All You Need To Know About the Texas Medicare Supplemental Insurance

Medicare supplemental insurance, Medigap, caters to the health care needs of senior citizens aged sixty-five years and above. Supplemental insurance plans fill in the gaps left by the basic Medicare health care Plan A and Plan B. The federal Texas laws are very lenient. They cater to the growing needs of the senior citizens in many ways, including those unable to afford additional Medicare supplemental insurance coverage.
What Are The Services That Basic Medicare Covers?
Basic Medicare is offered in Part A, Part B, and through the Medicare Advantage Plan.   It is important to know what is covered with each plan versus what costs you are required to pay out of pocket.
Medicare Part A coverage includes:
  • Hospital care
  • Skilled nursing facility care
  • Hospice
  • Home health care
  • Nursing home care
Medicare Part B coverage includes:
  • Second opinions before surgery
  • Ambulance services
  • Clinical research
  • Limited outpatient prescription drugs
  • Clinical research
  • Mental health: inpatient, outpatient, & partial hospitalization
Medicare Supplemental Insurance Plans can include:
  • Prescription drug coverage (Medicare Plan D)
  • A percentage of plan deductibles, coinsurance, and deductibles
Plans may not include:
  • Private-duty nursing care
  • Custodial care including an individual aide to assist in walking, shopping, bedtime, dressing, and feeding.  Homemaker services
  • Dental care services
  • Cosmetic surgery
  • Foot care
  • Eye and ear health services
  • Health care as you travel out of the country
  • Skilled nursing home services of a hundred days plus following a hospital discharge
Many of these services are required by seniors thus creating a deficiency between what is needed and the services that are excluded when only enrolled in Medicare Plan A and Medicare Plan B.  To meet this need additional insurance called Medigap, or Medicare supplemental insurance plans, may be purchased to cater to these additional needs.

Supplemental insurance plans that are purchased in conjunction with Medicare Part A and Part B are set up so that participants have the option to renew them annually.  It is important that participants realize that dropping their supplemental coverage through Medicare is detrimental to their health insurance coverage.  In order to enroll after coverage is dropped comes with strict requirements.
For a person to be eligible for the Texas Medicare supplemental insurance plan they are required to be: at least sixty-five years of age, a Texas resident, and currently be enrolled in Medicare Part A and
Medicare Part B.

There are ten basic available supplemental insurance plans.  Each plan, A through N, offers a variation of benefits.  To determine what plan best fits your health care and budget needs it is important that you meet with a Medicare supplemental insurance plan broker to discuss the plans that are available that meet your health care insurance needs as well as your current budget.  Do not choose a plan before you are sure that you have analyzed what each and every plan has to offer.

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!


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