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2013 Medicare Changes Come as a Shock to Many Seniors

Thursday, November 22nd, 2012

Well, well… Election time is over and conveniently the federal government released the Medicare plan changes for the 2013 year. I think some were good and others not so much. We will take a look at the new changes below.

Part B Premium Increased
Let’s start with the most asked about first: the Part B premium. As a refresher the Part B premium is the amount for your medical insurance portion of Medicare mostly for outpatient things like doctor visits, lab work and testing. The premium increased to $104.90 a month up from $99.90 last year. Now you rich folks will always pay more for your part B and this year some of the upper income earners got creamed fairly hard but for most seniors your premium went up 5 dollars a month, not all that bad but any increase is still hard to work around on a fixed income.

Part B Deductible
The Part B deductible, or the amount a Medicare recipient pays for outpatient services also increased this year but the amount was nothing to be alarmed about. It went up $7 a year to $147. This increase was well below what some were expecting and still very manageable considering just a few years ago it stood at $162 a year. Also, if a senior is on a Medicare Advantage plan or Plan F if they have a Texas Medigap policy they never see the Part B deductible anyway so overall this is no big deal.

Skilled Nursing Care
The copay for skilled nursing care increased by $3.50 a day for more than 20 days in these types of facilities, again nothing that earth shattering. Also, most Medigap plans will handle this increase and you will never see it.

Hospital Inpatient Stays
The hospital inpatient copay also increased for days 61 thru 90 by 7 dollars, up to $296 for the upcoming year. Days 91 and beyond was jacked up by 14 bucks to $592 a day but again if you have a Medicare Supplement plan you should be insulated from this increase.

Part A Deductible
Another important one is the Part A deductible. This benefit increased from $1156 per benefit period to $1184 per period. This one is important because if you didn’t know it the deductible is per benefit period… not calendar year like most of us are used to so in theory a senior could get spanked with more than one deductible a year. Again, Medigap plans F and G will keep you from ever seeing the Part A deductible, Medicare Advantage plans also do the same for their members.

Overall I think it’s about what we expected and now we can move on to 2013 knowing exactly where we stand as it relates to Medicare beneficiaries potential out of pockets and premiums for the upcoming year. If these changes are just to much to handle for the next year and you feel a Medigap plan will keep you away from these increasing cost give us a call to review your current insurance situation. Protecting your nest egg is our only goal.

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Is Plan G the Right Texas Medicare Supplement for You?

Tuesday, May 1st, 2012

Now that you’re 65, you have Medicare and that’s a relief. But what about the out-of-pocket expenses like deductibles, coinsurance and copays? Medicare wasn’t designed to pay for all of your medical costs, and you’re prepared to increase your coverage. You’ve made up your mind- you’re definitely interested in purchasing a Texas Medicare supplement plan, but with so many different options, you’re not sure which one is right for you.

In Texas, there are ten different plans to choose from, each with different combinations of benefits. How much coverage do you need and what benefits can you live without? Taking the time to familiarize yourself with some details will help you make an informed decision when you are ready to purchase. Is plan G the right Texas Medicare supplement for you?

Plan G Coverage

For many Texans, Plan G is the right choice simply because the benefits are comprehensive. In fact, it’s the most comprehensive coverage next to Plan F. And the only difference between Plan F and Plan G is a small Part B deductible. With Part G, in addition to your Part A deductible and coinsurance, you get 365 extra days of coverage after your Medicare runs out, your Part B coinsurance and the first three pints of blood. Plus, Plan G and Plan F are the only two Medicare supplement plans that cover excess charges above and beyond what Medicare will pay.

That’s significant savings to help you keep your out-of-pocket expenses low. In addition, a skilled nursing copayment is covered as well as hospice care and there’s even coverage if you need to receive treatment when visiting a foreign country. While your Part B deductible is not covered with Medicare supplement Plan G, all preventive care is covered 100 percent.

