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Texas Medicare Benefits

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

Posts Tagged ‘texas medicare insurance’

What are the 2012 Changes for Texas Medicare Insurance?

Monday, February 27th, 2012

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.

  • Part B Premium is $99.90 a month ($ 115.40 in 2011)
  • Part A Deductible is now $1,156 ($1,132 in 2011)
  • Part B Deductible is now $140 ($ 162.00 in 2011)

Changes to Part D

  • Part D Maximum Deductible is now $320 ($310 in 2011)
  • Part D Initial Coverage Limit is now $2,930 ($2,840 in 2011)This is where the “donut hole” begins
  • Part D Maximum Out-of-Pocket Cost is $4,700 ($4,550 in 2011)

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.

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Can I Choose Any Doctor on Texas Medicare Supplement Health Insurance Plans?

Friday, December 9th, 2011

Now that you’re 65, you’re eligible for Medicare and that’s great news. However, Medicare doesn’t pay for all of your health care expenses.  In fact, it only covers up to 80 percent of your medical expenses, leaving you with a significant amount of out-of-pocket costs. Most Texans choose to supplement their Medicare coverage with a Medicare Supplement insurance plan. That sounds about right, but can you choose any doctor on Texas Medicare Supplement health insurance plans?

Keeping Your Doctor

If you’re like most people, you’ve developed a relationship with your doctor and you trust them for helping you with your health care decisions. In fact, the thought of having to change providers as part of a Medicare Supplement health insurance plan is devastating. The good news is that with every Medicare Supplement plan offered in Texas, you have the opportunity to choose your own doctor and there are no restrictions or networks to deal with. This is great news and it makes choosing a Medicare Supplement plan a bit more convenient.

Medicare Select

While you are not required to use specific doctors in a network, if you choose to, you can significantly reduce your Medicare Supplement premium. Medicare Select is Medicare supplement insurance that requires you use hospitals and doctors within a particular network in return for reduced premiums. Only non-emergency care is restricted to the network, so if you have an emergency you can visit any hospital you choose. As an opportunity to save money, Medicare Select may be a good choice for you. Besides, your doctor may already be included in a Medicare Select network.

Purchasing Medicare Supplement Insurance

You’re not required to purchase Medicare Supplement insurance, although many Texans find it’s a good fit for supplementing Original Medicare. Nevertheless, you must be enrolled in Medicare parts A and B to be eligible. In addition, if you are currently enrolled in a Medicare Advantage plan, you are not eligible to purchase Medicare Supplement insurance.

The best time to buy is during your open enrollment period when insurance companies cannot make you wait for coverage to begin or charge you more for a policy. Remember, every Medicare Supplement plan is guaranteed renewable meaning that as long as you pay your premium on time, your plan cannot be cancelled regardless of your health. Nevertheless, choose only credible, trusted insurance companies like Blue Cross Blue Shield of Texas and get the peace of mind that comes from knowing that your health care coverage is backed by a trusted, dependable provider. 

 If you are considering choosing a Medicare Supplement plan, you do not have to worry about losing your doctor or having to use a doctor you are not familiar with. All Medicare Supplement plans give you the freedom to keep your doctor and use any hospital of your choice. If you are looking for an opportunity to save money on premiums, Medicare Select is available where in exchange for using doctors and hospitals in the plan’s network, you pay reduced premiums. These are the only instances where you would be restricted to a particular network and you do not have to enroll in Medicare Select to purchase Medicare Supplement insurance.

To learn more about which of the 10 Texas Medicare Supplement Health Insurance Plans would work for you visit our Texas Medicare insurance website.

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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.

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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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Texas Medicare Insurance – Tips for Enrolling

Friday, July 22nd, 2011

Are you over the age of 65 and in need of some form of medical insurance? If so, you may be eligible to enroll in Texas Medicare insurance. In a state with the motto of “Friendship,” it seems that all you need to do is fit within certain criterion to get the medical coverage you need when you need it most. Before you can do much of anything, you will need to make sure you are enrolled in Medicare. Most seniors are automatically enrolled in both important parts, A & B but I advise to always check and make sure. This process may not be as easy as it seems. Below you will find information about the enrollment process that will help you determine what you want to do.

