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.