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Dependable Medicare Advantage Agency in Texas

Enroll in the Right Medicare Advantage Plan with Us. Representing Several Carriers. Our Ability to Teach Our Clients About Medicare, Are What Set Us Apart!

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Searching for the Right Medicare Advantage Plan in Texas?

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    Medicare Advantage, also called Medicare Part C, is  an alternative way to receive the Original Medicare benefits for people with Medicare Part A (hospital insurance) and Part B (medical insurance). Provided by private insurance companies that are contracted in contract with Medicare, Medicare Advantage plans give the same level of coverage as provided by Medicare Part A and Part B. If you are already enrolled in Original Medicare – Part A and Part B – you can choose to enroll in Medicare Part C or Medicare Advantage (MA). It is important to note that Medicare Advantage plans vary by county so a person enrolling in a Medicare Advantage Plan in San Antonio may have different options than someone enrolling in Dallas, Waco or even the Rio Grande Valley.

    You may be wondering why someone would choose to enroll in a Medicare Advantage plan when they already have Medicare. First of all, Medicare Advantage plans cover all the same benefits of Original Medicare , including emergency and urgent care. Hospice care remains covered by Original Medicare.

    Here are some differences between Original Medicare and Medicare Advantage plans. These differences can be in how much you would pay out of your pocket for healthcare. For instance, you may have a smaller deductible, or a lower coinsurance and copayment.

    Besides, these differences can also be in terms of the coverage you get. Many Medicare Advantage plans can cover dental, vision, hearing, over-the-counter items, and even personal emergency response systems. Many Medicare Advantage plans also include prescription drug coverage, known as Medicare Advantage Prescription Drug plans (MAPD).

    Remember that even if you enroll in a Medicare Part C plan, you would remain enrolled in Original Medicare and you must keep on paying your premiums for Medicare Part B.

    Types of Medicare Advantage Plans:

    To know which plan is best for you, it’s good to understand the different between different types of Medicare Advantage plans:

     – Health Maintenance Organization (HMO) Plan:  It allows you to visit doctors and other healthcare professionals, participating in its provider’s network.

     –  Preferred Provider Organization (PPO) Plan: It includes both in- and out-of-network providers. This gives you the freedom to select any doctor that accepts Medicare.

    –   Private Fee-for-Service (PFFS) Plan: This plan decides how much it will pay to doctors and other health care professionals as well as how much you must pay when you receive care. If your doctor denies the terms of payment, then your PFFS plan will not cover services from that doctor.

    –   Special Needs Plan (SNP):This plan is for people with specific special needs. The 3 SNPs cover Medicare enrollees residing in institutions, people with dual eligibility for Medicare and Medicaid, and patients with chronic conditions like end-stage renal disease or diabetes. SNPs always include prescription drug coverage.

    –   Health Maintenance Organization – Point of Service (HMO-POS) Plan:These plans cover both in- and out-of-network services, but at varying rates.

    –  Medical Savings Account (MSA) Plan: It comprises both a high deductible and a bank account to aid you in paying that deductible. The sum of money deposited the account may vary from plan to plan. The amount is tax free until to use it for IRS-approved medical expenses, which includes deductibles too.

    At Texas Medicare Solutions, our local agents not only can help you understand the subtleties of different types of Medicare Advantage plans, but they can efficiently guide you through the process of choosing the right one.

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    Medicare Advantage in Texas

    As mentioned earlier, your Medicare Advantage plan is required to offer you the very same benefits that you get from  Original Medicare. The only exception is hospice care, but it is covered by Original Medicare Part A. Medicare Part C plans in Texas may come with extra benefits like dental services, routine vision, and prescription drug coverage.

    Depending on your location in Texas, you can choose from a range of Medicare Advantage plans. Some plans do include networks of doctors. In case you consult with a doctor beyond the network, you may need to pay additional amount for the health services, or you might not have any coverage altogether. It is therefore important to choose an MA plan with the network that include your doctor as this helps you save out-of-pocket health care costs.

    How to Get Prescription Drug Coverage with Medicare Advantage in Texas

    Some MA plans, known as Medicare Advantage Prescription Drug plans (MA-PDPs) offer prescription drug coverage over and above the benefits of Original Medicare. If you have this plan, you don’t require to have an individual Medicare Part D Prescription Drug Plan for your medicines.

    Enrolling in a Medicare Advantage Plan in Texas

    First things first, you must be eligible for Original Medicare if you want to enroll in a Medicare Advantage plan. The plans may vary depending on your area of service. In case you are suffering from end-stage renal disease, you are less likely to qualify for most MA plans, except Special Needs Plan.

