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

Posts Tagged ‘texas medicare supplement insurance’

Are There Claim Forms to Fill Out With Texas Medicare Supplement Insurance?

Tuesday, April 24th, 2012

If you are currently enrolled in a Texas Medicare Supplement Insurance plan or are considering purchasing one, you may have some questions about the claims process. It’s probably a good idea to learn a little about how the process works, and what you’re responsibilities are in the event you need medical care. Remember, even Medicare makes mistakes and you need to know what’s going on in the event something happens. Take some time to review the information below and you’ll be prepared and informed when and if you face the claims process.

The Claims Process

Medicare and Medicare supplement policies and procedures can be a bit challenging. With so much information to digest, it’s hard to keep up. Nevertheless, when you visit the doctor for treatment, you need to know how the claims process works so you’ll know what to do weeks later if a bill arrives in your mailbox.

Generally, when you have a Medigap policy, the doctors and hospitals where you receive medical treatment are responsible for submitting Medicare claims to your insurance company.  After Medicare pays, your insurance company pays the Medicare supplement portion. It’s called the Medicare “Crossover System” and it ensures claims are paid promptly and efficiently.

Usually, it’s a very simple procedure. The first time you visit your doctor, you show your Medicare supplement card. The information is stored electronically and any time in the future you need treatment, your information is on file and claims are submitted automatically. 

In Texas, it’s required for insurance companies to pay claims promptly. In the off chance your insurance company refuses to pay for Medicare approved services, you or your doctor have the right to file a complaint with the Texas Department of Insurance (TDI).

Extra Charges are Your Responsibility

You’d like to think all your medical services are covered, but unfortunately, even with Medicare supplement insurance, that is simply not the case. Most Medicare supplement policies pay only for services Medicare decides are “medically necessary”. If you are unsure what these exact services are, you can look in your Medicare Summary Notice. If you do receive a bill for services, you will need to review your notice statement to find out if you owe anything extra. All medical providers and doctors that accept Medicare should know beforehand if a procedure is approved by Medicare and the rule of thumb is if it’s an approved charge the supplement is required by law to start paying its share. Fairly simple and less worrisome., easy actually.

Choose Your Provider Wisely

The good news is, regardless of who you buy your Medigap policy from, the claims process works the same and you will not be involved in the procedure at all. In fact, most filing is done electronically, making it even easier for everyone involved. While the claims process is the same, individual companies are not. Make certain to choose reputable, dependable and trustworthy companies for providing your Medigap insurance. Stay with the household names you recognize and avoid unknown, unreliable starter companies. With the major carriers like United of Omaha or Blue Cross Blue Shield of Texas you get peace of mind that claims will be paid on time and without a dispute.

In Texas, there are no claim forms to fill out with Medicare supplement insurance. Thanks to the Medicare crossover system and electronic filing, all the paperwork is completed for you, making it possible for you to concentrate on nothing but feeling better.

For more information or to obtain your instant quote on visit our homepage.

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Texas Medicare Supplement Insurance – The Foundation for Protecting your Nest-Egg

Wednesday, January 18th, 2012

You’ve worked hard your entire life and you’re proud of how you’ve been able to put away for your retirement. It may not be much, but it’s your hard earned nest egg that will secure your financial freedom. With the economy performing poorly and the cost of medical care increasing every day, you want to make the most informed decisions concerning your health care dollars. The less money you spend now, the more money you will have later.

At 65, you’re eligible for Medicare and that helps considerably. However, Medicare doesn’t pay for all of the health care services you need and out-of-pocket expenses can be significant. Consider Texas Medicare Supplement insurance to help pay deductibles, copays and coinsurance and keep your hard earned money right where it belongs- in your pocket. As the foundation for protecting your nest egg, Texas Medicare Supplement Insurance is the right choice.

Why You Need Supplement Insurance

You may have Medicare parts A and B already. If you do, you are well aware of the additional out-of-pocket expenses that are not covered. Deductibles, copays and even coinsurance- costs that you’re responsible for paying when you receive medical treatment. Texas Medicare Supplement Insurance helps pay for some or all of these costs, saving you money. When it comes to protecting your nest egg, Texas Medicare Supplement insurance is simply a good choice because it can help you save more of that money, leaving it for other uses. After all, why spend money on health care when you don’t have to?

