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5 More Reasons to Have Life Insurance with Living Benefits

5 More Reasons to Have Life Insurance with Living Benefits

Why more Americans are not purchasing life benefits with a chronic illness or long-term care rider is beyond me! It should be a no brainer, a slam dunk. Where else can you create a pool of money so quickly, with the first payment, that will take care of you while you are living or take care of your loved ones when you die?

Here are just a few stats that should make our hair stand up on end:

  • Approximately every 40 seconds, an American will have a heart attack.
  • 92% of older adults have at least one chronic disease; 77% have at least 2.
  • Every 40 seconds someone in the US has a stroke.
  • Every 66 seconds someone develops Alzheimer’s Disease – see resources

The average couple retiring at age 65 can expect to pay $260,000 to cover their health care costs in retirement. This is for their health care costs only! What about everything else? It is estimated that 20 years from now the cost for assisted living in the state of Texas will from $3,500 monthly to $6,321 based on 3% inflation. Care in a nursing home semi-private room goes from $4,563 monthly to $10,932! That is staggering! How can anyone afford to pay for that? Most Americans have little savings and no long-term care benefits! (Check out this handy Cost of Care tool.)

Enter life insurance with living benefits, or as I like to say, You have the opportunity to create a pool of money for life and your loved ones by discovering the power of living benefits.”

Here are 5 great reasons for life insurance with living benefits:

  • You understand that you need to have something in place to help take care of health care costs as you age. You just have not gotten down to doing it or think long-term care insurance is too expensive. Life insurance with living benefits may be a perfect fit. You just need to ask about it!
  • If you are already considering life insurance, adding living benefits does not add that much to the cost.
  • You don’t lose it if you don’t use it. One of the arguments you may have heard about long-term care insurance is “What if I don’t use it?” This policy will pay you while you are living or if you don’t need the living benefits, it will help support your loved ones when you pass.
  • It is not that difficult to understand. If you cannot perform 2 or the 6 activities of daily living and have a chronic diagnosis by a doctor (not all policies require the “chronic” diagnosis anymore) you will receive your monthly benefit amount based on the policy rider. I realize this is pretty basic and each policy has stipulations, but that really is it.
  • Not many people are aware this product exists. Although living benefits on life insurance policies is gaining traction, not that many people are aware of them because not many agents are offering them.

Life insurance with living benefits may not fit for everyone, but how will you know if you don’t ask?

If you would like to learn more about how life insurance with living benefits works, simply give me a call and I would be happy to discuss it with you.


New Medicare Cards

New Medicare ID Cards are Coming Soon 

The Social Security Number (SSN) based Health Insurance Claim Number (HICN) from Medicare ID cards are being removed to help prevent fraud and fight identity theft.

The Centers for Medicare & Medicaid Services (CMS) will mail out new Medicare ID cards between April 2018 and April 2019 with a unique new Medicare number.

Getting everyone new Medicare cards will take time. Medicare member’s will receive their cards at different times over the next year. One member’s card might arrive at a different time than their friend’s or neighbor’s card.

If you have a Medicare Supplement Insurance Policy in addition to Medicare, your insurance member ID cards and policy number are not impacted by this change. You do not need to notify your insurance carrier of the new Medicare number.


10 things to know about your new Medicare card

1. Your new card will automatically come to you. You don’t need to do anything as long as your address is up to date. If you need to update your address, visit your mySocial Security account.
2. Your new card will have a new Medicare Number that’s unique to you, instead of your Social Security Number. This will help to protect your identity.
3. Your Medicare coverage and benefits will stay the same.
4. Mailing takes time. Your card may arrive at a different time than your friend’s or neighbor’s.
5. Your new card is paper, which is easier for many providers to use and copy.
6. Once you get your new Medicare card, destroy your old Medicare card and start using your new card right away.
7. If you’re in a Medicare Advantage Plan (like an HMO or PPO), your Medicare Advantage Plan ID card is your main card for Medicare—you should still keep and use it whenever you need care. However, you also may be asked to show your new Medicare card, so you should carry this card too.
8. Doctors, other health care providers and facilities know it’s coming and will ask for your new Medicare card when you need care, so carry it with you.
9. Only give your new Medicare Number to doctors, pharmacists, other health care providers, your insurers, or people you trust to work with Medicare on your behalf.
10. If you forget your new card, you, your doctor or other health care provider may be able to look up your Medicare Number online.