Save Money with Medicare Select

Plan G is also available in a money saving Medicare Select option. Basically, if you’re looking to save on premiums, you can receive the same benefits as the standard Plan G but for a reduced premium. By agreeing to use Medicare Select hospitals and doctors, your monthly payment is reduced. Need emergency care? No problem, with Medicare Select, you can get treatment at any hospital for no extra charge. Plus, you can still choose your own doctor. Remember, to be eligible for Medicare Select Plan G, you must live within 30 miles of a Medicare Select participating hospital.

Choose Your provider Carefully

Medicare Select plans are standardized, meaning regardless of who sells you a plan, the benefits are the same. This means the real differences between providers is cost and reliability. Choose your provider carefully and stay with names you know and trust for getting the reliable coverage you need to be protected. There’s a reason why Mutual of Omaha and Blue Cross Blue Shield of Texas are as popular as they are- they’re leaders in Medicare supplement insurance and will continue to be for as long as folks in Texas need coverage.

Take the time to review your options carefully. And remember, Medicare supplement insurance is here to help you with costly medical care. Consider Plan G for comprehensive coverage and buy for a reliable provider you can trust to get the peace of mind you deserve.

For more information or to explore if Plan G is the right Texas Medicare Supplement plan for you visit our senior friendly website today.

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Blue Cross Blue Shield of Texas Medicare Supplement – Stable, Solid and Competitive

Thursday, March 8th, 2012

When it comes to choosing your Medicare supplement provider, you have plenty of options. And although there are lots of different companies offering policies, some are simply better than others. Avoid the hassle of dealing with unreliable, unknown insurance companies and choose Blue Cross Blue Shield of Texas Medicare supplement for stability, dependability and competitive pricing.

Years of Quality Service Equals Stability

There’s a reason why so many consumers choose BCBS of Texas for their Medicare supplement insurance. With over 80 years of proven service, they offer stability that’s hard to match. You pay good money for your insurance and you need to know that your provider isn’t going to suddenly go out of business or fail to deliver benefits when you need them most. Blue Cross Blue Shield of Texas has earned its reputation by offering its customers more than insurance, but a promise that they’re just as strong today and getting stronger with every day.

Reliability You Can Trust

In Texas, Medicare supplement plans are standardized. That means that every provider offering Medigap insurance must make the same plans available with the same coverage. In other words, a Plan “F” from one company must contain the same minimum benefits as a plan “F” from another company. This makes comparison shopping a bit easier, but only in terms of the specific plans. You still need to consider the reputation of the provider for being able to deliver.

With a major carrier like Blue Cross Blue Shield of Texas, reliability is never a concern. Remember, just because different providers offer the same benefits does not guarantee that they will be dependable. Stay with the solid, reliable name of Blue Cross Blue Shield of Texas and rest assured that you’re getting a quality product from a quality insurance company. After all, what good does it do to save a few dollars on insurance if you’re dealing with an unreliable provider? If you can’t access your benefits, it doesn’t matter how inexpensive your premium.

Competitive Pricing

These days, everyone is looking for a way to save a few dollars. With a major carrier like BCBS of Texas, you can save money because they’re able to offer competitive pricing where other smaller companies cannot. When you have a large, loyal customer base, it’s easy to offer deals. This is good for the consumer because it lowers the cost of insurance. Smaller companies do not have the same access to lower pricing because they need to make up for less revenue by keeping prices high. Stay with BCBS of Texas to get competitive pricing and rest assured you’re getting top quality at great rates.

Blue Cross Blue Shield of Texas customers are the first to tell you that they get a lot more than just a plan when they purchase Medicare supplement insurance. With health care a top priority for many Texans, choosing a stable, dependable and competitively priced provider can give you the peace of mind you need when you need it most.

For additional information or to obtain an instant Texas Medicare Supplement quote visit our website.

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What is Texas Medicare Part B?

Thursday, December 15th, 2011

You’re about to turn 65 and that’s great because soon you’ll be eligible for Texas Medicare. However, you’re a bit unsure about how it works. There’s Part A, Part B and Medicare Supplement insurance. From what you’ve heard, you have to pay for Part B, but you don’t have to accept it. Is it worthwhile? Should you consider it? What about Medicare Supplement insurance? Take the time to learn the basics about Texas Medicare and make informed decisions when it comes time to make choices regarding your healthcare.

