Who we are

Passionate About Providing Peace of Mind

The Benefit Link specializes in helping seniors obtain the best coverage possible regarding Medicare Supplemental insurance (Medigap), Medicare Prescription Drug plans, Life Insurance as well as cancer, dental and vision plans. We are licensed insurance agents with more than 27 yrs of experience. We provide insurance services to our senior clients in all 50 States of the USA and have access to all major insurance carriers.

RETIREES

In addition to the general senior market, we also have helped many retirees who have lost their employee retirement benefits We have worked with retirees from major companies including, Entergy, Vought Aircraft Industries, ATT, Synergy, General Motors, State Public Employees Retirement, and others.

Many retirees are left with unanswered questions and general unrest about being dropped from the retirement coverage that took many years of hard work to earn. We break down how everything works in a way that is easy to understand, and help you make the most out of Medicare and your retirement benefits.

We help retirees who are losing their retirement plan and now forced into new Medicare coverage. This new uncharted territory can be confusing and overwhelming for many people. We will help you find the best coverage for you needs and provide you with peace of mind.

Health Reimbursement Account: HRA –

Many retirees have a Health Reimbursement Account (HRA) that can be used to pay for their Medicare expenses, and we can assist you in using this account to pay for unwanted costs. In most cases, you have the freedom to seek coverage outside of the private exchanges that your employer sets up while maintaining your full reimbursement account for the year

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Zip Code
What area can we help with?
- Understanding Medicare basics
- Medicare Supplement Insurance Plans
- Whole Life Insurance Plans
- Choosing the Right Insurance Provider
- Insurance Providers Available in Your State
Are you an existing client of The Benefit Link?
- Yes
- No
What can we help with?
what can we help you with?
- I am an Entergy Retiree

Speak with a Licensed Insurance Agent: 855-717-(0257)

info@thebenefitlink.com

6209 Colleyville Blvd.
Colleyville, TX 76034

27 Years of Experience

The Benefit Link specializes in helping seniors obtain the best coverage possible regarding Medicare Supplemental insurance (Medigap) , Medicare Prescription Drug plans, Life Insurance as well as cancer, dental and vision plans. We are licensed insurance agents with more than 27 yrs of experince. We provide insurance services to our senior clients in all 50 States of the USA and have access to all major Insurance carriers.

Our Motto

We are committed to seniors and our commitment to serve is our honor!

Our Passion

We are passionate about helping seniors with Medicare and to help them obtain Medicare Supplement Insurance (Medigap). We advocate on behalf of our clients to help find the best suited plan for their circumstances. Because we are independent representatives and are not captive employees of any particular carrier , we can analyze and compare plans along with providing access to many different carriers.

Every Carrier

As representatives to virtually every major insurance carrier, we are able to provide access to their plans.

Best Rates

Our group continually monitors the overall senior market insurance industry by tracking premiums, rate increase history, and trends. In short, we know our business better than anyone.

WE SERVE YOU

It is our passion to provide peace of mind and ensure that you receive the best possible rates.

We Serve You

It’s our passion to provide peace of mind and ensure that you receive the best possible rates.

Years of Experience

Insurance Carriers

Percent Committed

Why Choose Us

We know our business better than anyone.

Our Experience

The Benefit Link provides you more than 27 years of experience specifically working with seniors.

We Provide Guidance

We provide guidance to seniors who need to acquire Medicare Supplement Insurance (Medigap) healthcare coverage, and other related insurance such as Dental, Vision, and Whole Life.

Medicare Supplement plans are standardized by the federal government. The difference is cost, stability, and service and that is where we come in. The Benefit link provides the crucial – objective- guidance seniors need to make an educated decision without being influenced. The Benefit link essentially takes the place of your benefits coordinator by providing ongoing support for our clients. There is no charge to clients for our services and we are available on a direct basis every day.

The heart of what we do at the Benefit Link, is to serve with a level of excellence that has been lost in recent generations. We develop personal, one on one relationships, as well as provide our clients trusted guidance for all of their Medicare needs.

Leaders in the Industry

We are proud to work independently, and we have access to virtually every major insurance company and their plans. We are dedicated to knowing everything we can by tracking premiums, rate increase history, and trends across all companies so you are able to make an educated decision about your healthcare. We take pride in the hundreds of testimonies throughout the United States of the service we provide.

No Charge to Clients

There is no charge to clients for our services and we are available on a direct basis every day. The Benefit Link provides the crucial objective—guidance seniors need in order to make an educated decision.

Continuous Support

It is our passion to provide peace of mind and ensure that you are well informed of your options and receive the best possible rates.

Healthcare isn’t one-size-fits-all. We can help you find the best plan that fits your Medical needs

Find Coverage

The Perfect Coverage For You

Providing guidance to seniors who need to acquire Medicare Supplement Insurance (Medigap) healthcare coverage, as well as other related plans such as Dental, Vision and Whole Life.