A Variety of Plans for Every Need

With 10 Medigap plans to choose from, finding the right plan to protect your hard earned money is easy. Maybe you travel often or your doctor treats you but is charging more than Medicare allows. Whether you’re looking for foreign travel emergency benefits or freedom from excess charges, you can find the right plan that fits your budget and your medical needs perfectly. Remember, all Texas Medicare Supplement insurance includes basic benefits and you can always choose your own doctors, hospitals and other health care providers. By finding the plan that’s right for you, you can be assured that your nest egg will be protected and there when you need it.

Choose Only Quality, Respected Health Insurance Companies

These days, there are quite a few health insurance companies to choose from. In fact, a simple internet search can turn up so many companies, it can be overwhelming. Remember, not all insurance providers are the same and you’ve worked too hard to make the mistake of choosing just any old provider. Make the right decision by looking for a quality company that you know and trust. Look for name recognition when choosing Texas Medicare Supplement Insurance like Blue Cross Blue Shield of Texas or United of Omaha Life Insurance Company. Staying with companies that are established and reputable will ensure that you receive the best coverage, quality service and benefits at an affordable rate. Get the peace of mind that comes from knowing that you have insurance backed by a name you can trust that will deliver when you need it most.

Choosing the right supplemental insurance is an important part of planning for your financial security. You’ve worked hard to build a nest egg, make certain to protect it by securing a plan to help you get the most out of your health care dollars. Look for quality companies that you know and trust like Blue Cross Blue Shield of Texas or United of Omaha Life Insurance Company and rest assured that you are building a strong foundation for protecting your nest egg with Texas Medicare Supplement Insurance.

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Baby Boomers are Now Finding the Lowest Rates Online for Texas Medicare Supplement Insurance

Sunday, November 6th, 2011

Between 1945 and 1964, there were seventy-six million American children born. We are the baby boomers, the fiery, free spirited ones that do as we please simply because we can. While we may have traded in our tie-dyes for handkerchiefs, we haven’t lost that spirit, that perseverance that pushes us to lead the world in ideas and innovation.

Now as we enter our golden years, we still have that spark, that innate ability to get things done quickly, efficiently and with the least amount of stress.

Finding and securing dependable Health insurance is no different. Many of us are 65 and are enrolled or about to be eligible for Medicare. And while Texas Medicare covers a significant portion of our health care, it doesn’t cover it all. We know that to get the health coverage that we expect, we need Medicare Supplement Insurance.

Finding Medicare Supplement Insuranc 

Years ago, if you were interested in learning about your health insurance options, you called several agencies by phone and scheduled appointments to meet with agents. You were faced with spending valuable time and energy at your kitchen table discussing your options. In other cases, you traveled to and from independent insurance agencies, meeting with a variety of different sales agents. Luckily, finding and securing dependable, reliable Texas Medicare Supplement insurance is no longer a difficult task.

Get Accurate, Reliable Quotes from Major Carriers with the Click of a Button

These days, almost anything can be accomplished easier, faster and with less aggravation online. For many of us, this was a tough transition, but now that we’ve embraced change, we wouldn’t want it any other way. In fact, finding the lowest rates online for Texas Medicare Supplement insurance is a perfect example of how the internet has made life a little easier.

It’s so easy to get accurate, reliable quotes for Texas Medigap insurance online. In fact, websites run by independent agents provide quotes from major carriers instantly with the click of a button. There’s no risk because all insurance providers, even those online selling Texas Medicare Supplement insurance are regulated by the Texas Department of Insurance. There’s no risk and it’s super simple. Apply online from the convenience of your own home and spend your time doing the things you love, not searching through insurance brochures.

If you are looking for the lowest rates online for Texas Medigap insurance, don’t waste your time. Consider using the internet to find accurate, reliable quotes from providers you know and trust like Blue Cross Blue Shield of Texas, Gerber Life and Humana. After all, we baby boomers need to stick together. Let’s get the health care choices we deserve. 

For more information on finding the lowest rates online for Texas Medicare Supplement Insurance visit our Texas Medigap Insurance website.

