Our Trusted Texas Medicare Supplement Carriers
I just finished up with a very helpful and friendly chat with Katie Brennen. She was able to answer all my questions with ease and gave me information to make a decision that was beneficial both financially and medically. I’m all signed up and ready for the big 65 in April. I’m sure that when my wife is ready next year, we will be using their services once again.
I am very pleased with the guidance, personal attention and follow through I received from Robin at Senior Healthcare Direct. She was able to “de- mystify” my concerns switching from an employer based group health plan to the Managed Medicare plan that is tailored to suit my needs.
Recenty, I contacted this company to see if they could help me find a plan to help me save some money, because I felt like I was paying too much for my supplemental plan. Turns out I was, and with this company’s help, I was able to save almost 100 dollars a month. If you think you are overpaying for your supplemental insurance, give them a call. It could save you some money. Their agents are very courteous and very knowledgeable. Wish I had known about them sooner.
Very knowledgeable-got the best coverage for lowest price. Thank you Nicole-You Rock!!!
Melissa was so awesome she had all the answers to my questions i felt like i was talking to a friend who was concerned about my well being thank you so much.
Bonnie Jean worked wonders for me in getting the best plan. This was my second time to use the services and I recommend them to anyone who is seeking help in getting through all the multiple choices available. Thanks Senior Healthcare Direct for placing such a friendly professional to guide me in this very important decision.
Medicare Bob ROCKS! He really knows his stuff and has the client’s best interest at heart. Second year to use his services – told him today I will still be talking to him in 20 years around renewal time! (He promised to forgive me if by then I have no clue what I’m talking about.) Good guy!
I have been dealing with them for years, I am very pleased with the service they provide. Every year I call them and they search for the best price for me for both my supplement and my plan D.Thank you Medicare Bob and staff, you are wonderful.
I felt like the person I talked to cared about me personally. I was at ease and pleased that he answered all my questions. Will keep his number and call anytime I have questions.
Very helpful. Will give you all of the options that meet your needs, for the best price.
I looked at a lot of plans until I found Senior Health Care Direct. Beau Ray, was very helpful, explained everything and best of all saved me a bunch of money when I applied for plan G. I highly recommend their service. Thanks
Thank you for your services, extremely helpful. Brad you have wonderful customer service skills with lots of patience and listening skills. Hopefully I can send more seniors your way. Again thank you looking forward to future communications.
I was contacted by Melissa Nagel and all my anxiety about Medicare and prescription plans went away. Easy and affordable. Thank you.
Texas Medicare Supplemental Rate Sheet Example
As you can see by reviewing our sample Texas Medicare Supplement Rate sheet instead of calling each carrier one by one, with just one phone call we give you access to the most affordable Medicare plans in Texas from the nation’s top Medicare insurance carriers all in one place. Its 100% free and the is absolutely no obligation to sign up.
Senior Healthcare Direct, MedicareBob’s office simplifies this process for you, by filling out the form on the top of this page you will receive a rate comparison from the most affordable Medicare insurance carriers in Texas. Again, this is 100% free and there is no obligation to sign up.
TEXAS MEDICARE SUPPLEMENT PLANS (MEDIGAP)
Texas Medicare Supplement plans provide Medicare A and B beneficiaries with additional coverage. Medicare Supplement insurance is also referred to as Medicare Plans. When enrolled, you will pay the insurance Carrier an additional monthly premium and in return, that Carrier will pay your Medicare deductible payments, co-payments and coinsurance.
TEXAS MEDICARE SUPPLEMENT PLANS
There are up to ten different Texas Medicare Supplement plans available to Texas Medicare Part A and B beneficiaries qualify. With Medicare Supplement Insurance, it is important to understand that the letter of the Plan determines the coverage, not the insurance carrier. For example, a Medicare Supplement Plan G with Blue Cross Blue Shield provides the same exact benefits as a Medicare Supplement Plan G with United Healthcare / AARP. The only difference is what each carrier is charging for the Medicare Supplement Plan. In Texas, the best time to purchase TX Medicare Supplement insurance plans is the Open Enrollment Period.
This period starts 6 months before the enrollee is 65 & enrolled in Medicare Part B and lasts for 6 months after. You must first make sure you’re enrolled in Medicare, as you don’t qualify for the supplement until you’re enrolled in Original Medicare Parts A and B. The Open Enrollment Period is often referred to as the OEP. During this period, you are automatically approved. This means a carrier can’t deny you coverage due to a current or previous health condition. All your pre-existing health conditions are covered right away.
It is important to understand that you can shop your Texas Medicare Supplement Plan all year. Medicare’s Annual Election Period that runs from October 15th through December 7th does not apply to TX Medicare Supplement Plans.
