As people get closer to 65, they start thinking about Medicare. A Texas Medigap Insurance Plan may be the best option when needing help to pay medical bills. While Medicare does pay some, it doesn’t pay all.
Medicare Part A – This part covers staying in the hospital. There is a deductible which can be “reset” and must be paid again based on some circumstances.
Medicare Part B – This part covers visits to the doctor. Medicare pays 80%, and the patient pays 20%. There is also a monthly payment as well as a yearly deductible.
These bills could add up fast. Part A and B take care of about one-half of the costs. This is where Medigap Insurance Texas can help out a lot. The different plans cover near to all of the costs that Part A and B don’t cover based on the Plan you choose.
Companies don’t have to provide each Plan Letter, and each State makes its own laws. This means that Medigap Insurance in Texas may not look the same as in another State.
Plan F: This Plan gives 100% coverage and pays for all of the “gaps” that Medicare Part A and B do not pay. Skilled Nursing coinsurance is covered up to 100 days as well as the access charges of Part B.
Plan G: This Plan pays for the big charges Medicare doesn’t pay for. The Part A deductible is paid for, but this Plan does not pay the Part B deductible.
If you are within 6 months of your effective date of Part B Medicare you are in what is called the “Open Enrollment Period” for Texas Medigap Insurance. This means there is no medical underwriting and pre-existing conditions do not come into play when getting your coverage. You will definitely want to make sure you apply for Medicare Supplemental Insurance in Texas during this time.
Coverage and costs differ with all of the Texas Medicare Supplement plans. We can help you decide which Texas Medigap Insurance Plan fits your needs and find you the lowest premium year-after-year!
With so many Texas Medicare Supplement Plans currently available offering coverage of the “gaps” in Medicare, it can get confusing. Are deductibles covered? What about co-pays? Will my doctor accept the plan? We know it’s a lot to take in . . . . .
For anyone turning 65 and taking Part B Medicare, Medigap Insurance
companies must sell you any of the Texas Medicare Supplement Plans even if you have pre-existing conditions. There is a period of 6 months from your Part B effective date . . . . .
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