In Texas senior health insurance concentrates on Medicare for those individuals 65 and older or individuals under 65 who qualify for Medicare due to a disability. Medicare is divided into four components: Part A for hospital, Part B for physician services, lab, x-rays, durable medical equipment and dialysis, Part C for Medicare Advantage plans and Part D for prescription drugs. Medicare Supplement policies were introduced in 1971 to pay the estimated 30% of health care charges not paid by Medicare. By 1981, the National Association of Insurance Commissioners standardized Medicare Supplement policy benefits. Medicare Supplement Plans A through J were created with varying levels of benefits, which could not be altered. A prescription drug benefit was added with the creation of Part D in December 2003.
Medigap policies are typically written under guaranteed issue, which is six months from receiving your Medicare Part A and Part B enrollment. You can also qualify for Medicare and a supplement if you become Medicare Part A and B eligible regardless of age due to a disability or leave an employer sponsored plan or lose Medicaid eligibility, or if you are enrolled in a Medicare Advantage plan and the carrier withdraws from the territory, typically expressed by county.
All Medicare Supplement plans include standardized, mandated benefits. One carrier's Plan F has the same benefits as a second carrier's Plan F.
Plan F generates the most interest because it will pay both the Part A deductible and the Part B deductible but it will pay the excess charge.
Premiums for Part A have been deducted from your paycheck and will not require additional premium once you enroll in Medicare. Part B will result in a premium charge and the amount you pay is means tested based on income. Part D requires additional premium to be paid by the policyholder.
Many carriers offer Medicare Supplement policies but the active carriers in the Texas market include Blue Cross Blue Shield, United of Omaha, Aetna, Gerber, and AARP.
Premiums can vary greatly, especially in the pre-65 Medicare Supplement market. Premium for Medigap Pre-65 Plan A can vary from $200 per month to $904 per month for the exact same coverage.
Stateside quotes eight different carriers for Medicare Supplement policies for applicants that are 65 or older. Eight carriers are quoted so the Texas consumer can rely on one source for the dominant carriers in the market.
If you delay enrollment in Part D you will charged 1% penalty for each month you elect not to enroll.
If you have any questions about benefits, premiums, or plan options,
call us. We are here to help you get the best coverage at the most
competitive rate with the least amount of hassle - all free of charge to
you. Let us walk you through the various plan options in Texas.
You can contact Stateside Insurance Services in whichever way is most convenient for you:
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You can get the enrollment process started using any of the following:
Click on the Instant Quote link and provide census information. Stateside will respond with a proposal that outlines your various plan options with premium cost.
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Email Stateside at email@example.com with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.
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