Choosing a Texas Medicare Part D plan that fits your circumstances is very important as there are many plans to choose from. Texas Medicare Part D plans are offered by private insurance companies so there are plans with different deductibles, copays and premiums. Before you choose a Medicare Part D plan in Texas you should determine your annual out-of-pocket expenses for prescription medications. Make sure the Texas Medicare Part D plan you select covers all of your prescriptions. You should consider the copays, deductibles and premiums of each plan to determine which Medicare Part D plan offers the most savings. You can compare Texas Medicare Part D plans by using the PlanPrescriber Medicare Part D plan comparison tool to find a plan in Texas that works for you.
Texas Medicare Supplement and Medicare Advantage Plan Information
From Houston to Plano, San Antonio to Corpus Christi, Dallas/Ft. Worth to Austin, El Paso to Arlington, Amarillo, Beaumont, Brownsville, Denton, Frisco, Garland, Irving, Laredo, Lubbock, Pasadena or Waco it is important that you find the medicare coverage that fits your life and your lifestyle. We feel that the best care is received when you have your choice of Doctors, and you and your Doctor make your medical decisions. Medigap plans in Texas are available with no medical underwriting during your open enrollment period. This is when you become eligible for Medicare Part B. You may however, apply to a company and fill out the medical underwriting questions at any time. We are pleased to introduce our Texas Medicare Supplement Comparison Quoting System. It is a very simple process where you enter a few bits of information and then we will quote all of the medicare supplement plans offered by several companies. The companies that we select to quote are based on their strong reputations and competitive pricing. Some of the companies that we represent are: Aetna, BlueCross BlueShield of Texas, Combined Insurance, Equitable Life, Forethought Life, Gerber Life, GPM Life, Heartland National, Omaha Insurance Company, Oxford Life, Standard Life & Casualty, UCT, United American and UnitedHealthcare
Medicare Coverage in Texas
People with Original Medicare can join a Medicare Supplement (Medigap) plan to help offset some of their out-of-pocket costs. There are 10 plans available, with each type designated by a different letter (for example, Medigap Plan A). Medigap coverage is standardized, so no matter which insurer you purchase from, the benefits across each plan letter will be the same. States aren’t required to offer every plan type, so if you are looking for a Medicare Supplement plan in Texas, you may have different options available than someone in another state.
Medicare Advantage Plans in Texas
Medicare Advantage plans provide Part A and Part B benefits through private insurance companies have a contract with the federal program. If you have Medicare Advantage, you are still in Medicare, and you will still get all of the same benefits that you would in Original Medicare (except hospice care, which is still covered by Medicare Part A). Some plans offer other benefits not included in Original Medicare, such as health and wellness programs, routine vision and dental benefits, or prescription drug benefits. You will need to continue to pay your Part B premium if you have Medicare Advantage.
Medicare.gov: the official U.S. government site for Medicare
Medicare Part D Drug Coverage in Texas
The drug coverage offered by a Medicare Part D plan is known as the plan formulary. The formulary must include Medicare drug coverage for the most commonly prescribed drugs. This does not guarantee Medicare drug coverage for your specific prescription; your Medicare Part D plan coverage may only offer drug coverage for the drug’s generic version. If coverage for a drug is eliminated from your Medicare Part D plan your provider will notify you 60 days in advance. You may have to switch to a comparable drug. Most plans use a tiered approach to determine the copay for each drug. Most generic drugs are on Tier 1 and have the lowest copay amount; Tier 2 has a medium copayment and offers drug coverage for common brand name drugs. Tier 3 and the Specialty Tier have the highest copay and offer Medicare drug coverage for unusual and high cost drugs. If your medications are in the higher tiers you may want drug coverage with a higher premium and lower copayments. Visit PlanPrescriber.com to compare Medicare Part D plan rates and drug coverage in your area.