Medicare Supplement

 

Texas Senior Benefits specializes in Medicare Supplement. We take great pride in educating and helping the seniors of Texas with their Medicare Supplement.  We are an independent agency, meaning we represent a number of leading Medicare Supplement insurance companies in order to better serve our policyholder.  Independence allows us the ability to compare Medicare Supplement rates, products and companies and offer unbiased recommendations in order find the best companies and products at the lowest available rates offered through our companies.

 

Why Choose Texas Senior Benefits ???

TEXAS PROUD – We are a Texas based agency!

SPECIALIZED – We specialize in only in Texas Senior Benefits!

INDEPENDENT – We are an independent Texas agency!

 

How can we help you with your Medicare Supplement?

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Cost is usually the only difference between Medicare Supplement plans sold by different insurance companies. Since costs can vary from company to company, it is very important to compare and receive quotes from multiple companies.

CLICK HERE to get a FREE & EASY Medicare Supplement Quote!

 

Medicare Supplement Basics

A Medicare Supplement is health insurance policy sold by private insurance companies to fill “gaps” and costs not covered by Original Medicare. A Medicare Supplement is designed to help pay your share of the costs (co-insurance, co-payments, deductibles, etc.) associated with Medicare-covered services. Medicare may cover many health care services and supplies, however it was never intended to cover ALL your health care costs. In fact, the average person could end up spending thousands per year out of their own pocket…which is why many Medicare beneficiaries choose a Medicare Supplement.

Insurance companies can only sell you a “standardized” Medicare Supplement. This means that all Medicare Supplement policies sold by the various companies have specific benefits, so you can compare them easily. Medicare Supplement policies must follow Federal and state laws. These laws are developed protect you, for example the front of a Medicare Supplement must clearly identify it as “Medicare Supplement Insurance.”

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Medicare Supplement Plans

Medicare SELECT is a type of Medicare Supplement that is sold in some states and may require you to use specific hospitals and, in some cases, specific doctors within its network to be eligible for full insurance benefits. (The network restriction generally applies only to “non-emergency” services. In the case of “emergency” services the restrictions generally do not apply.) Medicare SELECT can be any of the standardized Medicare Supplement plans and generally costs less than traditional Medicare Supplement plans. Note, if you do not use a Medicare SELECT hospital or doctor for non-emergency services, you may have to pay some or all of what Medicare does not pay. Medicare will pay its share of approved charges no matter which hospital or doctor you choose.

Generally, when you buy a Medicare Supplement policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medicare Supplement insurance company. As long as you pay your premium, your Medicare Supplement is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium.

 

3 Steps to Your Medicare Supplement…Click a Step!

1 – Learn! Get a FREE Medicare Supplement Buyer’s Guide!

2 – Compare! Get a FREE Medicare Supplement Quote!

3 – Enroll! – Submit your Medicare Supplement application!

 

You are guaranteed the right to buy a Medicare Supplement under certain circumstances. You and your spouse must buy separate Medicare Supplement. Your Medicare Supplement won’t cover any health care costs for your spouse. Some Medicare Supplement policies also cover other extra benefits that aren’t covered by Medicare.

Much of the information detailed above is taken from the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare”, published by the Centers for Medicare & Medicaid Services (CMS).  CMS is the federal agency responsible for administering the Medicare, Medicaid and several other health-related programs.

Medicare Supplement and healthcare can be an intimidating subject, especially now with all the recent changes and proposed legislation.  Often, people are simply confused and overwhelmed with company selection, application process, underwriting guidelines, premium rates, rate guarantees, etc.  Our licensed and trained agents and Medicare specialists can help educate, assess your needs, compare rates from the top-rated companies and enroll you in the plan of your choice.

FREE and EASY MEDICARE SUPPLEMENT QUOTE!