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Medicare Supplement Insurance Agency You Can Trust On

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    If you’re a Medicare beneficiary, you should know that Medicare Part A and B do come with out-of-pocket costs, which have to be paid by you.

    In over 45 U.S. states, there are around 10 standardized Medigap insurance plans, each denoted by different alphabet letters, from letter A through N. Although E, H, I, and J Plans are no longer available, you can still keep one if you have purchased it before June 1, 2010.

    While private Medicare Supplement insurance companies aren’t required to provide every Medigap plan, they must offer at least Plan A.

    Key Points to Remember about Medicare Supplement Insurance:

    If you plan on  buying a Medicare Supplement plan, here are a few important points to keep in mind:

     – You must be having Medicare Part A and Part B.

    Medigap plans are different from Medicare Advantage plans. The latter is a way to get Medicare benefits, whereas the former simply “supplements” your Original Medicare benefits.

    If you have a Medicare Supplement plan, you will pay a monthly premium for your Medigap insurance policy. This monthly premium is over and above the monthly premium for Medicare Part B that you pay to Medicare.

    A Medigap policy covers just one person. If you want a Medicare Supplement policy for your spouse, you will need to buy another one for him/her.

    You can buy a Medicare Supplement plan from any insurance company that holds a license to sell Medigap policies in your state.

    Even if you have health issues, your standardized Medicare Supplement policy is fully renewable without any clause. This means, your Medigap insurance company cannot cancel your policy as long as you pay the premium.

    It’s against the law for any Medigap insurance provider to sell a Medigap policy to someone, who already have a Medicare Advantage Plan. In such a case, one can only buy a Medicare Supplement once he/she switches back to the Original Medicare.

    TMS Insurance Brokreage, DBA. Texas Medicare Solutions is a licensed (License #1989071)Insurance Agency in San Antonio, Texas that offers several low-cost Medigap insurance plans from multiple carriers to help cover out-of-pocket healthcare costs.

     

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    Basic Benefits of Medicare Supplement Plans

    Each Medigap plan, denoted by a specific letter, must provide the same basic benefits, irrespective of the region or insurance company. For instance, Medicare Supplement Plan G in Texas will offer the same benefits as that of Plan G in Nebraska.

    It is important to note that Medigap plans don’t usually cover dental, vision, hearing aids, or long-term care, but every Plan must cover at least a part of the benefits below:

     – Coinsurance costs of Medicare Part A up to an extra 365 days once the Medicare benefits are utilized

    Hospice care copayments or coinsurance under Medicare Part A

    Medicare Part B copayments or coinsurance

    – The initial 3 pints of blood used in an approved medical procedure

     

    Additionally, there are Medigap plans that offer some extra basic benefits. One such plan is Medicare Supplement Plan F, which is the most exhaustive Medicare Supplement plan, and comes with the benefits stated below:

    – Medicare Part B deductible

    Medicare Part A deductible

    – Medicare Part B extra charges

    – Preventive care insurance Medicare Part B coinsurance

    – Skilled Nursing Facility care coinsurance

    – Medicare Part A hospice care coinsurance or copayment

    – Emergency care during foreign travel

     

    *Important note: Beginning January 1,2020, Plan C and F are no longer available to people who are new to Medicare.  If you already have one of these plans, you’ll be able to keep your plan.

     

    Besides, there are other Medigap plans like Plan  D, G, M and N that cover healthcare costs when you are travelling outside of the U.S. If you have such a Medicare Supplement plan along with your Original Medicare, you can expect the following:

    – Medicare will pay its part of the Medicare-approved amount for health care cost covered.

    – Post that, your Medigap will pay its share.

     

    If you have a Medicare Supplement plan that covers emergency cost during foreign travel, your Medicare Supplement plan will:

    – Cover emergency care if the plan starts within the initial 60 days of your foreign trip, and if the Original Medicare doesn’t otherwise cover the cost.

    – Pay up to 80% of the charges for specific medical emergency situations outside of the U.S. if you have US $250 as deductible for that year.

     

    Coverage for foreign travel medical emergency with Medicare Supplement policies has a life-long limit of US $50,000.

    With so many options to choose from, it’s easy to get confused. But,you don’t need to worry as Texas Medicare Solutions’ seasoned Medicare Supplement specialists in Texas can explain all Medigap plans thoroughly.

    Once you are satisfied, they can even help you enrollover the phone or in person!

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

    Eligibility to Enroll in Medicare Supplement Plans in Texas

    Although it is required by private insurers to offer the same basic benefits under every lettered Medigap plan, they can charge different premiums for each type of plan. It is suggested to look for the Medicare Supplement plan that meets your medical and budgetary needs before you buy one. Medigap companies can set the premiums of their Medicare Supplement plans in one of the following ways:

    Community No-Age-Rated: These Medicare Supplement insurance plans have premiums that are the same across the entire spectrum, irrespective of the enrollee’s age.

    – Issue-Age-Rated: These Medigap plans decide their plan premiums on the basis of your age at the time of first enrolment. This means, the younger you are at the time of enrollment, the lower the premium would be.

    – Attained-Age-Rated: These Medigap plans are similar to “Issue-Age-Rated” plans with the only difference that their premiums increase as you grow older.

    It is to be noted that regardless of the rating method used by a Medigap insurance company, plan premiums may also increase for other reasons like inflation. The majority of Medicare Supplement plans sold in Texas are Attained-Age-Rated.

    At Texas Medicare Solutions, our licensed insurance agents can help you choose the Medicare Supplement insurance plan that suits needs.

     

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    Eligibility to Enroll in Medicare Supplement Plans in Texas

    The first criteria to enroll in a Medigap insurance plan is that you must be enrolled in both Medicare Part A and Part B.It is good to enroll in a Medicare Supplement plan during the Medigap Open Enrolment Period, which starts on the 1st day of the month – on which you are 65 years or older as well as enrolled in Medicare Part B – and lasts for 6 months. During this phase, you can enroll in any Medigap plan available in your state. You can have access to all basic benefits, regardless of any preexisting health conditions, if you enroll during this period. However, a specific waiting period might be applicable, depending on the Medigap plan you choose.

    In case you miss this enrollment period and want to enroll later, you may be denied, in some cases, the Medigap insurer may charge a higher premium on the basis of your medical history. In some states, including Texas, you can enroll in a Medicare Supplement plan even before the age of 65 years.

    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.