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.
Tags: medicare supplement insurance in texas, texas medicare insurance