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

Posts Tagged ‘texas medigap plans’

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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Do all Texas Medicare Supplement Plans Have Rate Increases?

Friday, July 13th, 2012

The sort answer to the question ‘Do all Texas Medicare Supplement Plans have rate increases?’ is yes.  Medicare Supplement plans are insurance policies that provide for the gaps in coverage that occur in Medicare Part A and Part B.  However, Medicare Supplement plans, also called Medigap policies, are not a product provided by the government.  Private insurance companies become approved to offer Medicare Supplement Plans.  The content of the plan offered has to fall under one of ten categories that Medicare mandates.  These plan types are labeled with letters, namely A, B, C, D, F, G, K, L, M, and N.  For that reason, all Medigap Plan A policies, no matter what insurance company offers it, have the same benefits (hospital coinsurance, 365 extra days of hospital coverage, blood, and hospice coinsurance). 

 

The Texas Department of Insurance regulates the offering of Medicare Supplement Plans in the state of Texas.  However, the insurance company offering the Medigap product can set the premiums to whatever they wish.  In addition, the quality and reliability of insurance company varies.  Also, the level of customer service and ease of getting claims paid will be different according to what company is offering the Medigap plan.  But back to the question of increasing rates.

Medicare Supplement Plans are all guaranteed renewable by directive from Medicare.  However, the insurance company offering the plan is allowed to change the rates (and by change, I mean increase) generally once a year.  They can change the rates for several reasons, including patient class change or increase in age.  As an agent who seeks the best for his client, I will shop around each year, to make sure you have the best price for your chosen plan.  This can help offset the rate hikes imposed by insurance companies dealing in Texas Medicare Supplement insurance policies. 

I am fully versed in the laws governing switching Medicare Supplement insurance.  Changes must be made within the proper enrollment periods or according to guaranteed issue right guidelines.  Also, you can switch from one company to another at any time, providing you qualify medically but as a rule Medigap plans have very liberal underwriting guidelines. As your agent, I can help guide you through the process and red tape involved with Medicare transactions.  My goal is to make is as easy and painless as possible for you to get the medical care you need at a price you can afford. 

Do all Texas Medicare Supplement Plans have rate increases?  Yes, but that does not mean that you are trapped in a rapidly increasing premium situation.  However, there are issues to think about when you change your Medicare Supplement Insurance policy.  Changing Medigap insurance policies needs to be done with consideration for the coverage, premium price, dependability of the company, and customer service levels.  I take all of these areas into account when researching your options as a Medicare recipient.  I can also help you understand alternatives to Medicare Supplement Insurance, such as Medicare Advantage Plans and more. 

When you want direct, honest guidance through Medicare Supplement Insurance, I can give you the pros and cons about signing up for policies or changing in understandable terms.  Cutting out the confusion over Medicare policies allows you to make educated decisions that will help give you peace of mind, knowing the gaps in your traditional Medicare coverage are being provided for.  You don’t have to let rate increases keep stressing your finances and keeping you from enjoying the benefits of Medicare health coverage.

Do all Texas Medicare Supplement Plans have rate increases?  Yes.  Do you have to pay higher prices every year?  No.  As an industry veteran possessing almost 20 years in the industry, I search high and low for the policies that will provide my clients with the coverage they need at the lowest prices.  We focus on helping Texans on Medicare save money and receive the medical coverage they need.   

For more information on changing your Texas Medigap Plan or to obtain an instant quote visit www.MedicareInsuranceTexas.com right now!

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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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Will the Medigap Policies Available in Texas Allow Me to See My Doctor?

Tuesday, January 10th, 2012

You’re not alone if you’re concerned about being able to keep your doctor after you purchase a supplement policy. In fact, if you’re like most people, you’re probably pretty comfortable with your healthcare provider and you’re not looking forward to changing. While you’re certain that you’re going to need to purchase a Medigap plan, you’re not sure how to choose one that will fit your specific needs. There are networks, select plans and a whole bunch of options that can be a bit confusing. Learning a little about Medigap policies available in Texas and how they affect your healthcare choices will help you choose a plan that best fits your healthcare needs and gives you peace of mind.

The Basics

Medicare is federally funded healthcare available to all Texans age 65 or older and those with certain disabilities. Medicare is great for helping to pay for some of your health care costs. However, It wasn’t designed to pay for everything and as a result, there are out-of-pocket expenses that you are responsible for. Most Texans opt for Medigap insurance, also called Medicare Supplement insurance to fill the “gaps” in Medicare that aren’t covered. A Medigap plan in Texas can help you pay for these extra expenses.

