Texas Medicare insurance should be easy. Get the help and benefits you deserve today.

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.

 

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter

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.

Share this:
Share this page via Email Share this page via Stumble Upon Share this page via Digg this Share this page via Facebook Share this page via Twitter
Recent Posts
  • AEP May be Over But Some Can Still Get Medicare Advantage Plans Year Around
  • Disabled on Medicare Have Fewer Options
  • 2013 Medicare Changes Come as a Shock to Many Seniors
  • Medicare Advantage PPO Plans in Texas
  • Medicare Advantage HMO Plans in Texas
  • Categories
  • Medicare Supplement Articles (104)
  • Archives
  • December 2012
  • November 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • Meta
  • Log in
  • Valid XHTML
  • XFN
  • WordPress