sometimes prescription drug coverage or you can supplement Original Medicare with Medicare Supplement Insurance.

You may have heard a few things about both options and now you’re wondering if it’s cheaper to have an Advantage plan instead of a Medicare Supplement? Typically, the answer is no, but choosing between the two requires looking at a variety of different factors. Nevertheless, if you’re like most Texans, cost is a main concern. Learn more about Medicare Supplement insurance and Medicare Advantage and make the right choice.

What you’re Really Paying For

Medicare

With Medicare, Part A is free for most people, but most pay a premium for Part B. In addition, there are other out-of pocket expenses including deductibles, copayments and coinsurance. In some cases, there are even excess charges if your provider charges more than the approved Medicare amount for a particular service. Original Medicare does not cover prescription drugs and if you want that coverage, you must purchase it separately through a Medicare Prescription Drug Plan.

Medicare Advantage

If you choose to purchase a Medicare Advantage plan, you are opting to get your Medicare benefits through your Advantage plan rather than through Medicare directly. All Advantage plans are required to provide at least the same coverage provided by Part A and B and most offer prescription drug coverage. However, it’s not required that they provide anything more than the basic coverage and benefits vary considerably. More than likely you’re going to have a premium and you are still responsible for any deductibles, copayments and coinsurance.

Medicare Supplement Insurance

If you choose to purchase a Medicare supplement plan, you will have a monthly premium in addition to your Part B Premium, but you can avoid most or all out-of-pocket expenses. In Texas, there are ten Medigap plans to choose from, each with different combinations of benefits. Plan F completely eliminates all of your deductibles, copayments and coinsurance. So while you may be paying more monthly, you won’t owe a cent whenever you receive treatment.

There are other factors to consider. It’s important to compare benefits when comparing premium rates between the two options.  For instance, the premium for Medicare Advantage may be lower than for a Medigap plan, but when prescription drug coverage is added, the premium rate may increase considerably. In addition, with Medicare Advantage, it’s likely that your premium will rise over time. Medigap plans have locked premiums, meaning that they will not increase. Finally, because Medigap plans are guaranteed renewable, you don’t have to worry that your plan will be canceled, even if your health deteriorates. The same is not true with a Medicare Advantage plan. In fact, if your plan discontinues, you will be faced with finding a new plan in your coverage area, or going back to Original Medicare. 

The bottom Line? Many Texans just like you are choosing Medicare Supplement insurance simply because they aren’t willing to pay any out-of-pocket expenses for health care. Depending on how frequently you need to see a doctor or how often you might owe a copay, Texas Medicare supplement insurance is a good choice. Also, most seniors are not comfortable choosing doctors and providers from a network that may or may not have or continue to have their trusted care giver. Consider your options and always choose a reputable, credible provider like Blue Cross Blue Shield of Texas for your insurance. Get Medicare Supplement insurance and get peace of mind that comes from knowing you’re covered completely. 

For a more detailed comparison of Medicare Advantage plans VS. Medicare Supplement in Texas visit our website.

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How do I Get a Medicare Supplement Quote in Texas?

Posted on by Charles Peeler

Medicare Supplement insurance, also called Medigap insurance, is simply additional insurance that you can rely on for helping you pay for some or all of the out-of-pocket expenses that Medicare doesn’t pay for. In many cases, these costs can become quite expensive and Medicare Supplement makes it possible for you to see your doctor without owing a copay every time you visit. With ten different plans available, each with different benefits and rates, how do you get a Medicare Supplement quote in Texas that’s right for you? Learn how to find a Medicare Supplement quote in Texas and make an informed decision when you decide to purchase. 

Medicare Alone May Not Be Enough

If you’re like most Texans, you’re interested in a Medicare Supplement insurance plan because you understand Medicare alone may not be enough. While it helps significantly, Medicare only covers up to 80 percent of your health care costs, leaving you with out-of-pocket expenses like deductibles, copays and coinsurance. The right Medicare Supplement insurance plan can give you peace of mind in knowing that you’re covered and you can get the medical attention you need when you need it without having to worry about extra expenses.

Decide Which Plan Works Best For You

There are ten Medicare Supplement plans available, each with different combinations of coverage. Before getting a Medicare Supplement quote in Texas and comparing prices, you should have a clear idea as to the type of coverage you want. In other words, while all Medicare Supplement plans pay your Part A deductible and Part B coinsurance, some pay for foreign emergency care and even excess charges. In Texas, Plan F is the most popular because it completely eliminates all out-of-pocket expenses. That means you never have to pay deductible, copay or coinsurance for Medicare approved services.

Choose Reputable, Reliable Providers

Most people in Texas don’t know that all the Medicare Supplement plans available in the state are standardized. This means that regardless of who sells it, a Plan F from one company must provide the exact same benefits as a Plan F from another company. While this is great news for comparison shopping, it makes it even more important to stay with trusted names that you know will provide credible, dependable coverage. While all insurance companies must offer the same coverage, they are not the same in terms of reliability and dependability. Choose well-known, established companies like Blue Cross Blue Shield of Texas or United Health Care who have earned the respect and trust of Texans through years of dependable coverage.

Consider Using Online Resources

The most convenient way to get a Medicare Supplement quote in Texas is to use the online resources that are available. Perfect for comparing rates and coverage, the internet provides a great resource. However, be careful when looking for Medicare Supplement insurance online. Remember, there is a lot of information online and much of t is designed to confuse you. Protect yourself by choosing an agent or a company that is licensed, trusted and recommended by someone you know or trust. Online can save you a lot of time and energy as long as you are a smart shopper and protect yourself. Remember, in Texas, you can return a policy for any reason within 30 days and receive a full refund.

Finding a dependable Medicare Supplement quote in Texas is easy as long as you decide which plan and coverage you need ahead of time, choose reputable providers that you know and trust and protect yourself when accessing information online. If you follow these tips, you should be able to get a Medicare Supplement quote in Texas easily.

For more information or to use our free tool to get a quote visit our Texas Medicare supplement website.

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Will my Doctor Take Medicare Supplement Insurance in Texas?

Posted on by Charles Peeler

Now that you’re 65, you’re eligible for Medicare in Texas. That’s helpful, but you’re really interested in learning more about Medicare Supplement insurance. You know that it can help pay for health care expenses that Medicare doesn’t but you’re a little unclear as to how it will work for you. While it sounds like a great health care strategy, you’re not sure if your current doctor will take Medicare Supplement. Take the time to learn about your health care options and make an informed decision when and if you decide that Medicare Supplement insurance in Texas is the right choice for you.

Texas Medicare Supplement Insurance: What You Need to Know

In Texas, Medicare supplement insurance is available to help pay for health care expenses that Original Medicare doesn’t pay like deductibles, copay even coinsurance. While you may already know that you want Medicare Supplement insurance, there are a few things you may not know.

Keeping Your Doctor

Doctors are not required to work with Medicare. While most do, some may not. Basically, when a doctor agrees to work with Medicare, they have agreed to accept what is called an “assignment”. This means that they are required to take all Medicare Supplement insurance offered and will limit their fee to the Medicare-approved amount for a service or supply, although you must still pay any deductibles, coinsurance, and copayments due.

Doctors who have not accepted assignment may still accept Medicare, but can charge more than the Medicare-approved amount for the same services. If your doctor does not accept Medicare assignment, you are responsible for the excess charges and will most likely end up paying more money out-of-pocket.

Plan F and Plan G as a Solution

Luckily, there is a solution. Medicare Supplement insurance Plan F and Plan G give you the freedom to see any health care provider you choose, even if he or she does not accept Medicare assignment.  If there is an excess charge, Plan F and Plan G cover it completely. In Texas, Plan F is the most popular because not only does it cover the excess charges, but also, it completely eliminates all deductibles, copays and even coinsurance. For Texans, Plan F is by far the plan that creates the greatest peace of mind.

How to Find out if Your Doctor Accepts Medicare

Medicare maintains a directory of providers and suppliers that work with Medicare. The directory lists physicians and other providers who accept assignment on Medicare claims. For a list of providers who accept assignment in your area, call Medicare or visit their website.

1-800-Medicare (1-800-633-4227) 
 

Remember, the more you know about Medicare Supplement insurance, the better off you will be when it comes time to purchasing. Find out if your doctor accepts Medicare and select coverage that will protect you in the event you are required to pay more. Choose dependable providers like Blue Cross Blue Shield of Texas and rest assured that your Medicare Supplement insurance in Texas is serving you well.

For more information on Medicare Supplement Insurance in Texas or to obtain an instant quote from the top companies visit our Texas Medicare Insurance website.

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2012 Medicare Deductibles and Premium Amounts

Posted on by Charles Peeler

I got notice of this last week but with the annual enrollment period I have been tied up in the office assisting seniors. The government released the 2012 deductible and premium changes for folks on Medicare, here you go:

Part A Deductible: $1,156
Part B Deductible: $140

The Part A deductible is an increase of $24 from 2011 numbers. Not bad.. but here is the strange one, the Part B deductible went DOWN from 2011 by $22. Don’t know why?

Medicare premiums for 2012 changed as well. The standard Part B premium will be $99.90 a month, a $15.50 decrease over 2011 premium of $115.40. However, most Medicare beneficiaries were held harmless in 2011 and paid $96.40 per month. The 2012 premium represents a $3.50 increase for those folks.

Like always, higher income beneficiaries will pay more based on the income-related monthly adjustment amount (IRMAA).

Overall I’m happy with the numbers and happy to see that seniors didn’t get hammered with both increased Part B premiums and higher deductibles.

For additional information on Texas Medicare Supplement plans visit our website.

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Baby Boomers are Now Finding the Lowest Rates Online for Texas Medicare Supplement Insurance

Posted on by Charles Peeler

Between 1945 and 1964, there were seventy-six million American children born. We are the baby boomers, the fiery, free spirited ones that do as we please simply because we can. While we may have traded in our tie-dyes for handkerchiefs, we haven’t lost that spirit, that perseverance that pushes us to lead the world in ideas and innovation.

Now as we enter our golden years, we still have that spark, that innate ability to get things done quickly, efficiently and with the least amount of stress.

Finding and securing dependable Health insurance is no different. Many of us are 65 and are enrolled or about to be eligible for Medicare. And while Texas Medicare covers a significant portion of our health care, it doesn’t cover it all. We know that to get the health coverage that we expect, we need Medicare Supplement Insurance.

Finding Medicare Supplement Insuranc 

Years ago, if you were interested in learning about your health insurance options, you called several agencies by phone and scheduled appointments to meet with agents. You were faced with spending valuable time and energy at your kitchen table discussing your options. In other cases, you traveled to and from independent insurance agencies, meeting with a variety of different sales agents. Luckily, finding and securing dependable, reliable Texas Medicare Supplement insurance is no longer a difficult task.

Get Accurate, Reliable Quotes from Major Carriers with the Click of a Button

These days, almost anything can be accomplished easier, faster and with less aggravation online. For many of us, this was a tough transition, but now that we’ve embraced change, we wouldn’t want it any other way. In fact, finding the lowest rates online for Texas Medicare Supplement insurance is a perfect example of how the internet has made life a little easier.

It’s so easy to get accurate, reliable quotes for Texas Medigap insurance online. In fact, websites run by independent agents provide quotes from major carriers instantly with the click of a button. There’s no risk because all insurance providers, even those online selling Texas Medicare Supplement insurance are regulated by the Texas Department of Insurance. There’s no risk and it’s super simple. Apply online from the convenience of your own home and spend your time doing the things you love, not searching through insurance brochures.

If you are looking for the lowest rates online for Texas Medigap insurance, don’t waste your time. Consider using the internet to find accurate, reliable quotes from providers you know and trust like Blue Cross Blue Shield of Texas, Gerber Life and Humana. After all, we baby boomers need to stick together. Let’s get the health care choices we deserve. 

For more information on finding the lowest rates online for Texas Medicare Supplement Insurance visit our Texas Medigap Insurance website.

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Texas Medicare Part D Prescription Drug Plan: In’s and Out’s

Posted on by Charles Peeler

In Texas, there are only two ways to get Medicare drug coverage- through a Medicare Prescription Drug Plan (PDP) or through a Texas Medicare Advantage Plan. Medicare Prescription Drug Plans, or Part D, are offered to everyone with Medicare and sold through private insurance companies. Basically, Part D is prescription drug coverage that is added to your Original Medicare. Understanding these plans can be a bit tricky and many Texans just like you are confused as to eligibility, enrollment, costs and coverage. Take the time to learn a few in’s and out’s of Texas Medicare Part D and make the right decisions concerning your health care coverage.

Eligibility and Enrollment

To be eligible for a Medicare Part D drug plan, you must live in the area that your network serves and you must be enrolled in Original Medicare. The best time to enroll in a Medicare Part D plan is when you are first eligible. You can join anytime during the 7 month period of time beginning three months before the month you turn 65 and ending three months after you turn 65. If you choose not to enroll in Part D when you are first eligible and decide to enroll later, you will most likely be charged a late enrollment penalty.

“Open enrollment” is different from your 7 month eligibility period. It is the specific timeframe when everyone else can join, switch or drop a Medicare Drug Plan. For 2011, the open enrollment period is October 15 through December 7. During this time only, anyone can make changes to their Medicare drug plan. The end date of December 7 ensures that any changes made will take effect by January 1st. It’s important to remember that the open enrollment period is not the same as when you are first eligible.

If you are disabled, you can join a Medicare drug plan starting three months before your 25th month of disability and ending three months after your 25th month of disability. However, if you currently receive extra help, you may join, switch or drop a Medicare drug plan anytime. There are also special enrollment periods that take into consideration if you live in a nursing home, move out of the coverage area or lose other credible prescription drug coverage.

Costs and Coverage

With any Medicare Prescription Drug Plan, you can expect to pay a monthly premium as well as other out-of- pocket expenses including deductibles, copayments and coinsurance. In some cases, if you enrolled late, you may have to pay a late enrollment penalty. However, the actual cost for a drug plan varies and is based on several factors including the plan you choose, whether or not you use a pharmacy in the plan’s network, the specific drugs you use and if your plan covers them.

While prices vary considerably between insurers, coverage does as well and each plan has a list of the specific drugs that they cover. This list is called a formulary and it is why it is so important to make certain that your provider covers the drugs that you need.

Cost is a definitely a factor to consider when comparing drug plans between insurance companies. However, it’s not the only factor as dependability and reliability are important as well. When choosing your insurance provider, choose trustworthy companies that have earned a reputation with Texans for providing credible, dependable Part D coverage for decades.

For more information on Texas Medicare Part D prescription drug plans visit our Texas Medicare Supplement website.

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Do Medicare Advantage Plans in Texas Offer Better Coverage Than Medigap Plans?

Posted on by Charles Peeler

As a federal health insurance program available to Texans, Medicare is helpful for covering a large portion of medical expenses. However, it wasn’t designed to pay for all of your health care costs.  As a result, many Texans are finding that they need to purchase additional insurance to supplement Medicare. There are two types of plans available that provide additional benefits to Original Medicare- a Medicare Advantage plan and a Medigap plan. Learning the difference between the two can help you decide which type of plan will provide you with the most appropriate health care coverage. 

Medicare Advantage

A Medicare Advantage plan, also known as Part C of Medicare, is offered through private insurance companies. Basically, you receive Part A, Part B and Part D (Prescription Drug Coverage). Therefore, you must be enrolled in both Medicare parts A and B and live in an area where there is a plan available to enroll in Medicare Advantage.  While every company offering a Medicare Advantage plan must follow specific rules set by Medicare, there are different out-of-pocket costs and different rules as to how you receive services. Medicare Advantage plans are available as Preferred Provider Organization (PPO) plans, Health Maintenance Organization (HMO) plans, Medical Savings Account (MSA) plans and even Special Needs Plans (SNP).

Coverage

A Medicare Advantage plan provides all of the services that Original Medicare must offer except hospice care and always includes emergency and urgent care. You receive your Medicare benefits directly through your Medicare Advantage plan, including all of Part A, Part B, Part D (Prescription Drug Coverage) and sometimes additional benefits not covered by Original Medicare like vision or dental. With every Medicare Advantage plan, you pay one monthly premium for all of your services. Out-of-pocket expenses are different from plan to plan and based on a variety of things including if your Part B premium is paid, whether you have a deductible, how much your copayments or coinsurance is etc.

Things to Consider

You should know that you can only join a Medicare Advantage plan at certain times throughout the year and generally, you are enrolled in a plan for a year. In addition, you must follow the plan’s rules. For example, some plans require that you have a referral to see a specialist, others do not. Many Medicare Advantage plans require that you use certain networks of doctors. Unfortunately, choice is sometimes limited. In fact, Tyler, Wichita Falls or Athens may have fewer choices if any at all when selecting doctors. Be cautious.  In many cases, if you use a doctor who is not part of the plan, you’re services may not be covered.

Medicare Supplement Insurance

Medicare Supplement insurance, also called “Medigap” insurance, is health insurance sold through a private insurance company to supplement Original Medicare. In other words, a Medigap plan does not provide your Medicare benefits, but provides additional coverage.  You still receive Part A and Part B through Medicare and pay your Part B premium. Medigap insurance is designed to help you with the “gaps” in coverage that Original Medicare doesn’t pay for like deductibles, copays and coinsurance. Typically, monthly premiums are higher for Medigap plans than for Medicare Advantage, but with some plans no out-of-pocket expenses, this may be a better option in the long run.

Coverage

In Texas, there are 10 Medigap plans available for purchase, each with different combinations of coverage. Some plans cover a portion of your out-of pocket expenses, like your Part B deductible and nothing else.  Some cover all of your out-of-pocket expenses, like Plan F, which is the most popular Medigap plan in Texas. Plan F completely eliminates your deductible, copays and coinsurance. However, Medigap plans do not include prescription drug coverage and you will have to consider a Medicare Part D Prescription Drug Plan separately. Remember, unlike a Medicare Advantage plan, with Medigap insurance, you can see any doctor you choose and there is never a referral needed to see a specialist. Also, any treatment approved by Medicare would be covered on a Medigap plan. There is no need to worry if the plan will approve the treatment.

Deciding between a Medigap plan and a Medicare Advantage plan can be a bit confusing. While Medicare advantage typically offers lower premiums than Medigap insurance and sometimes includes prescription drug coverage, you are generally limited to using doctors within a network and still have to pay out-of-pocket expenses. With a Medigap Plan F, all of your out-of pocket expenses are completely eliminated, but you will need to add prescription drug coverage separately.

Choose wisely when selecting your health insurance. Remember, price is not the only difference between private insurers. Choose only reliable, dependable companies like Blue Cross Blue Shield of Texas or United of Omaha and get not only reliable health care coverage you can depend on, but also, the peace of mind that comes from knowing you are insured by a company that has earned the trust and respect of Texans.

Now the picture is a little clearer why not take a look at the available Texas Medigap Plans or take a look at quotes at our Texas Medicare Supplement Insurance website.

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Can Someone Under 65 Get a Medigap Plan in Texas?

Posted on by Charles Peeler

If you are under the age of 65, you may already have Medicare because you are disabled or have End Stage Renal Disease (ERD). In this case, you may be wondering if you are eligible to purchase a Medigap plan in Texas. You already know that Medigap insurance is only available to those who are 65 or older. However, because you are enrolled in Medicare early, you may be eligible to purchase Medigap insurance as well. Take the time to familiarize yourself about the eligibility requirements for Medigap insurance in Texas and make the most informed decisions regarding your health care coverage.

Medicare and Medigap Insurance

Medicare is federally funded health insurance available to most people 65 or older and those under 65 with certain disabilities or ERD. It is designed to help pay for a portion of health care costs and as a result, does not pay for it all. In many cases, people on Medicare purchase a Medigap policy to supplement original Medicare.

Medigap insurance, also called Medicare Supplement insurance, is sold by private insurance companies to fill the “gaps” in Original Medicare. Medigap insurance is useful for helping to pay out-of-pocket expenses that original Medicare doesn’t pay like deductibles, copayments and coinsurance. Generally, to be eligible to purchase a Medigap policy, you must be 65 and enrolled in both Parts A and B of Medicare. However, there are some exceptions.

If You are Under 65

Federal law does not require insurance companies to sell Medigap plans to people under the age of 65. In fact, even if you have a legitimate disability and are enrolled in Medicare, you might not be able to buy the Medigap policy you want until you turn 65. Some states do not offer Medigap plans at all to those under 65.  In Texas however, insurance companies are required by law to offer at least one kind of Medigap policy for people with Medicare under 65.

While there are 10 Medigap plans to choose from, private insurers in Texas are required to offer Plan A only, meaning that they do not have to offer the other 9 plans.

Open Enrollment and Guaranteed Issue Rights

If you are under the age of 65 and receive Medicare as a result of a disability or ERD, you have a six month open enrollment period which begins the day you enroll in Medicare Part B. However, this open enrollment right only applies to Plan A. Additionally, you may be able to purchase a Medigap plan outside of your open enrollment period, through a Guaranteed Issue Right. If you lose certain types of health coverage, and can prove so with documentation, you will be able to purchase Plan A. Remember, your guaranteed Issue Right is only available for 63 days beginning on the date you received notice or from the actual last day of coverage. Fortunately, insurance companies cannot place restrictions on these policies like waiting periods for pre-existing conditions or exclusions.