Medigap Policies Available in Texas

There are ten Medigap policies available in Texas. Each plan is identified by a different letter of the alphabet (A through N) and each plan offers a different combination of benefits. Some plans cover basic benefits and some plans cover more. In Texas, most people prefer plan F because it’s the only Medigap plan that completely eliminates all out-of-pocket expenses like deductibles, coinsurance and copayments.

Medigap plans in Texas are standardized, meaning that a plan F sold by one insurance company must provide the exact same basic benefits as a plan F sold by another company. The only differences among insurance companies are cost and dependability. This is helpful when you’re looking to compare plans. Nevertheless, shop wisely and make certain to stay with a name you trust like Humana or Blue Cross Blue Shield of Texas. Simply because other insurance companies must offer the same plan does not mean that they will be as dependable or reliable.

What About keeping my Doctor?

With all standard Medigap plans available in Texas, you may choose your own doctor and you never need a referral to see a specialist. That is true for every plan from every provider. However, there is an option called Medicare Select, where in return for paying less for your premium, you agree to use doctors and physicians in a preferred network.

Medicare Select

Medicare Select is a type of Medicare Supplement policy that offers the same benefits as other plans, but costs less. In exchange for paying a lower premium, you agree to use doctors and hospitals in the plan’s network. Check with your doctor, because in many cases, he or she may be included in the plan’s network. 

Medicare Select is a great way to save money on premiums, as long as you are willing to stay within the network. However, with emergency care, you can go to any hospital, but if you use out-of network providers for non-emergency care, you’re responsible for some of the cost. If you leave your Medicare Select plan, your insurance company must offer you a Medicare Supplement plan with similar benefits.

Looking for and finding a Medigap plan can be a bit confusing if you’re concerned about keeping your doctor. While there are Medicare Select options that require you to use doctors in a network, standardized Medigap policies do not require that you use a network and you can keep your own doctor. Take the time to familiarize yourself with the Medigap plans available in Texas and shop wisely. Stay with names you trust like Humana and BCBS of Texas and get the peace of mind that comes from knowing you are covered completely- with your own doctor.

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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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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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Can Someone Under 65 Get a Medigap Plan in Texas?

Tuesday, October 25th, 2011

If you are under the age of 65, you may already have Medicare because you are disabled or have End Stage Renal Disease (ERD). In this case, you may be wondering if you are eligible to purchase a Medigap plan in Texas. You already know that Medigap insurance is only available to those who are 65 or older. However, because you are enrolled in Medicare early, you may be eligible to purchase Medigap insurance as well. Take the time to familiarize yourself about the eligibility requirements for Medigap insurance in Texas and make the most informed decisions regarding your health care coverage.

Medicare and Medigap Insurance

Medicare is federally funded health insurance available to most people 65 or older and those under 65 with certain disabilities or ERD. It is designed to help pay for a portion of health care costs and as a result, does not pay for it all. In many cases, people on Medicare purchase a Medigap policy to supplement original Medicare.

Medigap insurance, also called Medicare Supplement insurance, is sold by private insurance companies to fill the “gaps” in Original Medicare. Medigap insurance is useful for helping to pay out-of-pocket expenses that original Medicare doesn’t pay like deductibles, copayments and coinsurance. Generally, to be eligible to purchase a Medigap policy, you must be 65 and enrolled in both Parts A and B of Medicare. However, there are some exceptions.

If You are Under 65

Federal law does not require insurance companies to sell Medigap plans to people under the age of 65. In fact, even if you have a legitimate disability and are enrolled in Medicare, you might not be able to buy the Medigap policy you want until you turn 65. Some states do not offer Medigap plans at all to those under 65.  In Texas however, insurance companies are required by law to offer at least one kind of Medigap policy for people with Medicare under 65.

While there are 10 Medigap plans to choose from, private insurers in Texas are required to offer Plan A only, meaning that they do not have to offer the other 9 plans.

Open Enrollment and Guaranteed Issue Rights

If you are under the age of 65 and receive Medicare as a result of a disability or ERD, you have a six month open enrollment period which begins the day you enroll in Medicare Part B. However, this open enrollment right only applies to Plan A. Additionally, you may be able to purchase a Medigap plan outside of your open enrollment period, through a Guaranteed Issue Right. If you lose certain types of health coverage, and can prove so with documentation, you will be able to purchase Plan A. Remember, your guaranteed Issue Right is only available for 63 days beginning on the date you received notice or from the actual last day of coverage. Fortunately, insurance companies cannot place restrictions on these policies like waiting periods for pre-existing conditions or exclusions.