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Texas Medicare Part D Prescription Drug Plan: In’s and Out’s

Tuesday, November 1st, 2011

In Texas, there are only two ways to get Medicare drug coverage- through a Medicare Prescription Drug Plan (PDP) or through a Texas Medicare Advantage Plan. Medicare Prescription Drug Plans, or Part D, are offered to everyone with Medicare and sold through private insurance companies. Basically, Part D is prescription drug coverage that is added to your Original Medicare. Understanding these plans can be a bit tricky and many Texans just like you are confused as to eligibility, enrollment, costs and coverage. Take the time to learn a few in’s and out’s of Texas Medicare Part D and make the right decisions concerning your health care coverage.

Eligibility and Enrollment

To be eligible for a Medicare Part D drug plan, you must live in the area that your network serves and you must be enrolled in Original Medicare. The best time to enroll in a Medicare Part D plan is when you are first eligible. You can join anytime during the 7 month period of time beginning three months before the month you turn 65 and ending three months after you turn 65. If you choose not to enroll in Part D when you are first eligible and decide to enroll later, you will most likely be charged a late enrollment penalty.

“Open enrollment” is different from your 7 month eligibility period. It is the specific timeframe when everyone else can join, switch or drop a Medicare Drug Plan. For 2011, the open enrollment period is October 15 through December 7. During this time only, anyone can make changes to their Medicare drug plan. The end date of December 7 ensures that any changes made will take effect by January 1st. It’s important to remember that the open enrollment period is not the same as when you are first eligible.

If you are disabled, you can join a Medicare drug plan starting three months before your 25th month of disability and ending three months after your 25th month of disability. However, if you currently receive extra help, you may join, switch or drop a Medicare drug plan anytime. There are also special enrollment periods that take into consideration if you live in a nursing home, move out of the coverage area or lose other credible prescription drug coverage.

Costs and Coverage

With any Medicare Prescription Drug Plan, you can expect to pay a monthly premium as well as other out-of- pocket expenses including deductibles, copayments and coinsurance. In some cases, if you enrolled late, you may have to pay a late enrollment penalty. However, the actual cost for a drug plan varies and is based on several factors including the plan you choose, whether or not you use a pharmacy in the plan’s network, the specific drugs you use and if your plan covers them.

While prices vary considerably between insurers, coverage does as well and each plan has a list of the specific drugs that they cover. This list is called a formulary and it is why it is so important to make certain that your provider covers the drugs that you need.

Cost is a definitely a factor to consider when comparing drug plans between insurance companies. However, it’s not the only factor as dependability and reliability are important as well. When choosing your insurance provider, choose trustworthy companies that have earned a reputation with Texans for providing credible, dependable Part D coverage for decades.

For more information on Texas Medicare Part D prescription drug plans visit our Texas Medicare Supplement website.

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Do Medicare Advantage Plans in Texas Offer Better Coverage Than Medigap Plans?

Thursday, October 27th, 2011

As a federal health insurance program available to Texans, Medicare is helpful for covering a large portion of medical expenses. However, it wasn’t designed to pay for all of your health care costs.  As a result, many Texans are finding that they need to purchase additional insurance to supplement Medicare. There are two types of plans available that provide additional benefits to Original Medicare- a Medicare Advantage plan and a Medigap plan. Learning the difference between the two can help you decide which type of plan will provide you with the most appropriate health care coverage. 

Medicare Advantage

A Medicare Advantage plan, also known as Part C of Medicare, is offered through private insurance companies. Basically, you receive Part A, Part B and Part D (Prescription Drug Coverage). Therefore, you must be enrolled in both Medicare parts A and B and live in an area where there is a plan available to enroll in Medicare Advantage.  While every company offering a Medicare Advantage plan must follow specific rules set by Medicare, there are different out-of-pocket costs and different rules as to how you receive services. Medicare Advantage plans are available as Preferred Provider Organization (PPO) plans, Health Maintenance Organization (HMO) plans, Medical Savings Account (MSA) plans and even Special Needs Plans (SNP).

Coverage

A Medicare Advantage plan provides all of the services that Original Medicare must offer except hospice care and always includes emergency and urgent care. You receive your Medicare benefits directly through your Medicare Advantage plan, including all of Part A, Part B, Part D (Prescription Drug Coverage) and sometimes additional benefits not covered by Original Medicare like vision or dental. With every Medicare Advantage plan, you pay one monthly premium for all of your services. Out-of-pocket expenses are different from plan to plan and based on a variety of things including if your Part B premium is paid, whether you have a deductible, how much your copayments or coinsurance is etc.