Remember, simply because insurance companies in Texas are required to offer Plan A only does not mean that they won’t offer some or all of the remaining 9 plans available in Texas however we no of nothing other than A being offered. Make certain to check with your insurance provider and choose only reliable, dependable insurance companies when purchasing Medigap insurance in Texas. Stay with a provider that Texans just like you have come to know and trust like United of Omaha and rest assured that your health care coverage is in good hands.

If you are on early age Medicare due to a disability and think it might be wise to get a Under 65 Medigap plan in Texas visit our website offering Texas Medicare Supplement Insurance to check rates in your area.

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When Can I Purchase a Texas Medicare Supplement?

Posted on by Charles Peeler

In Texas, there are ten Medicare Supplement plans made available for purchase. However, even if you’ve done the research and decided ahead of time which plan works best for you, there are very specific times when you are allowed to buy without going through medical underwriting. The entire state of Texas must follow the same guidelines, so whether you’re in Austin or Tyler, the best time to buy a Medicare Supplement plan is during your initial open enrollment period when you can purchase any policy offered in the state. However, even if you’re not in your open enrollment period you can generally purchase a supplement policy but underwriting could apply. Take a minute to familiarize yourself about your rights and make an informed decision when and if you are ready to buy a Medicare Supplement plan in Texas.

Open Enrollment

For most people, there is a one-time only, six-month period during which you may buy a Medicare Supplement plan. During this period, insurance companies are required to sell you a Medicare Supplement plan –even if you are currently experiencing health problems. However, you must have Medicare Part A & B to buy any Medicare Supplement Plan.

Open enrollment begins on the first day of the month you turn 65 and are enrolled in Medicare Part B. However, you may use your open enrollment more than once in the six month period. For instance, if you purchased a Medicare Supplement plan in San Angelo and then decided to cancel it and purchase another, the new insurance company must sell to you. Remember, while they cannot deny you the policy, you still must have Part A & B to purchase a Medicare Supplement plan. Nevertheless, if you choose to wait several years to purchase Medicare Part B, you still have the rights to an open enrollment period and your six month period begins when you enroll in Part B.

Guaranteed Issue Right

There are some times when you may be able to purchase a Texas Medicare Supplement plan outside of your open enrollment period. Basically, there are “Guaranteed Issue Rights”, also called “Medigap Protections” that apply to Medicare Supplement plans A, B, C, F, K, and L. Unlike with an open enrollment period, there are no restrictions with pre-existing conditions.

You’re guaranteed issue right allows you to purchase Medicare Supplement insurance in certain situations. For instance, if you lose your health care coverage, if you have a Medicare Select policy and you move out of the policy’s service area or if your Medigap policy coverage ends through no fault of your own. In most cases, your guaranteed issue right lasts for 63 days from the date your coverage ends or in some cases, from the date you receive notice that your coverage will be ending.

If you Know you are Losing Your Health Care Coverage

If you know that you will be losing your health care coverage, plan accordingly by keeping good records and shopping wisely for new coverage. In other words, save any and all correspondence including letters, emails or claim denials with your name on them. These papers will serve as proof that your insurance is going to be terminated. In addition, keep the postmarked envelopes as proof of the date when you received notice. When looking for new coverage, shop wisely.  Compare prices and always stay with dependable insurance companies like United of Omaha or Blue Cross Blue Shield of Texas.

While the best time to buy Medigap insurance in Texas is during your open enrollment period, there are other situations where you have a guaranteed issue right. Whether you have Medicare Select insurance in Austin and know that you are moving out of your policy’s coverage area, or your Medigap coverage is ending through no fault of your own, Texas insurance companies must sell you Medicare Supplement Insurance. Protect yourself by saving all documentation from your insurance provider and when you are ready to purchase, choose only reputable, dependable companies like Blue Cross Blue Shield of Texas or United of Omaha for your Medicare supplement insurance.

For more information on Texas Medicare Eligibility and Enrollment visit our Texas Medicare Supplement website.

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Am I required to Purchase Texas Medigap Insurance?

Posted on by Charles Peeler

As a Texan, securing dependable health coverage is important to you. You know that at age 65 you’re eligible for Medicare or you may already be enrolled. Either way, Medicare pays for a significant portion of your medical expenses, but it does not pay for it all.

While you’re not required by law to purchase Texas Medigap insurance, without additional coverage, you may end up paying a lot in out-of-pocket expenses like deductibles, copayments, even coinsurance. Take some time to learn about Texas Medigap Insurance and make informed decisions about your health care coverage.

What Exactly is Medigap Insurance?

Medigap Insurance, also called Medicare Supplement insurance, is insurance that you purchase from private insurance companies to help supplement your Texas Medicare. In other words, Medicare pays for a lot of your health care costs, but is doesn’t pay for everything. The “gaps” in coverage are still your responsibility and deductibles, coinsurance and even copayments can be costly.  A Texas Medigap policy can help you pay for these out -of-pocket expenses and give you peace of mind in knowing that whenever you need medical attention, you can get it easily.

Why Would I Need Medigap Insurance?

As a Texan 65 or older, you are automatically enrolled in Medicare Part A (hospital coverage) and most are auto enrolled in Part B (medical coverage). In most cases, Medicare pays 80% of the approved cost of covered medical expenses. However, there are monthly premiums that you are responsible for, along with deductibles, copayments and coinsurance. Plus, you are responsible for paying the full cost of services that are not covered by Medicare. In addition, even if Medicare pays for a particular service, certain doctors are allowed to charge more than Medicare will pay. In other words, you are left paying an excess charge.

Choosing a Medigap Plan

You do have the option to purchase a Texas Medigap policy, although you are not required. However, because there are significant gaps in coverage that Medicare doesn’t pay for, many Texans find it helpful. In Texas, there are ten Medigap plans to choose from, each offering different combinations of benefits.  Plans are designated by letters of the alphabet (A through N) and are standardized by the federal government. Basically, that means that a Plan F offered by one insurance company must provide the same coverage as a Plan F offered by another company. Be careful when selecting your Medigap policy. Remember, while insurance companies must offer the same coverage, they vary considerably in terms of cost, reputation and dependability. Make sure to stay with credible, reliable providers like Blue Cross Blue Shield of Texas and United of Omaha- reputable companies that Texans just like you have come to trust.

You Do Not Need Medigap Insurance if…

Medigap insurance is the right choice for many Texans. Nevertheless, there are some situations where you may not need to purchase additional insurance because you are already covered through another policy. You do not need Texas Medigap insurance if you currently have group insurance through an employer or former employer- this includes government and military retiree plans; if you have a Medicare Advantage plan; if you have Medicaid or the Qualified Medicare Beneficiary Program (QMB) pays your Medicare premiums and out-of-pocket expenses. In all of these cases, the gaps in Medicare are covered by insurance and a Medigap policy is not necessary.

You are not required by Texas law to purchase Medigap Insurance. However, considering that Original Medicare only covers a portion of your health care needs, it may be wise to consider a Medigap plan. There are several providers to choose from when selecting your Medigap policy. Look for reliable, dependable providers you can trust like Blue Cross Blue Shield of Texas or United of Omaha.

To find out if Texas Medigap Insurance is the right fit for you and your budget you can visit out Texas Medicare Supplement website and run instant quotes from several companies.

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What are the Basic Benefits of a Medigap Plan D in Texas?

Posted on by Charles Peeler

Medigap, or Medicare Supplement insurance, helps to pay for some of the gaps in coverage not paid by Medicare.  These out-of-pocket expenses like deductibles, coinsurance and copayments can add up fast and Medigap insurance can help. In Texas, there are ten Medigap plans, each with different combinations of benefits. You may have already decided that plan D is the best choice for you, but you’re not completely sure.

Remember, while Medigap plans are sold by private insurance companies, the specific benefits are set by the federal government and every Medigap policy must contain at least a minimum level of basic benefits. Take the time to review these benefits and the additional coverage offered through plan D to help you decide if this is the best plan for you.

Basic Benefits

Every single Medigap policy in Texas must provide the same basic benefits. Whether you choose plan D or plan F, the following benefits will be part of your Medigap coverage.

Hospitalization

Hospitalization costs are covered as part of basic benefits. More specifically, daily copayments for all hospitalization costs from the 61st through the 90th day of the Medicare benefit period, Medicare Part A copayments for time after the 90th day and the entire Medicare Part A coinsurance including  365 extra days after Medicare benefits end.

Medical Expenses

As for Part B coinsurance, all Medigap plans offered in Texas pay for your portion of the 20 percent Part B coinsurance for Medicare. Generally, this includes doctor bills, hospital and home health care. Of course, these benefits will only begin after you have met your Part B deductible. Texas Medigap insurance also pays the coinsurance for out-patient drugs and inpatient respite care as long as you meet Medicare’s requirements, including a doctor’s certification of terminal illness. In addition, the first three pints of blood each year under Medicare parts A and B are covered under Texas Medigap basic benefits.

Plan D

In addition to the basic benefits, Plan D offers additional coverage. The entire Part A deductible is covered, as well as any copayments for skilled nursing facility care from the 21st day through the 100th day in a benefit period for post-hospital skilled nursing facility care eligible under Medicare Part A. 

Foreign Travel Emergency Care

Plan D also pays for foreign travel emergency care, so if you are out of the country and need medical care, you are covered. More specifically, plan D pays 80 percent of the billed charges for foreign emergency care- as long as Medicare would have covered the expenses had they occurred in the United States. Also, covered care must begin during the first 60 days outside the United States. The calendar year deductible is $250 and the lifetime maximum benefit is $50,000.

Choose Only Dependable, Reliable Insurance Providers

All Texas Medigap policies are guaranteed renewable regardless of who sells them. This means that regardless of your health, an insurance company cannot refuse to renew your policy unless you fail to pay your premium. Nevertheless, be choosy when deciding between insurance providers. The benefits provided for every Medigap Plan D offered in the state may be the same, but the insurance providers are not.  Always choose credible, reliable companies who have earned the trust of Texans. Remember, policies are guaranteed renewable but the amount of the premium is not. Trust Blue Cross Blue Shield of Texas or United of Omaha and make certain that your Medigap plan D will be there when you need it most.

Now that you know some of the benefits of a Medigap Plan D in Texas take a look at rates from our Texas Medicare Supplement website. We have been representing quality insurance products since 1993 working with names you know and trust like Blue Cross Blue Shield of Texas, United of Omaha, Aetna and many more.

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Mutual of Omaha Controls the Wild Kingdom of Texas Medicare Supplement Insurance

Posted on by Charles Peeler

Mutual of Omaha? Yes, we all remember the Wild Kingdom for bringing us some of the most exotic and beautiful animals on the planet. The trusted source for everything animal. Now the same can be said for Mutual of Omaha Texas Medicare Supplement insurance. In fact, as a trusted source for Health coverage, you can rest assured that the same dependability and reliability that you enjoyed for years on television is now helping you with health care costs.

What is Medicare Supplement Insurance?

If you’re 65, you’re probably already familiar with Medicare and unfortunately, its limitations. While it helps pay for a significant portion of medical, it doesn’t pay for it all, leaving you with quite a few out-of-pocket expenses. That’s why many people in Texas purchase Medicare Supplement insurance to help pay for those expenses not covered by Medicare like deductibles, copayments and even coinsurance. Having Medicare Supplement insurance, or “Medigap” as its sometimes called, helps make dependable health care coverage affordable.

Choosing Texas Medicare Supplement Insurance

In Texas, there are ten Medigap plans to choose from, each identified by a different letter of the alphabet and each with different combinations of benefits. All Medigap plans are standardized, meaning that regardless of who sells it, all plans with the same letter must offer the same benefits. In other words, a Plan F sold through one company must provide the same benefits as a Plan F sold by another company. This is great news for you, making it much easier to compare plans between companies. In fact, in many cases, the only real difference between companies is price, dependability and name recognition.

In Texas, choosing the right Medicare supplement insurance is really about reviewing each plan and deciding which benefits you need and what price you can afford. For most Texans, Plan F is the most popular because it completely eliminates all out-of-pocket expenses, giving you peace of mind in knowing that your health care costs are covered.

The Mutual of Omaha Difference

There are significant differences among private insurance companies, making it even more important that you chose only reliable, dependable providers when purchasing Medicare supplement insurance in Texas. As for how to choose a Medigap provider, some of the lowest in the state are offered through Mutual of Omaha companies. In fact, in addition to having great rates, they offer convenience with electronic claims processing which eliminates the hassle of paperwork and it’s easy to apply with an agent online. In terms of dependability, United of Omaha, the company Mutual uses in Texas, consistently rates in the top tier for financial strength and ability to meet obligations to policyholders as judged by Standard & Poor’s and Moody’s Investors Service. Serving Texans for over 80 years, United of Omaha delivers dependable, reliable Medicare Supplement insurance at a price you can afford.

Whether you live in San Antonio or Houston, choosing Texas Medicare Supplement insurance should be easy as long as you know what you are looking for. Consider Mutual of Omaha for your Medigap insurance as they offer some of the lowest rates in the state and have a proven track record for dependability that Texans trust.

For more information or to obtain a United of Omaha Texas Medicare Supplement quote visit our Texas Medicare Supplement website. 

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What Texas Medigap Insurance Policies are Available?

Posted on by Charles Peeler

If you are 65, or about to turn 65, you’re probably already familiar with Medicare. Medicare is a federal health care plan designed to help people 65 and older pay for some of their health care costs. It was not designed to pay for all medical expenses and as a result, many people turn to Medicare supplement insurance or “Medigap” insurance to help pay for some of the costs that Medicare doesn’t pay for like deductibles, coinsurance and copayments.

Choosing a Medigap insurance policy can be confusing. Even if you have a reputable insurance provider, like United of Omaha, there are still several different plans to choose from, each with different benefits and costs. What Texas Medigap insurance policies are available and how do you know which one to choose? Take the time to learn a little about the available plans and make an informed decision when you are ready to purchase Medigap insurance in Texas.

Available Plans

In Texas, there are 10 Medigap insurance plans available, each designated by a different letter of the alphabet. By law, all Medicare supplement plans are standardized, meaning that a Plan F sold by United of Omaha for instance, must provide the same basic benefits as a Plan F from another company. Each plan has different coverage and costs. There is a high deductible option also available on the F Plan for pairing with health savings accounts and cost sharing options that help to reduce premium amounts.

Every Texas Medigap insurance policy offered includes the same basic benefits. This includes your entire coinsurance for Part B, three pints of blood, hospice coinsurance for outpatient drugs and inpatient respite care, all hospital charges up to 365 extra days past Medicare benefits, all copayment for hospitalization from the 61st day to the 90th day of any Medicare benefit period and Part A copayment for hospitalization beyond 90 days.

Some plans offer even more benefits. For instance, Plans B, C, D, F, G and N also pay your entire Part A deductible. Plans C and F pay the entire Part B deductible. Plans C, D, F, G, K, L, M and N pay for skilled nursing facility care, while Plans F and G pay for Medicare Part B excess doctor charges. C, D, F and G pay for foreign travel emergency care and Plan F also has the high deductible option available.

With an average monthly premium of somewhere around $120 a month for someone turning 65, the majority of Texans choose Plan F because it offers the most coverage, completely eliminating all deductibles, coinsurance and copayments. Texans who choose Plan F have peace of mind knowing that whatever comes their way, they are covered both medically and financially.

Medicare Select

Medicare Select is a type of Medicare supplement policy where it is possible to secure lower premiums by agreeing to use doctors and hospitals within the plan’s network. For instance, if you live in Harris County, you would need to see a doctor in the immediate area who is part of the plan’s network of providers. However, you are still able to choose your own doctor or specialist, as long as he or she is in the network. With a Medicare Select option, if you choose to use an out of network provider, you will have to pay more of the cost. Nevertheless, if you leave a Medicare Select option, insurance companies are required by law to offer you another Medicare supplement plan with comparable benefits.

Choosing a Texas Medigap insurance policy is easy as long as you understand a little about the available plans and how they work. While there are several insurance companies to choose from, make certain to purchase your Medigap insurance  from a dependable, reliable provider like United of Omaha and rest assured that you are securing the best coverage to suit your needs as well as your budget.

For more information on Texas Medigap Insurance policies or to see monthly rates in your area visit out Texas Medicare supplement insurance website .

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Are Texas Medigap Insurance Plans the Same as Medicare Supplements?

Posted on by Charles Peeler

You’re not alone if you’re having difficulty understanding the various terms related to your health care coverage.  Medicare, Medigap, Medicare supplement- there’s a term for this and a term for that. Where do you begin?  Most people have no idea what these words mean and more importantly, how they affect their health care coverage.  

You don’t have to be out in the dark. Take the time to read a little about Texas Medigap insurance and within a few minutes time, be better prepared to make health care choices that are right for you.

What is a Medigap Insurance Plan? 

A Medigap policy (also called Medicare Supplement Insurance) is private health insurance created to supplement Original Medicare. Basically, it’s insurance that helps pay for some of the “gaps” in coverage that Medicare doesn’t pay for. These gaps can include deductibles, coinsurance and copayments. If you purchase a Medigap insurance policy, when you seek medical care, Medicare will pay for its portion of covered costs and then your Medigap policy will pay for its covered portion. With all Medigap insurance you have the freedom to choose your own doctor and specialists.

A Medigap policy is different from a Medicare Advantage plan because Medigap only supplements Original Medicare, while a Medicare Advantage plan actually provides Medicare benefits. By law, all Medigap policies are standardized and designated by the letters A through N. Standardized means that a Plan F offered by one insurance company must provide the same basic benefits as a Plan F offered by another company. This makes comparing Medigap policies easy as the real differences between insurance companies is seen through cost, reputation, quality of service and dependability.

Medicare Select

Medicare Select is a type of Medicare supplement insurance that offers reduced premiums in exchange for choosing doctors and providers from the plan’s network. With Medicare select, you still have the freedom to choose your own doctor or hospital as long as they are included in the network.

Choosing a Texas Medigap Insurance Plan 

In Texas, there are 10 Medigap Plans available, each with different levels of coverage and premium amounts. While all plans offer the same basic benefits, there are sharp differences between plans in terms of additional coverage and even foreign travel. Plan F is by far the most popular plan among seniors in Texas because it completely eliminates all out-of-pocket expenses, meaning no deductibles, coinsurance or copayments. Texans who choose plan F have peace of mind in knowing that they are covered both medically and financially. 

You must have Medicare Parts A and B to purchase a Texas Medigap policy. However, once you buy it, your policy is guaranteed renewable, meaning that your insurance company cannot cancel your policy even if you have health problems as long as you pay the premium as agreed. Remember, you will owe a monthly premium for both your Medigap policy as well as the Part B premium you pay to Medicare.

You can purchase a Medigap policy from any private insurer in the state that sells these plans, however be smart when you choose your provider and always look for well-known credible companies. Blue Cross Blue Shield of Texas has been providing Medicare supplement insurance to Texans just like you for over 65 years. They have worked hard to earn a reputation for dependability and reliability that Texans have come to trust.

Learning a little about Texas Medigap Insurance will help you understand your health care coverage better. Once you are familiar with the terms and a little about what they mean, you will be better prepared to make informed decisions when it comes to your health care coverage.

For more information or t obtain a free, instant Blue Cross Blue Shield of Texas Medicare supplement quote or prices and information from other Texas Medigap Insurance Plans please visit our website.

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After a Rate Increase Can I Change Texas Medicare Supplement Insurance plans?

Posted on by Charles Peeler

Medicare supplement insurance helps take some of the financial burden off your shoulders for your health care costs. It is an important part of your health care strategy and you don’t want to risk going without it. However, if your Medicare supplement insurance plan has issued a rate increase, you may be interested in changing plans. Learning a little about your rights and responsibilities will help you when and if you decide to change Texas Medicare supplement insurance.

Standardized Coverage

All Medicare supplement insurance is standardized, meaning that a Plan F from Blue Cross Blue Shield of Texas must offer the same basic benefits as a Plan F from United Health Care. Regardless of which provider you choose, you can buy a Medicare supplement insurance plan to help pay for some of the health care costs that Medicare doesn’t pay. Basically, out-of-pocket expenses like deductibles, coinsurance, and copayments can be covered with a Medigap policy.  

Guaranteed Renewability does not Mean Guaranteed Premium Rate

In Texas, Medicare supplement insurance plans are sold by private insurance companies that are licensed and regulated by the Texas Department of Insurance (TDI). All of these policies are automatically renewed each year. This means that a company cannot cancel your policy or refuse to renew it unless you made intentional false statements on your application or you failed to pay your premium. However, your premium is not guaranteed and your insurance company can raise your premium every year. Rate increases have nothing to do with where you live. Whether you live in Comal County or Dallas County, your premium may go up.

Switching Medicare Supplement Insurance

In most cases, you don’t have the right under federal law to switch Medicare supplement insurance unless you’re within some type of enrollment period or have a guaranteed issue right. However, if you choose to switch policies, make certain to compare benefits and premiums before switching. Particularly if you purchased your Medicare supplement insurance before 2010, as a new plan may not be required to offer the same benefits. Nevertheless, Medicare supplement insurance purchased before 1992 may have bigger premium increases than newer, standardized policies. 

