Medicare Supplement

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  • Medicare Supplement (Medigap) insurance helps pay the ‘gap’ between what Medicare Parts A & B pay and what you could be asked to pay out of pocket.
  • Know your benefits- Medicare Supplements plans are standardized; that means price and customer service are the only difference between carriers.
  • Plans are guaranteed renewable- your benefits won’t change and you can’t be dropped from coverage as long as premiums are paid regardless of how your health has changed.
  • Coverage for prescriptions- Medicare Supplement policies DO NOT cover prescription costs. You may want to consider purchasing a separate drug plan to help with your drug costs.
  • 30 day FREE Look- within 30 days of receiving your policy if it is not exactly what you want, you can return it for a full refund, no questions asked.
  • Your pre-existing conditions are covered. If you are approved for coverage, your policy will cover any pre-existing conditions that you have.
  • No restrictive enrollment or disenrollment periods- you can change or replace your coverage at anytime during the year.
  • Standardized benefits- plans are standardized by the US Government, so you know you are getting exactly the same benefits when making the same plan selection, no matter what company you go with.

Texas Medical Benefits Chart

 

* Plans F and G also have a high-deductible option which requires first paying a plan deductible of $2,340 in 2020 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High-deductible Plan G does not cover the Medicare Part B deductible. However, high-deductible Plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible. These expenses include the Medicare deductibles for Part A and Part B, but do not include the Plan’s separate foreign travel emergency deductible.

** Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.

*** Plan N pays 100% of the Part B coinsurance except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.

  • Plans D and G effective on or after June 1, 2010, have different benefits than D or G Plans bought before June 1, 2010.
  • Plans E, H, I, J will no longer be available to buy.  If you already have or you buy Plan E, H, I or J before June 1, 2010, you can keep that plan.  Contact your plan for more information.

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