 

Most seniors have much the same benefits, A & B, these benefits are provided by the boys in Washington. Also, Part A was paid back when you were working, remember that Medicare tax? Well, that tax paid for your Part A basic hospital benefit. Part B you will have to fork out a monthly premium for is and it can be different based on your income. Where it gets tricky is what you will do for your Texas Part D prescription drug plan and your supplement choice.

 

Never assume that you will be able to benefit from the exact same plan as someone else. There are many forms of Texas Medicare insurance, and each form will work well for certain people. That means that your husband may have different needs than you do when it comes to your policy. Keep your mind open before you enroll and fully assess all of your options. If you lock yourself into a Medicare supplement plan, you will have to go through a lengthy process to change the plan you are in for the future.  Try to avoid that by planning well ahead of time or locking in with a trusted agent or broker.

 

Look at some forms of supplement plans that you might be able to tack onto your Texas Medicare insurance. This is going to cover any money that a standard Medicare does not cover. You may have to pay a bit more for a supplement, but it will ensure that you get all of your medical treatment and other expenses that you need for your health covered. You can get quotes for different plans online, and they will help you see what you may have to pay for each of the plans when you enroll.

 

The laws for Medicare have changed since the start of 2011. Thus if you have been used to some of the old policies, it would be wise for you to review the changes so you are fully familiar with your policy options. The government will periodically change the plans that are being marketed to better reflect market trends and public attitude. The more time you can devote to your enrollment, the better coverage you should be able to receive. There are always representatives available who can help you secure a policy when you need it. Feel free to ask the professionals about any questions that you have in reference to your Medicare coverage. Together, you can get the perfect policy for your needs.

 

Once you have confirmed you have both A & B of Medicare and have chosen a Texas Medigap plan that you like now would be a good time for the selection of a Part D drug prescription card but that’s an entire different topic for you to research.

 

For more information on Texas Medicare Supplement Insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – The Power of Being Informed

Wednesday, June 8th, 2011

Texas Medicare insurance is available to all residents in the state who are over the age of 65, who are disabled or who are suffering from end-stage renal disease. This plan is offered nationwide and is virtually the same in every state, but there are a few changes and variations that you have to keep in mind from one state to the next. Texas has plenty of options for Medicare insurance coverage, including companies like:

Blue Cross Blue Shield of Texas

United of Omaha

Gerber

Humana

Genworth Financial

Continental Life Insurance Company

Woodmen of the World

Sentinel Life

There are plenty of solutions for Texas Medicare insurance, regardless of what type of company you are looking for. Of course, you will also have to think about your likelihood of purchasing a supplemental policy to ensure that you get the best coverage for your needs. Medicare was never designed to be all-inclusive, which is why optional supplemental plans have been made available to people to help give them the full coverage that they deserve. In our state these are known as Texas Medigap plans and offer a wide selection of coverage options for residents.

When you are enrolling in Texas Medicare insurance plans, being informed is one of the most powerful tools that you can have. You need to learn about Medicare, how it works, and what the eligibility requirements are. Having this knowledge will make it much easier for you to get exactly what you need when it comes to Medicare coverage. This is a very confusing topic for many people because there is so much to learn. However, when you take the time to figure out exactly what you are dealing with, it will be much easier for you to get the outcome that you deserve for your Medicare insurance coverage.

There are a lot of things to learn about Texas Medicare insurance coverage, including which Texas insurance companies you can work with, which supplement plans best suit your needs, and even which types of coverage you truly need to have. Texas requirements for Medicare coverage are the same as most other states, however, so you can generally get a good idea of what to expect as long as you do a little research on Medicare and how it works. Take the time to educate yourself so that you can get the right insurance policy and supplement for your needs, no matter what those might be.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – Supplemental Coverage to Fill the Gaps

Tuesday, May 24th, 2011

When you receive Texas Medicare insurance coverage, you need to know that it isn’t the only insurance that should be in your life. Too many people assume that Medicare is all-inclusive and will provide them with everything that they need. However, the reality of the situation is that while this insurance does help people who are older or disabled, it was never meant to cover everything. Therefore, you have to find a way to fill the gaps in your insurance coverage. Typically, the easiest way to do this is by researching Texas Medicare supplement plans to get the extra protection that you need.

