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

Texas Medicare Benefits

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

Posts Tagged ‘medicare supplement insurance in texas’

Will my Doctor Take Medicare Supplement Insurance in Texas?

Sunday, November 13th, 2011

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.

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

How Difficult is it to Purchase Medicare Supplement Insurance in Texas?

Thursday, September 8th, 2011

If you’re like most Texans, you understand the importance of dependable and reliable health care. After all, you’re always prepared and you’re not willing to let health care get the best of you simply because it’s a bit confusing. If you’re 65 or about to turn 65, you’re eligible for Medicare. As a federal health insurance program available to all Texans, Medicare coverage pays for a significant portion of health care costs. Nevertheless, it doesn’t pay for it all. Unfortunately, there are deductibles, copayments and even coinsurance costs that can add up quickly.

The good news is that you’re not alone if you’re considering Medicare Supplement insurance to fill in the gaps not covered by original Medicare. However, more than likely, you have some questions and you’re not quite sure what to look for in this type of insurance. Luckily, learning a little information now can help make things much easier for you if and when you make the decision to purchase Medicare Supplement Insurance in Texas.

Know What you are Looking for

Before looking for Medicare Supplement insurance, you should understand what it really is. Medicare Supplement insurance, also called Medigap insurance, is insurance sold by private companies to help folks like you pay for costs not covered by original Medicare. These costs can include deductibles, copays and even coinsurance. In many cases, Original Medicare leaves you responsible for a lot of money out-of- pocket and Medicare Supplement insurance helps you pay.

There are several different Medicare Supplement insurance plans, designated by the letters A through N. Each plan has slightly different coverage which is why it is necessary to review each plan carefully. In some cases, you may not need all the coverage provided by a particular plan. In other cases, you may decide you want other types of coverage. However, the most popular plan in Texas is Plan F. As a supplement, Plan F completely eliminates all deductibles, copay, and coinsurance, leaving you owing nothing in the event you need medical care and another feature of this plan is that it will even pay excess charges over what Medicare allows. For most seniors, this plan makes the most sense because it gives you peace of mind knowing that your medical bills are completely paid for.

Be Prepared

In addition to understanding what you’re looking for in Medicare Supplement insurance, you should know the eligibility requirements. In Texas, to be able to purchase a Medigap policy, you must be enrolled in both Part A as well as Part B of Medicare. In most cases, if you are 65 or over, you are already enrolled in Part A. In fact, for Texans, enrollment in Part A of Medicare is automatic and happens on the first day of the month in which you turn 65. Enrolling in Part B is your choice. You have the option to sign up anytime during a 7 month period that begins 3 months prior to you turning 65. However, remember, you must be enrolled in both Part A and B to purchase Medicare Supplement insurance.

Know Where to Look

Medicare Supplement insurance in Texas is sold by private insurance companies like Blue Cross Blue Shield of Texas, Gerber Life or United of Omaha Life Insurance. All Medicare Supplement Insurance is standardized which means that every plan of the same letter, regardless of who sells it must contain the same coverage. For instance, Plan F offered through Blue Cross Blue Shield must contain the exact same coverage as Plan F offered through another insurance company. This makes comparing cost between companies very convenient.

However, make certain that you choose only reputable insurance providers when purchasing Medicare Supplement insurance. Simply because other companies are selling Medigap policies does not mean that they are dependable. When it comes to medical care, trust those you know have a proven record of success like Blue Cross Blue Shield of Texas or Gerber Life. You don’t want to regret trusting a no name company that fails to deliver when you need them most.

Purchasing Medicare Supplement insurance in Texas can be easy and stress free. Learn the basics behind what you are looking for, eligibility requirements and where to look for quality, dependable coverage. Following these steps will ensure that you choose Medicare Supplement Insurance that is right for you.