Texas Medicare Basics

Texas Medicare is a federally funded health care program designed to help seniors and those with certain disabilities with their health care needs. In Texas, you are eligible for Medicare if you are 65, but you can enroll earlier if you have a disability or End Stage Renal Disease. As long as you receive Social Security or Railroad Retirement benefits, you are enrolled in Parts A and B of Texas Medicare automatically. Coverage generally begins on the first day of the month in which you turn 65 and a Medicare Health insurance card is sent to you by mail three months before your birthday. Part A is free, but a monthly fee for Part B is deducted from your Social Security check. If you decide you do not want Part B, you can simply return the card and you will not be charged. Remember, by keeping the card, you are acknowledging that you want Part B coverage and the fee will automatically be taken from your Social Security check.

Texas Medicare Part A pays for hospital coverage and Part B pays for Medical coverage. Hospital coverage includes inpatient hospital services, skilled nursing facility care after a hospital stay, home health care, hospice care and the first three pints of blood each calendar year. Texas Medicare Part B pays for medical expenses, like clinical or laboratory services, outpatient hospital treatment and preventive health care like exams, health screenings, shots and lab tests. Basically, your Texas Medicare Part B covers medical care that is not inpatient like ambulance services, doctor’s services, EKG screening, emergency and urgent need care.

Texas Medicare 2012 Premiums

Many Texans will see their Medicare Part B premiums decrease in 2012. Why? Well if you joined Medicare after 2009, you most likely pay $110.50 or $115.40. In 2012, the new Medicare Part B premium will be $99.90, a decrease of a little over $10.00 or $15.00. Unfortunately, for those folks who enrolled prior to 2009 and pay $96.40, there will be a slight increase of around $3.50 per month.

Medicare Supplement

Texas Medicare is helpful, but it was not designed to pay for all of your health care costs. In fact, it only pays for 80% of covered costs, leaving you with a 20% coinsurance. Out- of-pocket expenses like deductibles, copayments and coinsurance add up fast. To help, many folks choose to supplement their Texas Medicare with a Medicare Supplement plan or “Medigap” insurance. With ten available plans to choose from in Texas, it is possible to get your entire out-of-pocket expenses completely eliminated. Consider Blue Cross Blue Shield of Texas or Cigna for quality that you can depend on and get the peace of mind in knowing that when you need medical coverage, you can get it easily and conveniently. Remember, to be eligible for Medicare Supplement insurance in Texas you must be enrolled in both Part A and Part B of Texas Medicare.

Texas Medicare Part B is optional, true, but a good start if you’re looking for a consistent, reliable health care plan. While it covers a significant portion of your health care, it doesn’t pay for it all and you may need to supplement your Texas Medicare with a Medigap policy. The right Medicare Supplement plan can eliminate all of your out of pocket expenses, leaving you confident and secure with your health insurance choices.

For more information or to obtain an instant quote on Texas Medigap plans visit our website.

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When Can I Purchase a Texas Medicare Supplement?

Sunday, October 23rd, 2011

In Texas, there are ten Medicare Supplement plans made available for purchase. However, even if you’ve done the research and decided ahead of time which plan works best for you, there are very specific times when you are allowed to buy without going through medical underwriting. The entire state of Texas must follow the same guidelines, so whether you’re in Austin or Tyler, the best time to buy a Medicare Supplement plan is during your initial open enrollment period when you can purchase any policy offered in the state. However, even if you’re not in your open enrollment period you can generally purchase a supplement policy but underwriting could apply. Take a minute to familiarize yourself about your rights and make an informed decision when and if you are ready to buy a Medicare Supplement plan in Texas.

Open Enrollment

For most people, there is a one-time only, six-month period during which you may buy a Medicare Supplement plan. During this period, insurance companies are required to sell you a Medicare Supplement plan –even if you are currently experiencing health problems. However, you must have Medicare Part A & B to buy any Medicare Supplement Plan.