Use your 30-Day “Free Look” and Exercise Caution

Don’t cancel your old insurance until you are certain that you are going to stay with the new insurance. You have thirty days to decide if you’re going to keep the new policy. This is called your 30-day free look. However, keep in mind; you will most likely have to pay both premiums for one month.

If you are switching from Plan F from one company to Plan F from another chances are everything should be fine since they both will deliver the exact same benefits. With this situation there should be no reason to hang on to 2 policies, cancel the old plan upon approval of the new one.

It’s possible to return your Texas Medicare supplement insurance plan within 30 days to get your money back with no questions asked. However, be sure to exercise caution and keep good records. For instance, if you return a policy to United Health Care, use certified mail and hang on to your receipt.  Remember, the 30-day “free look” period doesn’t apply to Medicare Advantage. If you cancel your Medigap policy to join a Medicare Advantage plan, there is always the possibility that you will not be able to get your old policy back.

 

Open Enrollment

Everyone who is enrolled in Medicare is eligible to join a Medicare supplement plan during what is called “initial open enrollment”. Basically, this is the six-month period when every private insurance company must sell you any of the Medicare supplement insurance plans they offer.  Your initial open enrollment begins when you enroll in Part B.

You can use your open enrollment rights more than once during this six-month period. This is useful if you want to change your mind about a particular policy and buy another. Plus, you are still entitled to an open enrollment period even if you wait for several years after you turn 65 to enroll in Medicare Part B.

There are some valid reasons why you may be interested in changing your Texas Medicare supplement insurance plan. You may be paying for benefits you don’t need or maybe you want to change companies. While it is within your right to do so, exercise caution and remember to keep your old Texas Medicare supplement insurance plan until your 30 day free look period ends.

For more information on comparing rates on Texas Medicare Supplement Insurance Plans visit our website on Texas Medicare Supplements  .

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Texas Medicare Supplemental Insurance Protects Retirement Income

Posted on by Charles Peeler

As American’s, we’re living longer than we used to. While this is terrific news for those of us over 65, it may not be for our wallets. Managing your income is always important, regardless of your age. Nevertheless, during retirement it’s even more important as you depend on a reliable stream of income that will last. Taking steps towards protecting it is not only important but prudent– and the best way to ensure an enjoyable retirement.

In Texas, once you reach 65, Medicare pays for a significant amount of your health care costs. Unfortunately, it doesn’t pay for everything. Out-of-pocket expenses like deductibles, copayments and even coinsurance can significantly impact your retirement finances. Luckily, Medicare Supplement insurance can reduce or eliminate these expenses, protecting your retirement income, leaving more of it untouched.

Retirement Income is Limited 

Chances are when you were working full time, your income came from one very reliable source -your job. Now that you are close to retirement or retired already, you’re not alone if you’re considering Social Security as a major contributor to your retirement income. In fact, more than a third of all current workers in the United States expect Social Security to completely fund their retirement. Either way, more than likely, your income is limited. You need to make certain that it is enough to last through your retirement years. This means planning strategically. Finding a health care plan that helps you in this effort is key.

Plan for Health Care Expenses 

It’s very easy to underestimate the amount of money you will need for health care. With the growing costs of prescription drugs and medical care in general, even one unexpected expense could significantly deplete your retirement assets. While Medicare covers many essential health care needs, there are many gaps that will cost you money.

One of the simplest ways to protect your retirement income is to find a solution for ensuring health expenses are covered completely. Medicare Supplement insurance is an option that is available to all Texans enrolled in Medicare. Medicare Supplement insurance pays for the gaps in coverage that Original Medicare doesn’t cover. If you chose the right plan, you can pay less out-of-pocket expenses, protecting  your retirement income.

Choose the Right Medicare Supplement Insurance

The best way to get the right Medicare Supplement insurance is to look at the coverage and out-of pocket expenses that are offered with each plan and compare that to your specific financial situation. In Texas, there are several Medicare Supplement insurance plans available, identified by the letters A through N. For most Texans, Plan F offers the best protection because it completely eliminates all deductibles, copayments and coinsurance as well as paying any excess charges your doctor may charge over the Medicare approved amount. As a proven method for protecting your retirement income, Plan F easily gives you the most peace of mind.

In addition to choosing the best Medicare Plan, make it a point to find coverage through a dependable, reliable health insurance provider. Remember, all Medicare supplement insurance plans are standardized, meaning every insurance company must offer the same coverage. With that in mind, be sure to choose a trustworthy companies like Blue Cross Blue Shield of Texas or United of Omaha who have been providing Medicare Supplement Plans to Texans just like you for years.

Retirement should be a time for relaxing with family and friends, not worrying about health care costs. Take steps to protect your retirement income by choosing Medicare Supplement insurance to help keep out-of-pocket expenses to a minimum. Peace of mind is just a phone call away with your local Blue Cross Blue Shield of Texas representative.

For additional information or to get a no hassle quote on Blue Cross Blue Shield of Texas Medicare supplement plan or quotes from other well known insurance companies visit our Texas Medicare supplemental insurance website.

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I live in a Small Town in Texas, Will a Medicare Supplement Insurance Plan Work?

Posted on by Charles Peeler

You know that once you turn 65, Medicare will pay for a large portion of your essential health care costs and you’re thankful for that. However, you also know that Medicare alone is not enough to pay for all out-of-pocket expenses that you will be left with. Deductibles, copayments, even coinsurance can be expensive. Medicare Supplement insurance is an option that you need to consider seriously, but you’re not sure if it would be worth it considering that you live so far away from most health care providers. If you live in a small town in Texas, will a Medicare supplement insurance plan work?

Medicare “Networks” in Texas

The trick to understanding Medicare Supplement insurance is understanding how Medicare works. In other words, once you learn about the network procedure, you will understand why certain doctors cost more and why it makes more sense to stay local, or in some case, travel to see a particular “in network” physician.

In Texas, if you are enrolled in Medicare, you can visit any doctor you wish as long as they accept Medicare assignment.
Like Medicare, most Medicare Supplement Insurance allows you to see any doctor or provider you wish as long as they accept Medicare. That’s the tricky part, understanding or knowing who does and who doesn’t accept Medicare assignment. If your doctor accepts Medicare assignment, then you’re all set and don’t have to worry. However if your doctor does not, there may be an excess charge that you will have to pay. In the end, it may be more advantageous for you to travel to the nearest doctor who does accept the Medicare approved payment amount(assignment). However, there may be another option.

Plan F and Plan G Pay the Excess Charges

Many Texans just like you live in small towns and don’t want to commute to the city to see a participating doctor. They prefer to stay where they are, where they are comfortable with their own doctor. In many cases, even if your doctor does not accept Medicare assignment, there may be an option for you with Medicare Supplement Insurance.

In Texas, Plan F and Plan G both have an added benefit that pays for 100% of your excess charges, in the event your local doctor does not accept the Medicare approved payment amount. If most of your doctors accept Medicare assignment, then you may not use this benefit, but at least you know it’s there in case you need it.

Blue Cross Blue Shield of Texas offers Plan F with no out-of pocket expenses at all. In fact, most Texans, even those who don’t live in a small town prefer Plan F because it completely eliminates all deductibles, copayments, coinsurnace and pays 100% of any excess charges.

Just like Medicare, Medicare supplement insurance covers your health care needs anywhere in the United States.
Even if you live in small town in Texas, Medicare Supplement insurance will cover the gaps in Original Medicare that cost you money Plan F and Plan G give you the freedom to keep your local doctor without having to pay any excess charges. Contact your local Blue Cross Blue Shield representative and ask them how you can keep your local doctor and still enjoy the benefits of Medicare Supplement insurance in Texas.

For more information or to acquire a free no hassle quote on a Blue Cross Blue Shield of Texas Medicare supplement insurance plan visit our Texas Medicare Supplement website.

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I Just Turned 65, Do I Need Medigap Insurance in Texas?

Posted on by Charles Peeler

Prior to retirement, chances are that you received health insurance through your employer. However, now that you’re 65, you’re eligible for Medicare. Do you need Medigap insurance in Texas? What is it and where do you get it? Understanding Medicare is confusing enough without having to figure out Medigap insurance as well. Nevertheless, you know that taking the time to learn about Medigap insurance will help you make an informed decision if and when you decide to purchase Medigap insurance in Texas.

What is Medigap Insurance?

Medigap insurance, also referred to as Medicare Supplement Insurance, is insurance sold through private insurance companies to help you pay for some of the gaps in Original Medicare coverage. These gaps may include deductibles, copayments, even coinsurance. If you have Original Medicare and you add Medigap insurance, Medicare pays its share and then your Medigap insurance pays its share.

If you have Original Medicare Part A and Part B, you may benefit from Medigap insurance. In fact, some Medigap insurance covers benefits that Original Medicare doesn’t. Plus, all Medigap policies are guaranteed renewable even if you have health problems. Plus, as long as you stay current with your premium, your policy cannot be canceled.

In Texas, there are quite a few Medigap policies available, each offering different coverage and out-of-pocket expenses. However, most Texans choose Plan F as it completely eliminates all deductibles, copayments and coinsurance. This plan also does something extra, pays any excess charges that your doctor may charge over the Medicare approved amount. Plan F gives you the peace of mind in knowing that no matter what, you’re covered and you won’t owe anything extra.

Take Advantage of Your Medigap Open Enrollment Period

Now that you’re 65, the best time to buy a Medigap policy is during your open enrollment period. In Texas, you have a 6 month period which begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. For this period of time only, insurance companies must sell you a Medigap policy for the same price as someone who is healthy even if you have health issues. In most cases, they cannot refuse to sell you a Medigap policy or make you wait for coverage to begin. After your open enrollment period ends, an insurance company can use medical underwriting to decide your case and there is no guarantee that they will even sell you a Medigap policy.

Choosing a Quality Medigap Insurance Provider

There are many choices when it comes to purchasing Medigap Insurance in Texas. Luckily, because of the standardized nature of Medigap policies, it’s easy to compare insurance companies. However, cost is only one variable to consider. Choose only reputable providers like Blue Cross Blue Shield of Texas for your Medigap insurance. You do not want to find yourself out of luck when it comes time to deliver because your provider isn’t credible. Blue Cross Blue Shield of Texas has been providing reliable Medigap insurance to Texans for over 80 years. They are dependable and will be there for you when you need them.

Turning 65 is an exciting time for many Texans- a time to reflect on family and friends and relax after a long lifetime of hard work. Securing health care should not be stressful or confusing. Take the time to learn about Medigap Insurance, take advantage of your open enrollment period and choose a dependable insurance provider like Blue Cross Blue Shield of Texas.

For additional information or to obtain a free Medigap insurance in Texas quote visit our Texas Medicare supplement website. It’s quick and easy and you can see quotes right from the comfort of your kitchen table.

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How Difficult is it to Purchase Medicare Supplement Insurance in Texas?

Posted on by Charles Peeler

If you’re like most Texans, you understand the importance of dependable and reliable health care. After all, you’re always prepared and you’re not willing to let health care get the best of you simply because it’s a bit confusing. If you’re 65 or about to turn 65, you’re eligible for Medicare. As a federal health insurance program available to all Texans, Medicare coverage pays for a significant portion of health care costs. Nevertheless, it doesn’t pay for it all. Unfortunately, there are deductibles, copayments and even coinsurance costs that can add up quickly.

The good news is that you’re not alone if you’re considering Medicare Supplement insurance to fill in the gaps not covered by original Medicare. However, more than likely, you have some questions and you’re not quite sure what to look for in this type of insurance. Luckily, learning a little information now can help make things much easier for you if and when you make the decision to purchase Medicare Supplement Insurance in Texas.

Know What you are Looking for

Before looking for Medicare Supplement insurance, you should understand what it really is. Medicare Supplement insurance, also called Medigap insurance, is insurance sold by private companies to help folks like you pay for costs not covered by original Medicare. These costs can include deductibles, copays and even coinsurance. In many cases, Original Medicare leaves you responsible for a lot of money out-of- pocket and Medicare Supplement insurance helps you pay.

There are several different Medicare Supplement insurance plans, designated by the letters A through N. Each plan has slightly different coverage which is why it is necessary to review each plan carefully. In some cases, you may not need all the coverage provided by a particular plan. In other cases, you may decide you want other types of coverage. However, the most popular plan in Texas is Plan F. As a supplement, Plan F completely eliminates all deductibles, copay, and coinsurance, leaving you owing nothing in the event you need medical care and another feature of this plan is that it will even pay excess charges over what Medicare allows. For most seniors, this plan makes the most sense because it gives you peace of mind knowing that your medical bills are completely paid for.

Be Prepared

In addition to understanding what you’re looking for in Medicare Supplement insurance, you should know the eligibility requirements. In Texas, to be able to purchase a Medigap policy, you must be enrolled in both Part A as well as Part B of Medicare. In most cases, if you are 65 or over, you are already enrolled in Part A. In fact, for Texans, enrollment in Part A of Medicare is automatic and happens on the first day of the month in which you turn 65. Enrolling in Part B is your choice. You have the option to sign up anytime during a 7 month period that begins 3 months prior to you turning 65. However, remember, you must be enrolled in both Part A and B to purchase Medicare Supplement insurance.

Know Where to Look

Medicare Supplement insurance in Texas is sold by private insurance companies like Blue Cross Blue Shield of Texas, Gerber Life or United of Omaha Life Insurance. All Medicare Supplement Insurance is standardized which means that every plan of the same letter, regardless of who sells it must contain the same coverage. For instance, Plan F offered through Blue Cross Blue Shield must contain the exact same coverage as Plan F offered through another insurance company. This makes comparing cost between companies very convenient.

However, make certain that you choose only reputable insurance providers when purchasing Medicare Supplement insurance. Simply because other companies are selling Medigap policies does not mean that they are dependable. When it comes to medical care, trust those you know have a proven record of success like Blue Cross Blue Shield of Texas or Gerber Life. You don’t want to regret trusting a no name company that fails to deliver when you need them most.

Purchasing Medicare Supplement insurance in Texas can be easy and stress free. Learn the basics behind what you are looking for, eligibility requirements and where to look for quality, dependable coverage. Following these steps will ensure that you choose Medicare Supplement Insurance that is right for you.

For more information or to obtain a free quote on Medicare supplement insurance in Texas visit our Texas Medigap insurance website.

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What is the Most Popular Medigap Insurance Plan in Texas?

Posted on by Charles Peeler

If you are like most folks in Texas, health care is an important issue to you. You know a little bit about Medicare- at least enough to know that you will most likely need to supplement your coverage with Medigap Insurance. Unfortunately, there are so many different plans, you’re not sure where to begin. What is the most popular Medigap insurance plan in Texas and is this the right plan for you? Understanding Medigap insurance and how it works with Medicare will help you make an informed decision if and when you decide to purchase a Medigap insurance plan.

What is Medigap Insurance?

Medigap Insurance, also known as Medicare Supplement insurance, is insurance that you purchase from a private insurer to help fill the gaps in coverage provided by Original Medicare. This means that it helps pay for some of the health care costs that Original Medicare doesn’t cover like deductibles, coinsurance and other related expenses. Medigap insurance is different from a Medicare Advantage Plan because Medigap coverage only supplements Medicare while Medicare Advantage Plans actually provide Medicare benefits.

All Medigap policies are standardized by the federal government, meaning that every insurance provider must provide the exact same coverage for plans A through N. However, that does not mean that they must charge the same prices. As a result, there is much disparity between companies. It is always a good idea to stick with reputable insurance providers like Blue Cross Blue Shield of Texas or United of Omaha when purchasing your Medigap insurance. Simply because insurance providers must provide the same coverage does not mean that they are all dependable or reliable.

Plan F-The Favorite of Texans

In Texas, there are 10 Medicare Supplement Insurance plans offered- plans A, B, C, D, F, G, L, K, M and N. Each plan has slightly different coverage which is why it is so important to review each one carefully. Nevertheless, most seniors in Texas prefer Plan F as it provides the most peace of mind due to the fact that all deductibles, cost sharing and coinsurance are completely eliminated.  While this may be the best choice for many people, it may not be right for everyone. Make certain to review each plan carefully to recognize what is most important to you.

Monthly premiums vary considerably between plans. As a general rule, the more coverage you have, the higher your monthly rate. Nevertheless, there are a variety of cost saving strategies available that can make affordable Medigap insurance a reality. Blue Cross Blue Shield of Texas for instance has a Medicare Select Option that offers the same benefits as other plans but with discounted premiums. By agreeing to use Medicare Select Network Hospitals, premium rates are reduced saving you money. Also, a company like United of Omaha, which by the way is a Mutual of Omaha company, offers a spouse discount to help reduce some of the monthly premium.

Like most other states, Texas offers quite a few choices when it comes to Medigap insurance. While there are several different plans with slightly different benefits to choose from, Plan F continues to be the most favored Medicare Supplement plan in Texas. In terms of providing the best coverage with no hassle, no deductible, coinsurance or cost sharing, it simply can’t be beat. Choose a reputable, dependable insurance company that you can trust like Blue Cross Blue Shield of Texas, review the available plans carefully and have peace of mind that your health care is well protected.

For additional information or to get a free quote on the most popular Medigap insurance plan in Texas visit our Texas Medicare supplement insurance website.

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Does Blue Cross Blue Shield of Texas Offer Affordable Medicare Supplement Insurance?

Posted on by Charles Peeler

Blue Cross Blue Shield of Texas has been providing health insurance plans to Texas residents for over 80 years. Particularly as it relates to Medicare Supplement Plans, they have earned a reputation for dependability and reliability that Texans have come to trust. Taking the time to familiarize yourself with the different coverage offered by Blue Cross Blue Shield will help you find the right plan that not only fits your health care needs, but your budget as well.

Medicare Isn’t Enough

Every resident of Texas 65 or older is eligible for Medicare. While Medicare provides a substantial portion of necessary health care coverage, there are significant gaps that are not covered. As a result, most Texans find that they need Medicare Supplement Insurance to help with these gaps and some of the costs associated with Original Medicare.

Original Medicare includes Part A (hospital insurance) and Part B (Medical insurance). Generally, you have your choice of doctors, hospitals and other health care providers, but you must pay for all deductibles, coinsurance and usually a monthly premium for Part B. Additionally, Original Medicare does not include prescription drug coverage and if you would like to add it, you must join a Medicare Prescription Drug Plan offered through a private insurer.

Affordable Medicare Supplement Insurance from a Trusted Name

With Blue Cross and Blue Shield of Texas, you don’t have to worry if your insurance will be there for you. In fact, as a leader in Medicare Supplement protection, Blue Cross Blue Shield of Texas offers solid benefits and superior customer service at a price you can afford.

Currently, there are 7 Medicare Supplement insurance plans to choose from. Plan K and Plan L are low cost, offering cost sharing, which requires that you pay a share of medical costs in return for reduced premiums. Plan N offers basic benefits with a low $20 copay for doctors visits and $50 for the emergency room. Part G pays for the Medicare Part A hospital deductible and coinsurance. Plan F is the most popular choice with Texans because it completely eliminates all deductibles, copay and coinsurance costs. The majority of people looking for Medicare Supplement insurance just want peace of mind that comes from knowing they are covered with no hidden costs.

In addition, Blue Cross Blue Shield offers even more savings through Medicare Select options. These options are available with plans F, G, K, L and N offering the same benefits but at less cost to you. By using Medicare Select Network Hospitals, you can save money with a reduced premium. Under this option, you still have full coverage for emergency care at any hospital and can choose your own doctor or specialist.

Medicare Supplement insurance helps you pay for some of the gaps that Original Medicare doesn’t cover like deductibles, copayments, and coinsurance. While health insurance is necessary, it can get expensive. Trust Blue Cross Blue Shield of Texas to provide you with not only the most affordable Medicare Supplement insurance, but also, the most reliable and dependable.

For more information on Blue Cross Blue Shield of Texas Medicare Supplement Plans visit our Texas Medicare Supplement Insurance website.

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Can I Get Medigap Insurance in Texas on a Fixed Income?

Posted on by Charles Peeler

It’s tough to make ends meet these days. In fact, many people just like you are living on a fixed income with little or no discretionary money. Most people have to watch spending very carefully. Nevertheless, securing dependable and reliable health care is too important to leave to chance.

While traditional Medicare will help with a significant portion of your medical needs, it is simply not enough. It is likely that you will need Medigap insurance to help with out of pocket expenses that you are unable to meet. While money is tight, it is possible to get reliable, dependable Medigap insurance in Texas on a fixed income.

What is Medigap Insurance?

Medicare Supplement Insurance, also called “Medigap” insurance, helps to pay for all or some of the “gaps” in coverage or costs not covered by traditional Medicare. Generally, this includes deductibles, coinsurance, copay and related expenses that are tough to pay on a fixed income. Medigap insurance does not work with other coverage provided by Medicare Advantage Plans, employer/union group coverage, TRICARE, Medicaid or Veterans Administration (VA) benefits. In fact, insurance companies cannot even sell you a Medigap policy if you have coverage through Medicaid. Medigap insurance is designed to supplement not replace your Medicare benefits.

Standardized Coverage

The good news is that all Medigap insurance must follow federal and state laws. As a result, every insurance company in Texas must sell standardized policies, identified by the letters A through N.  This means that regardless of which insurance company sells it, each Medigap policy must offer the same benefits. Primary differences come through cost and trustworthiness. Make certain to choose a well-known, established insurance provider like BlueCross Blue Shield of Texas or United of Omaha Life Insurance Company. While different providers must offer the same coverage, there is no guarantee that they will be as reliable or dependable.