TEXAS Medicare Supplement Rates
Each Texas Medicare Supplement Plan is assigned a letter that determines the benefits. The letters are Medicare Supplement Plan A through Medicare Supplement Plan N and have tight regulations as to what benefits will and won’t be covered in each Plan. These benefits are regulated by the government, so regardless of the carrier you go with the benefits will remain the same.
As I mentioned above, the only difference between each carrier is the price each carrier is charging. Therefore, Texas Medicare Supplement rates will vary from carrier to carrier. When comparing plans, beneficiaries should first take time to familiarize themselves with the benefits included in each plan letter.
The three most comprehensive and popular TX Medicare Supplement Plans are Medicare Supplement Plan F (I call this “full coverage”), Medicare Supplement Plan G (I call this “greatest value”) and Medicare Supplement Plan N (I call this “not fixed”).
It is important to understand how each TX Medicare Supplement Plan works so that when you are comparing a plan with your individual medical needs, as well as considering family history and likely conditions to occur later, it will likely become clearer which plan will best work for the you. Combining this while keeping your budget in mind is a good way to make an educated choice on TEXAS Medicare Supplemental plans.
Texas Medicare State Facts
- As of January 2018, there are 3,942,886 Medicare beneficiaries living in TEXAS. 2,390,611 have Original Medicare and just over 1,552,275 have Medicare Advantage Plans.
- In Texas, you must be at least 65 years old to purchase a Medicare Supplement Plan. If you qualify for Medicare and you are under 65 years old, you are only eligible for a Medicare Advantage Plan.
Compare Medicare Supplement Plans in Texas
Medicare secondary insurance can be confusing. However, the more you learn, the easier it will be. Once you have decided that TX Medicare Supplement insurance is the type of coverage you want, the next step is deciding which lettered TX Medicare Supplement you need. As you have seen through MedicareBob’s videos, TEXAS Medicare Supplement Plan G is my, (Robert Bache “MedicareBob’s”), recommendation. You can learn more about all the different plan options on our website through my video blog. CLICK HERE
I have been extremely successful assisting TEXAS Medicare beneficiaries using three core principles: Education, Options and Customer Service. My team of senior Medicare agents are happy to help. Call the number above and our agents will find the best plan with the most affordable carrier in your TEXAS. We know your time is valuable, so we also offer the option to compare Medicare Supplement plans in TEXAS online here.
TEXAS MEDICARE PART D PLANS
Texas Medicare Part D Plans are provided through private carriers and are Medicare’s prescription drug plan. Medicare Part D Plans are regulated by Medicare; however, each TX Medicare Part D Plan can have different benefits. The monthly premium, the formulary, prior authorizations, all may vary between each Texas Medicare Part D Plan. There are four levels in Texas Medicare Part D Plans: The Deductible stage, the Co-pay stage, the Coverage Gap stage and the Catastrophic stage.
Choosing Texas Medicare Part D Plan
In TEXAS, unless you are in your Initial Enrollment Period, or you qualify for a Special Election Period, you can only purchase a Medicare Part D Plan during Medicare’s Annual Election Period. This election period is every year between October 15th and December 7th.
When we assist Medicare Beneficiaries in TEXAS with their Medicare Part D Plans we focus on choosing the TX Medicare Part D that has the lowest estimated annual cost. We do this by gathering a list of the clients’ medications and searching through all of the Texas Medicare Part D Plans to see which Plan will save the client the most amount of money through each Part D stage.
TEXAS MEDICARE Advantage PLANS
Medicare Advantage Plans in Texas are not Standardized. TX Medicare Advantage Plan benefits are based on the county in Texas that you live in. With a Texas Medicare Advantage Plan, Medicare Parts A and B will not be your Primary insurance. Therefore, you will have a Provider Network, so you can only go to certain doctors and hospitals. In Texas, Medicare Advantage Plans have three types of Provider Networks: An HMO, PPO and a PFFS.
Choosing Texas Medicare Advantage Plan
In Texas, unless you are in your Initial Enrollment Period, or you qualify for a Special Election Period, you can only purchase a Medicare Advantage Plan during Medicare’s Annual Election Period which is every year between October 15th and December 7th.
Our office is appointed, certified and approved to assist you with choosing a Texas Medicare Advantage Plan. The first step is deciding if you want a “Network Focused” or a “Benefit Focused” Plan. A “Network Focused” Plan is an option for a Medicare Beneficiary that insists on keeping certain doctors and/or hospitals. A “Benefit Focused” Plan is for a Medicare Beneficiary that is wanting the TX Medicare Advantage Plan that provides the lowest out of pocket costs, has the lowest monthly premium, and may even have some extra benefits such as gym membership, dental coverage and more. Our office can assist you with choosing the right Texas Medicare Advantage Plan.
It is important to understand that if you choose a Medicare Advantage Plan and later you would like to enroll into a Medicare Supplement Plan (Medigap), you will be required to medically qualify.