Now that you’re 65, you have Medicare and that’s a relief. But what about the out-of-pocket expenses like deductibles, coinsurance and copays? Medicare wasn’t designed to pay for all of your medical costs, and you’re prepared to increase your coverage. You’ve made up your mind- you’re definitely interested in purchasing a Texas Medicare supplement plan, but with so many different options, you’re not sure which one is right for you.
In Texas, there are ten different plans to choose from, each with different combinations of benefits. How much coverage do you need and what benefits can you live without? Taking the time to familiarize yourself with some details will help you make an informed decision when you are ready to purchase. Is plan G the right Texas Medicare supplement for you?
Plan G Coverage
For many Texans, Plan G is the right choice simply because the benefits are comprehensive. In fact, it’s the most comprehensive coverage next to Plan F. And the only difference between Plan F and Plan G is a small Part B deductible. With Part G, in addition to your Part A deductible and coinsurance, you get 365 extra days of coverage after your Medicare runs out, your Part B coinsurance and the first three pints of blood. Plus, Plan G and Plan F are the only two Medicare supplement plans that cover excess charges above and beyond what Medicare will pay.
That’s significant savings to help you keep your out-of-pocket expenses low. In addition, a skilled nursing copayment is covered as well as hospice care and there’s even coverage if you need to receive treatment when visiting a foreign country. While your Part B deductible is not covered with Medicare supplement Plan G, all preventive care is covered 100 percent.
Save Money with Medicare Select
Plan G is also available in a money saving Medicare Select option. Basically, if you’re looking to save on premiums, you can receive the same benefits as the standard Plan G but for a reduced premium. By agreeing to use Medicare Select hospitals and doctors, your monthly payment is reduced. Need emergency care? No problem, with Medicare Select, you can get treatment at any hospital for no extra charge. Plus, you can still choose your own doctor. Remember, to be eligible for Medicare Select Plan G, you must live within 30 miles of a Medicare Select participating hospital.
Choose Your provider Carefully
Medicare Select plans are standardized, meaning regardless of who sells you a plan, the benefits are the same. This means the real differences between providers is cost and reliability. Choose your provider carefully and stay with names you know and trust for getting the reliable coverage you need to be protected. There’s a reason why Mutual of Omaha and Blue Cross Blue Shield of Texas are as popular as they are- they’re leaders in Medicare supplement insurance and will continue to be for as long as folks in Texas need coverage.
Take the time to review your options carefully. And remember, Medicare supplement insurance is here to help you with costly medical care. Consider Plan G for comprehensive coverage and buy for a reliable provider you can trust to get the peace of mind you deserve.
For more information or to explore if Plan G is the right Texas Medicare Supplement plan for you visit our senior friendly website today.
Tags: blue cross blue shield of texas medicare supplement insurance, texas medicare supplement, texas medicare supplement plans