Finding an Affordable Medigap Plan That’s Right for You

The trick to finding affordable Medigap insurance is to review each available plan, decide which benefits you want and which plan (A through N) meets your needs. Limited financial freedom should not affect your chances at securing affordable health care in Texas. By reviewing benefit choices carefully and making strategic decisions as to what kinds of coverage you can do without, you can easily get Medigap insurance in Texas on a fixed income.

Make certain when you compare costs that you are comparing plan for plan. In other words, compare Plan C only to Plan C. Cost may vary depending on whether or not discounts or other cost savings options are offered. Generally, the lower your monthly premium, the less coverage you will have.

Take Advantage of Open Enrollment

The best time to buy Medigap insurance is during your open initial enrollment period. This period of time lasts for 6 months, beginning on the first day of the month in which you are 65 and enrolled in Medicare Part B. Particularly if you are on a fixed income, this is the time to purchase because in most cases, insurance companies cannot make you wait for coverage or charge you more for a Medigap policy. In fact, during this time period, you have the right to buy Medigap insurance for the same price as someone in good health. After your enrollment period expires, this may not be the case.

Getting Medigap insurance in Texas on a fixed income is easy as long as you make some smart choices. Review the available plans, decide which benefits are important to you and compare prices between providers. Choose only reputable insurance companies like Blue Cross Blue Shield of Texas and take advantage of your open enrollment period to secure a low price. If you follow these steps, you can make finding affordable Medigap insurance in Texas easy and stress free.

For more information on obtaining Medigap Insurance in Texas on a Fixed Income visit our Texas Medicare Supplement Insurance website.

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Do I Really Need Medicare Supplement Insurance in Texas?

Posted on by Charles Peeler

Medicare is a form of health insurance provided by the government that allows senior citizens to get help with their medical expenses without having to pay a ton of money out of pocket. There are still premiums involved with certain Medicare policies like the Part B coverage offered by the government or one of the numerous Medicare supplement insurance plans being offered, Standard Medicare coverage is minimal, but it can still suffice for some people. If you are not one of those people, you may be in need of a policy to add to your Medicare. That is where the Medicare supplement insurance Texas has to offer comes into play.

There are several forms of Medicare supplement insurance Texas provides, whether you live in East Texas or down by Houston. These different forms will provide you with different sources of coverage, like coverage for prescription drugs or for things that Medicare doesn’t pay all of like coinsurance amounts or deductibles. The supplement plans are labeled by letters, and all those do is indicate the additional policy provisions that you will receive. They range from A to N, and each one offers a slightly different way for you to get the policy that you need. It seems that the boys in Washington like to use letters in just about anything as it relates to coverage for those over 65.

The type of Medicare supplement insurance Texas you get will impact the amount of money you pay every month. Some plans are not as extensive as others, and thus they do not cost as much. You may want to start off with a supplement policy that offers lower coverage and then move onto something a bit more extensive if you think you can afford it or you can always do what most Texans do and choose Plan F from the start from a company like United of Omaha which by the way is a Mutual of Omaha company. The rates are fairly low all over the state to ensure that you can keep as much of that fixed income you have stays in your pocket. No matter what sort of disposable income you have available, you should be able to find a policy addition that will work for it. 

The Medicare supplement insurance Texas has to offer is no different than what you will find in other parts of the country. The rates you pay for the coverage will vary from state to state, but the coverage itself should stay the same. You can get a quote if you ever need to move someplace else, just like you could get a quote if you are not a Texas resident but plan to move to the state. Most supplemental plans will even go with you from one state to another without any modifications to the coverage. Take a bit of time to research supplement plans and you should have no troubles getting the coverage you need.

Now that you know why its so important to have a Medicare supplement Insurance Texas Plan visit our website to see instant, hassle free quotes from the top companies.

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Texas Medicare Insurance | Medicare Basics for New Users

Posted on by Charles Peeler

If you are new to the world of Medicare, you might be in need of some basic information to get you fully aware of what your options are. Living in the second largest state in the country offers a lot of unique opportunities for you as a Texas citizen, but the Texas Medicare insurance you look into should be no different than what you will get from any other state. If you read some of the information below, you may have a good idea about how Medicare works and what it may be able to do for you.

To receive Texas Medicare insurance, you have to be over the age of 65. There are some disabilities that will merit Medicare coverage if you are under the age of 65, but that just depends on your situation. You can get this coverage regardless of your age if you have ESRD, which stands for End Stage Renal Disease. This is a form of permanent kidney failure that requires a kidney transplant of daily dialysis to keep a person alive. You will have to have had a job in the past that allowed you to contribute money to Medicare via your taxes. If you never paid taxes, you will not be able to get this money in your old age.

There are different Medicare plans that work for different costs. Part A for your Texas Medicare insurance is going to cover hospital type costs, like inpatient care or hospice care. If you receive home health care or get treatment from a skilled nursing facility, you will be able to get the coverage you need through Part A of your Medicare plan. This is usually known as hospital care, and it is one of the most important aspects of your policy.

You will also get Medicare parts B through basic Texas Medicare insurance. Part B is known as medical coverage for things like doctor visits and testing. Most times you are automatically enrolled in Part B and there is a premium associated with this benefit. With Medicare Part B, you will be able to receive payments for any outpatient care you receive as long as it is approved from Medicare.

Next there is the Part D prescription drug coverage; you can get your prescription and generic medications covered as long as they fit within the parameters of the policy. These plans are marketed by private insurance companies but you can select one by using the governments website to find a plan that best works with your current drug intake.

Medicare is a fantastic program that can help those on a fixed income get the coverage that they need for medical expenses. For more information  about Part A and B Texas Medicare Benefits  or to learn more about Medicare Eligibility visit our website.

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Texas Medicare Insurance – Tips for Enrolling

Posted on by Charles Peeler

Are you over the age of 65 and in need of some form of medical insurance? If so, you may be eligible to enroll in Texas Medicare insurance. In a state with the motto of “Friendship,” it seems that all you need to do is fit within certain criterion to get the medical coverage you need when you need it most. Before you can do much of anything, you will need to make sure you are enrolled in Medicare. Most seniors are automatically enrolled in both important parts, A & B but I advise to always check and make sure. This process may not be as easy as it seems. Below you will find information about the enrollment process that will help you determine what you want to do.

 

Most seniors have much the same benefits, A & B, these benefits are provided by the boys in Washington. Also, Part A was paid back when you were working, remember that Medicare tax? Well, that tax paid for your Part A basic hospital benefit. Part B you will have to fork out a monthly premium for is and it can be different based on your income. Where it gets tricky is what you will do for your Texas Part D prescription drug plan and your supplement choice.

 

Never assume that you will be able to benefit from the exact same plan as someone else. There are many forms of Texas Medicare insurance, and each form will work well for certain people. That means that your husband may have different needs than you do when it comes to your policy. Keep your mind open before you enroll and fully assess all of your options. If you lock yourself into a Medicare supplement plan, you will have to go through a lengthy process to change the plan you are in for the future.  Try to avoid that by planning well ahead of time or locking in with a trusted agent or broker.

 

Look at some forms of supplement plans that you might be able to tack onto your Texas Medicare insurance. This is going to cover any money that a standard Medicare does not cover. You may have to pay a bit more for a supplement, but it will ensure that you get all of your medical treatment and other expenses that you need for your health covered. You can get quotes for different plans online, and they will help you see what you may have to pay for each of the plans when you enroll.

 

The laws for Medicare have changed since the start of 2011. Thus if you have been used to some of the old policies, it would be wise for you to review the changes so you are fully familiar with your policy options. The government will periodically change the plans that are being marketed to better reflect market trends and public attitude. The more time you can devote to your enrollment, the better coverage you should be able to receive. There are always representatives available who can help you secure a policy when you need it. Feel free to ask the professionals about any questions that you have in reference to your Medicare coverage. Together, you can get the perfect policy for your needs.

 

Once you have confirmed you have both A & B of Medicare and have chosen a Texas Medigap plan that you like now would be a good time for the selection of a Part D drug prescription card but that’s an entire different topic for you to research.

 

For more information on Texas Medicare Supplement Insurance visit www.MedicareInsuranceTexas.com today!

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Medicare Insurance Texas – Understanding Parts A, B and D

Posted on by Charles Peeler

There are many seniors who seek out to find what Medicare insurance Texas has to offer every year. If you have reached your retirement years and are in need of coverage like this from the government, you may be surprised to find out that not all forms of Medicare cover all forms of medical needs. Sometimes you have to get a supplemental policy to fully have protection for your medical troubles but that’s a totally different topic. These are the options offered from the federal government(Parts A and B) and drug coverage heavily regulated by the feds but marketed by private insurance companies(Part D) . There are many different supplement plans out there, but plans A, B, and D  are the one that can be secured from the federal Medicare program. These plans are available in El Paso, Austin, and every other city in this great state. The information below should give you an overview of these products.

Part A  of Medicare insurance Texas is also known as hospital coverage. It pays for any home health care or hospice care you may need throughout your life. It also has funding allotted for in-patient services at a hospital and facility care after leaving a hospital. These bills can get very high very quickly, but this supplemental insurance can make sure that you do not have to pay a ton of out of pocket money for them. In addition to the coverage mentioned above this plan comes to you regardless of your desire for it as you taxes paid for it during your working years.

You might not find a benefit for Medicare insurance Texas as appealing as Medicare Part B. This is the plan that pays for the medical services you may experience in the hospital or doctors office. Some examples of this sort of coverage would be for times when you need clinical laboratory service or outpatient hospital treatment. Any lab tests you have to go through would be a part of Part B. Most policies have it so that you will still have to pay for 20% of your expenses related to this policy, but that will vary by procedure. This part of Medicare has a cost associated with it and most times it can be taken from your monthly Social Security check. There is a penalty for not electing this benefit at the time you qualify in most cases.  

If you are someone who has to use medication on a regular basis, you may be in need of Medicare insurance Texas Part D. This is the plan that offers coverage for prescription drug costs in the event that you cannot pay for medication on your own. There are different forms of this one plan, so you will have to see if you want to pay for full coverage or just partial coverage. You may have a co-pay to work out with the insurance provider, depending on who you work with. This benefit is provided by private insurance companies with heavy regulation from the boys in Washington and again, just like Part B if you decide to skip this benefit there could be a penalty associated if down the road you decide to get involved in the Part D plan.

For more information on Medicare insurance Texas visit www.MedicareInsuranceTexas.com

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Texas Medigap Coverage – Choosing the Right Plan for You

Posted on by Charles Peeler

Getting Medicare in Texas is fairly easy, seeing that you have close to 270,000 square miles of space to explore for policies. You also have the internet readily available, giving you a whole world of exploration ahead. To get a supplemental plan for your Medicare coverage, you are going to need Texas Medigap coverage. This is a plan that will work to fill any “gaps: that you may have with Medicare. There are several forms of Medigap to look into and they are also referred to as supplement plans, so you will need to spend some time assessing your options to see what will work well for you. Here are a few ideas to keep in mind.

Start by knowing what budget you will have to work with ahead of time. While it is never wise to limit your coverage based on money alone, you still have to be realistic about your Texas Medigap coverage. You can get quotes online to see what different plans will require in monthly and yearly fees, and then you can see what fits within your budget and what does not. Quickly eliminate the options that are well beyond your means so you know what you have to choose from.

If you have a doctor that you work with regularly, you may want to see what Texas Medigap coverage he or she will accept for payment, most all traditional supplement plans allow going to any doctor that will accept Medicare, so yes you should be able to keep your current trusted doctor. This is especially true if you live in a small town where there are a limited number of physicians available. Your doctor may be able to recommend a policy suited for your needs, or he or she may not know anything about Medigap at all. You just have to ask to find out what is the case for your physician. If you can get coverage that the doctor would accept, that would be ideal. But again, if he or she takes Medicare in most cases you will be able to see your current provider.

Think about what you are missing from your Medicare policy. Do you need more of your out of pocket expenses covered, or do you need more money for prescription drugs? Those sorts of thoughts will ultimately determine what Texas Medigap coverage you should be able to work with. If you have any doubts about a certain policy, you can always contact the insurance provider to find out more information. Then he or she can go over what plans A through N have to offer you. Additional coverage can be fairly simple to get as long as you know what your needs are going to be.

For additional information about Texas Medigap coverage visit www.MedicareInsuranceTexas.com today.

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Medicare Insurance Texas – Ever Thought of Buying on the Web?

Posted on by Charles Peeler

Even though Medicare is considered a policy solely for the elderly, it is still a plan that can be explored online. Knowledge about the computer and the World Wide Web certainly does not stop at the age of 65, so there is no reason for you to avoid using the web to your advantage when you go to secure a policy. You can easily do all of your research right here, and you can actually experience a much simpler process just by working on your computer. Read on to see how you may be able to get your Medicare insurance Texas has to offer by logging onto your computer.

You may be able to get your Medicare insurance Texas totally for free, but you may also have to pay a certain sum of money to get the coverage you need. This could be through the use of supplement plans, which offer some additional coverage beyond standard Medicare to suit your needs. You can get quotes for different supplement plans and plans in general by going online and entering some brief information. Then all you have to do is compare the results and choose the one that works the best for you.

When it comes time to actually buy the Medicare insurance Texas online, all you will have to do is fill out a little more information about yourself on an application and then proceed to making your first payment. In some cases, you may be asked to speak to someone live on the phone to verify your information before you make a payment, but that will depend on where you secure your policy. You should be able to do almost everything online.

Unlike the under 65 individual health market there are only a handful of carriers that allow the complete online application process. Give it a few more years and just like the under 65 market all companies will allow online transactions, otherwise they will be left behind. Just about every plan will allow the downloading of an online application for print and fax, so the over 65 market is close to being “online ready”.

Take some time to research the different options you can get through Medicare insurance Texas so you know that you are going to get the best policy possible. You should be able to get all of the basic coverage you need for doctor visits and prescription drugs if you have the right supplement policy on hand. Just as an FYI about supplement plans, the Texas Medicare Plan F is far and away the most popular. This is a great program that the government offers for seniors who have contributed to the American economy throughout their lives, and you should see it as a reward for a life well lived. All you now need to do is take advantage of the opportunities that come your way. Medicare is readily available to protect you from paying too much for your health care.

For more information on Medicare insurance Texas visit our website!

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Texas Medigap Policies – What Is the Point of Medigap Coverage?

Posted on by Charles Peeler

Medicare is a fairly commonly known form of insurance in the home of former president George W. Bush. Even if most people are aware of this iconic Texan and this iconic health insurance plan, there are still people who do not know what Texas Medigap policies are. These are policies that work in conjunction with Medicare to cover any “gaps” that may be present in the Medicare plan. The fact is that traditional Medicare does not seem to cover all that the average senior needs nowadays, and that can pose as a problem for certain people. Medigap plans fill in the blanks so that everyone gets what they need out of Medicare.

Texas Medigap policies are not so much full insurance plans as they are additions to what already exists in Medicare. Consider these as simple clauses that are meant to enhance Medicare coverage. They will come at a price that you have to pay monthly or yearly, just like your standard Part B of Medicare. The only difference with these is that they provide certain parts of coverage for a person, not the whole coverage needed. That is what the original plan is for.

There are different classifications of Texas Medigap policies, ranging by letter from A to N. Some of the different classifications overlap when it comes to what they cover, but they all differ in one way or another. In the state of Texas, Medigap Plan F is the most commonly added supplement plan, and that is because of the extensive coverage it has to offer. It will pay for all Medicare related expenses, as well as any money that a doctor charges beyond what Medicare will pay. This is a true fall back policy to ensure that the money you spend is minimal.

You may not necessarily need one of the Texas Medigap policies available to you if you feel you have ample coverage through your Medicare policy already. If you do find that you need a supplement though, you may want to look at quotes for your policy to see what you are going to have to pay. This will give you a good idea about what sorts of providers there are in your area and how much they are going to charge you in the end. The rates should be affordable, and there is no reason why you cannot find something that works for you. You just have to keep your options open.

For additional information on Texas Medigap policies visit www.MedicareInsuranceTexas.com today.

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Texas Medicare Supplement Plan F – What You Should Know

Posted on by Charles Peeler

Texas Medicare Supplement Plan F is one of the most common  and popular options for supplemental coverage. Because it offers extensive coverage, many people actually prefer it to the other 11 plans that are available, as well as Texas Medicare Advantage (private insurance) coverage. Plan F helps fill in almost all the gaps of Medicare, making it easier for you to get the coverage that you deserve. Some things to know about Texas Medicare Supplement Plan F include:

-This plan includes coinsurance for Part A and B, as well as deductible coverage for Part A and B. This is going to save you at least a few thousand dollars.

-Plan F covers 100% of the excess charges that you have with Part B, or outpatient coverage. This means that if you have an appointment with a specialist that costs more than what Medicare will pay, it’s covered under Plan F.

-This plan will also provide coverage for up to 90 hospital days, giving you a total of 150 days covered instead of the Medicare 60-day coverage. You also get the benefit of 365 additional hospital days after Medicare runs out.

-Plan F will cover skilled nursing facilities, foreign travel emergencies, and hospice services. The plan doesn’t include preventative care or at-home recovery, as these services are being eliminated from the Medicare program due to a lack of use. Also with the new health care reform package most preventive care is covered anyway.

-With Plan F, you are free to use any doctor or provider that accepts Medicare giving you complete freedom to continue using your medical doctor or hospital that you have used for years.

- There is also a high deductible Plan F available at a much reduced monthly cost however very few seniors have selected this option. Most seniors are on a fixed income and even with the reduced premium digging up some $2000 for the deductible is difficult.  

Because there are so many different plans to choose from, it just makes sense to explore the options and get to know what each one offers. Texas Medicare Supplement Plan F isn’t the only option that you have, by far. However, it is the most comprehensive and people appreciate it for everything that it has to offer. You should consider it for yourself if you are looking for the best coverage that supplement plans can offer. Feel free to check out the other plans and see what they have to offer first, but the chances are good that you’ll end up liking this plan best. All that matters is that no matter which of the 11 plans you choose to add to your Medicare coverage, you need to find the insurance that suits your exact needs for coverage.

For more information on Texas Medicare supplement Plan F visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplement – When Medicare Isn’t Enough

Posted on by Charles Peeler

A Texas Medicare supplement is a policy that is sold through a private insurance provider in the state to help supplement the original Medicare coverage that you have. The government created Medicare to offer a solution for insurance to older adults, but they never intended for it to cover everything that people needed. Therefore, supplement plans were created in a set of 11 modernized plans that are sold by a variety of insurance companies. These plans help offset the gaps in your coverage and provide you with more support for your medical needs.

It is important for you to keep in mind that a Texas Medicare supplement is NOT the same as a Texas Medicare Advantage plan. These are actually the two options that you have when you are shopping for additional insurance to add to your Medicare coverage. A supplement is standardized by the government and sold by private companies. An Advantage plan is a private HMO or PPO insurance plan that is an alternative to supplements. This is very important to know and remember in your search for coverage. Considering that there are more than 3 million residents in Texas enrolled in Medicare, you can count on the fact that insurance companies have options for all types of people and needs.

In our opinion Medicare is never going to be enough coverage on its own. Unless you are extremely healthy or extremely wealthy, you cannot afford to go without a Texas Medicare supplement. This will take over where Medicare leaves off, allowing you to have peace of mind and financial protection regardless of what type of situation you are in. You need to shop around and find a reputable company that sells supplement plans so that you can get the coverage that you deserve. While the basic policy is the same everywhere, the features, perks, and service will vary from one insurance provider to the next.

Medicare was never designed to provide you with full coverage. It doesn’t matter if you think you need it or not, a Texas Medicare supplement is always a good idea. Allow yourself the time to explore the options and see just what you have to choose from so that you can get the right supplemental plans for your needs. There are plenty of options and more than 50 insurance providers in Texas to choose from, no matter what type of supplement plan you might be searching for.

For more information or assistance in finding a quality Texas Medicare supplement plan visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – The Power of Being Informed

Posted on by Charles Peeler

Texas Medicare insurance is available to all residents in the state who are over the age of 65, who are disabled or who are suffering from end-stage renal disease. This plan is offered nationwide and is virtually the same in every state, but there are a few changes and variations that you have to keep in mind from one state to the next. Texas has plenty of options for Medicare insurance coverage, including companies like:

Blue Cross Blue Shield of Texas

United of Omaha

Gerber

Humana

Genworth Financial

Continental Life Insurance Company

Woodmen of the World

Sentinel Life

There are plenty of solutions for Texas Medicare insurance, regardless of what type of company you are looking for. Of course, you will also have to think about your likelihood of purchasing a supplemental policy to ensure that you get the best coverage for your needs. Medicare was never designed to be all-inclusive, which is why optional supplemental plans have been made available to people to help give them the full coverage that they deserve. In our state these are known as Texas Medigap plans and offer a wide selection of coverage options for residents.

When you are enrolling in Texas Medicare insurance plans, being informed is one of the most powerful tools that you can have. You need to learn about Medicare, how it works, and what the eligibility requirements are. Having this knowledge will make it much easier for you to get exactly what you need when it comes to Medicare coverage. This is a very confusing topic for many people because there is so much to learn. However, when you take the time to figure out exactly what you are dealing with, it will be much easier for you to get the outcome that you deserve for your Medicare insurance coverage.

