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I live in a Small Town in Texas, Will a Medicare Supplement Insurance Plan Work?

Tuesday, September 13th, 2011

You know that once you turn 65, Medicare will pay for a large portion of your essential health care costs and you’re thankful for that. However, you also know that Medicare alone is not enough to pay for all out-of-pocket expenses that you will be left with. Deductibles, copayments, even coinsurance can be expensive. Medicare Supplement insurance is an option that you need to consider seriously, but you’re not sure if it would be worth it considering that you live so far away from most health care providers. If you live in a small town in Texas, will a Medicare supplement insurance plan work?

Medicare “Networks” in Texas

The trick to understanding Medicare Supplement insurance is understanding how Medicare works. In other words, once you learn about the network procedure, you will understand why certain doctors cost more and why it makes more sense to stay local, or in some case, travel to see a particular “in network” physician.

In Texas, if you are enrolled in Medicare, you can visit any doctor you wish as long as they accept Medicare assignment.
Like Medicare, most Medicare Supplement Insurance allows you to see any doctor or provider you wish as long as they accept Medicare. That’s the tricky part, understanding or knowing who does and who doesn’t accept Medicare assignment. If your doctor accepts Medicare assignment, then you’re all set and don’t have to worry. However if your doctor does not, there may be an excess charge that you will have to pay. In the end, it may be more advantageous for you to travel to the nearest doctor who does accept the Medicare approved payment amount(assignment). However, there may be another option.

Plan F and Plan G Pay the Excess Charges

Many Texans just like you live in small towns and don’t want to commute to the city to see a participating doctor. They prefer to stay where they are, where they are comfortable with their own doctor. In many cases, even if your doctor does not accept Medicare assignment, there may be an option for you with Medicare Supplement Insurance.

In Texas, Plan F and Plan G both have an added benefit that pays for 100% of your excess charges, in the event your local doctor does not accept the Medicare approved payment amount. If most of your doctors accept Medicare assignment, then you may not use this benefit, but at least you know it’s there in case you need it.

Blue Cross Blue Shield of Texas offers Plan F with no out-of pocket expenses at all. In fact, most Texans, even those who don’t live in a small town prefer Plan F because it completely eliminates all deductibles, copayments, coinsurnace and pays 100% of any excess charges.

Just like Medicare, Medicare supplement insurance covers your health care needs anywhere in the United States.
Even if you live in small town in Texas, Medicare Supplement insurance will cover the gaps in Original Medicare that cost you money Plan F and Plan G give you the freedom to keep your local doctor without having to pay any excess charges. Contact your local Blue Cross Blue Shield representative and ask them how you can keep your local doctor and still enjoy the benefits of Medicare Supplement insurance in Texas.

For more information or to acquire a free no hassle quote on a Blue Cross Blue Shield of Texas Medicare supplement insurance plan visit our Texas Medicare Supplement website.

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