No matter where you live in Texas, no matter how many doctor visits you have gone through or how many prescriptions you have filled, you still need Medicare supplement coverage to fill the gaps in your original Medicare coverage. Medicare Supplement Plans in Texas browse around this site can be easily obtained without any clinical underwriting during the open enrollment time period. All you have to do is request a plan from the Medicare Part D Web site or Medicare Advantage Plan Web site. If you don’t already have Medicare Part D, then you will need to register for Medicare before you can apply. If you already have Medicare Advantage, then you only need to enroll in Medicare if you want to participate in the insurance program.
Medicare Supplement Plans in Texas falls into five basic areas: PPO, POS, SMART, and POS Plus. Each plan has a different benefits package. For example, the most expensive supplement plan in Texas is the PPO. Its benefit packages include a primary care physician office, in-network diagnostic services, nursing home care, emergency room visits, in-network pharmacies and some vision and dental benefits as well. Most people in Texas do not have health problems that would qualify them for the PPO plan, so this is primarily an out-of-state plan.
The next plan is the POS plan. It is also the most popular in Texas. Its benefits package includes extended care facilities, doctor visits, prescription drug coverage, health assistance for nursing home and assisted living, hospitalization, pharmacy discounts, health insurance, and some vision and dental benefits. Most people in Texas do not have any extra medical needs that would make them eligible for the SMART plan. The third plan is the POS plus plan. This plan is offered primarily in out of network hospitals and nursing homes.
Texas Medicare Supplement plans can be purchased directly from companies that sell Medicare supplement policies or from suppliers of the policies. Many insurance companies also offer direct access to several Medicare supplement policy choices on their websites. Some companies provide a brochure with information on the various plans and a link to an online application form. Many states require agents to be licensed, but agents of large companies can simply buy the policies from a supplier instead of running their own brokerage firm.
Some companies also allow their customers to enroll in Medicare supplement plans through “linkages” with local Texas Medicare organizations. One such company is Alliance Health and Life Insurance Company. Other insurers allow customers to apply directly to them for plans without having to join the organization. In order to find these companies, one must visit a search engine and type “Medicare supplement plans Texas” or “Medigap plans Texas.” Some insurers also have brochures available to give to potential policyholders.
Many Texas Medicare Supplement plans are offered directly by various Texas health insurance providers, including Aetna, Blue Cross/ Blue Shield, Humana, Delta, Assurant, Caremark, and many others. Many Texas Medicare Supplement plans are also sold by independent insurance brokers. One of these companies is Portola & Associates. Several other companies sell Texas Medicare Supplement plans, including Celtic Insurance Company and Independent Healthcare Consulting. No matter which company you choose, it is important to understand what each plan covers and whether any conditions you have will be covered.