Watch out for scams

Medicare will never call you uninvited and ask you to give them personal or private information to get your new Medicare Number and card. Scam artists may try to get personal information (like your current Medicare Number) by contacting you about your new card. If someone asks you for your information, for money, or threatens to cancel your health benefits if you don’t share your personal information, hang up and call Medicare directly at 1-800-MEDICARE (1-800-633-4227).  Learn more about the limited situations in which Medicare can call you.


Health Insurance, Income Tax Returns, & Repeal of the Individual Mandate

Not all 1095 forms have been issued at this time!

  • Please look for your 2017 1095-B or 1095-C form from your insurance company, if you had coverage outside of the Health Insurance Marketplace.
    Deadline for insurance company to provide forms  – March 2, 2018.
  • Short-term insurance plans do not satisfy the insurance mandate as minimum essential coverage; meaning you will not receive a tax form if you were enrolled in this type of plan in 2017.
  • For those with coverage through The Health Insurance Marketplace in 2017, 1095-A forms have already been mailed and can also be accessed via your marketplace login.

1095 forms provide information needed to report on the income tax return that you, (your spouse, and individuals you claim as dependents) had qualifying health insurance coverage (referred to as “minimum essential coverage”) for some or all months during the year. Individuals who do not have minimum essential coverage and do not qualify for an exemption (see table below) from this requirement may be liable for an individual shared responsibility payment, also referred to as a tax penalty.

Minimum essential coverage includes government-sponsored programs, eligible employer-sponsored plans, individual market plans, and other coverage the Department of Health and Human Services designates as minimum essential coverage. For more information about the tax provisions of the Affordable Care Act (ACA) visit the IRS website or call the IRS Healthcare Hotline for ACA questions (1-800-919-0452).


to avoid paying a tax penalty!

Form 1095-A

Health Insurance Marketplace Statement. The Health Insurance Marketplace (also known as an Exchange) sends this form to individuals who enrolled in coverage there, with information about the coverage, who was covered, and when.

Form 1095-B
Health Coverage. Health insurance providers (for example, health insurance companies) send this form to individuals they cover, with information about who was covered and when.

Form 1095-C
Provided Health Insurance Offer and Coverage. Certain employers send this form to certain employees, with information about what coverage the employer offered. Employers that offer health coverage referred to as “self-insured coverage” send this form to individuals they cover, with information about who was covered and when.

The IRS has extended the due date for employers and providers to issue health insurance coverage forms to individuals in 2018.

Insurers, self-insuring employers, other coverage providers, and applicable large employers now have until March 2, 2018, to provide Forms 1095-B or 1095-C to individuals, which is a 30-day extension from the original due date of Jan. 31.

Click here to download a PDF of this table



Healthcare Executive Order signed by President Trump

President Trump signed an executive order on Thursday, October 12, 2017 promoting healthcare choice and competition.

What Is in the Executive Order?

The National Association of Health Underwriters (NAHU) reports that the executive order signed by President Trump directs the secretary of Labor, R. Alexander Acosta, to consider proposing regulations or revising guidance to expand Association Health Plans. The intent of this directive is to allow employers in the same line of business anywhere in the country to join to offer healthcare coverage to their employees. It could potentially allow employers to form Association Health Plans through existing organizations, or create new ones for the express purpose of offering group insurance. This could lead to the sale of insurance across state lines through Association Health Plans; however, more action will need to be taken by the Department of Labor before this option can be available, and NAHU has urged the Administration to work closely with state insurance commissioners across the country to ensure that the rules that are enacted to allow such plans are able to address concerns by state policymakers regarding Association Health Plans crossing into the markets within their borders.

The executive order signed by President Donald Trump directs the Secretary of Health and Human Services, Eric D. Hargan, Secretary of Treasury, Steven Terner Mnuchin, and Secretary of Labor to consider proposing regulations or revising guidance to expand short-term health insurance – limited duration insurance. This directive would allow the agencies to revisit the rule enacted by President Obama’s Administration that limited the length of short-term health insurance plans to three months. The three-month duration limit on short-term health insurance was implemented on April 1, 2017. Prior to April 1st, short-term health insurance plans could be enforced anywhere from 30 days up to twelve months.