Open enrollment begins on the first day of the month you turn 65 and are enrolled in Medicare Part B. However, you may use your open enrollment more than once in the six month period. For instance, if you purchased a Medicare Supplement plan in San Angelo and then decided to cancel it and purchase another, the new insurance company must sell to you. Remember, while they cannot deny you the policy, you still must have Part A & B to purchase a Medicare Supplement plan. Nevertheless, if you choose to wait several years to purchase Medicare Part B, you still have the rights to an open enrollment period and your six month period begins when you enroll in Part B.

Guaranteed Issue Right

There are some times when you may be able to purchase a Texas Medicare Supplement plan outside of your open enrollment period. Basically, there are “Guaranteed Issue Rights”, also called “Medigap Protections” that apply to Medicare Supplement plans A, B, C, F, K, and L. Unlike with an open enrollment period, there are no restrictions with pre-existing conditions.

You’re guaranteed issue right allows you to purchase Medicare Supplement insurance in certain situations. For instance, if you lose your health care coverage, if you have a Medicare Select policy and you move out of the policy’s service area or if your Medigap policy coverage ends through no fault of your own. In most cases, your guaranteed issue right lasts for 63 days from the date your coverage ends or in some cases, from the date you receive notice that your coverage will be ending.

If you Know you are Losing Your Health Care Coverage

If you know that you will be losing your health care coverage, plan accordingly by keeping good records and shopping wisely for new coverage. In other words, save any and all correspondence including letters, emails or claim denials with your name on them. These papers will serve as proof that your insurance is going to be terminated. In addition, keep the postmarked envelopes as proof of the date when you received notice. When looking for new coverage, shop wisely. Compare prices and always stay with dependable insurance companies like United of Omaha or Blue Cross Blue Shield of Texas.

While the best time to buy Medigap insurance in Texas is during your open enrollment period, there are other situations where you have a guaranteed issue right. Whether you have Medicare Select insurance in Austin and know that you are moving out of your policy’s coverage area, or your Medigap coverage is ending through no fault of your own, Texas insurance companies must sell you Medicare Supplement Insurance. Protect yourself by saving all documentation from your insurance provider and when you are ready to purchase, choose only reputable, dependable companies like Blue Cross Blue Shield of Texas or United of Omaha for your Medicare supplement insurance.

For more information on Texas Medicare Eligibility and Enrollment visit our Texas Medicare Supplement website.

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Am I required to Purchase Texas Medigap Insurance?

Saturday, October 22nd, 2011

As a Texan, securing dependable health coverage is important to you. You know that at age 65 you’re eligible for Medicare or you may already be enrolled. Either way, Medicare pays for a significant portion of your medical expenses, but it does not pay for it all.

While you’re not required by law to purchase Texas Medigap insurance, without additional coverage, you may end up paying a lot in out-of-pocket expenses like deductibles, copayments, even coinsurance. Take some time to learn about Texas Medigap Insurance and make informed decisions about your health care coverage.

What Exactly is Medigap Insurance?

Medigap Insurance, also called Medicare Supplement insurance, is insurance that you purchase from private insurance companies to help supplement your Texas Medicare. In other words, Medicare pays for a lot of your health care costs, but is doesn’t pay for everything. The “gaps” in coverage are still your responsibility and deductibles, coinsurance and even copayments can be costly. A Texas Medigap policy can help you pay for these out -of-pocket expenses and give you peace of mind in knowing that whenever you need medical attention, you can get it easily.

Why Would I Need Medigap Insurance?

As a Texan 65 or older, you are automatically enrolled in Medicare Part A (hospital coverage) and most are auto enrolled in Part B (medical coverage). In most cases, Medicare pays 80% of the approved cost of covered medical expenses. However, there are monthly premiums that you are responsible for, along with deductibles, copayments and coinsurance. Plus, you are responsible for paying the full cost of services that are not covered by Medicare. In addition, even if Medicare pays for a particular service, certain doctors are allowed to charge more than Medicare will pay. In other words, you are left paying an excess charge.