There are a lot of things to learn about Texas Medicare insurance coverage, including which Texas insurance companies you can work with, which supplement plans best suit your needs, and even which types of coverage you truly need to have. Texas requirements for Medicare coverage are the same as most other states, however, so you can generally get a good idea of what to expect as long as you do a little research on Medicare and how it works. Take the time to educate yourself so that you can get the right insurance policy and supplement for your needs, no matter what those might be.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – Supplemental Coverage to Fill the Gaps

Posted on by Charles Peeler

When you receive Texas Medicare insurance coverage, you need to know that it isn’t the only insurance that should be in your life. Too many people assume that Medicare is all-inclusive and will provide them with everything that they need. However, the reality of the situation is that while this insurance does help people who are older or disabled, it was never meant to cover everything. Therefore, you have to find a way to fill the gaps in your insurance coverage. Typically, the easiest way to do this is by researching Texas Medicare supplement plans to get the extra protection that you need.

Medicare insurance works here just like it does in other states. Coverage is provided to people who are over the age of 65 or those who are disabled. Most people will be automatically enrolled in Medicare once they reach the age limit, but it is important for you to understand your options and be prepared to enroll yourself before that deadline approaches. That way, you can set up your insurance to work for you and get exactly what you need every single time. Plus, you will be able to see exactly which things are covered and which aren’t so that there are no surprises.

Texas Medicare insurance consists of hospital coverage, medical or doctor coverage, optional Medicare advantage plans and prescription coverage. In addition to this basic provision, you can choose to have a supplemental insurance plan to cover you against anything that your original Medicare coverage does not provide. It can help offset or pay all deductibles, copayments, co insurance and coverage limits so that you can get more from your insurance without spending a fortune. Supplemental coverage isn’t free, but it also won’t cost you a lot if you take the time to shop around and find the best policies.

Now that you know a little bit more about Texas Medicare insurance and supplemental coverage, it should be simple for you to get exactly what you need so that you are protected no matter what happens. Often referred to as ‘Medigap’ coverage, this supplemental coverage will help fill in the gaps where Medicare leaves off, allowing you to have peace of mind and better insurance. Take the time to explore your options and learn about different supplement options so that you can get the best insurance for your needs. Medicare is a great service to many people, but it certainly isn’t all you need.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplement – Tips for Choosing Plans

Posted on by Charles Peeler

In the United States, an average of 15% of the population is enrolled in Medicare insurance coverage. In Texas, that number is about 12%. That means that with a population of more than 24.7 million, there are almost 3 million people who receive Medicare insurance coverage in the state. These residents need to have a Texas Medicare supplement, as well, because Medicare is not enough to do the job. Some people think that Medicare does it all, but that is hardly the case. In fact, the federal government created 12 standard Medicare supplement plans specifically because Medicare is not designed to cover everything.

If you are shopping for the right Texas Medicare supplement, here are some tips to help you along the way:

-How much additional coverage do you need? This is the first and most important question that you should be asking. If you know what you have and what you need, you can do the math to determine which supplement plan is best.

-How much do you want to spend? There is no sense in putting a price on your health and financial wellbeing, but you really need to keep your budget in mind. There are plans for all budgets and coverage needs, making it easy for you to find whatever works.

-Are you choosing a reputable company to work with? Medicare supplements are typically sold and managed through private insurance companies. You will have to take the time to choose a company that is professional, reputable, and provides you with the service that you deserve. Since all Medigap policies must pay their claims, you need a company that is easy to work with when things like address changes and billing issues come up.

-Make sure that you put quality and service ahead of cost. Some people like to think cheap, but that isn’t what matters most. Getting the best coverage for the best price is far more important. Be sure that you find the right plan with an affordable price instead of just whatever is cheap.

There is a lot that goes into choosing the best Texas Medicare supplement. However, as long as you take the time to figure out exactly what you are looking for, it should be easy for you to find the perfect solution. Everyone has different needs but these tips should help keep you in line. Always research your options, choose policies that suit your needs and remember that companies and their reputations are more valuable than you might realize. If you can keep this in mind, you can get great supplemental insurance in no time at all.

For more tips on getting the correct Texas Medicare supplement plan visit www.MedicareInsuranceTexas.com  today!

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Texas Medicare Eligibility Requirements – Make Sure You’re Eligible

Posted on by Charles Peeler

Texas Medicare eligibility requirements are similar to other states. First and foremost, you have to learn the basics. According to all guidelines set forth by the Federal Medicare program, eligible parties must be:

-At least 65 years of age

-Under age 65 and disabled

There is a lot more to getting coverage, but as long as you meet one of these basic situations, it is a start. Once you have determined where you stand, you have more criteria to worry about. Those who are ‘aged in’ to the Medicare system need to have at least 10 years of work history in order to qualify. Otherwise, they will be required to pay for Part A coverage (which is free to eligible people) as well as Part B. Medicare Part B always carries a small premium, which is currently around $115 per month. This premium is subject to change annually, however, and there is no way to get out of paying it. If you want to get Part A for free, however, you have to have the work history to back up your enrollment. If you are over 65 and don’t have 10 years of work history, you can still get Medicare if you are willing to pay for it all.

Eligibility also varies for prescription drug coverage. Private insurance companies handle Texas Medicare Part D, or prescription plans. However, you do have to have Medicare Part A at a minimum. Some companies will also require you to have Part B, but this varies texas medicare eligibility requirementsand is usually not an issue. You will pay between $15 and $50 per month for prescription coverage as long as you are eligible, which is quite nominal compared to the costs of medication today. Part B and Part D also have something in common in that there are penalties for people who don’t enroll as soon as they are eligible.

The best way to check your Texas Medicare eligibility requirements and get the coverage that you need is to find an independent insurance agent who can help you through the process. Not only will they know the rules and understand Texas Medicare eligibility requirements, but they will be able to guide you in making the best choices for your insurance needs. You should also verify your enrollment a couple of months in advance with the social security office and consider supplemental coverage because Medicare itself is not going to cover everything.

For more information on Texas Medicare eligibility requirements visit www.MedicareInsuranceTexas.com today!

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Plan F Medigap Policy in Texas – What You Should Know

Posted on by Charles Peeler

Texas, like all states, has a selection of different Medigap policies that help provide supplemental coverage for people who are on Medicare insurance plans. These policies are created specifically because Medicare doesn’t cover everything, and there are many to choose from to suit the needs of different people. The Plan F Medigap policy in Texas is one of, if not the most popular plan that people choose. The extensive coverage and affordable pricing help make up where Medicare lacks without leaving anything out. The perks that you will get from a Plan F Medigap policy in Texas include:

Part A Coinsurance

Part B Coinsurance

Part A Deductible

Part B Deductible

Part B- 100% of excess charges

Hospice Services

Foreign Travel Emergencies

Skilled Nursing Facility Care

The Plan F Medigap policy in Texas is one of the most comprehensive plans that you can invest in for your Medicare supplemental insurance. This plan does not cover at-home care, but almost everything else is covered, including preventive benefits. The in home care benefit was previously a part of Medicare coverage, but were not used enough to warrant leaving the coverage in the plan. As of 2010, it is no longer an option for supplemental or regular Medicare coverage.

Plan F also offers a higher deductible plan, which changes for each year. For 2009 and 2010, the deductible for Plan F Medigap policy in Texas was $2000, however the high deductible plan has never been highly popular. Everyone chooses the traditional Plan F which covers everything provided Medicare approves the charges. There are certainly a lot of different Medigap plans out there to choose from, but this is easily the most popular option because it offers so much coverage for an affordable price.

If you cannot afford to spend additional money out of pocket this is the plan for you.  Most seniors on this plan have zero in additional doctor and medical charges yearly. If you like the confront of controlling your medical cost the Plan F Medigap policy in Texas might be perfect for you. Once approved, you are able to get all kinds of healthcare services and charges covered by the insurance, making it a great compliment to your existing Medicare coverage. Of course, you do need to shop around and explore your options to see if you can determine exactly which insurance policies are going to be right for your needs. Medicare isn’t all-inclusive, but having the right Medigap plan can help you get the coverage that you deserve, regardless of what that might be.

Plan F is the most sold supplement policy in America

For more information on a Plan F Medigap policy in Texas visit www.MedicareInsuranceTexas.com today!

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Medicare Insurance Texas – Get the Right Coverage

Posted on by Charles Peeler

For most people, Medicare seems pretty confusing. Others assume they can get automatically enrolled and have to do nothing. The truth is that when it comes to Medicare insurance, Texas residents have a lot of different options. Currently, about 12% of the state’s residents are enrolled in Medicare. That accounts for around 3 million of the 24.7 million total residents in the state. These people can tell you from experience that you need to take the time to explore your options and make sure that you get the best Medicare coverage possible, no matter what you might be looking for.

Medicare is only available for free under certain conditions. People who have reached the age of 65 and have 10 years of work history, or those who are disabled are eligible for Medicare insurance Texas offers, but only Part A coverage is free. Those who are over age 65 but do not meet the work requirement can often opt to pay for Part A coverage to be enrolled. The premium is typically nominal when compared to private insurance. Part B coverage is available to anyone who has Part A, but must be enrolled in as soon as possible to avoid penalties. This Medicare coverage always includes a premium, which is currently around $115 per month.

Medicare Part D coverage, or prescription coverage, is also eligible to anyone with Part A, but it does also include penalties for those who do not enroll right away. Finally, you have Medicare Part C (Medicare Advantage) or Texas Medicare supplements. These two options are what will help fill the gaps that Medicare does not cover. There are plenty of benefits to each type of policy and it will be up to you to determine which best suits your needs. If you have Medicare Part A and/or B, you are eligible for these supplemental policies to help you get more coverage.

When it comes to Medicare insurance Texas residents have a lot to learn. It is important that you take the time to educate yourself and learn about the different options that are available. You should also be prepared so that you can confirm your enrollment a couple months prior to your birthday with Social Security. Nothing is worse than assuming that you will get Medicare and then not being properly enrolled. Be prepared and informed and your Medicare enrollment will be a much simpler process in the end.

For more information on Medicare Insurance Texas visit www.MedicareInsuranceTexas.com today!

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Medicare Eligibility in Texas – Finding Out if You Qualify

Posted on by Charles Peeler

When it comes to understanding Medicare eligibility in Texas, there are a lot of different things that you have to think about. First and foremost, you have to make sure that you find a reputable source to get your information from so that you know what you should expect. According to state requirements, you or your spouse needs to have a history of at least 10 working years in order to get Part A, or hospital insurance, free. If you do not have the work history, you should be able to buy into the program. Part B does have a monthly premium that you will have to pay, even if you meet eligibility requirements.

Most people are typically enrolled automatically in Medicare if they are eligible. Of course, when you want to learn about Medicare eligibility in Texas and how it can help you get the coverage that you need, you should be planning ahead. You are typically going to be enrolled on the first day of your birth month in the year that you turn 65, unless you are born on the first. Then, you will be enrolled on the first day of the month before your birthday.

It is always a good idea to confirm that your enrollment is going to take place by calling the Social Security Administration so that you can guarantee that you will have the coverage that you need when you need it. While enrollment in Part A is automatic for many, Part B is a whole different story. Here, you have to sign up and agree to the monthly premium so that you can get coverage. Some people think that they can avoid this coverage, but Part B is the part of Medicare that covers doctor’s visits and outpatient care. Therefore, it cannot be forsaken.

Determining your Medicare eligibility in Texas is basically about figuring out if you have worked long enough to get Part A without paying. After that, the rest is up to you. As long as you are 65 or you meet disability requirements, you qualify for Medicare eligibility in Texas. Although most people will simply let Medicare do its job, you need to make sure that you are prepared and well aware of what is going on so that you can get the most from your Medicare insurance. Understanding if you qualify, however, is one of the most important elements in succeeding with your Medicare coverage.

For more information on Medicare eligibility in Texas visit www.MedicareInsuranceTexas.com today!

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BCBS of Texas Disability Medicare Supplement – What You Should Know

Posted on by Charles Peeler

BCBS of Texas disability Medicare supplement plans are among the most popular insurance additions that people choose when they are on Medicare due to disability. Blue BCBS of Texas Disability Medicare Supplement- What You Should KnowCross Blue Shield of Texas is the largest insurance provider and they have some of the most comprehensive and affordable plans available today. You owe it to yourself to take the time to explore your options and see what this company can do for you. Supplements are helpful because Medicare is not all-inclusive. It was never intended to be. Therefore, people need extra coverage and this supplement is a great way to get it.

When you are trying to find information on the BCBS of Texas disability Medicare supplement, you don’t have to look very far. There are actually many supplements to choose from that you can get from Blue Cross Blue Shield, no matter what you are searching for. When you have a disability that gives you the opportunity to be on Medicare, you need to take advantage of other coverage solutions so that you aren’t overwhelmed with medical debt.  They offer the full selection of standard supplements for your disability insurance needs. The plan offered in Texas is Plan A, like most companies.

Medicare doesn’t cover the Part A hospital deductible, copayments after 60 days, or the Part B deductible. If you don’t have a BCBS of Texas disability Medicare supplement to add to your original Medicare, you could wind up facing thousands of dollars in medical bills or not getting the care that you deserve. While supplement plans are standardized, of course, companies are allowed to change rates and features, and the quality of service and reputation that you get will vary. This is important to keep in mind because you deserve the best service and coverage.

According to BCBS of Texas, disability Medicare supplement Plan A is guaranteed to all residents of the state who are disabled, under age 65, and have Medicare Part A and B coverage. The application for disability supplemental coverage needs to be filled out within 6 months of getting Part B coverage, as well. This is a guaranteed issue plan for people who meet the criteria, which is what makes it such a beneficial option for so many. Before you do anything, get to know your options and learn more about disability supplements because the right coverage can make all the difference.

For more information on BCBS of Texas Disability Medicare Supplement visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplements – Supplemental Coverage Advantages

Posted on by Charles Peeler

Texas Medicare supplements are designed specifically for the purpose of providing you with extra coverage that you don’t get from Medicare. This federal program for insurance was never created to cover every single medical expense, which is exactly what supplements, also known as Texas Medigap coverage, are for. You need to take the time to learn about supplemental coverage and find the policy that fits with your Medicare plan like a glove to cater to all of your healthcare needs. Medicare supplements are a great addition, but more importantly a necessary part of the process when it comes to getting comprehensive insurance coverage.

Texas Medicare supplements are in line with the federal Medicare guidelines, but there are so many independent insurance companies that offer supplemental insurance plans, as well. You might be surprised to learn that when it comes to Medicare and other insurance needs, the state of Texas is actually on the consumer’s side. This is rare and something that you definitely need to take advantage of. There are many benefits to having supplemental coverage, including:

-Coverage for a wider array of medical expenses and potential healthcare costs. You will be able to rest assured that more services are covered than you have without supplemental coverage.

-Affordability. You will always spend less on Texas Medicare supplements than you would on healthcare expenses, even if you are relatively healthy. It’s better to have coverage and not need it than to not have coverage when you do need it, after all.

-Access to private insurance plans that give you a wide selection of coverage and options in your supplemental coverage. You can easily pick and choose like an a la carte menu, no matter what you are looking for.

These are all advantages that you can get from Texas Medicare supplements if you take the time to check them out and invest in them for yourself. Be sure that you aren’t investing in a supplemental plan that offers a cheap ‘teaser’ premium and then raises the rate in a year or two as you age. Also, avoid guaranteed acceptance policies when you can because insurance is already expensive in Texas and you’ll easily pay twice or three times as much for a guaranteed acceptance Medicare supplement. It is a viable option, but it is only a last-ditch effort option because you should be able to find cheaper options. Whether you live in the heart of Austin or the outskirts of the panhandle, you are in a great state for Medicare supplemental products.

For more information on Texas Medicare supplements visit www.MedicareInsuranceTexas.com today!

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Texas Medigap – What You Should Know

Posted on by Charles Peeler

Texas Medigap coverage is designed to supplement traditional Medicare coverage. All states offer some form of supplemental insurance for Medicare enrolled customers. Of course, in Texas, there are a variety of different insurance companies that you can choose from to get your supplemental insurance from. Blue Cross Blue Shield of Texas is by far the most popular company for Medigap coverage in Texas, but they are not the only option that you have and most time they are not the lowest cost option. You have to look for what policies are available and which companies have the gap insurance that suits your needs because that is what matters most.

Texas Medigap policies are the same in Dallas as they are in Houston, and everywhere else in the state. They say that everything is bigger in Texas, and that includes your Medicare and Medigap insurance options. There are dozens of companies and policies to choose from when traditional Medicare isn’t enough, making it easy for you to get the coverage that you deserve every single time. You really need to look at the different plans so that you know what your options are and what the limitations on coverage will be.

For example, you might get Texas Medigap coverage that offers guaranteed acceptance. This can be great, but you have to remember that it will be much more expensive than a policy where you can get accepted because of your good health or other elements. High risk insurance like guaranteed acceptance is available to Texas residents as a unique product, but it is the most expensive option out there and should be your last-effort insurance option. Look at different guidelines for insurance companies that offer Medigap coverage because some companies have more lenient rules than others when it comes to coverage and acceptance.

Texas Medigap coverage is available to anyone who is eligible for Medicare coverage. Because Medicare was never designed to be all-inclusive, people need options. In Texas, people have a lot more options than they realize. This is one state where the Department of Insurance doesn’t sit idly by and let the insurance companies run the show. Texas insurance laws are in place to protect consumers first and foremost and offer everyone the best chances of getting the healthcare coverage that they need. With so many Medigap policies to choose from and the law on your side, getting the coverage that you deserve has never been easier and you need to take advantage of that.

For more information on Texas medigap plans visit www.MedicareInsuranceTexas.com today!

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Aetna Back to Playing Nice with Texas Medicare Supplement Brokers

Posted on by Charles Peeler

Aetna sent out a blast email to the agents marketing senior Texas Medicare Supplement plans on Friday! Yea, Aetna is back in the game… All great, Right? Wrong. Sorry, they wont be a player. Here’s why.

I downloaded and ran their new rates, very disappointed and only a fool of an agent would sell them. Their rates are running some $30 to $50 a month higher. That just wont work. Texas Medicare Supplement plans are all the same and operate under very stringent rules as set up by the federal and state government. This is to ensure benefits are the exact same and claims get paid, with that the goal of every agent or broker should be to provide the lowest cost plan. Period.

So, my view is until such time as Aetna comes more in line with the market like Mutual of Omaha company United of Omaha or Gerber Life they will never be sold by me in our great state. If that ever changes I will be the first to provide my clients with their products.

For more information on Aetna Texas Medicare Supplements visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplements – Review Your Options Carefully

Posted on by Charles Peeler

Texas Medicare supplements are available in 10 different modernized plans for residents of the state who have Medicare coverage. Companies like Mutual of Omaha, Blue Cross Blue Shield of Texas and United HealthCare offer plans to name a few. There are also private insurance plans offered by various insurance companies throughout the state to help you make sure that you get the coverage that you need. You will have to take the time to review your options very carefully and make sure that you apply for the right policy to get the most from your insurance coverage. Some people take supplemental insurance shopping like a gamble, just picking whatever policy seems right, but this isn’t the way to do it.

When you are shopping for Texas Medicare supplements, whether you live in Houston, Dallas or the rural areas of West Texas, you need to be very careful in your decision. Supplement plans allow you to have the coverage that you need so that you can visit any doctor or hospital, which is an advantage that you don’t usually get from private insurance plans in many cases. Plus, Texas has patient protection laws in place to make sure that all insured customers are getting the benefits that they deserve and that insurance companies aren’t taking advantage of anyone.

You should know that Texas Medicare supplements and Texas Medicare Advantage plans are different options, as well. This is important because you have either to choose from and one might be better for you than another. If you are confused, get in touch with an insurance agent who understands Medicare and supplemental insurance plans so that you can get the help that you need in choosing the best insurance coverage to add to your existing Medicare coverage. These agents don’t cost you anything and are a great asset to have when you’re shopping for insurance so you should take advantage of them when you need a little assistance.

Texas Medicare supplements are going to offer something for everyone, but you really need to make sure that you’re getting the right thing. Look at what your Medicare covers, where you need additional coverage, and which supplement plans seem to best fit the gaps in your insurance coverage. Then, you will be able to enjoy your retirement and trust that you are protected with the coverage that you deserve, no matter what you might need. In Texas, the state is on your side when it comes to insurance but you still have to be an informed consumer to get the right Medicare supplements.

For additional information on Texas Medicare supplements visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplement Plans – How to Choose a Plan

Posted on by Charles Peeler

Texas is home to many big things. Unfortunately, too many people assume that this generalization applies to insurance costs, as well. A lot of people won’t even consider Texas Medicare supplement plans because they assume that the cost is too high. The reality of the situation is that you will easily spend more on your health insurance costs just because you don’t have the coverage that you really need. And because Texas is focused on helping the consumer when it comes to insurance, it is always going to be easy to find what you are looking for and something that you can benefit from.