Medicare insurance works here just like it does in other states. Coverage is provided to people who are over the age of 65 or those who are disabled. Most people will be automatically enrolled in Medicare once they reach the age limit, but it is important for you to understand your options and be prepared to enroll yourself before that deadline approaches. That way, you can set up your insurance to work for you and get exactly what you need every single time. Plus, you will be able to see exactly which things are covered and which aren’t so that there are no surprises.

Texas Medicare insurance consists of hospital coverage, medical or doctor coverage, optional Medicare advantage plans and prescription coverage. In addition to this basic provision, you can choose to have a supplemental insurance plan to cover you against anything that your original Medicare coverage does not provide. It can help offset or pay all deductibles, copayments, co insurance and coverage limits so that you can get more from your insurance without spending a fortune. Supplemental coverage isn’t free, but it also won’t cost you a lot if you take the time to shop around and find the best policies.

Now that you know a little bit more about Texas Medicare insurance and supplemental coverage, it should be simple for you to get exactly what you need so that you are protected no matter what happens. Often referred to as ‘Medigap’ coverage, this supplemental coverage will help fill in the gaps where Medicare leaves off, allowing you to have peace of mind and better insurance. Take the time to explore your options and learn about different supplement options so that you can get the best insurance for your needs. Medicare is a great service to many people, but it certainly isn’t all you need.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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Texas Medicare Insurance – How to Get the Right Coverage

Tuesday, March 22nd, 2011

When you enroll in Texas Medicare insurance, you have three parts of coverage to consider. Part A is your free hospital insurance and is provided to people without a charge because it is simply designed to be that way, and the fact you paid into the system for all those years.. This coverage is not unlimited, by any means, and it does include a deductible. Also, the deductible is not yearly, it’s per benefit period. This is the most basic Medicare coverage and almost everyone enrolls because it doesn’t cost a dime. This coverage will protect you in the event of skilled nursing care, hospital stays, hospice care, and a few other types of treatment, but not all-inclusively. Usually, you will only be partially covered in these areas.

With Texas Medicare insurance, like in other states, Part B is optional. This is one that must be purchased from the government and it comes out of the social security check that you get from the government. Most of the time people who enroll in Part A are automatically enrolled in Part B, but you have the opportunity to confirm or deny the benefit. In Texas, the current monthly cost for 2011 is $115. Some people will pay more if they have more income, so it is important to talk to social security and understand what that charge will be in your situation. If you decide not to purchase Part B when you are eligible there is a fairly hefty financial penalty that is assessed if you ever decided to purchase Part B, also there are only certain times of the year you can elect to purchase Part B.

Part B coverage takes care of doctor visits, medical tests, and other medical bills outside of hospital and catastrophic coverage. If you are going to invest in Medicare supplements, you have to have Texas Medicare insurance that includes Part B coverage first. There is a $162 deductible for Part B coverage and 80% of the expenses are covered with a 20% copayment. No matter how many medical bills you think you’ll have, this is still more affordable than paying out of pocket.

Another type of coverage to consider is private prescription coverage, or Texas Medicare insurance Part D. This policy is NOT required, but private companies will charge a penalty to your premium if you wait to sign up after becoming eligible for Medicare coverage. Part A is a given when you are getting Medicare coverage. To get the most complete protection, you should also enroll in Part B and Part D. Of course, you should look into Medicare supplements to add more protection to your coverage and consider Medicare Advantage plans as another alternative to fill in the gaps that Medicare leaves. Basically, there isn’t a lot to do but choose whether or not you want coverage with Texas Medicare, and for the affordable price you should definitely choose coverage.

Again, in order to purchase a Texas Medicare supplement policy you must have both Part A and Part B of Medicare and in order to avoid an additional premium penalty or to have drug prescription coverage you need to select Part D. For more information visit us at www.MedicareInsuranceTexas.com .

