March, 2012 | Medicare Insurance Texas

Archive for March, 2012

Most Seniors are Happy With Their Medicare Benefits in Texas

Tuesday, March 27th, 2012

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.

Standardized Medicare Supplement Plans in Texas Make Selecting One Easy

Tuesday, March 20th, 2012

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.

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

Thursday, March 8th, 2012

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.

Archive for March, 2012

Most Seniors are Happy With Their Medicare Benefits in Texas

Standardized Medicare Supplement Plans in Texas Make Selecting One Easy

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

Recent Posts

Categories

Archives

Meta