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Specializing in affordable Medicare Supplement insurance (also called Medigap) for
Seniors living in Texas. Compare rates from mutiple carriers to find the best value
from the insurance companies that I represent.
 As a licensed Texas
Insurance Agent I work with Senior Texans to reduce risk, and drive down the cost
of healthcare. Specializing in TX Medicare Supplement Insurance allows me
to accurately assess your needs, compare rates from several companies, and provide
the right coverage at the lowest cost from the insurance carriers in my portfolio.
I'm proud to serve the Medigap needs of Seniors all over the great State of
Texas.
I'll be happy to provide information on the difference in coverage between a Plan
F, Plan G, High Deductible Plan F, or any of the modernized plans
including Plans M and N. As of June 1st, 2010 the new modernized plans replaced
the older standardized plans eliminating plans E, H, I, and J. If you have an older
plan such a a plan J you will be able to keep that plan as long as you pay your
premiums, and the benefits included in the original plan will not change.
I represent highly rated companies and am licensed to write
Medigap, Life, and Health Insurance policies in the entire state of Texas.
As an independent agent I am not "locked in" to a specific
company's products, and you can compare rates and find the best coverage at the
lowest cost from the insurance companies that I represent.
Please feel free to call
(877) 724-6530 for a Medicare Supplement quote. I
will be respectful of your privacy, and will not contact you again unless it is
your request.
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 Medicare can be a confusing subject,
and especially now with all the recent changes including Medicare Part D.
Selecting the correct policy from all of the available Texas Medicare Supplements can be especially confusing,
but rest assured that I can assess your risk and recommend a proper and affordable
plan for you. My office is in the San Antonio TX area and I serve clients
throughout the state of Texas. Whether you are in Austin, Dallas/Fort
Worth, El Paso, Houston, Rio Grande Valley, San Antonio, or anywhere in Texas please
feel free to request a Medicare Supplement quote or more information.
My promise to you: First
and foremost I am here to help you make sense of the many changes to Medicare.
If you are currently at risk I am able to make a recommendation to protect you with
the right Texas Medicare Supplement coverage.
I will treat you with the courtesy and respect that you deserve, the same that I
would expect myself.
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You will never be hounded! I love dogs and have two of my own, but promise not to hound you if you request a quote or more information.
If you request a quote you can do so without submitting a lot of personal information, and by using our quote
page we will prepare a rate comparison from multiple Medigap carriers to assist you in finding the best value.
Click here for a no-obligation rate comparison
and Medigap quote. For a complete analysis of your Medicare needs
or more information please feel free to call toll free at (877) 724-6530.
I promise to be respectful of your privacy.
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Download Medicare publications from
the Department of Health and Human Services and CMS
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Frequently Asked Questions
about Medicare Supplements:
Question: Do all TX Medigap plans offered by different Insurance Companies
offer the same mandated benefits?
Answer: Yes, the modernized plans A-N are sold in Texas. Every company
that offers one of the modernized plans in Texas must offer the same mandated benefits
with each plan. This means that company A's Plan F (or any other plan) must
provide the same mandated benefits as company B's Plan F, and both must conform
to the Modernized Texas Medicare Supplemental Plans that
can be legally sold to Senior Texans. Costs can vary widely between companies
for the same or similar coverage so it is important to compare rates. For
more information on the available plans click here.
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Question: Why do your Medicare Supplement premiums go up?
Answer:
- Your attained age can cause your rates to go up, and
the insurance company may raise your rates based on these statistics.
- The financial stability of your Insurance Company can
be another, if a company sustains large losses they may raise premiums to remain
solvent.
- The overall rising cost of healthcare is another reason
for higher premiums.
- If the claims against the group of people in your "block
of business" increase. When the group of people on which your rates are based
get older and have more claims, the entire group may pay higher premiums to offset
the insurance companies rising healthcare costs. Click
here for a more complete description of how claims affect premiums.
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Question: What are excess charges?
Answer: They are charges above that approved by Medicare if your doctor or
hospital does not accept assignment. Although most physicians will accept
assignment, some specialists, and specialty hospitals do not. Modernized TX
Medicare Supplement Plan F and G cover 100% of these excess
charges, and plans A-D, and M and N leave you vulnerable to excess charges.
Click here for more information about Part B excess
charges.
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Question: What is "Guaranteed Issue"?
Answer: Guaranteed issue rights allow you to purchase a Medicare Supplement
Policy without using underwriting considerations if you have existing health care
coverage that qualifies as creditable coverage. For example if you have an
employer group plan that pays after Medicare pays, and your coverage is ending you
may qualify for guaranteed issue. There are several scenerios where you may
qualify for guaranteed issue. If you qualify for guaranteed issue no company
can deny you a Medigap policy and must cover all of your pre-existing conditions.
It is important to discuss guaranteed issue with your agent if you are past your
open enrollment period. You must apply for a Medigap policy no later than
63 days after your coverage ends to qualify, and under most circumstances you may
only purchase a Plan A, B, C, F, K, or L. Page 19 of the
"Choosing a Medigap Policy" booklet published by the Centers for Medicare
& Medicaid Services covers this topic.
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Question: What is the "open enrollment period" and why is it so important?
Answer: Your open enrollment period begins on the first day of the
month you are both 65 and have Medicare Part B, and extends for 6 months from that
date. The reason this period is so important is that no company can deny you
any Medicare Supplement Policy that they sell for any reason. If you wait
until your open enrollment period expires companies are allowed to use medical underwriting
to decide whether to accept your application, and what rates they may charge.
Due to certain health conditions that arise it may make it very difficult and expensive
to obtain coverage after your open enrollment period expires.
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Question: I am under 65 and have Medicare Part A and B because of a disability,
can I get a Medicare Supplement Policy?
Answer: Yes, but with some considerations. Texas only requires
insurance companies that offer Medigap policies in this state sell a Plan A to someone
under 65 that qualifies for Medicare. It varies from company to company which
plans in addition to a Plan A can be offered to someone on disability. Click
here for a detailed description of the coverage that the various plans provide.
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Question: Are there any Government publications available to help me choose
a Medigap Policy?
Answer: Yes, there is a booklet published by the Centers for Medicare &
Medicaid Services (CMS) called "Choosing a Medigap
Policy". To download a free copy please click the previous link.
You will need Adobe Acrobat to read the document, if you do not have Acrobat Reader
you can get a free download from Adobe.
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Question: I'm too young to enroll in Medicare Part D, can I get a drug discount
card?
Answer: Together RX Access offers a free prescription savings card for individuals
and families. This card is free to get and free to use. This is
not insurance and therefore not regulated like other insurance products. Most
cardholders save 25%-40% on over 275 brand-name medicines and products. This
card gives you instant savings right at the pharmacy counter and saves on a wide
range of generic drugs as well. There are certain eligibility requirement
such as income, other prescription drug programs, and eligibility for Medicare.
If you are interested in the Together RX Access card I'll be happy to send you the
enrollment forms.
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