The executive order signed by President Trump directs the secretaries of Health and Human Services, Treasury, and Labor to consider proposing regulations or revising guidance to expand Health Reimbursement Arrangements. The intent of this directive is to allow employers to contribute more to their employees’ Health Reimbursement Accounts. Health Reimbursement Arrangements are employer-funded accounts that reimburse employees for healthcare expenses, including deductibles and copayments. The Internal Revenue Service does not count funds contributed to an Health Reimbursement Account as taxable income. The intent of this directive is to expand Health Reimbursement Accounts, which could provide employees with more flexibility in how their healthcare is financed.

What Happens Next?

The executive order signed by President Trump directs the secretary of Labor to act within 60 days to consider proposing regulations or revising guidance on Associated Health Plans. It also directs the secretaries of Treasury, Labor and Health and Human Services to act within 60 days to consider proposing regulations or revising guidance on Short term – limited duration plans, and for the agencies to act within 120 days to consider changes to Health Reimbursement Arrangements.

Within 180 days, the secretary of Health and Human Services, in consultation with the secretaries of Treasury, Labor and the Federal Trade Commission, must report to the president on state and federal laws, regulations and policies that limit healthcare competition and choice, as well as on actions that federal and state governments could take to increase competition and choice and reduce consolidation in healthcare markets.

The executive order signed by President Trump for healthcare does not direct the agencies to adopt specific regulations; therefore, for any policies to change, the agencies will have to go through the traditional rulemaking procedures of providing a proposed rule for public comment before being able to enact any final rules.

What about Open Enrollment for 2018?

At this time, nothing in the executive order sign by President Trump for healthcare will affect open enrollment for 2018 unless regulatory action is taken by the agencies. Until any such regulations are enacted, the Affordable Care Act “Obamacare” and all of its regulations, penalties and enforcement remain the law of the land.

MUST READ NAHU’s Statement on Today’s Executive Order, National Association of Underwriters, 12 October 2017, Accessed 12 October 2017.


Teacher Retirement System of Texas (TRS) 2018 Health Insurance Benefits

TRS health insurance benefits are changing for 2018 and our new alternative health insurance options could be a better option. Teachers are accustomed to changes from a school’s curriculum to testing standards, students, and most recently their retiree benefits. What most former educators may not know is that there could be better insurance options available to them besides TRS.

At the beginning of this year’s regular legislative session, TRS-Care came to the Legislature with a $1.1 billion shortfall, asking for supplemental funding to help maintain benefits for retirees. (1).

When TRS launched in 1985, it was expected to remain solvent for a decade with additional funding as needed. But its funding formula has not changed since 2005, a legislative joint interim committee reported last year.

Tim Lee, executive director of the Texas Retired Teachers Association, testified before the committee in March 2016 that without the additional allocations, retirees’ TRS health insurance premiums could have tripled by Sept. 1. The office of the Texas Comptroller of Public Accounts said rising costs, a growing retiree population and an outdated contribution system led to the funding shortfall. (2).

Lawmakers knew they needed to act differently and made drastic updates to TRS-Care. They cut the plans offered for those age 65 and younger from three options—one of which was free to retirees each month —to one option that would cost an enrollee $200 in monthly premiums.

The biggest changes for retirees over age 65, those eligible for Medicare, is that the cost to insure dependents has risen drastically. The cost to insure a spouse is rising several hundreds of dollars in some instances (1).

For Medicare eligible retirees and their Medicare eligible dependents TRS supplements their Medicare with a TRS-Care Medicare Advantage plan. Replacing the TRS-Care Medicare Advantage with a Medicare Supplement plan is now a better option for more Medicare eligible retirees. A Medicare Supplement plan can offer better coverage at lower monthly premiums. Texas Medical Plans is contracted with all the major Medicare Supplement insurance carriers in Texas meaning we find you the best coverage for the lowest rate. We do a complete overview to compare your TRS health insurance benefits with all the health insurance alternatives to ensure you and your family have the best coverage.

Premium costs went up for everyone, but for retirees under the age of 65 and not eligible for Medicare, their deductible is increasing as well.

As part of House Bill 3976, which Gov. Greg Abbott signed into law June 12, TRS-Care is no longer required to offer a $0 monthly premium health plan to retirees under 65 years old. The bill also said the state would contribute 1.25 percent of active employees’ salaries, up from the previous 1 percent contribution.

