Medicare

Important Notice to Current or Future Medicare Beneficiaries

We do not offer every plan available in your area. Currently, we represent 12 organizations which offer 65 plans in Texas. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. 

What is Medicare?

Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Advantage or Medicare supplement plans to supplement your Part A and Part B benefits.

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

• Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
• Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
• Part C: Combines Parts A and B and often part D as well.
• Part D: Covers prescription drugs, some of which are subject to a deductible and/or copay.

What Medicare options are available?

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare. There are two Medicare plans that we can assist you with.

• A Medicare Advantage Plan, also known as Part C, combines Part A and Part B for more comprehensive health care coverage. Many Medicare Advantage plans have $0 monthly cost because the federal government subsidizes these plans with payments to insurers. Most include prescription drug coverage (Part D). Many Advantage plans include extra benefits such as dental, vision, hearing, and gym membership at no extra cost.

• A Medicare Supplement Plan, also known as Medigap, has a monthly premium but fills the coverage gaps in Medicare Parts A and B.

Why do you need Medicare?

Seniors are in the most need of health care, but once retired monthly premiums can become hard to maintain. Enrolling in the Medicare program allows you to get the care you need for a minimal charge.

Contact us today to learn more about coverage options. We are happy to work with you to determine which Medicare options works best for you.