Texas Medicare supplement plans are similar to the plans that you have to choose from in other states, but it will be your decision to find the best one. If you are trying to choose a Medicare supplement, you need to make sure that you know what you need. Start by finding a plan that covers the things that you are most missing with Medicare. Some people don’t pay a lot of attention to the coverage that they do have with Medicare, but you need to know if you are going to get an effective supplement plan.

Texas Medicare supplement plans come in all shapes and sizes so that you should have no trouble finding something that fits your needs like a glove. Think about the coverage that you are missing, the coverage that you wish you had, and the insurance that you would get the most use from. That will make it easier for you to choose the right Medigap coverage. For example, if you need more coverage for doctor visits or extra catastrophe coverage, find a supplemental plan that features that element so that you are protected.

Like all insurance products in Texas, Medicare supplement plans are going to give you even more benefits than you would expect in most states. The Texas Department of Insurance is doing everything to make insurance work for consumers, not insurance companies, including with Medicare supplement plans for people who need a little extra coverage. Be sure to take the time to think about what you need and review your options carefully. If you are uncertain or you just need a little help, feel free to get involved with an agent who can help you find the best supplemental coverage. Agents are free, so you might as well take advantage of them when shopping for insurance, after all.

For more information on Texas Medicare supplement plans visit us at www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplement – Tips and Information

Posted on by Charles Peeler

Understanding Medicare is difficult enough, but when you are trying to buy supplemental coverage, it can get even more complicated. There are so many different plans to choose from and a variety of ways that you can get more protection than Medicare offers. That can often get confusing for people, which is why you need to know what you are dealing with. A Texas Medicare supplement is similar to any other state’s supplemental coverage, but it has a few more perks and insured people have some better laws on their side to protect them from insurance companies.

If you choose a private Texas Medicare Advantage plan instead of a Texas Medicare supplement plan, having these laws on your side will make a big difference. You can also choose more affordable plan options because Texas has plenty of budget-friendly options in place to make sure that everyone can get health insurance when they need it. Not many states are standing up for their residents like Texas does when it comes to insurance, and it is something that everyone needs to take advantage of when you are shopping for a Medicare supplement plan or any other kind of insurance.

There are 10 standard Medicare supplement plans in Texas to choose from, along with the endless options that you get from private companies through Medicare Advantage plans. By taking the time to review all of these plans, you will have a much better idea of what coverage is going to be best for your needs when there are gaps in your Medicare insurance. You can’t just look at one or two plans and be satisfied that you are getting the right coverage because there are so many different options and you deserve the opportunity to explore each one and see what it has to offer.

Some states have limits or restrictions on Medicare supplements outside of the modernized plans. However, Texas has created provisions that actually work in favor of the insured customer and provides people with many more options for a Texas Medicare supplement in addition to the standard plans that are featured in every state. Because you have so much working in your favor as a resident of Texas, you really need to make sure that you take the time to explore all of your options and get the best insurance. You’re being offered something that most people don’t get—a state that is on their side when it comes to insurance. Use that any way that you can.

Last thing to keep in mind: a Medicare supplement Plan F from Mutual of Omaha for example will be the exact same benefits as a Plan F from say Blue Cross Blue Shield of Texas, all due to federal laws. All Medicare supplements are the exact same as long as the plan type is the same. Now its all about price.

For more information on Texas Medicare supplement plans visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Plans – Getting Coverage in the Lone Star State

Posted on by Charles Peeler

Texas Medicare plans are a little different for everyone, as they are in every state. However, you have to know what you are dealing with because you don’t just automatically get coverage once you turn 65. You have to actually go through the process of finding the coverage, understanding the plans, and enrolling in the Medicare benefits that you want to have. Texas Medicare coverage includes Part A (hospital coverage) and Part B (other medical coverage) and Part D, or prescription drug plans. You also have to consider supplemental coverage, but that comes later.

In the state of Texas, Medicare plans work quite simply. With hospital coverage, you have a certain deductible that you have to meet first. For example, you might have a $1132 deductible on your Part A coverage. Once the deductible is met, you will pay much less for your hospital stays. You might have to pay $283 per day after the first 61 days, and then $566 after 91 days. After 151 days (almost 6 months), coverage will run out. This is basically how Part A works. With Part B Medicare benefits, you will pay an average of $115 per month for this coverage, which can vary depending on your income.

The payment that you make on Part B coverage will cover some testing and doctor visits, and this is required if you are going to purchase Texas Medicare supplement plans. In Texas Medicare plans, Part D is simply known as Texas Medicare Part D, and is prescription coverage that is offered by private insurance companies. Most companies have a premium penalty for people who wait to sign up for longer than a few months after they become eligible for the coverage, so be careful of that when you are shopping.

Of course, if you’re like most people in your age group, you probably started getting Medicare junk mail by the truckload well before you were eligible for coverage. Most people end up receiving at least 20-30 different items in the mail trying to sell them Medicare supplement plans before they are even eligible for Medicare coverage. Don’t be daunted by all this junk mail because you can find everything that you need to know about Texas Medicare plans online, including an agent who can help you make the best decision. Texas Medicare solutions are easy to understand if you are willing to do a little research, and coverage is more affordable than most people realize, most times substantially lower than the price they have been paying for a plan before they were 65 years old.

For more information on Texas Medicare plans visit www.MedicareInsuranceTexas.com today.

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Texas Medicare Insurance – How to Get the Right Coverage

Posted on by Charles Peeler

When you enroll in Texas Medicare insurance, you have three parts of coverage to consider. Part A is your free hospital insurance and is provided to people without a charge because it is simply designed to be that way, and the fact you paid into the system for all those years.. This coverage is not unlimited, by any means, and it does include a deductible. Also, the deductible is not yearly, it’s per benefit period. This is the most basic Medicare coverage and almost everyone enrolls because it doesn’t cost a dime. This coverage will protect you in the event of skilled nursing care, hospital stays, hospice care, and a few other types of treatment, but not all-inclusively. Usually, you will only be partially covered in these areas.

With Texas Medicare insurance, like in other states, Part B is optional. This is one that must be purchased from the government and it comes out of the social security check that you get from the government. Most of the time people who enroll in Part A are automatically enrolled in Part B, but you have the opportunity to confirm or deny the benefit. In Texas, the current monthly cost for 2011 is $115. Some people will pay more if they have more income, so it is important to talk to social security and understand what that charge will be in your situation. If you decide not to purchase Part B when you are eligible there is a fairly hefty financial penalty that is assessed if you ever decided to purchase Part B, also there are only certain times of the year you can elect to purchase Part B.

Part B coverage takes care of doctor visits, medical tests, and other medical bills outside of hospital and catastrophic coverage. If you are going to invest in Medicare supplements, you have to have Texas Medicare insurance that includes Part B coverage first. There is a $162 deductible for Part B coverage and 80% of the expenses are covered with a 20% copayment. No matter how many medical bills you think you’ll have, this is still more affordable than paying out of pocket.

Another type of coverage to consider is private prescription coverage, or Texas Medicare insurance Part D. This policy is NOT required, but private companies will charge a penalty to your premium if you wait to sign up after becoming eligible for Medicare coverage. Part A is a given when you are getting Medicare coverage. To get the most complete protection, you should also enroll in Part B and Part D. Of course, you should look into Medicare supplements to add more protection to your coverage and consider Medicare Advantage plans as another alternative to fill in the gaps that Medicare leaves. Basically, there isn’t a lot to do but choose whether or not you want coverage with Texas Medicare, and for the affordable price you should definitely choose coverage.

Again, in order to purchase a Texas Medicare supplement policy you must have both Part A and Part B of Medicare and in order to avoid an additional premium penalty or to have drug prescription coverage you need to select Part D. For more information visit us at www.MedicareInsuranceTexas.com .

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Texas Medicare Insurance – Getting the Coverage that You Need

Posted on by Charles Peeler

Texas Medicare insurance is similar to the coverage that you’ll find in other states for Medicare coverage, but there are a variety of different rules and regulations that are applicable only to residents of the state of Texas. Medicare coverage is designed for people who are over the age of 65, who have end-stage renal disease, and for those who have certain disabilities. This coverage is a federally funded program that will pay for some healthcare needs, but not all of them. This is why Texas Medicare supplement insurance, also known as Medigap plans exists, because Medicare was never designed to be all-inclusive.

In the state of Texas, you sometimes have to enroll in Medicare on your own. The state does not always automatically enroll you once you turn 65 unless you are already on railroad retirement or SSI disability benefits of some kind. You have to take the initiative to learn about Texas Medicare insurance and enroll yourself in the right plan for your health needs. Another element that is different is that you have the option to delay your Medicare Part B coverage until you retire if you are still working at age 65 and want to take advantage of some of your benefits, but have employer group coverage of some kind.

Texas Medicare insurance can get confusing, but there is help out there when you are looking for support with your enrollment and figuring out what you need. Agents are available, free of charge, and will help you figure out the best way to enroll in Medicare plans in the state of Texas. You have to make sure that you learn all the rules and regulations of Medicare and that you can get the policy that suits your needs within the realm of Texas Medicare offerings.

Even though this is a federal insurance program, you have to remember that the laws in Texas are different than in other states. Therefore, it is important for you to review the regulations and guidelines of enrolling in Texas Medicare insurance so that you can make sure that you are getting the right coverage and supplemental insurance that you need to protect yourself after retirement or when you are disabled. No matter where you live in Texas, all plans work the same and you’re not going to be penalized for all the personal factors that affect private health insurance rates. Make sure that you learn the ropes of Texas Medicare so that you can get the most from your enrollment and have the protection that you deserve.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today.

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Medicare Supplement Quote Texas – If You Need a Medicare Supplement Quote, Texas Insurance Agents are Standing By

Posted on by Charles Peeler

If you need a Medicare supplement quote, Texas insurance agencies can help you find the right coverage for your needs. Basic Medicare coverage does not cover all medical costs. Medicare Part A provides coverage of hospital coverage. Medicare Part B provides coverage for doctor’s costs. Each of these Medicare parts does not cover everything you encounter in medical costs. You have to meet a basic deductible if you go into the hospital or visit the doctor in a given year. You have to pay 20% of every doctor visit after you meet the annual deductible. This is just the beginning of costs you need to cover.

When you ask for a Medicare supplement quote, Texas insurance agents will need a bit more information. There are actually multiple supplement plans available. The government sets out guidelines on what these plans must cover. The insurance companies that provide these policies must meet those guidelines. The most apparent difference to the consumer is the actual cost of the policy. Some of the supplement policies cover more of the out-of-pocket expenses while others do not. For example, Medicare Supplement Plan A covers the Part A coinsurance costs as well as the Part B coinsurance and copayments. It helps cover the costs of hospice care and preventative care coinsurance. That does not vary from one insurance company to another.

All Medicare supplements cover the items included in a Medicare Supplement Plan A. But, each plan has its own inclusions. For example, Supplement Plan F covers everything that Plan A does, and more. It includes skilled nursing coinsurance, deductibles for Part A and Part B, Part B excess charges, and foreign travel coverage for emergencies. Supplement Plan G covers much the same as Plan F with one considerable difference. It does not cover the Medicare Part B deductible. When requesting a Medicare supplement quote, Texas insurance brokers need information on what coverage you need.

However, you do not need to worry about making these decisions yourself. These insurance brokers can help you evaluate the various policies and make the right decision for yourself. The most important thing you can do when looking for a Medigap policy is work with a good agent in the process. When you request a Medicare supplement quote, Texas agents are there to help. Use their expertise to your advantage. You will save time, money, and hassle in the long run if you do.

For more information or if your looking for a Medicare supplement quote in Texas visit www.MedicareInsuranceTexas.com today!

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Medicare Supplement Texas – Getting the Information on Your Medicare Supplement, Texas

Posted on by Charles Peeler

Are you paying too much for your Medicare supplement, Texas residents? That is what thousands of Texans do every year. There are dozens of insurance companies in our state that want your business. They compete with each other. You have the right to shop around and find the best deal for your supplement coverage. You will find that the supplement policies are the same no matter which company you select. But, when you compare the range of prices they charge, you will see a real difference. Don’t pay too much anymore and shop around.

Did you select the right Medicare supplement, Texas seniors? Many people do not really understand all the benefit options available with the ten different policies available on the market today. They just selected whichever one looked the best at the time they signed up. They may not need that coverage or they may need additional coverage not on their current policy. Everyone should take time each year and review their current Texas Medicare supplement policy. It may surprise them to find they need a different policy and they can get it at a better price if they shop around.

Do you know what you need to know about your Medicare supplement, Texas elders? As said before, many people do not understand all the benefit options. There are ten different policies and they can be confusing for most people. You need to understand the basic benefits that all policies provide. Then you need to understand each of the additional options available in various policies. Once you have this information, you can make an informed decision on which policy works for you and your particular situation. The basics are available in Plan A. The rest of the policies offer other options.

Did you consult with an insurance broker in selecting your Medicare supplement, Texas seniors? Many people think that talking to an insurance broker will cost them more money. But that is not the case. You pay nothing more than you would through an online impersonal website. The best thing about using a broker is that they can give you advice suited to your individual situation. An online website cannot consider all the factors. And each person’s situation is different from everyone else’s. You need to use this expertise for you own good. You can end up saving a great deal of money and finding a policy that fits your needs. That is what you want to happen when you search for insurance.

For more information Medicare supplements Texas visit www.MedicareInsuranceTexas.com today!

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Medicare Supplement Insurance in Texas – Understanding the Coverage of Medicare Supplement Insurance in Texas

Posted on by Charles Peeler

There are currently ten choices when it comes to Medicare supplement insurance in Texas. These are Medigap plans A, B, C, D, F, G, K, L, M, and N. Each one of these provides coverage for different out of pocket expenses that traditional Medicare does not cover. One of these charges is Medicare Part A coinsurance. Medicare covers the cost of the first 60 days you are in the hospital. After that, you start paying part of the bill yourself. This coinsurance can be quite expensive when you are in the hospital for an extended length of time. All Texas Medigap plans provide coverage for the coinsurance costs up to 150 days. They also provide coverage for an additional 365 days in the hospital.

Medicare Part B covers up to 80% of the costs for doctors and other medical service providers. However, that leaves 20% to the patient. And that is on top of an annual deductible. All Medicare supplement insurance in Texas must provide coverage for the 20% coinsurance requirement. For mental health services, they must cover up to 50%. These policies must also cover the cost of the first three pints of blood a patient might require. Basic coverage does not cover the annual deductible for Medicare Part B, however. You can get that coverage through Medigap Plans C and F.

Did you know that Medicare Part A has a deductible as well? It is also not included in the basic coverage of Medicare supplement insurance in Texas. You can get that coverage through Medigap Plans B, C, D, F, G, and N. You can get partial coverage of that deductible with Plans K, L, and M. Medicare Part A also provides coverage for hospice care, but there is an associated coinsurance or copayment involved. You get coverage for this through all policies. But, some policies do not cover the coinsurance involved with a stay in a skilled nursing facility. You need Plans B, C, D, F, G, M, and N for full coverage and Plans K or L for partial coverage.

As you can see, there are many complexities when it comes to Medicare supplement insurance in Texas. In order to get through the many twists and turns, it is vital to speak with a trained insurance broker who understands these complexities. The broker can help you find the policy that meets your needs at a price you can afford.

For more information on Medicare supplement insurance in Texas visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – Dispelling Some Myths about Texas Medicare Insurance

Posted on by Charles Peeler

Myths abound when it comes to Texas Medicare insurance. Here is some information to clear up some of those myths. The first myth is that Medicare supplement policies differ from one company to another. All policies which offer supplemental coverage to Medicare must conform to strict guidelines offered by the federal government. The feds have outlined ten policies which insurance companies can offer to consumers. These plans go by the simple names of Plan A, B, C, D, F, G, K, L, M, and N. Each policy has a strict program of benefits that each company must provide. The real difference comes to price.

The second myth to dispel is you do not need a Texas Medicare Insurance policy. There is no law that forces you to purchase a supplement policy. Some people receive additional medical coverage through private policies and other sources. They may have enough coverage to offset the out of pocket expenses offered by traditional Medicare. However, for many people, supplement insurance makes sense. A simple accident or illness can lead to thousands of dollars in out of pocket expenses, if you do not have a supplement policy in place. You need to look at your own situation to determine if you need a policy or not.

The next myth to dispel is that prescription drug coverage is part of the Texas Medicare insurance supplements. When Medicare Part D became available, all prescription drug coverage through supplement policies stopped. If you want prescription drug coverage, you need to purchase a Part D policy through a qualified insurance company. These policies require a separate premium, deductible, and copayments from supplement policies. You need to factor in this extra cost when looking at supplement policies as well as prescription drug coverage through Part D policies.

The final myth to dispel is you can save money if you purchase Texas Medicare insurance supplements only using online quotes. Many people have concluded that insurance brokers cost more than using online quotes. That is not true. Insurance companies offer policies in the state of Texas based on certain criteria and rates are the exact same regardless of buying online, direct or working with a professional. That’s state law. You can get better advice and a wider range of quotes if you use the services of an insurance broker. You can get an idea of how much insurance is through online quotes. But, an insurance broker can help you wade through the confusion and find the right policy for you.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Supplements – Can You Answer These Questions About Texas Medicare Supplement Insurance?

Posted on by Charles Peeler

The first question is “Is Texas Medicare supplement insurance different than policies offered in other states?” The answer is no. The federal government provides strict guidelines on what each type of supplement plan offers. So if you get Supplement Plan C from one company, it is the same as every other Plan C offered by other insurance companies. The biggest difference you will see is the amount of money you put out every month for premiums. And that difference can be significant from one company to another. It is in your best interest to shop around before choosing a policy.

The next question is “What determines the premium prices you pay for Texas Medicare supplement insurance?” The answer is location, health, and age, among others. Private companies use these criteria to determine their supplement plan premiums. Urban dwellers pay more for insurance than most rural residents do. Suburban dwellers are somewhere in between. Health also contributes to premium prices. If you are in poor health, you will pay a higher premium than someone in better health will. One thing to note is health history or current medical conditions can not be any factor when a senior is entering Medicare for the first time or in some other guaranteed issue period. Age is another factor. As you age, you pose a higher risk to the insurance companies. They reduce their risk with higher premiums.

The third question is “What are the differences between the various Texas Medicare supplement insurance policies?” The differences between the various policies can be subtle or significant. All plans include a basic set of the same benefits. These are items such as coverage for Part A coinsurance on hospital costs, Part B coinsurance on everything but preventative care, the cost of the first three pints of blood each year, and covering coinsurance on Part B preventative care. Other plans offer additional benefits in different combinations. These benefits include hospice care coinsurance, skilled nursing facility coinsurance, Part A deductible, Part B deductible, Part B excess charges, at-home recovery costs, and preventative care not covered by Medicare. Far and away the most popular Texas Medicare Supplement plan is Plan F as this plan offers folks the most protection and in most cases everything including deductible, co insurance and extra charges are paid in full, resulting in no money out of pocket for seniors.

The final question is “How can you get the best deal on Texas Medicare supplement insurance?” Your best option for getting a good price on a supplement plan is to speak with an independent insurance broker. The independent broker has access to multiple insurance companies. The broker can examine all the policies and give you the best price on a policy that fits your needs. Brokers are also charged with assisting you throughout your time on the policy in the even a problem ever comes up. A good broker will also monitor the policy throughout the year to ensure the rate you are paying is in line with current market conditions. When looking for a Medicare supplement, your first step should be to contact a broker and have the broker pull quotes. You can get it done quick and easy.

For more information on Texas Medicare supplement insurance visit www.MedicareInsuranceTexas.com today!

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Medicare Supplement Texas – Understanding the Differences in Medicare Supplement in Texas

Posted on by Charles Peeler

If you are looking for a Medicare supplement in Texas, you need to understand the differences between policies. The first thing you need to understand is that the various Medigap policies are all the same if they have the same letter designation. So a Medicare supplement Plan A at one company is the exact same policy as a Plan A of another company. The only difference is the price you end up paying. Now, Plan A supplement insurance is not the same as Medicare Part A. To understand all the differences between the supplement policies, you need to start with the basics.

The basic Medicare supplement or Texas MediGap insurance policy is Plan A. Plan A covers all the basics required by the federal government in Medigap plans. It covers coinsurance for hospital stays between 61 and 150 days. It provides 365 additional days of hospital coverage over the 150 covered by Medicare. It handles 20% of doctors’ bills and 50% of mental health services. It has to cover the first three pints of blood as well. All other supplement plans have this basic coverage included. The other policies add additional benefits for covered individuals.

Medicare supplement Plan B provides coverage for the Medicare Part A deductible in addition to the basic requirements in Plan A. Medicare Supplement Plan C builds on the coverage of Plan B. In addition to the Part A deductible, Plan C covers skilled nursing home costs for 21 to 100 days, the Medicare Part B deductible, and coverage for up to 80% of emergency medical expenses in a foreign country. Plan D is a bit different from Plan C. It covers basic benefits as well as Part A deductible, foreign travel emergency coverage, and skilled nursing home care. In addition, it also covers at home recovery costs. As you can see, evaluating a Medicare supplement in Texas requires knowledge.

In addition to those supplements, there are also Medicare Supplement Plans F, G, K, L, M, and N to consider. Each of these plans provides other combinations of coverage for things such as Part B excess charges and other out of pocket expense limits. Some come with co-payments required for certain medical services. None of these plans helps offset the cost of prescription drugs. There are other plans called Part D for your drug coverage.