Things to Consider

You should know that you can only join a Medicare Advantage plan at certain times throughout the year and generally, you are enrolled in a plan for a year. In addition, you must follow the plan’s rules. For example, some plans require that you have a referral to see a specialist, others do not. Many Medicare Advantage plans require that you use certain networks of doctors. Unfortunately, choice is sometimes limited. In fact, Tyler, Wichita Falls or Athens may have fewer choices if any at all when selecting doctors. Be cautious.  In many cases, if you use a doctor who is not part of the plan, you’re services may not be covered.

Medicare Supplement Insurance

Medicare Supplement insurance, also called “Medigap” insurance, is health insurance sold through a private insurance company to supplement Original Medicare. In other words, a Medigap plan does not provide your Medicare benefits, but provides additional coverage.  You still receive Part A and Part B through Medicare and pay your Part B premium. Medigap insurance is designed to help you with the “gaps” in coverage that Original Medicare doesn’t pay for like deductibles, copays and coinsurance. Typically, monthly premiums are higher for Medigap plans than for Medicare Advantage, but with some plans no out-of-pocket expenses, this may be a better option in the long run.

Coverage

In Texas, there are 10 Medigap plans available for purchase, each with different combinations of coverage. Some plans cover a portion of your out-of pocket expenses, like your Part B deductible and nothing else.  Some cover all of your out-of-pocket expenses, like Plan F, which is the most popular Medigap plan in Texas. Plan F completely eliminates your deductible, copays and coinsurance. However, Medigap plans do not include prescription drug coverage and you will have to consider a Medicare Part D Prescription Drug Plan separately. Remember, unlike a Medicare Advantage plan, with Medigap insurance, you can see any doctor you choose and there is never a referral needed to see a specialist. Also, any treatment approved by Medicare would be covered on a Medigap plan. There is no need to worry if the plan will approve the treatment.

Deciding between a Medigap plan and a Medicare Advantage plan can be a bit confusing. While Medicare advantage typically offers lower premiums than Medigap insurance and sometimes includes prescription drug coverage, you are generally limited to using doctors within a network and still have to pay out-of-pocket expenses. With a Medigap Plan F, all of your out-of pocket expenses are completely eliminated, but you will need to add prescription drug coverage separately.

Choose wisely when selecting your health insurance. Remember, price is not the only difference between private insurers. Choose only reliable, dependable companies like Blue Cross Blue Shield of Texas or United of Omaha and get not only reliable health care coverage you can depend on, but also, the peace of mind that comes from knowing you are insured by a company that has earned the trust and respect of Texans.

Now the picture is a little clearer why not take a look at the available Texas Medigap Plans or take a look at quotes at our Texas Medicare Supplement Insurance website.

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What Texas Medigap Insurance Policies are Available?

Monday, October 3rd, 2011

If you are 65, or about to turn 65, you’re probably already familiar with Medicare. Medicare is a federal health care plan designed to help people 65 and older pay for some of their health care costs. It was not designed to pay for all medical expenses and as a result, many people turn to Medicare supplement insurance or “Medigap” insurance to help pay for some of the costs that Medicare doesn’t pay for like deductibles, coinsurance and copayments.

Choosing a Medigap insurance policy can be confusing. Even if you have a reputable insurance provider, like United of Omaha, there are still several different plans to choose from, each with different benefits and costs. What Texas Medigap insurance policies are available and how do you know which one to choose? Take the time to learn a little about the available plans and make an informed decision when you are ready to purchase Medigap insurance in Texas.

Available Plans

In Texas, there are 10 Medigap insurance plans available, each designated by a different letter of the alphabet. By law, all Medicare supplement plans are standardized, meaning that a Plan F sold by United of Omaha for instance, must provide the same basic benefits as a Plan F from another company. Each plan has different coverage and costs. There is a high deductible option also available on the F Plan for pairing with health savings accounts and cost sharing options that help to reduce premium amounts.