Remember, simply because insurance companies in Texas are required to offer Plan A only does not mean that they won’t offer some or all of the remaining 9 plans available in Texas however we no of nothing other than A being offered. Make certain to check with your insurance provider and choose only reliable, dependable insurance companies when purchasing Medigap insurance in Texas. Stay with a provider that Texans just like you have come to know and trust like United of Omaha and rest assured that your health care coverage is in good hands.

If you are on early age Medicare due to a disability and think it might be wise to get a Under 65 Medigap plan in Texas visit our website offering Texas Medicare Supplement Insurance to check rates in your area.

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How Difficult is it to Purchase Medicare Supplement Insurance in Texas?

Thursday, September 8th, 2011

If you’re like most Texans, you understand the importance of dependable and reliable health care. After all, you’re always prepared and you’re not willing to let health care get the best of you simply because it’s a bit confusing. If you’re 65 or about to turn 65, you’re eligible for Medicare. As a federal health insurance program available to all Texans, Medicare coverage pays for a significant portion of health care costs. Nevertheless, it doesn’t pay for it all. Unfortunately, there are deductibles, copayments and even coinsurance costs that can add up quickly.

The good news is that you’re not alone if you’re considering Medicare Supplement insurance to fill in the gaps not covered by original Medicare. However, more than likely, you have some questions and you’re not quite sure what to look for in this type of insurance. Luckily, learning a little information now can help make things much easier for you if and when you make the decision to purchase Medicare Supplement Insurance in Texas.

Know What you are Looking for

Before looking for Medicare Supplement insurance, you should understand what it really is. Medicare Supplement insurance, also called Medigap insurance, is insurance sold by private companies to help folks like you pay for costs not covered by original Medicare. These costs can include deductibles, copays and even coinsurance. In many cases, Original Medicare leaves you responsible for a lot of money out-of- pocket and Medicare Supplement insurance helps you pay.

There are several different Medicare Supplement insurance plans, designated by the letters A through N. Each plan has slightly different coverage which is why it is necessary to review each plan carefully. In some cases, you may not need all the coverage provided by a particular plan. In other cases, you may decide you want other types of coverage. However, the most popular plan in Texas is Plan F. As a supplement, Plan F completely eliminates all deductibles, copay, and coinsurance, leaving you owing nothing in the event you need medical care and another feature of this plan is that it will even pay excess charges over what Medicare allows. For most seniors, this plan makes the most sense because it gives you peace of mind knowing that your medical bills are completely paid for.

Be Prepared

In addition to understanding what you’re looking for in Medicare Supplement insurance, you should know the eligibility requirements. In Texas, to be able to purchase a Medigap policy, you must be enrolled in both Part A as well as Part B of Medicare. In most cases, if you are 65 or over, you are already enrolled in Part A. In fact, for Texans, enrollment in Part A of Medicare is automatic and happens on the first day of the month in which you turn 65. Enrolling in Part B is your choice. You have the option to sign up anytime during a 7 month period that begins 3 months prior to you turning 65. However, remember, you must be enrolled in both Part A and B to purchase Medicare Supplement insurance.

Know Where to Look

Medicare Supplement insurance in Texas is sold by private insurance companies like Blue Cross Blue Shield of Texas, Gerber Life or United of Omaha Life Insurance. All Medicare Supplement Insurance is standardized which means that every plan of the same letter, regardless of who sells it must contain the same coverage. For instance, Plan F offered through Blue Cross Blue Shield must contain the exact same coverage as Plan F offered through another insurance company. This makes comparing cost between companies very convenient.

However, make certain that you choose only reputable insurance providers when purchasing Medicare Supplement insurance. Simply because other companies are selling Medigap policies does not mean that they are dependable. When it comes to medical care, trust those you know have a proven record of success like Blue Cross Blue Shield of Texas or Gerber Life. You don’t want to regret trusting a no name company that fails to deliver when you need them most.

Purchasing Medicare Supplement insurance in Texas can be easy and stress free. Learn the basics behind what you are looking for, eligibility requirements and where to look for quality, dependable coverage. Following these steps will ensure that you choose Medicare Supplement Insurance that is right for you.

For more information or to obtain a free quote on Medicare supplement insurance in Texas visit our Texas Medigap insurance website.

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