    Enrolling in a Medicare advantage plan is incredibly easy with Texas Medicare Solutions. fixYou can schedule an appointment with our licensed Medicare Advantage agents specialist at your convenient time and place, or simply buy over the phone! Because plans vary depending on your location, we believe that there is value in having a local insurance agent. We understand that a Medicare Advantage Plan in San Antonio may differ from one in Dallas, Waco, or Mcallen.

    Dial 210-908-6565 and speak with a Local Agent Now  Call Us Now

    When Can You Enroll in a Medicare Part C Plan in Texas

    In Texas, you can enroll in a Medicare Advantage plan at your first eligibility for Medicare. It is called Initial Enrollment Period (IEP), which includes 3 months before and after the month you turn 65. It includes your birth month and a duration of 7 months.

    If case you qualify for Original Medicare due to some disability, your eligibility starts 3 months in advance of your 25th month of receiving disability benefits via Railroad Retirement or Social Security benefits. This duration also includes your 25th month and 3 months after that make for a total period of 7 months.

    Besides, you can enroll in a Medicare Part C plan during the Annual Election Period (AEP), which starts on October 15 and lasts until December 7 each year.

    Some may qualify for a Special Enrollment Period (SEP).

    Finding the Right Medicare Advantage Plan in Texas

    You may need to keep in mind a few important points when you compare multiple Medicare Advantage plans at a time. Remember that a specific type of plan can be different in different counties. Moreover, not all plans are available in your area. Both cost and coverage may also vary from plan to plan.

    When looking for a Medicare Advantage plan, it is best to review the summary of benefits with a licensed independent insurance agent who can review all the copays and extra benefits with you.

    If you are on prescription medicines, there are several Medicare Part C plans with prescription drug coverage to choose from. Every MA-PD plan comes with a formulary, which is a list of covered prescription medications. It’s important to review the formulary and make sure all of your medications are covered.

    See What People are Saying About Us

    annie davila
    annie davila
    2020-07-07
    I am very pleased with Texas Medicare Solutions with my agent Natalie Gamez! She is always there for me all year round whenever I need or have a question in a very professional manner she returned my call as soon as possible and she will answer and explain to me whatever my insurance question is. Very pleased to have Natalie Gamez as my agent!
    Sarai Ramos
    Sarai Ramos
    2020-07-02
    It was very professional, detailed, she explained it very well and spoke clearly.
    Kathy Bailey
    Kathy Bailey
    2020-06-25
    Raul is a knowledgeable, professional sales agent with Texas Medicare Solutions. He was kind enough to reschedule our appointment when it was convenient for me. He was organized and knew how to make the overwhelming information you have to wade through much easier to understand and apply to your own situation. He listens to what the client is saying and recommends what should work for the individual's needs.
    Ana Carolina Huemer
    Ana Carolina Huemer
    2020-06-13
    I have received excellent service in my request.
    Jimmy Shafer
    Jimmy Shafer
    2020-06-10
    They did a great job guiding us thru the process and options for Medicare. Really helpful!!!
    Roger Cerda
    Roger Cerda
    2020-06-09
    I called your office and was assisted by Ann Herrera and i needed information since i will be turning 65 this year and was provided with all the info i needed. And she was very knowledgeable and explained everything in detail , excellent customer service.
    Antolin Zuniga
    Antolin Zuniga
    2020-03-24
    Jim has always taken very good care of my medical insurance needs, getting me the correct plan. He goes the Extra mile to help you out, I highly recommend him.
    Beverly Kruse
    Beverly Kruse
    2020-03-05
    Mr. Jim Belcher is, without a doubt, the most helpful and informative agent with whom I have worked ... ever. Not only did he answer all of my questions, but went "the extra mile" in so many ways. He has spent so much of his time helping us obtain the best Humana coverage for our needs. If anyone needs a qualified, polite and patient representative, I urge you to seek him out. You will not be disappointed. He is the best!

    Texas Medicare Solutions Copyright 2020. All rights reserved.

    Not connected with or endorsed by the U.S. Government or the federal Medicare program. TMS Insurance Brokerage, INC License #1989071 is a licensed insurance agency that works with Medicare Enrollees to explain Medicare Advantage, Medicare Supplement, and Prescription Drug Plan Options. Your call will be directed to a licensed insurance agent who can provide you with more information about your Medicare insurance plan options. Dental, Hearing, Vision, Transportation, Gym and Personal Emergency Response System benefits are not guaranteed, are only available on select plans and are not availabile in every county or zip code. Please check with your licensed insurance agent or your state’s insurance commissioner’s office to determine what benefits are offered in your area. This information is not a complete description of benefits. Contact the plan or a licensed agent for more information. Limitations, copays and restrictions may apply. Benefits, premiums, and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B Premium. Medicare has neither reviewed, nor endorsed the information contained in this advertisment. This is not a complete listing of plans available in your service area. There is no obligation to enroll.