Every Texas Medigap insurance policy offered includes the same basic benefits. This includes your entire coinsurance for Part B, three pints of blood, hospice coinsurance for outpatient drugs and inpatient respite care, all hospital charges up to 365 extra days past Medicare benefits, all copayment for hospitalization from the 61st day to the 90th day of any Medicare benefit period and Part A copayment for hospitalization beyond 90 days.

Some plans offer even more benefits. For instance, Plans B, C, D, F, G and N also pay your entire Part A deductible. Plans C and F pay the entire Part B deductible. Plans C, D, F, G, K, L, M and N pay for skilled nursing facility care, while Plans F and G pay for Medicare Part B excess doctor charges. C, D, F and G pay for foreign travel emergency care and Plan F also has the high deductible option available.

With an average monthly premium of somewhere around $120 a month for someone turning 65, the majority of Texans choose Plan F because it offers the most coverage, completely eliminating all deductibles, coinsurance and copayments. Texans who choose Plan F have peace of mind knowing that whatever comes their way, they are covered both medically and financially.

Medicare Select

Medicare Select is a type of Medicare supplement policy where it is possible to secure lower premiums by agreeing to use doctors and hospitals within the plan’s network. For instance, if you live in Harris County, you would need to see a doctor in the immediate area who is part of the plan’s network of providers. However, you are still able to choose your own doctor or specialist, as long as he or she is in the network. With a Medicare Select option, if you choose to use an out of network provider, you will have to pay more of the cost. Nevertheless, if you leave a Medicare Select option, insurance companies are required by law to offer you another Medicare supplement plan with comparable benefits.

Choosing a Texas Medigap insurance policy is easy as long as you understand a little about the available plans and how they work. While there are several insurance companies to choose from, make certain to purchase your Medigap insurance  from a dependable, reliable provider like United of Omaha and rest assured that you are securing the best coverage to suit your needs as well as your budget.

For more information on Texas Medigap Insurance policies or to see monthly rates in your area visit out Texas Medicare supplement insurance website .

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I Just Turned 65, Do I Need Medigap Insurance in Texas?

Friday, September 9th, 2011

Prior to retirement, chances are that you received health insurance through your employer. However, now that you’re 65, you’re eligible for Medicare. Do you need Medigap insurance in Texas? What is it and where do you get it? Understanding Medicare is confusing enough without having to figure out Medigap insurance as well. Nevertheless, you know that taking the time to learn about Medigap insurance will help you make an informed decision if and when you decide to purchase Medigap insurance in Texas.

What is Medigap Insurance?

Medigap insurance, also referred to as Medicare Supplement Insurance, is insurance sold through private insurance companies to help you pay for some of the gaps in Original Medicare coverage. These gaps may include deductibles, copayments, even coinsurance. If you have Original Medicare and you add Medigap insurance, Medicare pays its share and then your Medigap insurance pays its share.

If you have Original Medicare Part A and Part B, you may benefit from Medigap insurance. In fact, some Medigap insurance covers benefits that Original Medicare doesn’t. Plus, all Medigap policies are guaranteed renewable even if you have health problems. Plus, as long as you stay current with your premium, your policy cannot be canceled.

In Texas, there are quite a few Medigap policies available, each offering different coverage and out-of-pocket expenses. However, most Texans choose Plan F as it completely eliminates all deductibles, copayments and coinsurance. This plan also does something extra, pays any excess charges that your doctor may charge over the Medicare approved amount. Plan F gives you the peace of mind in knowing that no matter what, you’re covered and you won’t owe anything extra.

Take Advantage of Your Medigap Open Enrollment Period

Now that you’re 65, the best time to buy a Medigap policy is during your open enrollment period. In Texas, you have a 6 month period which begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. For this period of time only, insurance companies must sell you a Medigap policy for the same price as someone who is healthy even if you have health issues. In most cases, they cannot refuse to sell you a Medigap policy or make you wait for coverage to begin. After your open enrollment period ends, an insurance company can use medical underwriting to decide your case and there is no guarantee that they will even sell you a Medigap policy.

Choosing a Quality Medigap Insurance Provider

There are many choices when it comes to purchasing Medigap Insurance in Texas. Luckily, because of the standardized nature of Medigap policies, it’s easy to compare insurance companies. However, cost is only one variable to consider. Choose only reputable providers like Blue Cross Blue Shield of Texas for your Medigap insurance. You do not want to find yourself out of luck when it comes time to deliver because your provider isn’t credible. Blue Cross Blue Shield of Texas has been providing reliable Medigap insurance to Texans for over 80 years. They are dependable and will be there for you when you need them.

