Texas Medicare Supplement Plans
Medicare Supplement plans in Texas include 10 standardized options, lettered A – N. Each insurance company must Plan A at the bare minimum, but can offer any of the other plans as well. In Texas, you can choose any doctor, no matter who your Medicare supplement carrier is. You can see any of these doctors at any time, regardless of which insurance company you purchased your Medigap policy from. Texas plans don’t require referrals. Those plans have no networks, so you are not required to see a primary care physician first to get a referral to see a specialist. You can book your own appointments with doctors hassle-free.
Finally, all Medicare supplement plans in Texas are guaranteed renewable. Your coverage will never be canceled based on a health condition that you develop. As long as you pay your monthly premiums on time, your Medicare supplement will remain in place and be there for you when you need it.
Medicare Supplements cover the deductibles, copays, coinsurance, and more that Original Medicare doesn’t, saving thousands of dollars. It also gives you the freedom to see any doctor that accepts Medicare. Medicare Advantage plans offer similar coverage to Original Medicare, but offer extras, including prescription drug coverage, and sometimes don’t cost you any additional premium.
Medicare only covers 80% of your outpatient costs, leaving you to pay the deductible. All Texas Medicare supplement plans cover the other 20% of your Part B coinsurance, as well as your Part A coinsurance and copayments. All Medicare supplement plans will also cover the hospital deductible. However, Plan K and Plan L don’t cover the Part B coinsurance and Part A deductible at 100%.
Medicare Supplement or Medicare Advantage plans may be the answer.
When to Enroll in Texas Medicare Plans
Medicare beneficiaries in Texas are eligible for Medicare at age 65.
Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.
Initial enrollment begins three months before your birth month and lasts three months after. This is also the time you can apply for Medicare Supplements. While you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to health conditions considering you won’t have to answer health questions on your application.
Texas Medicare Advantage Plans
Texas has 54 Medicare Advantage plans available, depending on what county you live in. Also known as Medicare Part C plans, Medicare Advantage is a private Medicare plan that provides all Original Medicare benefits but also includes extra benefits like dental, vision and prescription drug coverage.
In Texas, open enrollment for Medicare Advantage begins on January 1 and ends on March 31. Those who are already enrolled in Medicare Advantage can switch to a different plan during this open enrollment or opt to have Original Medicare instead.
Medicare Savings Programs Texas
Texas offers a Medicare Savings Programs for certain low-income people, who find it difficult to meet the Medicare premiums. This program helps to pay for some or all of the monthly premiums, copayments, and deductibles that you might experience on Medicare. There are different levels of qualification.
Medicare Advantage for Texas Residents Under the Age of 65 with Disabilities
While Medicare is generally reserved for those turning 65, there are cases in which someone may be eligible for Medicare under the age of 65. This includes individuals with disabilities who have received Social Security Disability Income for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
It is important to note that there is a five-month waiting period after a beneficiary is determined to be disabled before they can begin to collect Social Security Disability Income. People who meet all the criteria for Social Security Disability Income are generally automatically enrolled in Medicare Part A and Part B. For the people who meet the standards, but do not qualify for Social Security Income, have an option to purchase Medicare by paying a Part A premium monthly as well as a monthly Part B premium.
An exception to the 5-month waiting people does apply for those people with ESRD and ALS. These individuals do not have to collect benefits for 24 months in order to become eligible for Medicare.
The requirements for Medicare eligibility for people with ESRD and ALS are:
- ESRD – Generally 3 months after a course of regular dialysis begins or after a kidney transplant
- ALS – Immediately upon collecting Social Security Disability benefits
Regrettably, those with disabilities often have lower incomes, require more health care, and find it more difficult to pay for and obtain care compared to Medicare beneficiaries over 65 years of age. Take our Medicare quiz now to see if you qualify for incredible Medicare benefits, even if you are under the age of 65.
Every state is different, and so obtaining Medicare benefits in Texas can be complicated or confusing. If you are disabled or under the age of 65 wondering if you qualify, it is best to contact us directly to see if you are eligible.
What Medicare Advantage benefits am I eligible for under the age of 65 in Texas?
At 100 Insure, we can help you discover benefits you might be eligible for including:
- Premiums starting at $0 per month
- Coverage for copays and deductibles
- Prescription drugs
- And transportation to the doctor and pharmacy
That’s right. Our company has helped qualified people under the age of 65 in Texas receive benefits like:
- Massage services
- Meals after a hospital
- Food for their service dog
- A gym membership
- Money for vitamins and groceries
- Home improvements
- In home care & aides
- And pest control services
Contact us today to see if you qualify.
Medicare Coverage for Working People in Texas with Disabilities
Medicare eligibility for working people with disabilities falls into three distinct time frames.
- Trial work period – extends 9 months after a disabled individual obtains a job
- Second period – This period is for 93 months after the end of the trial work period.
- Third period – An indefinite period following those 93 months.
Keep in mind that Medicare eligibility during each of these periods applies only while the individual continues to meet the medical standard for being considered disabled under Social Security rules.