Another way to keep things straight is this: Texas Medicare Supplement plans will be called “Plan” and your coverage provided by the federal government is called “Part” like Part A, B, or D. This confusing information is explained in greater detail by reviewing Texas Medicare Eligibility information found all over the internet.

Look, we deal with this stuff all day and are used to all the confusing little letters the government uses for that reason you need the help of a good insurance agent when consider a Medicare supplement in Texas. With so many options, it can be very confusing. It can also cost you more money than necessary if you make the wrong choice and sometimes those choices are with you until you no longer need Medicare and in that case you won’t be around to discuss them.

For more information or to get a Medicare supplement in Texas quote visit www.MedicareInsuranceTexas.com today!

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Medicare Insurance Texas – Understanding Medicare and Why You Need Supplement Insurance

Posted on by Charles Peeler

When it comes to Medicare insurance, Texas seniors can have some confusion. This is a basic guide to the four types of Medicare coverage and their limitations. The first type of Medicare coverage is Part A. Most people know that Part A covers the cost of hospital care. But, it also covers stays at skilled nursing facilities, hospice, and home health care. This form of Medicare covers all the costs for a hospital stay until the 61st day. At that point, the patient has to start picking up part of the tab. After 150 days, the patient has to cover the entire tab. Each year, a patient must cover the Part A deductible before Medicare picks up any costs.

Medicare Part B covers the cost of medical services not related to a hospital stay. This includes doctors’ services, home health care, outpatient services, and other related medical services. The types of services covered by Part B must be medically necessary or in the form of preventative care. This coverage does not cover voluntary services deemed medically unnecessary. Part B coverage has an annual deductible attached to it. When looking at Medicare insurance Texas residents need the best information.

Patients also have to cover Part B excess charges. According to Medicare law, doctors do not have to accept the amount Medicare considers a fair charge. The doctor has the option of billing the patient for up to 15% more than Medicare considers a fair charge. Since Medicare only covers 80% of these charges anyway, the patient must cover the 20% plus the excess charges the doctor puts on top. For example, if the doctor performs a procedure for which Medicare offers $100, the doctor has the option of charging $115 for the procedure, or 15% above the Medicare allowance. Medicare will pay 80% of the $100, or $80. The patient must cover the $20 left over, plus the additional $15 the doctor charged on top. In Medicare insurance, Texas seniors need to understand these nuances.

Two other types of Medicare exist. Part C Medicare is an HMO type option for those on Medicare. These plans are also known as Advantage plans. Texas Medicare Part D is the prescription drug coverage. Private insurance companies provide administration for Part C and Part D using federal guidelines for coverage.

Most seniors elect to go with some type of Medicare Supplement Insurance also known as  Medigap coverage, these plans will fill in all the holes left with your traditional coverage offered from the government. When it comes to Medicare insurance, Texas residents will find it is important to find the right coverage for your needs. Since all have premiums, cost is a very important factor.

For more information on Medicare insurance Texas visit www.MedicareInsuranceTexas.com today!

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United of Omaha Changes Texas Medicare Insurance Plan N Rules

Posted on by Charles Peeler

Notice was given late last week on the new underwriting requirements for United of Omaha Texas Medicare Insurance Plan N, the one that had almost no underwriting requirements since its inception in June of last year. Expected? Yes, you just cant keep allowing almost every single health risk to come onboard before sanity sets in.

United of Omaha, a Mutual of Omaha company was slick in their introduction of the new Texas Medicare Insurance plan, they would take almost anyone unless you had ESRD regardless of age or other underwriting factors. Although they are still using a limited underwriting guideline effective meddle Febuary there are now a few health questions. This plan will still have more relaxed requirements so those getting hammered with rate increases this could still be a valuable option to save prescious fixed income dollars.

If there are additional developements on this plan I will keep you posted.

For more information about Texas Medicare insurance visit www.medicareisurancetexas.com today!

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Texas Medigap Plan N – A Plan to Help Those on Medicare

Posted on by Charles Peeler

In recent years with the changes that have been made to the way Medicare supplemental insurance plans are handled, many more people have become interested in what they offer. One Medicare supplemental plan that many have decided to purchase is the Texas Medigap Plan N. This plan offers many advantages that Medicare is missing. One of the main advantages of this plan is that it has smaller co-pays for regular doctor visits and emergency room visits. The fees for these services on this plan are a maximum $20.00 and $50.00 respectively. For someone who is on a fixed income, as many seniors and disabled persons are, this can be a tremendous help in their day-to-day living expenses.

Many times seniors and those who are disabled pay frequent visits to a number of physicians on a regular basis. They may need to see their general practitioner as well as a host of other specialists and medical persons who deal in only one area at a time. Unfortunately, paying for all these varied visits each and every time can result in high expenses for them. By obtaining the Texas Medigap Plan N, these expenses can be drastically reduced. In addition, this plan will also cover the deductible for Part A, nursing home fees as well as foreign travel emergencies. This can also result in much needed aid for those who have Medicare.

There are many other plans that one can choose from to supplement their Medicare insurance, each having some advantage over the other. Plans such as Texas Medigap Plan N offer a wide range of services, whereas other plans concentrate on certain areas like prescription drugs or hospital stays. Each has a benefit to a certain group of Medicare recipients. The key is in finding which plan will work the best in your unique situation.

In most cases Plan N has lower premiums than the popular Plan F with the major differences being of course the small co pay but also Plan N requires the consumer to meet the Part B deductible of $162 for 2011. Plan N also does not offer excess charge payments which Plan F does pay, however as long as you see a provider that accepts Medicare you will not see any excess charges. When you add it all up and compare the prices savings you may see Plan N as the best bet.

Although underwriting does become a factor in any Texas Medicare Supplement Insurance policy you purchase outside your either initial enrollment period or some other guaranteed enrollment period, United of Omaha has a different take on Plan N underwriting, United, a Mutual of Omaha company is issuing these policies with almost no medical underwriting for a limited time period but will soon change that to what I call limited underwriting. In either case this is a blessing for those consumers that seem trapped on their current plan that has increased rates on the senior.   

No matter what type of plan a person decides on whether it is the Texas Medigap Plan N as mentioned here, or one of the other plans, they can be assured that the plan is being administered according to Federal and State regulations. In the past, supplemental plans were not always handled in a legitimate way, but recent years have brought about significant changes in the way these plans are now administered. This has resulted in plans that are now more reliable and that a person who is on Medicare can feel confident about purchasing. For those who are on Medicare this can be a tremendous asset to their peace of mind.

For more information on Texas medigap Plan N visit www.MedicareInsuranceTexas.com today!

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Texas Medigap – Confusing Coverage Solved

Posted on by Charles Peeler

For those on Medicare insurance many things have changed in recent years. There were changes made that regulate the type of supplemental plans that one can have with their Medicare insurance. These supplemental plans or Medigap plans are designed to protect the interests of those who use Medicare as well as to help in covering some of the charges that are left open in the Medicare program. Unfortunately, these plans have created much confusion. It is confusing to know what type of plan covers what services and which plans a person is eligible for. This can lead to much confusion about the types of Texas Medigap plans one should look into purchasing.

There are ten basic types of plans that have been approved by the government. The most basic of the Texas Medigap plans is the Plan A. This plan must be offered in all states according to federal laws. In general, this plan covers payments that a person would be responsible for in the hospital. With Medicare after 60 days, your insurance coverage will stop covering your stay, and Plan A will pick up after that.

Texas Medigap Plan F is generally considered the best of the plans and in most cases it might be the most costly. It covers all of the deductibles one must pay for out of pocket with Medicare. This covers things such as hospital expenses, hospitalized care, coinsurance charges for certain days in a nursing home, doctor fees that are over authorized amounts, at home recovery care, preventative care and other types of charges. This plan is the most comprehensive of the plans.

In most cases, if a person is not familiar with the rules regarding Texas Medicare supplement insurance and these plans they will need to get assistance before deciding on any Medigap insurance plan. Many resources online can help you in trying to understand what you need and what it will cover. However, in many cases just reading the information may not be enough. Medicare and the laws governing these supplemental plans are very confusing so it may be more practical to speak to an insurance professional, such as an independent broker, who specializes in this type of insurance. They can gather information from you about your current medical situation, and the types of physicians you currently use. From this information they can help you decide which type of plan will be best for you and will fit into your budget. They can then help you get a policy that provides what you need at the best possible price.

For more information on Texas medigap insurance plans visit www.MedicareInsuranceTexas.com today!

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Texas Medigap Plan F – Adding Benefits to Medicare

Posted on by Charles Peeler

For those who are on Medicare, the recent changes to the way Medicare supplemental health insurance is handled have been quite beneficial. They have made it much easier for a person to obtain a supplemental policy, and be assured that it will do what they are told it will do. For instance, when one buys a Texas Medigap Plan F policy, they now have the assurance that it will actually cover 100% of the charges that are made to them from a doctor who does not accept Medicare assignment.

This is a tremendous change from the way that some insurance companies operated in the past. In the past, some unethical insurance sales people would make promises to their customers of things that a plan could not actually do. This made it very upsetting to many who purchased plans that did not perform as promised. Now with the regulations that have been imposed by Federal and State Laws, when someone purchases a plan like Texas Medigap Plan F or Texas Medigap Plan N, they get exactly what was promised.

There are several types of plans that one can purchase to supplement their Medicare insurance. From A to N, but one of the most popular is Texas Medicare Supplement Insurance Plans is F. This plan not only will add nursing care benefits, but it also covers the cost of deductibles that Medicare Part B imposes. In addition, it also adds emergency care for those who travel outside of the United States and it covers charges from doctors who do not take Medicare.

For those elderly and disabled individuals who must rely on Medicare insurance to cover their numerous medical expenses, these changes can dramatically impact their everyday life. All of the various plans such as Texas Medigap Plan F offer some kind of benefit to the way their benefits are handled. This generally can result in a savings in out of pocket expenses to those who are being covered. Since many of the people who are using Medicare are on fixed incomes this can be a very big factor in the quality of their life. Savings of any kind can be a tremendous help to someone who is ill or is dealing with some type of disease. With all that they must deal with because of their health issues, the last thing they want to worry with is how to pay for their medical treatments. With supplemental insurances, this stress can be eliminated.

There are 11 modernized plans available to those on Medicare and keep in mind that Plan F is just one of them however it is the most popular and most requested but there are other options. Before you lock in to this plan as the perfect plan for you I suggest you speak with a trusted independent broker to assist you in deciding if this plan is the correct option. It does offer the most security but doing a premium cost analysis would always be a good idea to insure you have the correct coverage, it is also a good idea to review you coverage options every year to guarantee you have the best policy at the best price.

For more information about Texas Medigap plan F visit www.medicareinsurancetexas.com

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Texas Medicare Insurance – Insurance for the Aged and Elderly

Posted on by Charles Peeler

Texas Medicare insurance is part of the federal health care system. This plan was developed in 1965 and put into effect by President Lyndon B. Johnson. The intent of the plan is to aid those who are 65 years old or older in meeting their medical costs. It is also designed to help disable people as well. When the plan was designed, it left some gaps of costs that were not covered or not covered effectively. This resulted in financial burdens for many who used the plan to take care of their medical issues. This was especially true for those who needed long term care or who took expensive prescription medications.

Because of these gaps in the Texas Medicare Insurance plan, the birth of Texas Medicare Supplement Insurance occurred; these policies are obtained from private insurance companies like United of Omaha, Humana and Blue Cross Blue Shield. As unfortunately happens this led to many elderly and disabled persons purchasing policies that did not always match what they thought they were purchasing. The reason this happened is due to the confusion that can arise on what Medicare covers and what it will not. It led to a lot of honest misunderstandings as well as cases of those unscrupulous persons who intentionally misled their customers.

Due to this issue in recent years changes have been made in the way supplemental insurances are set up. This has been a great benefit to those who have Texas Medicare Insurance, as well as those who have Medicare insurance in other states. Now there are modernized master plans for the types of coverage an insurance company can offer to a person who has Medicare. The rules make it clear as to what they can offer and what they cannot. This makes it easier to be sure those insurance companies and agents for that matter are not being misleading or deceitful. 

For those who are on Texas Medicare insurance, these changes can be a wonderful way for them to feel more secure in the supplemental insurance they purchase. No longer do they have to wonder if what they are buying will actually work with their Medicare benefits, they know from the beginning. It is also easier to weed out those insurance companies who were prone to take advantage of someone who simply did not know all the insurance regulations. When a person is on Medicare, they are either ill or elderly and dealing with issues such as these, can be a time consuming bother for them. By having modernized plans that insurance companies must adhere to, they can be assured their supplemental insurance will work with their Medicare and they can focus their time and energy on other issues.

Now, the next issue for seniors, how do you sort through all the available options? Well, regardless of where you live, be it San Antonio, Dallas or Austin the policies all look the same. If you choose a Plan F from one company it will look exactly the same as Plan F from another, it now becomes a game of price. Find you a qualified, experienced broker and allow him to “shop” the rates or find a website like this one that will provide instant quotes online.

For more information on Texas Medicare insurance visit www.medicareinsurancetexas.com .

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Medicare Supplement Quote in Texas – Getting Help with your Supplemental Insurance

Posted on by Charles Peeler

With all of the recent changes in the way Medicare is handled, many are confused as to what they can do to make up for the decreases in the way coverage works. Of course, many know of the various types of supplemental insurances that are available, but they are unsure as to what they need or what they can actually use. Regardless of where you live, be it Dallas, Austin or even El Paso, it can be a bit of a challenge to find what you need and what type of plans are being offered from the various insurance companies. One of the best ways to solve this problem is by seeking out an insurance professional, such as a broker, who can help you in determining what you need and then finding companies who can provide the plans, you need. They can then obtain a Medicare Supplement Quote in Texas from several companies.

This can be a very helpful way to figure out which plan will suit your needs best. Determining the type of Medicare insurance supplement you need can be a bit of a challenge for those who are not familiar with what is available. By meeting with a broker and explaining what type of medical conditions you have and the types of treatments you are receiving they can ascertain which types of supplemental plans will help you the best. Once that is accomplished then it is easy for them to contact various companies for a Medicare supplement quote in Texas. With these quotes available, they can sit with you and go over the various options and the costs associated with them.

This is just one of the benefits of using a TX broker who specializes in helping clients obtain a Medicare supplement quote in Texas. They are also helpful in that they can sit and explain the various plans in a way that is much easier for a person to understand. Many times an insurance company will try to explain things but only lose you in their jargon, by speaking to a broker, you can sometimes get a better understanding of the plans you are considering.

Finding the right supplemental insurance can be a bit overwhelming to many, but with the right assistance in getting a Medicare supplement quote in Texas, the task should be a bit easier. As a result, one should be able to obtain the right type of Texas Medicare Supplemental Insurance that will help them with not only their medical needs but also fit into their financial situation as well.

For more information or to acquire an instant Medicare supplement quote in Texas visit our website!

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Medicare Supplement Quote in Texas – What a Low Quote Can Get You

Posted on by Charles Peeler

Medicare supplement plans are designed to accompany your regular Medicare insurance to offer more complete

coverage.  You will purchase your policy from a private health insurance company.  While this is the case, the plan you sign up for will be regulated by the government.  You need to discover which of the ten plans offered in Texas are right for you and then receive a Medicare supplement quote in Texas to help you narrow down your selection.  It certainly pays to take the time to compare Medicare Supplement Quotes in Texas before you choose to enroll in a plan with one company or another.

Each available Medicare supplement plan in Texas offers at least the most basic kind of coverage and is offered from top notch companies like United of Omaha, Gerber Life and Humana.  Plan A offers only these basics, but all other plans offer these and other benefits to those who enroll in them.  The first of these basic benefits is that your daily copayments in the case of hospitalization are covered from day 61 through 90.  During your lifetime, you are allotted 60 days past the 90 day mark to have your daily copayments met by your Medicare supplement plan.  To make this coverage even more worth it, you will want the lowest premium possible by utilizing your best Medicare supplement quote in Texas.

Also, once all your Medicare hospital benefits have been exhausted, all your hospital charges that are eligible under Medicare will be covered for 365 days during the course of your lifetime.  In addition to hospital benefits, you appreciate hospice coinsurance coverage for inpatient respite care and outpatient drugs.  Plans K L cover these at 50% and 75% respectively, but there are out-of-pocket maximums as well.  Keep in mind that you will need to meet the requirements of Medicare to qualify for this coverage, including presenting certification of terminal illness.  You will appreciate these benefits more if you are paying less for them which is why you should get a Medicare supplement quote in Texas first.

You may require blood during a hospital stay, and all Medicare supplement plans will cover the reasonable cost of three pints of blood.  The last of the basic benefits offered by all ten Medicare supplementary insurance options is that the 20% of costs that are left uncovered by Medicare Part B coinsurance is paid for expenses as long as they are eligible under Medicare.  All these benefits can be yours not on “The Price is Right” but with the best Medicare supplement quote in Texas.

For more information on acquiring a medicare supplement quote in Texas visit www.medicareinsurancetexas.com

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Blue Cross Blue Shield of Texas Medicare Supplement – Trustworthy Coverage at a Low Price

Posted on by Charles Peeler

When it comes to finding the best Medicare supplement for you from a reputable company, you cannot go wrong when you choose a Blue Cross Blue Shield of Texas Medicare supplement plan.  The insurance company has been in operation for over 80 years.  There are very few people who have not heard of Blue Cross Blue Shield and their excellent reputation, both with younger insurance seekers and the over-65 community.  This company has coverage in all 50 states, but if you reside in Texas, you will seek Blue Cross Blue Shield of Texas, one of the 39 independent Blue Cross Blue Shield companies in the US. 

There are already around 100 million people who are insured by this company, many of whom live in Texas.  Whether you are looking for standard Medicare coverage or Blue Cross Blue Shield of Texas Medicare supplement plans, you may be feeling very confused about your selection.  They understands the confusing nature of insurance and Medicare in particular.  That is why they have put together an enlightening information packet to ensure you have all your questions answered before you sign up for anything.  This will be necessary to ensure that you pick the right supplementary plan for you. 

There are many different kinds of plans you can choose from that include various kinds of important coverage like dental, vision, and prescription drug costs.  These do not come standard, so you will want to ask Blue Cross Blue Shield of Texas Medicare supplement insurance providers about your options.  Of course, whether you choose just a standard plan or something more comprehensive, you will save big when you choose Blue Cross Blue Shield of Texas.  They provide cheaper insurance coverage than many other providers, making them a popular choice among all ages of insurance holders. 

If you want an insurance provider you can trust, you will be glad to put your faith in Blue Cross Blue Shield of Texas, a company that has outlived many other insurance companies.  Based on their following and continually low insurance prices, it is clear that the company is doing something right.  You can receive your Blue Cross Blue Shield of Texas Medicare supplement plan coverage by working through a broker to help you choose the best plan for you.  This combined with the useful information you can get from Blue Cross Blue Shield of Texas will prove invaluable in choosing the right plan for you.

For more information on Blue Cross Blue Shield of Texas medicare supplements visit www.MedicareInsuranceTexas.com

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Medigap Policies Available in Texas – Answer to Your Questions

Posted on by Charles Peeler

There are always many questions surrounding insurance.  This is particularly the case with Medicare because most people do not begin looking into it until they approach age 65, which is when they become eligible for coverage unless they fall under categories of extenuating circumstances.  If you have unanswered questions about Medicare and the Medigap policies available in Texas, you are in the right place. 

What is Texas Medigap Insurance?  As the name alludes to, Medigap is additional insurance that covers the gaps left behind by Medicare insurance.  Many people find 80% coverage to be insufficient, especially because copayments and deductibles still exist.  That is why many seniors with Medicare decide to look into the Medigap policies available in Texas so they can benefit from more financial security and less medical bill surprises. 

What are the Medigap policies available in Texas?  There are ten plans sold in Texas.  Letters of the alphabet are used as the names of these plans, which are A, B, C, D, F, G, K, L, M, and N.  Plan F, which is the most popularly sought after plan today, also comes with a high deductible option so premiums can be lower.  These plans are the same no matter what insurance provider you seek.  The government regulates these plans, so once you comprehend what is offered by each plan, you must simply compare rates between companies to make your final selection. 

When can Medigap policies available in Texas be accessed?  In general, the only prerequisite to signing up for Medigap coverage is Medicare Parts A and B.  If you have been able to sign up for these, you can enroll in Medigap.  The open enrollment period begins the first day of the month you turn 65 and lasts for six months.  If you make your purchase of Medigap coverage during this open enrollment period, you cannot be denied coverage based on pre-existing conditions.  Therefore, this is the most beneficial time to sign up. 

What items are not covered by Medigap policies?  Vision, dental, private nursing services, long-term care, and hearing aids are all items left uncovered by Medigap.  However, there are many other categories that are fully covered by the Medigap policies available in Texas which are highly beneficial to those who sign up for this kind of supplementary coverage.  To help you better understand your coverage options, you should seek a broker to work with who can answer all your questions. 

