Welcome, at this site you will learn about Texas Medicare and Texas Medicare supplemental insurance. The goal here is to provide you with the information to purchase a Medicare supplement plan that best suits your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Texas Medicare?
Texas Medicare is merely Medicare operated inside the state of Texas. Medicare is the country’s health insurance program for individuals age 65 or older. Some people younger than age 65 can qualify for Medicare if they have specific disabilities. The program helps pay for the cost of healthcare, but it fails to cover all medical expenses or the cost of most long-term care.
When should I apply for Texas Medicare?
If you are not currently getting retirement benefits it is advisable to contact Social Security about three months before your 65th birthday to enroll in Medicare. You may enroll in Medicare even when you do not intend to retire at 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical bills when you have been admitted to a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 per day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical bills for doctor services, some preventive services as well as other medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
Although Medicare covers a large part of your Medical expenses there are many gaps left for you to pay. These gaps can easily strain a person’s financial resources. A Texas Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very affordable for most people.
Texas Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized these plans. This means all plans labelled by the same letter provide identical coverage regardless of whether you purchase your insurance from Gerber, AARP, United Health, Mutual of Omaha or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Texas Medicare supplement plan F: This is the most popular and comprehensive plan. It covers all the gaps left in both Medicare Part A and Part B.
Texas Medicare supplement plan G: This plan is just like Medicare supplement plan F with the exception of not covering the yearly Medicare Part B deductible. For many people this plan is often the smartest choice if you don’t mind paying the yearly deductible instead of the sometimes higher monthly premiums for Medicare supplement plan F.
Texas Medicare supplement plan N: Unlike Medicare supplement plan F this plan contains a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for less expensive monthly premiums. It is designed as an alternative to Medicare Advantage plans, while adding the flexibility and stability of a Medicare supplement plan. This plan also does not cover excess charges.
There are lots of insurance companies selling Texas Medicare supplement plans and the costs can vary quite a bit from company to company. Many who do not utilize the services of an independent agent end up paying over 40-50% more for their insurance! It is a shame especially when getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.