For more information or to obtain a free quote on Medicare supplement insurance in Texas visit our Texas Medigap insurance 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

Medicare Supplement Insurance in Texas – Understanding the Coverage of Medicare Supplement Insurance in Texas

Tuesday, February 22nd, 2011

There are currently ten choices when it comes to Medicare supplement insurance in Texas. These are Medigap plans A, B, C, D, F, G, K, L, M, and N. Each one of these provides coverage for different out of pocket expenses that traditional Medicare does not cover. One of these charges is Medicare Part A coinsurance. Medicare covers the cost of the first 60 days you are in the hospital. After that, you start paying part of the bill yourself. This coinsurance can be quite expensive when you are in the hospital for an extended length of time. All Texas Medigap plans provide coverage for the coinsurance costs up to 150 days. They also provide coverage for an additional 365 days in the hospital.

Medicare Part B covers up to 80% of the costs for doctors and other medical service providers. However, that leaves 20% to the patient. And that is on top of an annual deductible. All Medicare supplement insurance in Texas must provide coverage for the 20% coinsurance requirement. For mental health services, they must cover up to 50%. These policies must also cover the cost of the first three pints of blood a patient might require. Basic coverage does not cover the annual deductible for Medicare Part B, however. You can get that coverage through Medigap Plans C and F.

Did you know that Medicare Part A has a deductible as well? It is also not included in the basic coverage of Medicare supplement insurance in Texas. You can get that coverage through Medigap Plans B, C, D, F, G, and N. You can get partial coverage of that deductible with Plans K, L, and M. Medicare Part A also provides coverage for hospice care, but there is an associated coinsurance or copayment involved. You get coverage for this through all policies. But, some policies do not cover the coinsurance involved with a stay in a skilled nursing facility. You need Plans B, C, D, F, G, M, and N for full coverage and Plans K or L for partial coverage.

As you can see, there are many complexities when it comes to Medicare supplement insurance in Texas. In order to get through the many twists and turns, it is vital to speak with a trained insurance broker who understands these complexities. The broker can help you find the policy that meets your needs at a price you can afford.

For more information on Medicare supplement insurance in Texas visit www.MedicareInsuranceTexas.com 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

Discount Medicare Supplemental Insurance in Texas – The Key to Saving Money

Friday, December 10th, 2010

 

Supplemental insurance is the same throughout the country as far as the coverage it provides, but the costs can vary a great deal from state to state. There are a number of different supplemental insurance plans available from a wide variety of providers and this can be a source of confusion for some consumers.

Since these plans are designed to cover the expenses that are not taking care of by Parts A and B of Medicare, they have proven to be very beneficial financially for individuals that are unable to work or who are forced to live on a fixed income. It does not take very long at all for the costs of healthcare to add up even if an individual is covered by Medicare. It is unfortunate that many individuals do not realize just how extensive the gaps in Medicare coverage are until the time comes for them to pay the remaining bill.

There are some discount Medicare supplemental insurance policies in Texas that will provide coverage for things like dental, vision, and hearing care which are not covered at all by Medicare. Other patents are designed to help lessen the pressure put on an individual’s finances by the out-of-pocket costs associated with patient care. These policies are not offered by the United States government, but rather, are purchased from health insurance providers. The individual is responsible for the premium and there may be some co-pays required. Supplemental policies can also prove to be beneficial for individuals needing long-term care as well providing prescription drug benefits.

The easiest way to get the best deal on supplemental insurance is to get a quote from a variety of providers. This will ensure that you are not overpaying for your insurance. It is possible to get the necessary information regarding plans available as well as quotes from a variety of providers from a single online source. This can take a lot of the headache out of shopping for discount Medicare supplemental insurance in Texas. With the cost of healthcare steadily on the rise, being underinsured is simply not an option.

We at Peeler Insurance can provide consumers an instant quote in seconds right from our website, most other brokers and agents won’t do that. Regardless of where you live, Dallas, Houston or even East Texas towns like Tyler can access free, no obgilation quotes in an effort to allow the consumer to freely view their options, all in an effort to make sure you are getting the most value for your limited dollars.

To research all your discount Medicare supplement insurance in Texas options visit www.MedicareInsuranceTexas.com

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