Enroll in Texas Medicare For Coverage Options
Texas Medicare is a valuable and often vital service for eligible individuals. Unfortunately, many people are not aware of the benefits or how to receive them. NoCallsQuote.com is an expert in Texas Medicare and wants to make sure you get the care you need. We’ve highlighted some important information so you or a loved one can feel secure with health coverage.
What are the coverage options?
Texas medicare offers health plans, supplemental (Medigap) health insurance, Medicare Advantage and prescription drug coverage. Medicare doesn’t cover all bills and leaves a gap for premiums, deductibles, and coinsurance. This is where supplemental coverage comes in. All supplemental policies sold by private insurance companies offer the same basic benefits, although some states offer extra benefits. Look at different policies before deciding on one because one company’s policy could be different from another company’s policy. Remember that Medigap only covers one person, and it requires an additional premium.
Medicare Advantage offers numerous plans that vary from state to state. Plans include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee‐for‐Service (PFFS), Special Needs Plan (SNP) and Medicare Medical Savings Account (MSA).
Texas medicare also offers prescription drug coverage to all beneficiaries. You must buy a plan from a Medicare-approved insurance company within 63 days of your Initial Enrollment ending. Plans cover different drugs with varying premiums, which allows you to find an option that’s right for you and your medical needs.
Enrollment Periods
Medicare offers automatic enrollment for individuals who already receive Social Security, Railroad Retirement or Federal Retiree benefits. If you’re not eligible for automatic enrollment, it doesn’t mean you aren’t eligible for Medicare.
The initial enrollment period for Texas medicare lasts for seven months. This occurs during the three months before your 65th birthday, the month of your birthday and three months after. You can also enroll in a voluntary Medicare Prescription Drug Plan.
If you fail to enroll during the initial enrollment period, then you default to general enrollment. Every year, this occurs from January 1 to March 31.The longer you delay signing up for Medicare, the higher the premium for Part B will increase. With Medicare, sooner is better than later!
For more information about Texas medicare and your steps to receiving it, contact an agent today!