Katy ISD’s district contribution to TRS-Care also increased from 0.55 percent of payroll to 0.75 percent. KISD staffers are not contributing more per paycheck to TRS-Care, but HB 3976 cost the district $980,000, KISD Chief Financial Officer Chris Smith said. “So it took away $980,000 of what we could be doing for kids in Katy ISD,” Smith said. “It’s going to a good cause—it’s going to our retirees—but it’s not helping educate kids that are looking at us every day.”

Smith said he saw no immediate evidence KISD employees will delay retirement in order to avoid paying more for health insurance. Meanwhile, the district has about 250 retired employees who came back to do part-time work in KISD.

Young blamed the state and said retirees with fixed incomes are especially susceptible to the change in plan contributions. “[That is] a big problem—oversight and not anticipating the future,” Young said. (2).

On Friday, Sept. 1, 2017, TRS’ Board of Trustees passed a motion to apply additional funding from the special legislative session to reduce deductibles from $3,000 to $1,500 for TRS-Care non-Medicare participants and decrease premiums for TRS-Care Medicare-eligible participants. In addition, premiums for retirees with disabled children were reduced by $200. The Teacher Retirement System of Texas was allocated an additional $212 million after its leadership initially requested $1.35 billion to resolve a budget shortfall for its medical offering, TRS-Care.

Plan participants will receive additional information including an invitation to an in-person information session in their area and new plan guides by mid-November with details about the 2018 plans.

What does this all mean? Retired teachers 65 years and over and their dependents and retired teachers 64 and under and their dependents have new and more affordable health insurance options besides TRS. Do not miss out in getting the best insurance for you and your family before it is too late. Call our Licensed Texas Health advisors now at (512)847-3164. We are ready to review your coverage to get you the best!

2018 TRS-Care health benefits if you are not eligible for Medicare

2018 TRS-Care health benefits if you are eligible for Medicare

  1. Emily Donaldson, “TRS-Care experiences changes that will affect way retired teachers access health care in January”, Community Impact Newspaper, 7 Sept. 2017,  see full article here, Accessed 3 Oct. 2017.
  2. Amelia Brust, “Teacher Retirement System changes keeping agency afloat, but at a cost to younger retirees”, Community Impact Newspaper, Updated 26 Sept. 2017, see full article here, Accessed 3 Oct. 2017.

Aetna is pulling out of Texas

Aetna is one of the few individual health insurance companies in Texas selling individual health insurance plans/ family health insurance plans for 2017. Aetna is also one of the even fewer companies offering an EPO provider network. An EPO provider network does not require referrals for specialist like other health insurance carrier’s HMO provider networks do. For 2018 Aetna has just announced that they will be pulling out of Texas as well as many other states.

If you currently have an Aetna health insurance policy then your current coverage will not be impacted until December 31, 2017. You will be unable to renew your policy for 2018. You will need to select another health insurance plan during the annual open enrollment period.

The open enrollment period for 2018 will begin November 1, 2017. Aetna is notifying their members that they will qualify for a special enrollment period due to “loss of coverage” which will allow them until December 31, 2017 to select another individual health insurance carrier. We at Texas Medical Plans do not recommend waiting until then to secure new health insurance coverage for 2018.

Our recommendation is that Aetna members contact their health insurance agent no later than December 15,2017 to ensure they have new coverage effective January 1, 2018. If you are an Aetna member without a trusted health insurance agent please contact our office, Texas Medical Plans, for assistance at (512)847-3164.

Aetna has also recently been in the news for their data breach that has impacted 522 Texas residents. Please read more here.


CMS issues final rule to increase choices and encourage stability in health insurance market for 2018

The Centers for Medicare & Medicaid Services (CMS) reports the follow (visit the CMS website for the full report):

Today, CMS, issued the final Market Stabilization rule, to help lower premiums and stabilize individual and small group markets and increase choices for Americans. Individuals obtaining coverage in the Marketplace created by the Affordable Care Act have faced double-digit premium increases, fewer plans to choose from, and a market that continues to be threatened by insurance issuer exits.* The CMS rule is designed to provide some relief for patients and issuers now.

“CMS is committed to ensuring access to high quality affordable healthcare for all Americans and these actions are necessary to increase patient choices and to lower premiums,” said CMS Administrator Seema Verma. “While these steps will help stabilize the individual and small group markets, they are not a long-term cure for the problems that the Affordable Care Act has created in our healthcare system.”

