Archive for April, 2014

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Medicare Insurance Plans can help

Medcare supplements fill the gap

Medicare supplement insurance plans help seniors plan

Medicare supplement insurance plans help seniors plan

Once you’re eligible for Medicare you don’t have to worry about insurance, right?

It’s not that simple.

While Medicare does provide a great foundation of insurance for seniors, it doesn’t cover everything. Seniors who rely solely on Medicare to fund their medical expenses quickly find out that their financial situation is looking grim. Uncovered expenses can quickly expand into thousands of dollars. Most seniors are discovering that they need a Medicare Supplement plan to pay for those uncovered expenses.

A Medicare Supplement plan acts as a secondary insurance to Medicare, stepping up to pay where Medicare only partially does. Sometimes referred to as Medigap insurance, since it pays for the “gaps” in Medicare, these supplements plans are widely available. You can enroll in a Medicare Supplement plan three months before your 65th birthday, as soon as you enroll in Medicare and benefits will start on the first of the month in which you were born. These plans are offered by the same companies that offer traditional health insurance: BlueCross BlueShield of Texas, Humana, Cigna, Aetna and Mutual of Omaha.

For more information about determining which Medicare Supplement plan is right for you, call Texas Medical Plans today at (888) 750-3164.

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Getting the most out of your insurance

Now that you have a medical insurance plan in Texas, there are several ways to help keep your out of pocket expenses in line with your budget.

Whether your Texas medical plan includes a PPO (preferred provider organization) or an HMO (health maintenance organization) your costs will be lower when you chose a doctor and hospital that is within network. Not sure if your chosen provider is within your health insurance network? When you call to make your appointment, the physician’s office staff should be able to help you, just have your medical insurance plan card for reference.

Your medical insurance plan should also provide prescription coverage. Like many things, you’ll get the best deal when you choose generic options. Generic prescriptions have the same formulary as brand-name alternatives, without the expensive marketing costs. Because of that, they are much cheaper for the consumer. Be sure to tell your physician you would prefer generic options whenever possible.

One of the most expensive options for care is the hospital emergency room. Most Texas health insurance plans have a minimum deductible for emergency room visits. You can help avoid those costs by choosing to visit your regular physician whenever possible. In a life-threatening emergency, of course the emergency room should be your first line of defense.

PO Box 1270 Wimberley, TX, 78676
15577 RR 12 Wimberley, TX, 78676

Get in touch with us at
TexasMedicalPlans@health-quotes.com

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Phone: (888)750-3164
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