These plans are available from well known companies like United of Omaha, Blue Cross Blue Shield of Texas and even Aetna offer medigap coverage as well as several other major name brand carriers. The biggest tip we can offer: search all your options, get quotes from all the carriers and choose the one that offers the lowest premium. Since all plans are required to be the same from company to company, meaning a Humana medigap plan type F for Texas will look the same as the same plan from a company like United of Omaha. Since there are no differences generally speaking the lowest cost plan will probably best fit your needs. 

We also advise contacting a qualified independent broker to research all your options and assist in the application process.

To learn more about the medigap policies availiable in Texas visit www.MedicareInsuranceTexas.com

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Happy New Year to all Texas Medicare Eligible Boomers!

Posted on by Charles Peeler

Happy New year to all and a special Happy New Year to the new generation hitting Texas Medicare Eligible age. January 1st brings the baby boomers into medicare for the first time. Some reports indicate 11,000 people a day will turn 65 starting today! WOW. Can the system absorb all the new recipients? I sure hope so!

With all the new recipients that will bring more seniors than ever searching for options on their health care needs. That will also bring new and exciting times for guys like me providing boomers with Texas Medicare Supplement ideas and options. Rest assured, we are ready for the challenge as seniors move into their new federally sponsored health benefits. If you need assistance let me know, we will guide you through this important and sometimes confusing time.

Again… Happy New Year and God Bless!

for more information about your Texas medicare eligibilty visit www.MedicareInsuranceTexas.com

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Texas Medicare Supplement Insurance Plans – Explaining Your Options

Posted on by Charles Peeler

There are ten standard Texas Medicare Supplement Insurance Plans.  These plans are utilized in addition to standard Medicare to provide you with better coverage.  Plans K, L, and M have a cost-sharing element and Plans F, K, and L have a high-deductible option to decrease your monthly premium.  While Medicare supplement plans are sold by private companies, they are regulated by the federal government.  Therefore, no matter where you buy your Plan, you will receive the same benefits. 

What are My Medigap Options?

Plan A offers you only the most basic benefits of all Texas Medicare supplement insurance plans.  The benefits offered cover copayments and other costs above and beyond what standard Medicare covers. 

Plan B pays the $1,132 deductible required in the year 2011.  This is the deductible required to receive benefits under Medicare Part A (not to be confused with Plan A supplementary insurance). 

Plan C adds benefits for nursing facility care.  It covers your coinsurance requirement from the 21st day in the nursing home until the 100th day.  It also covers the cost of the Medicare Part B deductible.  Emergency care outside of the United States is offered with this plan as well. 

Plan D does not cover the cost of the Part B deductible, but it offers everything else covered in Plan C plus at-home recovery.  

Plan F is the most popular of all Texas Medicare supplement insurance plans.  It covers everything that Plan C covers, but it adds a benefit for excess charges from Medicare Part B.  100% of the charges made to you from a doctor that does not accept Medicare Assignment will be covered by this plan. 

Plan G offers everything that Plan F does except it will not cover the cost of the Medicare Part B deductible. 

Plan K does not cover 100% like other plans.  Instead, it covers 50% of basic benefits, skilled nursing facility care, and the Part A deductible.  There is an out-of-pocket limit of $4,620 (2010).  Once this amount is reached, the insurance pays 100% of all these parts. 

Plan L is like Plan K, but it covers 75% and there is an out-of-pocket limit of $2,310 (2010). 

Plan M covers basic benefits, 50% of the Part A deductible, nursing home costs, and foreign travel emergencies. 

Plan N is the last of the Texas Medicare supplement insurance plans you can choose from.  It covers what Plan M does, plus co-pays of $20 for doctor visits and $50 co-pays for ER visits are required to be covered by the policy. 

Will I be Working With a Big Name Company?

These exciting plan designs, which are approved by congress, are offered by several big name companies. United Healthcare Texas Medicare Supplement Insurance Plans are one company that offers these plans under the AARP endorsement, but that’s not all, Blue Cross Blue Shield of Texas as well as other strong companies like United of Omaha and Gerber compete for this line of business. United of Omaha is a division of Mutual of Omaha. 

Regardless of which plan you feel is right for you we always advise that you speak with a qualified independent broker in order to have a clear understanding of both underwriting and policy service. We have been advising consumers looking for Texas Medicare Supplement Insurance Plans since 1993. Feel free to access an instant quote from our website or call us direct anytime to get accurate information about your plan options today.

For more information about Texas medicare supplement insurance plans visit www.MedicareInsuranceTexas.com

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Texas Medigap Insurance – Filling in the Gaps

Posted on by Charles Peeler

Even with the insurance efforts of Medicare, most situations call for supplementary insurance.  This kind of coverage is also known as Texas Medigap Insurance.  Once you qualify for Medicare—which requires you to turn 65, be disabled, or have permanent kidney failure—you can sign up for supplemental coverage.  Once you become eligible, you should certainly consider signing up so you can appreciate great savings from the get-go.  However, you may hesitate because any additional insurance has been very costly for you in the past. There are several Medigap Insurance Plans Available in Texas at substantially lower premium than the cost of traditional under age 65 coverage. Consider that the savings you benefit from with your additional monthly premium could save your thousands of dollars in medical bills every year.

Once you have Medicare Part A and B, you can add onto it with Texas Medigap insurance.  A supplement policy cannot be obtained individually because it is not designed as a primary insurance plan.  Instead, it helps cover the costs of Parts A and B.  For example, nine out of the ten supplement insurance plans—all but basic Plan A—cover the cost of the Part A deductible.  That means you begin receiving insurance coverage from the moment you are charged for medical services.  Plans C and the widely popular Plan F also cover the cost of the Part B deductible. Again, the most popular is Texas MediGap Policy F offered by most insurance companies and provides far and away the richest in benefits.

When considering your monthly premium, you need to realize that by not needing to wait for deductibles to be met before you receive coverage, you already receive great financial benefits.  As the case usually is, the deductible will have just been met when you move on to a new service period and start at square one again.  You can avoid this altogether with supplemental insurance.  Plus, since your premium is predictable, even if it is a bit higher than it would be without coverage, you will avoid being surprised with shockingly high medical bills thanks to the additional insurance coverage.

Illnesses and unexpected accidents occur more and more as you age.  This is an unfortunate truth that not only adds to your discomfort but to the lightness of your wallet.  However, this can be completely prevented with Texas Medigap insurance, which helps cover the expensive treatments and preventative measures for cancer, osteoporosis, diabetes, and more.  With greater treatment options and the insurance coverage to make it possible, you will appreciate a higher standard of living well into old age.  To help make the process of choosing the best coverage easier, you should consider working with an insurance broker who will help you compare Texas MediGap Insurance today.

To learn more about how to get the correct Texas medigap insurance policy visit www.MedicareInsuranceTexas.com

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Medicare in Texas – Three Areas of Coverage

Posted on by Charles Peeler

Medicare is health insurance for senior citizens age 65 and up.  Disabled individuals may also be eligible to receive coverage from Medicare in Texas if they are under the age of 65.  Also, anyone with End-Stage Renal Disease, also known as permanent kidney failure that either requires a kidney transplant or dialysis, no matter their age can be granted Medicare coverage.  There are three parts to Medicare that provide you coverage in important categories.  These areas are covered before you obtain any kind of supplementary coverage.

First is called Medicare Part A, which is hospital insurance.  This covers many different areas of care.  Inpatient care taking place in a hospital is the first form of coverage under Part A.  This includes long-term care, rehabilitation, and critical access.  The second area that Part A covers is inpatient care taking place in a nursing home or similar facility.  It does not include long-term care.  Also, general hospice care services and home healthcare services are covered under Medicare in Texas Part A.  If you want to receive your care in a Religious Healthcare Institution that is nonmedical, you will also receive financial coverage through this portion of Medicare.

In most cases, if you have Part A Medicare in Texas coverage, you must also have Part B, which is medical insurance.  You will need to pay monthly premiums on Part B.  This portion of Medicare is for the purpose of helping you pay for other medical necessities like doctor visits, home health services, and outpatient care.  Also, some services offered for preventative care are covered under Part B.  The premium you will pay each month to have Part B is typically a standard premium paid by nearly all citizens with Medicare.  There will be a deductible amount you must meet.  After that, 80% of services are covered.  Copayments typically apply.

The final part of Medicare in Texas is Part D.  This offers you coverage to help pay for prescription drugs.  Even if you take a small amount of prescription drugs now, it may be wise to sign up when you first become eligible for Medicare so you have coverage in the future.  Otherwise, you could be subject to a late enrollment fee.  There are different Part D plans to choose from that vary in cost and coverage depending on the drugs you require.  With these different kinds of coverage, you will find it easier to pay for your medical bills.

Now that you know what is provided when you turn age 65 lest talk about what is needed. Most seniors purchase on the open market a Medicare Supplement in Texas, these plans are offered by many major well known companies like Mutual of Omaha or Blue Cross Blue Shield of Texas. There is a premium associated with these plans however their purpose it to fill in the holes that a Medicare Health Plans in Texas has like deductibles and co insurance amounts. Some seniors elect to enroll in a Medicare Advantage Plan in Texas. These plans have limits regarding your doctor and hospital selections and also can have higher client out of pocket amounts in most cases.

Regardless of which route you go, either the traditional supplemental way or the advantage plan, the key is to have some sort of assistance to help with the things Medicare does not pay. We advise speaking with a qualified independent broker to discuss which option best fits your lifestyle and budget.

To learn more about medicare in Texas visit www.MedicareInsuranceTexas.com

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Texas Medicare Part B – Frequently Asked Questions

Posted on by Charles Peeler

What is Texas Medicare Part B?  Health insurance is a confusing topic, particularly once you leave what you have known
your whole life and become eligible for Medicare when you turn 65.  You will certainly want to take advantage of the coverage that awaits you, but you must first understand what it is.  In most cases, if you decide to enroll in Medicare Part A, you will also need to enroll in Part B.  This is the portion of your insurance that covers medical expenses, as opposed to hospital coverage which is provided by Part A.  These include doctor visits, home health service, outpatient care, and other similar services. 

What is the cost of Texas Medicare Part B?  You will pay a premium each month to maintain your coverage.  Most people pay a standard amount, but if you have a modified adjusted gross income that is above a certain amount, you may be required to pay more.  At least, the way this system is set up, you will be able to afford more.  If you must pay more than the standard premium, you will be notified by Social Security.  If you decide not to enroll in Part B when you become eligible, you may be subject to a late enrollment fee if you change your mind later. 

How do I qualify for Texas Medicare Part B?  If you receive Social Security benefits, you will automatically receive Part B on the first day of the month you turn 65.  (If your birthday is on the first, you will get it the first day of the previous month.)  You might be under 65 but disabled.  If you receive disability benefits, you will get Part B.  You will receive your Medicare card three months before you turn 65 or within the 25th month of your disabled state.  If you have permanent kidney failure, you will also qualify for Part B no matter how old you are. 

What kinds of services does Texas Medicare Part B cover?  There are two main coverage areas.  The first is medical services.  These must be necessary for the diagnosis or treatment of your medical condition rather than something experimental that does not meet medical practice standards.  The second part is preventative services.  Any efforts that can be made to prevent illness or stop it in its tracks will be covered by Part B.  There are exceptions, and the Medicare handbook can help clarify any questions. 

After a consumer has qualified for this type of coverage it is a wise idea to secure a Texas Medicare Supplement Insurance Plan offered from any number of providers in our state. You can either go online to find your options or contact any experienced independent broker to discuss your available selections.

To learn more about Texas medicare part B or other medicare eligibilty matters visit www.MedicareInsuranceTexas.com

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Medicare Supplement Quote in Texas – Get the Best Deal for Your Money

Posted on by Charles Peeler

Medicare is a great option for the elderly and disabled to appreciate greater medical coverage at a cost they can afford.  There are many wonderful health resources offered to people with this kind of medical coverage, but there are often
times situations where standard Medicare is not enough.  For this reason, you may be interested to look into a Medicare supplement quote in Texas.  That way, you can determine the different benefits that are offered and decide what you can afford to add to your current Medicare premium to appreciate other money-saving medical benefits.

There are ten basic policies, though variations on a few of these really give you more than just ten options.  Before you begin looking for a Medicare supplement quote in Texas for the plan you want to buy, you should educate yourself about all the varying plans as much as you can before you make your selection.  Many plans are similar, but the slight variations could make the difference between a suitable plan and a perfectly ideal plan.  Remember that there are high deductible plans if you are quite healthy and want to pay a lower premium, and there are plans with out-of-pocket limits that ensure you do not pay an outrageous amount in a single year.

Something about Medicare and supplemental insurance is that you can rest assured that all plans with the same name offer exactly the same coverage no matter what provider you purchase.  This is possible thanks to government regulation.  The reason to get a Medicare supplement quote in Texas is to compare the prices offered by different private insurance companies.  Working with an agent is the best way to find and secure the most affordable rate in your area based on your age and medical requirements.

Once you decide to work with a broker, you should conduct your search for the best one to work with online.  This is the easiest way to get in touch with the best Texas brokers.  There is no need to spend hours on the phone with different companies or travel from office to office.  While searching online, you can also see what kinds of companies offer a convenient Medicare supplement quote in Texas so you can get the right coverage in the where state you reside.  Your goal is always to get the best deal for your money, and a knowledgeable broker can help make it happen.

To learn more about how to get a free, instant medicare supplement quote in Texas visit www.MedicareInsuranceTexas.com

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Discount Medicare Supplemental Insurance in Texas – The Key to Saving Money

Posted on by Charles Peeler

 

Supplemental insurance is the same throughout the country as far as the coverage it provides, but the costs can vary a great deal from state to state. There are a number of different supplemental insurance plans available from a wide variety of providers and this can be a source of confusion for some consumers.

Since these plans are designed to cover the expenses that are not taking care of by Parts A and B of Medicare, they have proven to be very beneficial financially for individuals that are unable to work or who are forced to live on a fixed income. It does not take very long at all for the costs of healthcare to add up even if an individual is covered by Medicare. It is unfortunate that many individuals do not realize just how extensive the gaps in Medicare coverage are until the time comes for them to pay the remaining bill.

There are some discount Medicare supplemental insurance policies in Texas that will provide coverage for things like dental, vision, and hearing care which are not covered at all by Medicare. Other patents are designed to help lessen the pressure put on an individual’s finances by the out-of-pocket costs associated with patient care. These policies are not offered by the United States government, but rather, are purchased from health insurance providers. The individual is responsible for the premium and there may be some co-pays required. Supplemental policies can also prove to be beneficial for individuals needing long-term care as well providing prescription drug benefits.

The easiest way to get the best deal on supplemental insurance is to get a quote from a variety of providers. This will ensure that you are not overpaying for your insurance. It is possible to get the necessary information regarding plans available as well as quotes from a variety of providers from a single online source. This can take a lot of the headache out of shopping for discount Medicare supplemental insurance in Texas. With the cost of healthcare steadily on the rise, being underinsured is simply not an option.

We at Peeler Insurance can provide consumers an instant quote in seconds right from our website, most other brokers and agents won’t do that. Regardless of where you live, Dallas, Houston or even East Texas towns like Tyler can access free, no obgilation quotes in an effort to allow the consumer to freely view their options, all in an effort to make sure you are getting the most value for your limited dollars.

To research all your discount Medicare supplement insurance in Texas options visit www.MedicareInsuranceTexas.com

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Texas Medicare – Getting the Facts

Posted on by Charles Peeler

Texas Medicare operates in the same fashion as every other state in the country. Medicare was designed by the federal government to provide health care coverage for individuals over the age of 65 or for those who are disabled. It is proven to be financially life-saving for a great number of individuals that have utilized the coverage offered by Medicare. Unfortunately, many individuals come to find out that the gaps in Medicare coverage leave them with an unaffordable bill after an extended stay in the hospital or if they require long-term care. While Medicare provides excellent results, it is not without its flaws.

A great number of individuals covered by Medicare find that the best way to protect themselves against the gaps in coverage is to purchase a Medicare supplement insurance plan. This type of insurance policy is available in 12 different standardized plans that provide the exact same coverage in every state with the exception of Massachusetts, Wisconsin, and Minnesota. The benefits provided by these plans vary from one to another. The costs also vary significantly among the different providers offering supplement insurance. While Texas Medicare is a valuable protection against the rising costs of healthcare, Medicare supplemental insurance can provide coverage for things that fall outside the realm of Medicare.

Medicare does not cover all prescription drugs nor does it provide coverage for an individual staying an extended period of time at the hospital. This is where supplemental insurance comes in. While an individual is responsible for the premiums of a supplemental policy, the coverage that provides offers a level of peace of mind that is unattainable with Medicare alone. The gaps in Medicare coverage can quickly lead to financial ruin for an individual without the proper supplemental insurance policy to take over when Medicare falls short.

Choosing the right Texas Medicare supplemental insurance policy really depends on an individual’s needs and the amount of money they can afford to spend. If a person needs vision care, hearing care, or dental care that a supplemental insurance policy is an absolute must. These are things that Medicare does not cover. Before purchasing the first supplemental insurance policy that a person comes across, it is always a good idea to get a few quotes from different providers in order to be assured that the individual is not paying too much. The cost of insurance is always more affordable than the cost of being uninsured or underinsured.

To get more facts on Texas medicare visit www.MedicareInsuranceTexas.com

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Texas Medicare Supplement – Protecting Your Finances

Posted on by Charles Peeler

With the exception of Wisconsin, Minnesota, and Massachusetts all Medicare supplement insurance policies are required to be one of the 11 different insurance plans that have been modernized across the country. The benefits in any of the plans are exactly the same throughout the nation and between insurance providers. Despite the required similarities between Texas Medicare supplement insurance plans, the prices will vary quite a bit among providers. This makes the importance of researching the different plans all the more vital for anyone on a tight budget. Since the vast majority of individuals on Medicare will have a restricted income due to a disability or will be living on a fixed income, saving money is paramount.

Some individuals, especially those new to Medicare, may not understand the need for Texas Medicare supplement insurance. They may mistakenly believe that Medicare can fully replace whatever previous health insurance they may have had through their employer or from a privately purchased policy. The unfortunate truth is that there are some pretty significant gaps in Medicare coverage. For instance, Medicare does not cover vision care, hearing care, or dental care. These are all things that a typical Medicare customer will likely be very interested in receiving.

Medicare is also somewhat lacking when it comes to other health care services. The coverage Medicare provides for individual who spends up to 60 days in a hospital is quite comprehensive. If that individual state goes beyond that Medicare coverage will significantly decrease fairly rapidly. After 150 days in the hospital an individual will be responsible for the entirety of the bill. Medicare also does not provide adequate coverage for long-term care. Medicare coverage can also be somewhat hit or miss when it comes to prescription drug benefits. All of these reasons make it necessary to check out Texas Medicare supplement.

While Medicare has proven to be extremely beneficial financially for scores of individuals over the years, the costs can add up quickly when it comes to the things that Medicare does not cover. The gaps in coverage can prove calamitous financially for anyone that is not taking the proper precautions to safeguard themselves and their finances from the rapidly rising cost of healthcare. Texas Medicare supplement insurance provides the perfect buffer zone between an individual with Medicare and the gaps in coverage that are an unfortunate side effect of Medicare. Since the premiums on supplemental insurance policies vary a great deal among providers it is always a good idea to get multiple quotes before deciding on a policy.

To view more Texas medicare supplement information visit www.MedicareInsuranceTexas.com

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Texas Medicare Gap Insurance Quote – Understanding the Need

Posted on by Charles Peeler

Contrary to what many people believe, Medicare does not cover all medical needs 100%. There are often times gaps which require an individual to purchase supplemental insurance. Medicare will cover most hospital bills from participating providers up to around 80%. The other 20% becomes the responsibility of the individual. A person interested in coverage for dental, hearing and vision will also find that Medicare does not provide the necessary coverage. Routine checkups and many prescription medications are also not covered. Long-term care is also not included in Medicare coverage. Because of the massive amount of things not covered by Medicare, getting a Texas Medicare gap insurance quote is the first step to comprehensive health insurance.

The previous information may make it seem as though Medicare is less of a safety net than originally believed. Medicare can be a vital safeguard what it comes to an individual’s financial well-being, but the products and services that it does not cover can quickly become overly burdensome for individuals without supplemental insurance. Texas Medicare Insurance is provided for eligible individuals over 65 years of age, or for people that are disabled. Medicare Part A and Part B are different from Plan A and Plan B supplemental insurance.

When getting a Texas Medicare gap insurance quotes it is important to understand what is covered by Medicare Part A and Part B. Part A generally covers hospital bills. Part B is intended to write coverage for doctor’s fees, diagnostics, necessary medical equipment, some types of rehabilitation and outpatient care. Supplemental insurance is important because once the coverage provided by Medicare ends, an individual is responsible for the rest of the bill. Not all doctors participate in the Medicare plan and a doctor may charge as much as 15% more than the amount approved by Medicare.

While most supplemental insurance plans are the same in each state, the cost to purchase such coverage can vary a great deal between providers. Getting a Texas Medicare gap insurance quote is the smart thing to do with considering your financial future. Individuals that rely on Medicare and nothing else for their health insurance needs often find that when the unthinkable happens they are simply unable to pay all of the necessary costs for their health care. In this case it is always better to be proactive rather than reactive when it comes to planning ahead and getting the right insurance at the right price.

For more information or to get a  texas medigap insurance quote visit www.MedicareInsuranceTexas.com

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