The final rule makes several policy changes to improve the market and promote stability, including:

  • 2018 Annual Open Enrollment Period: The final rule adjusts the annual open enrollment period for 2018 to more closely align with Medicare and the private market. The next open enrollment period will start on November 1, 2017, and run through December 15, 2017, encouraging individuals to enroll in coverage prior to the beginning of the year.
  • Reduce Fraud, Waste, and Abuse: The final rule promotes program integrity by requiring individuals to submit supporting documentation for special enrollment periods and ensures that only those who are eligible are able to enroll. It will encourage individuals to stay enrolled in coverage all year, reducing gaps in coverage and resulting in fewer individual mandate penalties and help to lower premiums.
  • Promote Continuous Coverage: The final rule promotes personal responsibility by allowing issuers to require individuals to pay back past due premiums before enrolling into a plan with the same issuer the following year. This is intended to address gaming and encourage individuals to maintain continuous coverage throughout the year, which will have a positive impact on the risk pool.
  • Ensure More Choices for Consumers: For the 2018 plan year and beyond, the final rule allows issuers additional actuarial value flexibility to develop more choices with lower premium options for consumers, and to continue offering existing plans.
  • Empower States & Reduce Duplication: The final rule reduces waste of taxpayer dollars by eliminating duplicative review of network adequacy by the federal government. The rule returns oversight of network adequacy to states that are best positioned to evaluate network adequacy.

CMS also made a number of other announcements today regarding the process that issuers must follow to meet the law’s requirements for the 2018 plan year. The additional guidance released includes updates that would make the guidance consistent with today’s final rule and information needed by issuers in order to have their plans certified for 2018, including: Key Dates for 2017; Issuer Guidance on Uniform Rate Review Timeline; Good Faith Compliance Guidance; QHP Certification Guidance for States; and Final Actuarial Value (AV) Calculator for 2018 and Methodology.

The final rule can be found, here:


Immediate steps to take after you have enrolled in health insurance

You are enrolled in health insurance, so what is next? If you have chosen an individual health insurance plan or a group health insurance plan and completed your health insurance application these are important steps to take:

  1. Make you’re your health insurance first month’s premium payment. Typically, your first month’s premium payment is collected at the time you complete your health insurance application, however some insurance carriers will allow you to make the initial premium payment after you submit your application. Contact your insurance carrier to pay your first month’s premium immediately. Your individual health insurance policy WILL NOT go into effect until the initial payment is received and processed. Confirm that your bank records show that your health insurance premium payments have been received by your health insurance carrier.
    1. Initial premium payments MUST BE received before the effective date for your policy to be issued. Health insurance carriers will not send insurance cards until they have received the first premium payment. Keep in mind that during the annual open enrollment period processing times are longer. This means it takes longer to process your payment and longer for you to receive your insurance cards.
    2. Your monthly health insurance premium payments must be received and processed prior to the month that you want coverage. This means that if you go to see your in-network doctor on April 1st, then your premium for April must be submitted and processed by your health insurance carrier no later than March 31st. If you do not make payments on time you take the risk of not being able to verify your insurance when you need to use it and potentially take the risk that your insurance policy will be terminated for non-payment.
  2. Terminate other insurance. Just because you received a letter that your plan is going away or premiums are going up does not mean that your other insurance will automatically cancel and that they won’t draft your account.
    1. If you are on automatic payments call the insurance carrier or login to your online member portal and cancel those immediately. Usually this request must be received several days before the draft date in order to cancel the automatic payments.
    2. Cancel your old policy with your previous health insurance carrier for the day prior to your new health insurance effective date. For example: if your new health insurance policy with Blue Cross Blue Shield of Texas starts January 1st then you need to cancel your old Blue Cross Blue Shield of Texas health insurance policy and make sure they have stopped any automatic payments.
    3. Some carriers will automatically renew your policy into something similar, so it is important to make sure that they are not “mapping” you into another plan. You may need to request that they cancel the policy they are “mapping” you into as well.
    4. If your health insurance is through, also known as the Marketplace or the Exchange then depending on your application selections you may be automatically rolled into another plan each year. This plan may or may not meet your medical needs, so we advise that you actively reviewing your health insurance every year. Your application answers may also affect tax credits received. It is important that you are updating your application each year to ensure it is correct and current.
  3. Create an online account. Most insurance carriers have a member website or member phone app where you can create an account. Member online accounts allow you to access you and your family’s health insurance information. This information can be temporary ID cards, provider networks, online payment options, and claims information. Providers like Blue Cross Blue Shield have even added a “call a doctor” benefit through MD LIVE that you can access online. It may seem like a pain to add another account to your array of accounts, but these online health insurance tools are truly beneficial. You have almost everything regarding your health insurance at your fingertips. This allows you to avoid long hold times to contact the insurance carrier.
  4. Not truly happy with your health insurance? You have until January 31st to make changes to your health insurance. Be certain you know how your insurance works, your benefits and your coverage area. If your insurance does not meet your needs, we can help you explore alternatives. Call us at (512)847-3164.