Turning 65 is an exciting time for many Texans- a time to reflect on family and friends and relax after a long lifetime of hard work. Securing health care should not be stressful or confusing. Take the time to learn about Medigap Insurance, take advantage of your open enrollment period and choose a dependable insurance provider like Blue Cross Blue Shield of Texas.

For additional information or to obtain a free Medigap insurance in Texas quote visit our Texas Medicare supplement website. It’s quick and easy and you can see quotes right from the comfort of your kitchen table.

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What is the Most Popular Medigap Insurance Plan in Texas?

Wednesday, September 7th, 2011

If you are like most folks in Texas, health care is an important issue to you. You know a little bit about Medicare- at least enough to know that you will most likely need to supplement your coverage with Medigap Insurance. Unfortunately, there are so many different plans, you’re not sure where to begin. What is the most popular Medigap insurance plan in Texas and is this the right plan for you? Understanding Medigap insurance and how it works with Medicare will help you make an informed decision if and when you decide to purchase a Medigap insurance plan.

What is Medigap Insurance?

Medigap Insurance, also known as Medicare Supplement insurance, is insurance that you purchase from a private insurer to help fill the gaps in coverage provided by Original Medicare. This means that it helps pay for some of the health care costs that Original Medicare doesn’t cover like deductibles, coinsurance and other related expenses. Medigap insurance is different from a Medicare Advantage Plan because Medigap coverage only supplements Medicare while Medicare Advantage Plans actually provide Medicare benefits.

All Medigap policies are standardized by the federal government, meaning that every insurance provider must provide the exact same coverage for plans A through N. However, that does not mean that they must charge the same prices. As a result, there is much disparity between companies. It is always a good idea to stick with reputable insurance providers like Blue Cross Blue Shield of Texas or United of Omaha when purchasing your Medigap insurance. Simply because insurance providers must provide the same coverage does not mean that they are all dependable or reliable.

Plan F-The Favorite of Texans

In Texas, there are 10 Medicare Supplement Insurance plans offered- plans A, B, C, D, F, G, L, K, M and N. Each plan has slightly different coverage which is why it is so important to review each one carefully. Nevertheless, most seniors in Texas prefer Plan F as it provides the most peace of mind due to the fact that all deductibles, cost sharing and coinsurance are completely eliminated.  While this may be the best choice for many people, it may not be right for everyone. Make certain to review each plan carefully to recognize what is most important to you.

Monthly premiums vary considerably between plans. As a general rule, the more coverage you have, the higher your monthly rate. Nevertheless, there are a variety of cost saving strategies available that can make affordable Medigap insurance a reality. Blue Cross Blue Shield of Texas for instance has a Medicare Select Option that offers the same benefits as other plans but with discounted premiums. By agreeing to use Medicare Select Network Hospitals, premium rates are reduced saving you money. Also, a company like United of Omaha, which by the way is a Mutual of Omaha company, offers a spouse discount to help reduce some of the monthly premium.

Like most other states, Texas offers quite a few choices when it comes to Medigap insurance. While there are several different plans with slightly different benefits to choose from, Plan F continues to be the most favored Medicare Supplement plan in Texas. In terms of providing the best coverage with no hassle, no deductible, coinsurance or cost sharing, it simply can’t be beat. Choose a reputable, dependable insurance company that you can trust like Blue Cross Blue Shield of Texas, review the available plans carefully and have peace of mind that your health care is well protected.

For additional information or to get a free quote on the most popular Medigap insurance plan in Texas visit our Texas Medicare supplement insurance website.

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Does Blue Cross Blue Shield of Texas Offer Affordable Medicare Supplement Insurance?

Monday, September 5th, 2011

Blue Cross Blue Shield of Texas has been providing health insurance plans to Texas residents for over 80 years. Particularly as it relates to Medicare Supplement Plans, they have earned a reputation for dependability and reliability that Texans have come to trust. Taking the time to familiarize yourself with the different coverage offered by Blue Cross Blue Shield will help you find the right plan that not only fits your health care needs, but your budget as well.