Medicare Basic Plans

Original Medicare will help cover medical expenses but does not pay all costs. Many people on original Medicare also buy a Medicare Supplement (Medigap) plan to help with Medicare Approved Amounts. For instance, Medicare only pays for 80% of the Medicare Approved Amount for most doctor services, outpatient therapy and durable medical equipment, while you typically pay 20%. A Medicare Supplement Insurance (Medigap) policy, can help pay your portion of such remaining health care costs, like such co-payments, co-insurance, and deductibles.

It can be difficult to understand your options, or know if you currently have proper coverage, but we can help! Even if you have a current plan, we can help you determine if that plan is right for your circumstances.

Compare Plans & Prices

Our group continually monitors the overall senior market insurance industry, by tracking premiums, rate increase history and trends.

Medicare Supplement Plans

Your first step should be to learn some basic facts about Medicare and Medicare supplement (Medigap) policies..

Medicare Resources

Download our helpful guides now to learn more.

Enhanced protection

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Comprehensive

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Explosion/Implosion

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Outpatient care

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What Our Clients Say

At The Benefit Link, we treat you like a member of our own family. But
don’t take our word for it, below are just a few of the reviews our
satisfied clients have given us.

Don’t Overpay For Medicare coverage

There is no charge to clients for our services. We would be honored to help walk you through this process!

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Any Questions?
Feel free to make a call

855-717-0257
or send an email >>

Medicare Supplement Plan A

Medicare Supplement Plan A is also referred to as Medigap Plan A. This plan is sometimes overlooked because it has fewer benefits than other Medigap insurance plans.

What does Medicare Plan A cover though? It still covers the most important benefit, which is the 20% of outpatient medical care that Medicare doesn’t cover.

Make no mistake. Medicare Plan A pays this, so it is still a very good plan.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	❌
Medicare Part A deductible	❌
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	❌

Medicare Supplement Plan B

Medicare Supplement Plan B, also called Medigap Plan B, offers the same benefits as Plan A. In addition, it will also pay your Part A hospital deductible for you. This is a significant benefit as the deductible in 2017 is $1,316, and tends to go up slightly each year. Having Medigap Plan B means that you will never have to worry about that deductible going up.

Your hospital deductible is a per-incident deductible, not an annual one, so this is an important benefit. Medicare Plan B will pay the deductible even if you incur it more than once in the same year.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	❌
Medicare Part A deductible	✔
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	❌

Medicare Supplement Plan C

Medicare Supplement Plan C is a policy which covers nearly all of the Medicare gaps that you would usually be required to pay. The only exception is the Part B excess charges.

Excess charges are surcharges that your doctor can charge above and beyond what Medicare will reimburse. They are limited to 15% beyond what Medicare pays. Many doctors do not charge excess charges, but occasionally they do. If this concerns you, the Medigap Plan F or G might be a better choice for you than Medicare Plan C. Those two plans cover excess charges, so you won’t have to worry about asking.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	✔
Medicare Part B deductible	✔
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	✔

Medicare Supplement Plan D

Medicare Supplement Plan D is one of the ten Medigap options you can purchase to supplement your Original Medicare benefits. (It is not to be confused with PART D, which is for prescription drugs. You can read about Part D drug policies here.)

A Medigap Plan D policy covers most of the gaps in Medicare for you, with the exception of the Part B deductible and also any excess charges. An excess charge is an additional amount you will pay if a provider charges more than the Medicare allowed amount. You will pay out of pocket for these two minor items if you purchase a Medicare Plan D. However, the policy does cover all of the most important things, like the 20% of outpatient services that you would otherwise owe.

It’s important to compare pricing between Medigap Plan D and Plans F or G, which have richer benefits. This will help you determine if the savings is worth the additional financial exposure to you. Some people would rather pay more for their supplement if they know that all the gaps will be covered. Others don’t mind a little cost-sharing to get lower premiums.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	✔
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	✔

Medicare Supplement Plan F

Medicare Supplement Plan F has also been the #1 seller with The Benefit Link for many years. According to a report from America’s Health Insurance professionals, about 57% of all Medigap policies in force were a premium Medicare Plan F policy. (In recent years, Plan G has been the second most popular Medicare supplement plan, and you can read more on that below.)

A Medigap plan, or Medicare Supplement, pays after Medicare to help cover your deductibles, copays, and coinsurance that you would otherwise be responsible for. Medigap plans do not replace your Medicare Part B. You must be enrolled in both Part A and Part B first, then you are eligible to enroll in Medicare supplement Plan F.

When you add a Medicare Supplement Plan F or G to your Original Medicare benefits, your coverage will be quite comprehensive. By definition, Medigap Plan F is the Medicare supplement with the most benefits.

Medicare – Plan F

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	✔
Medicare Part B deductible	✔
Medicare Part B excess charges	✔
Foreign Travel Emergency (up to plan limits)	✔

Medicare Supplement Plan G

Did you know that Medicare Supplement Plan G is the second most popular Medicare supplement (next to Plan F) with our Baby Boomer clients? Today we’re going to tell you why. Everyone has heard of Plan F, but what is Medicare Supplement Plan G? What does Plan G cover?