Know how to use your insurance

You have enrolled in a health insurance plan, now what? Health insurance can be confusing and overwhelming, so here are a few tips to help you use your health insurance correctly.

  1. KNOW YOUR NETWORK! Check doctors, hospitals, and urgent care in-network. Be proactive about your medical needs and check for the doctor’s and facilities that are close to you that are in your health insurance network. Each insurance carrier has an online tool where you can search providers by name, specialty, location. This is useful to have so that you know exactly where you can go in the event of an emergency.
    1. Each carrier has a multiple “networks”, so know what network you are in i.e. Blue Cross Blue Shield Blue Advantage HMO, Aetna Rosebud EPO or HMO, Memorial Hermann HMO or PPO, United Healthcare Choice, PHCS, Humana HMOx San Antonio/Houston, etc.
    2. When confirming your network with your provider ensure that you are using the specific network to confirm. Sometimes it may be best to speak to a providers billing or managed care representative (the person that handles their insurance contracts) to ensure you are receiving the correct information.
  2. Get established with a primary doctor. If you are having to switch doctors or have not established a relationship with a primary doctor in your network get an appointment now.
    1. Some doctor’s will only see new patients on certain days, so it can take a while to get an appointment. You want to be certain that you your doctor is the right fit for you.
    2. If you have enrolled in an HMO we recommend that you find out what your primary doctor’s referral process is like if you need to be referred to a specialist.
    1. Make sure that you review your health insurance carrier’s prescription drug formulary for any medications you take. This will give you an idea of what your costs will be.
    2. Make sure that you are also going to pharmacy’s that are in your health insurance carriers network.
  4. Not truly happy with your health insurance? You have until January 31st to make changes to your health insurance. Be certain you know how your insurance works, your benefits and your coverage area. If your insurance does not meet your needs, we can help you explore alternatives. Call us at (512) 847-3164.

Medicare Announces 2017 Premiums and Deductibles

The Centers for Medicare and Medicaid Services announced Thursday, new premiums and out of pocket costs for 2017. This information comes after some beneficiaries have already made plan choices for 2017 based upon 2016 figures for out of pocket costs and premiums. Medicare is notorious for announcing changes late in the game, well after the year’s OEP/AEP (Open Enrollment Period/ Annual Election Period) have already begun.

The annual Medicare Part B deductible for all Medicare beneficiaries for 2017 will increase to $183, up from $166 in 2016. This is the deductible that anyone with a Standard Medicare Supplement Plan G is responsible for before their supplement plan’s benefits are triggered. For those who have Medicare Supplement Plan F, the plan will continue to cover the Part B deductible in full for the member.

The Part B premium rates will increase for about 30 percent of beneficiaries. The new monthly Medicare Part B premium for 2017 will be $134, up from $121.80 in 2016; an increase of 10 percent. Most beneficiaries will be protected from the hold harmless provision which locks in their Part B rate. Those protected are beneficiaries are those already receiving Social Security, and dual eligible participants having their premiums paid by Medicaid. Seniors that are newly eligible for Medicare in 2017 and those that are not receiving Social Security and being billed directly for Medicare will have to pay the higher premium.

In addition to increased Part B premiums and Part B annual deductible, Medicare has also increased other out of pocket costs such as the Part A deductible and per day costs for skilled nursing and Part A coinsurance. People with Medicare Supplement plans typically have benefits to cover these costs. The agents at Texas Medical Plans can review your Medicare Supplement policy benefits to see if you are effected by some or all of these changes. A Licensed agent can help you make an informed decision about you supplement policy and review it regularly to help you stay ahead of Medicare changes for years to come.

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