Medicare Isn’t Enough

Every resident of Texas 65 or older is eligible for Medicare. While Medicare provides a substantial portion of necessary health care coverage, there are significant gaps that are not covered. As a result, most Texans find that they need Medicare Supplement Insurance to help with these gaps and some of the costs associated with Original Medicare.

Original Medicare includes Part A (hospital insurance) and Part B (Medical insurance). Generally, you have your choice of doctors, hospitals and other health care providers, but you must pay for all deductibles, coinsurance and usually a monthly premium for Part B. Additionally, Original Medicare does not include prescription drug coverage and if you would like to add it, you must join a Medicare Prescription Drug Plan offered through a private insurer.

Affordable Medicare Supplement Insurance from a Trusted Name

With Blue Cross and Blue Shield of Texas, you don’t have to worry if your insurance will be there for you. In fact, as a leader in Medicare Supplement protection, Blue Cross Blue Shield of Texas offers solid benefits and superior customer service at a price you can afford.

Currently, there are 7 Medicare Supplement insurance plans to choose from. Plan K and Plan L are low cost, offering cost sharing, which requires that you pay a share of medical costs in return for reduced premiums. Plan N offers basic benefits with a low $20 copay for doctors visits and $50 for the emergency room. Part G pays for the Medicare Part A hospital deductible and coinsurance. Plan F is the most popular choice with Texans because it completely eliminates all deductibles, copay and coinsurance costs. The majority of people looking for Medicare Supplement insurance just want peace of mind that comes from knowing they are covered with no hidden costs.

In addition, Blue Cross Blue Shield offers even more savings through Medicare Select options. These options are available with plans F, G, K, L and N offering the same benefits but at less cost to you. By using Medicare Select Network Hospitals, you can save money with a reduced premium. Under this option, you still have full coverage for emergency care at any hospital and can choose your own doctor or specialist.

Medicare Supplement insurance helps you pay for some of the gaps that Original Medicare doesn’t cover like deductibles, copayments, and coinsurance. While health insurance is necessary, it can get expensive. Trust Blue Cross Blue Shield of Texas to provide you with not only the most affordable Medicare Supplement insurance, but also, the most reliable and dependable.

For more information on Blue Cross Blue Shield of Texas Medicare Supplement Plans visit our Texas Medicare Supplement Insurance website.

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Texas Medicare Supplement – When Medicare Isn’t Enough

Thursday, June 9th, 2011

A Texas Medicare supplement is a policy that is sold through a private insurance provider in the state to help supplement the original Medicare coverage that you have. The government created Medicare to offer a solution for insurance to older adults, but they never intended for it to cover everything that people needed. Therefore, supplement plans were created in a set of 11 modernized plans that are sold by a variety of insurance companies. These plans help offset the gaps in your coverage and provide you with more support for your medical needs.

It is important for you to keep in mind that a Texas Medicare supplement is NOT the same as a Texas Medicare Advantage plan. These are actually the two options that you have when you are shopping for additional insurance to add to your Medicare coverage. A supplement is standardized by the government and sold by private companies. An Advantage plan is a private HMO or PPO insurance plan that is an alternative to supplements. This is very important to know and remember in your search for coverage. Considering that there are more than 3 million residents in Texas enrolled in Medicare, you can count on the fact that insurance companies have options for all types of people and needs.

In our opinion Medicare is never going to be enough coverage on its own. Unless you are extremely healthy or extremely wealthy, you cannot afford to go without a Texas Medicare supplement. This will take over where Medicare leaves off, allowing you to have peace of mind and financial protection regardless of what type of situation you are in. You need to shop around and find a reputable company that sells supplement plans so that you can get the coverage that you deserve. While the basic policy is the same everywhere, the features, perks, and service will vary from one insurance provider to the next.

Medicare was never designed to provide you with full coverage. It doesn’t matter if you think you need it or not, a Texas Medicare supplement is always a good idea. Allow yourself the time to explore the options and see just what you have to choose from so that you can get the right supplemental plans for your needs. There are plenty of options and more than 50 insurance providers in Texas to choose from, no matter what type of supplement plan you might be searching for.

For more information or assistance in finding a quality Texas Medicare supplement plan visit www.MedicareInsuranceTexas.com today!

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