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Texas Medicare Insurance – Getting the Coverage that You Need

Monday, March 14th, 2011

Texas Medicare insurance is similar to the coverage that you’ll find in other states for Medicare coverage, but there are a variety of different rules and regulations that are applicable only to residents of the state of Texas. Medicare coverage is designed for people who are over the age of 65, who have end-stage renal disease, and for those who have certain disabilities. This coverage is a federally funded program that will pay for some healthcare needs, but not all of them. This is why Texas Medicare supplement insurance, also known as Medigap plans exists, because Medicare was never designed to be all-inclusive.

In the state of Texas, you sometimes have to enroll in Medicare on your own. The state does not always automatically enroll you once you turn 65 unless you are already on railroad retirement or SSI disability benefits of some kind. You have to take the initiative to learn about Texas Medicare insurance and enroll yourself in the right plan for your health needs. Another element that is different is that you have the option to delay your Medicare Part B coverage until you retire if you are still working at age 65 and want to take advantage of some of your benefits, but have employer group coverage of some kind.

Texas Medicare insurance can get confusing, but there is help out there when you are looking for support with your enrollment and figuring out what you need. Agents are available, free of charge, and will help you figure out the best way to enroll in Medicare plans in the state of Texas. You have to make sure that you learn all the rules and regulations of Medicare and that you can get the policy that suits your needs within the realm of Texas Medicare offerings.

Even though this is a federal insurance program, you have to remember that the laws in Texas are different than in other states. Therefore, it is important for you to review the regulations and guidelines of enrolling in Texas Medicare insurance so that you can make sure that you are getting the right coverage and supplemental insurance that you need to protect yourself after retirement or when you are disabled. No matter where you live in Texas, all plans work the same and you’re not going to be penalized for all the personal factors that affect private health insurance rates. Make sure that you learn the ropes of Texas Medicare so that you can get the most from your enrollment and have the protection that you deserve.

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

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Texas Medicare Insurance – Dispelling Some Myths about Texas Medicare Insurance

Thursday, February 17th, 2011

Myths abound when it comes to Texas Medicare insurance. Here is some information to clear up some of those myths. The first myth is that Medicare supplement policies differ from one company to another. All policies which offer supplemental coverage to Medicare must conform to strict guidelines offered by the federal government. The feds have outlined ten policies which insurance companies can offer to consumers. These plans go by the simple names of Plan A, B, C, D, F, G, K, L, M, and N. Each policy has a strict program of benefits that each company must provide. The real difference comes to price.

The second myth to dispel is you do not need a Texas Medicare Insurance policy. There is no law that forces you to purchase a supplement policy. Some people receive additional medical coverage through private policies and other sources. They may have enough coverage to offset the out of pocket expenses offered by traditional Medicare. However, for many people, supplement insurance makes sense. A simple accident or illness can lead to thousands of dollars in out of pocket expenses, if you do not have a supplement policy in place. You need to look at your own situation to determine if you need a policy or not.

The next myth to dispel is that prescription drug coverage is part of the Texas Medicare insurance supplements. When Medicare Part D became available, all prescription drug coverage through supplement policies stopped. If you want prescription drug coverage, you need to purchase a Part D policy through a qualified insurance company. These policies require a separate premium, deductible, and copayments from supplement policies. You need to factor in this extra cost when looking at supplement policies as well as prescription drug coverage through Part D policies.

The final myth to dispel is you can save money if you purchase Texas Medicare insurance supplements only using online quotes. Many people have concluded that insurance brokers cost more than using online quotes. That is not true. Insurance companies offer policies in the state of Texas based on certain criteria and rates are the exact same regardless of buying online, direct or working with a professional. That’s state law. You can get better advice and a wider range of quotes if you use the services of an insurance broker. You can get an idea of how much insurance is through online quotes. But, an insurance broker can help you wade through the confusion and find the right policy for you.

For more information on Texas Medicare insurance visit www.MedicareInsuranceTexas.com today!

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