Medicare Advantage Plan.


Texas offers many plan options and differant carriers provide Medicare Advantage plans with prescription drugs (MAPD).  The Medicare health plans often use a network of providers.  HMO, PPO, or PFFS  are the differant types of networks and vary depending on where you live.  The HMO network requires a referral to see a Specialist.  Many of the plans have a zero premium plan with low cost co-pays. Many also have extra benefits for dental, vision, hearing, or transportation and includes a gym membership.   Apply for a Medicare Part A&B card when you turn 65 or if you are on disability.  
To get more information and to apply online go to  Medicare.gov  To enroll or make changes in your current plan the annial election period(AEP) starts October 15 and ends on December 7th.
Medicare can be confusing and complex.  We offer a free, no obligation consultation to help you navigate through your Medicare plan options.  
Use the Contact form today.

Medicare Supplement Plan.


The Medicare supplement plan works with your original Medicare Part A&B card.  Medicare supplement pays gaps left in your orginial Medicare coverage.  The freedom of choice is what many Medicare recipients like about Medicare Supplements. They are accepted by Doctors and Hospitals that accept original Medicare.  You don't have to get a referral to see a Specialist or stay in a certain network of providers.
The Medicare supplement doesn't have prescription drug coverage.  You must buy a separate stand-alone prescription drug plan.
Medicare supplement plans are guaranteed issue with the initial coverage eligible period (ICEP) often times this is when turning 65.
The premium rates most often are more expensive compared to Medicare Advantage plans.
There are many different plans and carriers for the Medicare Advantage plans and also for the Medicare supplement plans.
Medicare can be confusing and complex.  We offer a free, no obligation consultation to help you navigate through your Medicare plan options.
Use the Contact form today.