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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