Texas: The Lone Star State
Sun City, Texas Medicare Plans
Let us assist with the basics. Texas Medicare plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.
The Benefit Link is located in the Dallas / Fort Worth area, so we can provide you great information on Medicare supplement plans for residents in Sun City, Texas.
All Texas Medicare supplement plans cover the other 20% of your outpatient expenses. Some Medicare supplement plans also cover the hospital deductible.
People who choose Medicare Supplement Plan F have no out of pocket spending beyond their monthly premium. For this reason, we call it first dollar coverage. While Plan F has been popular for a long time, Plan F is priced competitively.
Many Plan G policies may have lower rate increases from year to year than Plan F policies. It’s worth checking out so that you can consider which Texas Medigap plan best fits your needs and budget.
The best time to buy a Medicare supplement is during the 6 months after you enroll in Part B. This open enrollment window allows you to purchase any Texas Medigap policy without health underwriting. After this window expires, you may have to answer health questions when you apply
Texas Medicare Supplement Plan Features
Another feature is that there are no referrals required. These plans have no networks, so you are not required to see a primary care physician first to get a referral to see a specialist. You can book your own appointments with doctors hassle-free.
All Medicare supplement plans in Texas are also guaranteed renewable. Your coverage can never be cancelled based on a health condition that you develop. As long as you are paying your monthly premiums on time, your Medicare supplement will remain in place and be there for you when you need it.
Leaving Employer Coverage for Texas Medigap Plans
In Texas, to qualify for guaranteed issue, you must provide proof that you involuntarily lost your other health insurance coverage.
If you can provide this proof, the law allows you the right to purchase certain Medicare supplement plans within 63 days of the end of your prior coverage. The insurance company cannot place any restrictions on pre-existing conditions if you apply during this window.
So if you continue to actively work past age 65, and you remain enrolled in your employer’s group health insurance plan. Later when you retire and leave that plan, the loss of that coverage will create a special enrollment window of 63 days. During this time, you can purchase a Medigap policy without fear of being turned down for health reasons.
You may find that leaving the employer coverage for Medicare is actually cheaper for you. For this reason, you should carefully review your coverage options when you first enroll in Medicare Part B.
Compare costs for your employer insurance against the cost of Medicare and a Medigap plan. Consider all factors – cost, health status, etc – before making your choice.
Medicare Savings Programs in Texas
It’s easy to apply for a Medicare Savings Program by contacting the state Medicaid office or visit www.yourtexasbenefits.com. This helpful website will help you learn about the benefit programs offered and to find out if you should apply for benefits. You can also find a benefits office near you where you can speak with a representative. People already enrolled in a savings program can also use this site to renew benefits.
Get Help with Texas Medicare Supplements
Finally, we provide a comparison report for Medicare Supplements Texas so that you can see each company’s rates, financial ratings and even their history of Medigap rate increases. Decisions are easy when you have the right data.
Use your retirement income wisely, find out if you qualify for Medicare discounts!