Medicare Plan G coverage is very similar to Plan F. It offers great value for beneficiaries who are willing to pay a small annual deductible. After that, Plan G provides full coverage for all of the gaps in Medicare. It pays for your hospital deductible, copays and coinsurance. It also covers the 20% that Part B does’t cover.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	✔
Medicare Part B deductible	❌
Medicare Part B excess charges	✔
Foreign Travel Emergency (up to plan limits)	✔

Medicare Supplement Plan K

Medicare Supplement Plan K offers you the same basic benefits as other supplements, but with lower premiums. For example, this plan will still cover preventive care services and give you an extra year in the hospital. However, you split the cost-sharing with the insurance carrier on certain items like the Part A deductible. You also agree to pay the Part B deductible and any excess charges.

Medicare Plan K also includes a cap on your spending called an out-of-pocket maximum. For instance, let’s say you have a year with a lot of medical treatments. If your out-of-pocket spending reaches the maximum limit, then your Medigap K policy will kick in to pay all of the rest for that year.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	50%
Blood (first three pints)	50%
Hospice Care coinsurance or copayment	50%
Skilled Nursing Facility Care coinsurance	50%
Medicare Part A deductible	50%
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	❌

Medicare Supplement Plan L

Medicare Supplement Plan L policy also includes a cap on your expenses. This is referred to as your out-of-pocket limit or maximum. Medicare sets this limit annually, and in 2018, the limit for Plan L is $2,620. This means that if in any one calendar year your spending reaches $2,480 in Medicare-approved covered expenses, then the Medigap insurance carrier pays the rest. The cap makes it much easier to agree to share in 25% of the costs on the items listed because you know that even if a year of bad health occurs, you won’t have more exposure than the maximum cap figure.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	75%
Blood (first three pints)	75%
Hospice Care coinsurance or copayment	75%
Skilled Nursing Facility Care coinsurance	75%
Medicare Part A deductible	75%
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	❌

Medicare Supplement Plan M

Medicare Supplement Plan M is one of the new supplements created by the Medicare Modernization Act. It first hit the Medicare insurance market in the summer of 2010. (Sometimes we hear people call it Medicare Part M or Medigap Part M, but the correct term is Plan M.)

Medicare Plan M provides the same basic benefits as other supplements. However, it has a slightly reduced monthly premium in exchange for your willingness to pay half of your hospital deductible and all of your annual outpatient deductible. By sharing in these deductibles as well as excess charges, you get the benefit of reduced premiums.

Plan M could be a good fit for someone who doesn’t expect to visit the hospital often and feels he can afford the occasional cost-sharing. However, it’s important to have a licensed agent who specializes in Medicare supplements to help you. He or she will evaluate the differences in premiums and make sure that the savings are worth the risk of some expenses.

Medicare Part A coinsurance and coverage for hospital benefits	✔
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	50%
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	✔

Medicare Supplement Plan N

Medicare Supplement Plan N has been popular since it was first introduced in 2010. Also called Medigap Plan N, this option was created for consumers who like the idea of paying a lower premium in exchange for taking on a small annual deductible and some copays.

All Medicare supplement Plan N policies are the same, no matter which insurance company you choose. You can find Plan N available in many states from various well-know insurance companies.

In 2015, AHIP reported that Plan N enrollment grew by 33% between 2013 – 2014.

(You will find that sometimes people refer to Plan N as Part N, but the proper term is Plan N. Medicare itself has Parts, but when you are referring to supplemental insurance, use the word Plans.)

Medicare Part A coinsurance and coverage for hospital benefits	$20 copay for office visits; $50 copay for ER
Medicare Part B coinsurance or copayment	✔
Blood (first three pints)	✔
Hospice Care coinsurance or copayment	✔
Skilled Nursing Facility Care coinsurance	✔
Medicare Part A deductible	✔
Medicare Part B deductible	❌
Medicare Part B excess charges	❌
Foreign Travel Emergency (up to plan limits)	✔

Welcome

Who we are

RETIREES

Health Reimbursement Account: HRA –

27 Years of Experience

Our Motto

Our Passion

Every Carrier

Best Rates

We Serve You

Years of Experience

Insurance Carriers

Percent Committed

Why Choose Us

Our Experience

We Provide Guidance

Leaders in the Industry

No Charge to Clients

Continuous Support

Healthcare isn’t one-size-fits-all. We can help you find the best plan that fits your Medical needs

The Perfect Coverage For You

Medicare Basic Plans

Compare Plans & Prices

Medicare Supplement Plans

Medicare Resources

Enhanced protection

Comprehensive

Explosion/Implosion

Outpatient care

What Our Clients Say

Don’t Overpay For Medicare coverage

Any Questions? Feel free to make a call

Medicare Supplement Plan A

Medicare Supplement Plan B

Medicare Supplement Plan C

Medicare Supplement Plan D

Medicare Supplement Plan F

Medicare – Plan F

Medicare Supplement Plan G

Medicare Supplement Plan K

Medicare Supplement Plan L

Medicare Supplement Plan M

Medicare Supplement Plan N

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Any Questions?
Feel free to make a call