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

Posts Tagged ‘united of omaha’

Are Medigap Plans Available in Texas for All Seniors?

Friday, April 20th, 2012

Now that your 65, you’re most likely eligible for Medicare and Medicare Supplement insurance, also called “Medigap”. Medigap is a powerful tool to have at your side when dealing with the costs of medical care, potentially saving you thousands of dollars. With deductibles, copays and coinsurance, even with Medicare, going to the doctor can cost a small fortune. But are there Medigap plans available in Texas for all seniors? Read some information and be prepared when it comes time for selecting the coverage you need.

Why Medigap Insurance?

Medicare supplement fills in the “gaps” that Original Medicare doesn’t pay for like deductibles, coinsurance and copays. In some cases, Medicare Supplement pays for services Original Medicare doesn’t pay at all like benefits while in a foreign country.  A Medigap plan can save you money by eliminating some or all of your out-of-pocket expenses.

In Texas, there are several different plans available- ten to be exact. Plans are identified by letters of the alphabet and are made up of different combinations of benefits. Plan “A” for instance offers minimal coverage, while Plan “F” offers comprehensive coverage, eliminating out-of-pocket expenses completely. There are a variety of combinations, which is why it makes sense to review each plan carefully to ensure you get the coverage you need at a price you can afford.

Medicare Select is also available in Texas as a way to help seniors save a little money on premiums. With a Medicare Select plan, you still receive the same coverage as a standard plan, but you pay less in exchange for using hospitals and health care providers in a plan’s specified network.

Who’s Eligible?

Fortunately, most Texans who are 65 or older are eligible for Medigap simply because they’re enrolled in Original Medicare- Parts A and B.  However, there are some cases where you may not be eligible or you may not need Medigap insurance. If for some reason you decide not to accept Part B, then you are not eligible to purchase a Medigap plan. If you have group insurance through an employer, have a Medicare Advantage plan or are receiving Medicaid, you may not need additional coverage.

Shop Wisely

Shopping around for Medicare Supplement insurance is tricky enough with all the different companies and all the different plans available. Luckily, Medigap plans are standardized by the government. This means that every insurance company that sells Medicare Supplement must provide the same plans, containing the same basic benefits. In other words, a Plan “F” offered by one company must contain the same basic benefits as a Plan “F” offered by a different company.

Simply because plans are standardized does not mean different insurance companies will be the same. There are stark differences in cost, dependability and reliability that must be taken into consideration. You may be able to find a great plan for less, but be wise when choosing coverage and stay with household names you know and trust for delivering benefits on time and when you need them most. Companies like United of Omaha or Blue Cross Blue Shield of Texas have worked hard to gain the trust of Texans by providing coverage they can depend on.

Become familiar with the Medigap plans offered in your area. Read about the different types of coverage and how specific plans may or may not save you money. Choose your provider carefully and make the most of Medicare Select  for saving money on premiums. Luckily, with several different options to choose from, if you’re eligible, there is most likely the right Medigap plan available in Texas for you.

For additional information or to obtain an easy to read Medicare Supplement Quote visit our website.

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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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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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Texas Medicare Supplemental Insurance Protects Retirement Income

Wednesday, September 14th, 2011

As American’s, we’re living longer than we used to. While this is terrific news for those of us over 65, it may not be for our wallets. Managing your income is always important, regardless of your age. Nevertheless, during retirement it’s even more important as you depend on a reliable stream of income that will last. Taking steps towards protecting it is not only important but prudent– and the best way to ensure an enjoyable retirement.

In Texas, once you reach 65, Medicare pays for a significant amount of your health care costs. Unfortunately, it doesn’t pay for everything. Out-of-pocket expenses like deductibles, copayments and even coinsurance can significantly impact your retirement finances. Luckily, Medicare Supplement insurance can reduce or eliminate these expenses, protecting your retirement income, leaving more of it untouched.

Retirement Income is Limited 

Chances are when you were working full time, your income came from one very reliable source -your job. Now that you are close to retirement or retired already, you’re not alone if you’re considering Social Security as a major contributor to your retirement income. In fact, more than a third of all current workers in the United States expect Social Security to completely fund their retirement. Either way, more than likely, your income is limited. You need to make certain that it is enough to last through your retirement years. This means planning strategically. Finding a health care plan that helps you in this effort is key.

Plan for Health Care Expenses 

It’s very easy to underestimate the amount of money you will need for health care. With the growing costs of prescription drugs and medical care in general, even one unexpected expense could significantly deplete your retirement assets. While Medicare covers many essential health care needs, there are many gaps that will cost you money.

One of the simplest ways to protect your retirement income is to find a solution for ensuring health expenses are covered completely. Medicare Supplement insurance is an option that is available to all Texans enrolled in Medicare. Medicare Supplement insurance pays for the gaps in coverage that Original Medicare doesn’t cover. If you chose the right plan, you can pay less out-of-pocket expenses, protecting  your retirement income.

Choose the Right Medicare Supplement Insurance

The best way to get the right Medicare Supplement insurance is to look at the coverage and out-of pocket expenses that are offered with each plan and compare that to your specific financial situation. In Texas, there are several Medicare Supplement insurance plans available, identified by the letters A through N. For most Texans, Plan F offers the best protection because it completely eliminates all deductibles, copayments and coinsurance as well as paying any excess charges your doctor may charge over the Medicare approved amount. As a proven method for protecting your retirement income, Plan F easily gives you the most peace of mind.

In addition to choosing the best Medicare Plan, make it a point to find coverage through a dependable, reliable health insurance provider. Remember, all Medicare supplement insurance plans are standardized, meaning every insurance company must offer the same coverage. With that in mind, be sure to choose a trustworthy companies like Blue Cross Blue Shield of Texas or United of Omaha who have been providing Medicare Supplement Plans to Texans just like you for years.

Retirement should be a time for relaxing with family and friends, not worrying about health care costs. Take steps to protect your retirement income by choosing Medicare Supplement insurance to help keep out-of-pocket expenses to a minimum. Peace of mind is just a phone call away with your local Blue Cross Blue Shield of Texas representative.

For additional information or to get a no hassle quote on Blue Cross Blue Shield of Texas Medicare supplement plan or quotes from other well known insurance companies visit our Texas Medicare supplemental insurance website.

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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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