Choosing a Medigap Plan

You do have the option to purchase a Texas Medigap policy, although you are not required. However, because there are significant gaps in coverage that Medicare doesn’t pay for, many Texans find it helpful. In Texas, there are ten Medigap plans to choose from, each offering different combinations of benefits. Plans are designated by letters of the alphabet (A through N) and are standardized by the federal government. Basically, that means that a Plan F offered by one insurance company must provide the same coverage as a Plan F offered by another company. Be careful when selecting your Medigap policy. Remember, while insurance companies must offer the same coverage, they vary considerably in terms of cost, reputation and dependability. Make sure to stay with credible, reliable providers like Blue Cross Blue Shield of Texas and United of Omaha- reputable companies that Texans just like you have come to trust.

You Do Not Need Medigap Insurance if…

Medigap insurance is the right choice for many Texans. Nevertheless, there are some situations where you may not need to purchase additional insurance because you are already covered through another policy. You do not need Texas Medigap insurance if you currently have group insurance through an employer or former employer- this includes government and military retiree plans; if you have a Medicare Advantage plan; if you have Medicaid or the Qualified Medicare Beneficiary Program (QMB) pays your Medicare premiums and out-of-pocket expenses. In all of these cases, the gaps in Medicare are covered by insurance and a Medigap policy is not necessary.

You are not required by Texas law to purchase Medigap Insurance. However, considering that Original Medicare only covers a portion of your health care needs, it may be wise to consider a Medigap plan. There are several providers to choose from when selecting your Medigap policy. Look for reliable, dependable providers you can trust like Blue Cross Blue Shield of Texas or United of Omaha.

To find out if Texas Medigap Insurance is the right fit for you and your budget you can visit out Texas Medicare Supplement website and run instant quotes from several companies.

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What are the Basic Benefits of a Medigap Plan D in Texas?

Saturday, October 15th, 2011

Medigap, or Medicare Supplement insurance, helps to pay for some of the gaps in coverage not paid by Medicare. These out-of-pocket expenses like deductibles, coinsurance and copayments can add up fast and Medigap insurance can help. In Texas, there are ten Medigap plans, each with different combinations of benefits. You may have already decided that plan D is the best choice for you, but you’re not completely sure.

Remember, while Medigap plans are sold by private insurance companies, the specific benefits are set by the federal government and every Medigap policy must contain at least a minimum level of basic benefits. Take the time to review these benefits and the additional coverage offered through plan D to help you decide if this is the best plan for you.

Basic Benefits

Every single Medigap policy in Texas must provide the same basic benefits. Whether you choose plan D or plan F, the following benefits will be part of your Medigap coverage.

Hospitalization

Hospitalization costs are covered as part of basic benefits. More specifically, daily copayments for all hospitalization costs from the 61st through the 90th day of the Medicare benefit period, Medicare Part A copayments for time after the 90^th day and the entire Medicare Part A coinsurance including 365 extra days after Medicare benefits end.

Medical Expenses

As for Part B coinsurance, all Medigap plans offered in Texas pay for your portion of the 20 percent Part B coinsurance for Medicare. Generally, this includes doctor bills, hospital and home health care. Of course, these benefits will only begin after you have met your Part B deductible. Texas Medigap insurance also pays the coinsurance for out-patient drugs and inpatient respite care as long as you meet Medicare’s requirements, including a doctor’s certification of terminal illness. In addition, the first three pints of blood each year under Medicare parts A and B are covered under Texas Medigap basic benefits.

Plan D

In addition to the basic benefits, Plan D offers additional coverage. The entire Part A deductible is covered, as well as any copayments for skilled nursing facility care from the 21st day through the 100th day in a benefit period for post-hospital skilled nursing facility care eligible under Medicare Part A.

Foreign Travel Emergency Care

Plan D also pays for foreign travel emergency care, so if you are out of the country and need medical care, you are covered. More specifically, plan D pays 80 percent of the billed charges for foreign emergency care- as long as Medicare would have covered the expenses had they occurred in the United States. Also, covered care must begin during the first 60 days outside the United States. The calendar year deductible is $250 and the lifetime maximum benefit is $50,000.

Choose Only Dependable, Reliable Insurance Providers

All Texas Medigap policies are guaranteed renewable regardless of who sells them. This means that regardless of your health, an insurance company cannot refuse to renew your policy unless you fail to pay your premium. Nevertheless, be choosy when deciding between insurance providers. The benefits provided for every Medigap Plan D offered in the state may be the same, but the insurance providers are not. Always choose credible, reliable companies who have earned the trust of Texans. Remember, policies are guaranteed renewable but the amount of the premium is not. Trust Blue Cross Blue Shield of Texas or United of Omaha and make certain that your Medigap plan D will be there when you need it most.

