At Medicare Specialist of Texas, we help thousands of Texas seniors save hundreds of dollars per year on their Medicare Supplement insurance premiums, with NO CHANGE OF BENEFITS. In fact, some of our clients have even saved $1000 or more. How do we do it? Unlike most other types of
Medicare Supplement (Medigap)
Medicare Supplements – Freedom to Choose Your Providers
One of the best features of a Medicare Supplement plan is the freedom to choose the doctors and hospitals with which you feel the most comfortable. In addition, no referrals are required to see a specialist and you have the choice to get a second opinion if needed. Other Plans
Medicare Supplements Are Guaranteed Renewable
Medicare Supplement plans are Guaranteed Renewable for life. As long as you pay your premiums, you can keep your policy as long as you want. Medicare Supplement plans must continue to offer the same coverage to you throughout the life of the plan. Other plans may change coverage amounts, add
Your Current Medicare Supplement Plan May Be Costing You Big Money
Every few years, anyone with a Medicare Supplement insurance plan should review their policy to see if they could lower their premium while maintaining the same benefits that they currently have. In fact, it’s often easier than you think to save money AND get the same coverage as your existing
Help understanding Medicare benefits and options
If you need help understanding your Medicare rights and how to exercise them, there is free information and assistance that you can access. Below are examples of places you can get help: State Health Insurance Assistance Program (SHIP) – Each state offers a SHIP, partly funded by the federal government,
Lifetime reserve days
Original Medicare covers up to 90 days of inpatient hospital care each benefit period. You also have an additional 60 days of coverage, called lifetime reserve days. These 60 days can be used only once, and you will pay a coinsurance for each one ($670 per day in 2018). To
Items and services excluded from Medicare coverage
Medicare does not cover all health care services. Services excluded from Medicare coverage include but are not limited to: Alternative medicine, including experimental procedures and treatments, acupuncture, and chiropractic services, except when manipulation of the spine is medically necessary to fix a subluxation of the spine (when one or more
Filling gaps in Medicare coverage and getting help with Medicare costs
There are a number of ways to fill gaps in your Medicare coverage and/or to get assistance with Medicare costs: Job-based insurance: If you or your spouse is still working, and you have insurance through that job, it may work with Medicare to cover your health care costs. You should
Medigap vs. Medicare Advantage
Know the difference before you choose Original Medicare is the familiar program that’s been around since 1965. In original Medicare, the government pays Medicare’s share of your medical bills directly to doctors and hospitals. You can go to any doctor or hospital anywhere in the country that accepts Medicare reimbursement.
How Much Life Insurance Do You Really Need?
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