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

Posts Tagged ‘texas medicare eligibility’

Texas Medicare Insurance | Medicare Basics for New Users

Thursday, July 28th, 2011

If you are new to the world of Medicare, you might be in need of some basic information to get you fully aware of what your options are. Living in the second largest state in the country offers a lot of unique opportunities for you as a Texas citizen, but the Texas Medicare insurance you look into should be no different than what you will get from any other state. If you read some of the information below, you may have a good idea about how Medicare works and what it may be able to do for you.

To receive Texas Medicare insurance, you have to be over the age of 65. There are some disabilities that will merit Medicare coverage if you are under the age of 65, but that just depends on your situation. You can get this coverage regardless of your age if you have ESRD, which stands for End Stage Renal Disease. This is a form of permanent kidney failure that requires a kidney transplant of daily dialysis to keep a person alive. You will have to have had a job in the past that allowed you to contribute money to Medicare via your taxes. If you never paid taxes, you will not be able to get this money in your old age.

There are different Medicare plans that work for different costs. Part A for your Texas Medicare insurance is going to cover hospital type costs, like inpatient care or hospice care. If you receive home health care or get treatment from a skilled nursing facility, you will be able to get the coverage you need through Part A of your Medicare plan. This is usually known as hospital care, and it is one of the most important aspects of your policy.

You will also get Medicare parts B through basic Texas Medicare insurance. Part B is known as medical coverage for things like doctor visits and testing. Most times you are automatically enrolled in Part B and there is a premium associated with this benefit. With Medicare Part B, you will be able to receive payments for any outpatient care you receive as long as it is approved from Medicare.

Next there is the Part D prescription drug coverage; you can get your prescription and generic medications covered as long as they fit within the parameters of the policy. These plans are marketed by private insurance companies but you can select one by using the governments website to find a plan that best works with your current drug intake.

Medicare is a fantastic program that can help those on a fixed income get the coverage that they need for medical expenses. For more information  about Part A and B Texas Medicare Benefits  or to learn more about Medicare Eligibility visit our website.

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Medicare Supplement Texas – Understanding the Differences in Medicare Supplement in Texas

Monday, February 14th, 2011

If you are looking for a Medicare supplement in Texas, you need to understand the differences between policies. The first thing you need to understand is that the various Medigap policies are all the same if they have the same letter designation. So a Medicare supplement Plan A at one company is the exact same policy as a Plan A of another company. The only difference is the price you end up paying. Now, Plan A supplement insurance is not the same as Medicare Part A. To understand all the differences between the supplement policies, you need to start with the basics.

The basic Medicare supplement or Texas MediGap insurance policy is Plan A. Plan A covers all the basics required by the federal government in Medigap plans. It covers coinsurance for hospital stays between 61 and 150 days. It provides 365 additional days of hospital coverage over the 150 covered by Medicare. It handles 20% of doctors’ bills and 50% of mental health services. It has to cover the first three pints of blood as well. All other supplement plans have this basic coverage included. The other policies add additional benefits for covered individuals.

Medicare supplement Plan B provides coverage for the Medicare Part A deductible in addition to the basic requirements in Plan A. Medicare Supplement Plan C builds on the coverage of Plan B. In addition to the Part A deductible, Plan C covers skilled nursing home costs for 21 to 100 days, the Medicare Part B deductible, and coverage for up to 80% of emergency medical expenses in a foreign country. Plan D is a bit different from Plan C. It covers basic benefits as well as Part A deductible, foreign travel emergency coverage, and skilled nursing home care. In addition, it also covers at home recovery costs. As you can see, evaluating a Medicare supplement in Texas requires knowledge.

In addition to those supplements, there are also Medicare Supplement Plans F, G, K, L, M, and N to consider. Each of these plans provides other combinations of coverage for things such as Part B excess charges and other out of pocket expense limits. Some come with co-payments required for certain medical services. None of these plans helps offset the cost of prescription drugs. There are other plans called Part D for your drug coverage.

Another way to keep things straight is this: Texas Medicare Supplement plans will be called “Plan” and your coverage provided by the federal government is called “Part” like Part A, B, or D. This confusing information is explained in greater detail by reviewing Texas Medicare Eligibility information found all over the internet.

Look, we deal with this stuff all day and are used to all the confusing little letters the government uses for that reason you need the help of a good insurance agent when consider a Medicare supplement in Texas. With so many options, it can be very confusing. It can also cost you more money than necessary if you make the wrong choice and sometimes those choices are with you until you no longer need Medicare and in that case you won’t be around to discuss them.

For more information or to get a Medicare supplement in Texas quote visit www.MedicareInsuranceTexas.com today!

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