Now that you know some of the benefits of a Medigap Plan D in Texas take a look at rates from our Texas Medicare Supplement website. We have been representing quality insurance products since 1993 working with names you know and trust like Blue Cross Blue Shield of Texas, United of Omaha, Aetna and many more.

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Mutual of Omaha Controls the Wild Kingdom of Texas Medicare Supplement Insurance

Sunday, October 9th, 2011

Mutual of Omaha? Yes, we all remember the Wild Kingdom for bringing us some of the most exotic and beautiful animals on the planet. The trusted source for everything animal. Now the same can be said for Mutual of Omaha Texas Medicare Supplement insurance. In fact, as a trusted source for Health coverage, you can rest assured that the same dependability and reliability that you enjoyed for years on television is now helping you with health care costs.

What is Medicare Supplement Insurance?

If you’re 65, you’re probably already familiar with Medicare and unfortunately, its limitations. While it helps pay for a significant portion of medical, it doesn’t pay for it all, leaving you with quite a few out-of-pocket expenses. That’s why many people in Texas purchase Medicare Supplement insurance to help pay for those expenses not covered by Medicare like deductibles, copayments and even coinsurance. Having Medicare Supplement insurance, or “Medigap” as its sometimes called, helps make dependable health care coverage affordable.

Choosing Texas Medicare Supplement Insurance

In Texas, there are ten Medigap plans to choose from, each identified by a different letter of the alphabet and each with different combinations of benefits. All Medigap plans are standardized, meaning that regardless of who sells it, all plans with the same letter must offer the same benefits. In other words, a Plan F sold through one company must provide the same benefits as a Plan F sold by another company. This is great news for you, making it much easier to compare plans between companies. In fact, in many cases, the only real difference between companies is price, dependability and name recognition.

In Texas, choosing the right Medicare supplement insurance is really about reviewing each plan and deciding which benefits you need and what price you can afford. For most Texans, Plan F is the most popular because it completely eliminates all out-of-pocket expenses, giving you peace of mind in knowing that your health care costs are covered.

The Mutual of Omaha Difference

There are significant differences among private insurance companies, making it even more important that you chose only reliable, dependable providers when purchasing Medicare supplement insurance in Texas. As for how to choose a Medigap provider, some of the lowest in the state are offered through Mutual of Omaha companies. In fact, in addition to having great rates, they offer convenience with electronic claims processing which eliminates the hassle of paperwork and it’s easy to apply with an agent online. In terms of dependability, United of Omaha, the company Mutual uses in Texas, consistently rates in the top tier for financial strength and ability to meet obligations to policyholders as judged by Standard & Poor’s and Moody’s Investors Service. Serving Texans for over 80 years, United of Omaha delivers dependable, reliable Medicare Supplement insurance at a price you can afford.

Whether you live in San Antonio or Houston, choosing Texas Medicare Supplement insurance should be easy as long as you know what you are looking for. Consider Mutual of Omaha for your Medigap insurance as they offer some of the lowest rates in the state and have a proven track record for dependability that Texans trust.

For more information or to obtain a United of Omaha Texas Medicare Supplement quote visit our Texas Medicare Supplement 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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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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Posts Tagged ‘texas medicare supplement’

2013 Medicare Changes Come as a Shock to Many Seniors

Is Plan G the Right Texas Medicare Supplement for You?

Blue Cross Blue Shield of Texas Medicare Supplement – Stable, Solid and Competitive

What is Texas Medicare Part B?

When Can I Purchase a Texas Medicare Supplement?

Am I required to Purchase Texas Medigap Insurance?

What are the Basic Benefits of a Medigap Plan D in Texas?

Mutual of Omaha Controls the Wild Kingdom of Texas Medicare Supplement Insurance

Texas Medicare Supplement – When Medicare Isn’t Enough

Texas Medicare Insurance – Supplemental Coverage to Fill the Gaps

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