A Medicare Supplement plan covers costs associated with Original Medicare, including copayments, deductibles, and other out-of-pocket expenses. These plans are designed to work in combination with Original Medicare and cannot be used as stand-alone health coverage. Medicare Supplement plans do not include prescription drug coverage, but beneficiaries can choose to have prescription drug coverage by enrolling in a Medicare Part D prescription drug plan.
What’s Medicare Supplement Insurance (Medigap)?
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Texas Medicare Supplements
Enrollment in Medicare is handled in two ways: either you are automatically enrolled or you must apply. If you are getting Social Security or Railroad Retirement Board benefits before you turn 65, you are automatically enrolled and your Medicare card will be mailed to you about three months before your 65th birthday. If you are not receiving retirement benefits, you must apply by contacting a Social Security Administration office or, if appropriate, the Railroad Retirement Board. You should apply three months before your 65th birthday to avoid a possible delay in the start of your coverage. If you have been a disabled beneficiary under Social Security or Railroad Retirement for 24 months, you will automatically get a Medicare card in the mail.
Medicare Supplement Options
* Network restrictions apply. ** Policy forms UWMSP(A)-2010, UWMSP(F)-2010, UWMSP(F-HD)-2010, UWMSP(G)-2010, UWMSP(K)-2010, UWMSP(L)-2010, UWMSP(N)-2010, UWMSP-SEL(F)-2010, UWMSP-SEL(G)-2010, UWMSP-SEL(K)-2010, UWMSP-SEL(L)-2010, UWMSP-SEL(N)-2010.
Texas Medicare Supplement (Medigap)
As a Texas Medicare beneficiary, you can apply for a Medicare Supplement policy from any insurance company that is licensed to sell one in the state of Texas. However, not all companies necessarily offer all 10 standardized plans. Insurance companies have the option to choose which Medicare Supplement plans to offer; however, they must at least offer Plan A. If an insurance company wants to offer more Medicare Supplement plans, the company must offer Plan C or Plan F in addition to any other Medigap plans. For the most part, enrollment in standardized Medicare Supplement is denied for individuals under the age of 65; however, Texas requires insurance companies to offer at least one kind of Medicare Supplement policy to Medicare beneficiaries under age 65.
Medicare.gov: the official U.S. government site for Medicare
Medicare Supplement of Texas
Like any other insurance program, Medicare was never designed to cover ALL medical expenses for its beneficiaries. There are costly co-payments and deductibles on everything from office visits and hospitalizations to home health care and much more.