Texas Medicare Supplements Insurance

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Texas Medicare Supplements Insurance

The best time to check into Medicare Supplements (Medigap) is before you are eligible for Medicare. If you are nearing age 65, the choices you make now can help you in the future. But choosing a correct supplemental insurance to meet your needs can be confusing and overwhelming. Fortunately, our trained agents are committed to helping you sort though all the options available.

Everyone 65 and older is entitled to the basic Medicare coverage, but typically it only covers about 64 percent of the annual health care costs. Added to the expense not covered by Medicare are deductibles, co-payments, and coinsurance to pay. Contact our team to learn more about Medicare Supplements and other available coverage options.

Medicare Supplements Options in Texas

Both Medicare Part A and Part B were designed to help retirees with their health insurance. If you choose to add Medicare Part B, consider adding Medicare Supplements within the first six months.  During this time, the Medigap program must accept you and any preexisting conditions, known as "guaranteed issue rights." In most cases, as long as you continue paying the premiums you cannot be cancelled. After the 6 months, if you decide you want a supplement policy, you can be turned down for pre-existing conditions such as diabetes, heart disease, or cancer.

Texas Medicare Supplemental Health Insurance has a wide variety of plans and is organized alphabetically with each plan designated with a single letter. Plans are designed to help with the cost of deductibles, co-payments, and coinsurance. Some plans offer prescription, vision, or dental coverage. The different plans offer the flexibility of choosing your own doctors and hospitals that accept Medicare patients and specialists, without referrals. You have the freedom to travel and take your coverage with you anywhere in the United States.

Rates for Medicare Supplements can vary greatly between different carriers and are usually based on age, location, gender, and health. You don't have to sort through this alone, our agents at HARCO Insurance Services are committed to searching for the coverage options and solutions that fit your unique needs.

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