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Friday, October 29 2010
There has been a drastic new shift towards consumers and urgent care clinics. Not only because of the change in the economy, but also because people are taking higher deductibles with their health insurance plans. Saving money when it comes to their health care has become very important to most people. Urgent care clinics are popping up all over the United States, including Texas.
Urgent care clinics are designed for minor emergencies or sickness. You can be in and out much quicker then if you went to an actual hospital emergency room. A lot of the cases in hospital emergency rooms shouldn't even be there. That's one of the reasons urgent care clinics were started in the first place, to clear out the emergency rooms for real life threatening emergencies. Always remember that anything life threatening should be taken to a hospital.
While the cost of appointments and treatments might be cheaper at an urgent care clinic one thing to remember is they can turn away patients unlike a hospital. Another down side is not knowing the patient's medical history. So, when you go to one be prepared to answer a lot of medical questions.
These clinics are perfectly designed for people on the go who need a quick diagnosis so they can go on with their everyday life. Sometimes it might take days to get in to see your regular physician for a sore throat or stomach ache. Urgent care clinics are there to take the hassle away from making appointments and getting you what you need in a shorter amount of time.
Here in Texas, another concern when dealing with urgent care clinics for Seniors is the accessibility to use their Texas Medicare Supplement insurance coverage or Texas Medicare Advantage Plan. Here in Georgetown, TX we had an urgent care clinic pop up very quickly. It is a very nice place and has easy access for the residents of Georgetown, but when they were at a vendor fair in a retirement community and asked if they accepted Medicare, the answer was, "we are working on it".
Overall, urgent care clinics are a great idea and should work well for people, just make sure that you are getting the care you deserve and that if you are going to file your visit on your insurance, that it is accepted. For more information on if your Texas Medicare supplement plan will work in a certain urgent care clinic, give us a call today and we will help find you the facilities that work well with your Texas Medicare insurance coverage.
Posted by: Cameron Kirchoff AT 10:46 am   |  Permalink   |  Email
Tuesday, October 19 2010

Annual Election Period Choices for Medicare Insurance

The Annual Election Period (AEP) is just right around the corner. November 15th through December 31st of this year is a very hectic time for many Medicare Beneficiaries. When dealing with past and present clients, I have found that most are a little confused on what insurance plans this time of year is intended for.

Everyone is pretty much on par with the fact of if you are looking to changes your Medicare Part D or prescription plan; this is the time to make that change. Were some of the confusion kicks in, is when dealing with Medicare supplements insurance plans and Medicare Advantage Plans.
When looking to make changes to your Medicare supplement plan, the one thing that everyone should know is you do not have to wait until this time of the year to make changes. Medicare supplements in Texas, or anywhere else in the U.S., can be changed anytime throughout the year. With this being said, there is underwriting and medical questions that must be answered if you are not in your Open Enrollment of Medicare Part B or if you have Guaranteed Issue status.
As for Medicare Advantage Plans, it is just the opposite. You have to wait until the Annual Election Period to make changes to a different Medicare insurance option, for a January 1st effective date of the following year.
Another change that CMS, or the Centers of Medicare and Medicaid Services, has also implemented this season is there will be no more Open Enrollment Period (OEP), or the time period the usually follows the Annual Election Period of January 1st to March 31st of the following year. This was a time frame that you could change your Medicare Advantage Plan from one insurance company to another insurance company if you did not like how the coverage worked for you. Now, if you enroll in a Medicare Advantage Plan during the AEP, you will only have from January 1st to February 14th to disenroll from your Medicare Advantage Plan and go back to Original Medicare and look at a Medicare supplement plan to help off set the gaps in the coverage. This period in called the Annual Disenrollment Period or ADP.
Knowing your options and following the rules when dealing with your Medicare insurance options can help keep you protected the right way. Feel free to contact an agent today with any questions of concerns you may have and receive your no-obligation Texas Medicare Supplement Quotes.
Posted by: Cameron Kirchoff AT 09:38 pm   |  Permalink   |  0 Comments  |  Email
Saturday, October 09 2010
Many people look forward to the day that they will be able to retire from their jobs and finally get to explore the interests that they’ve been cramming into the weekend for their entire lives. Supporting a family and taking care of financial responsibilities for twenty or thirty years can be exhausting, and retirement is often thought of as the golden years when people will finally get to rest and use their time as they please. If you assume that you’ll be able to transition seamlessly into using Medicare once you retire, and that the coverage will be exactly the same, you might be in for a surprise. That’s why it’s so important to explore all your affordable Texas Medicare supplements options before you retire.

It might surprise you to learn that the main purpose of Medicare insurance coverage is to help reduce the out of pocket costs that elderly people in the United States have to pay in order to stay on top of their health care issues. While the original Medicare plan does a lot to provide senior citizens with affordable health care, but when it comes to prescription drugs and preventative health care visits, you’re likely to find that there are gaps in the coverage. To make sure that you aren’t surprised when you walk up to the billing counter, Medigap insurance plans Texas helps to fill in these gaps.

The government has appointed twelve different national insurance companies with the responsibility of providing Medicare supplements Texas to senior citizens that want to make sure they have comprehensive coverage. It can be complicated to compare all the different plans and companies, so it’s best to start looking around at possible providers at least a year before you are going to retire.

Although you will have to pay out of pocket for the Texas Medigap insurance that you choose, there are some advantages of being able to turn to a private insurance company for your benefits. Instead of just being a policy number at a government agency, you’re more likely to have an independent agent to worth with on all of your claims. You’ll also be able to take advantage of reduced premiums because the government helps to subsidize the cost of coverage for the insurance companies. Either way, it’s important to start planning for your health coverage needs well in advance of your retirement.

Posted by: Cameron Kirchoff AT 12:44 pm   |  Permalink   |  Email
Friday, October 01 2010
Are you approaching the year when you’re thinking about retiring, but are unsure that you’ve prepared to deal with the high cost of health care coverage on a fixed or low income? Many people think that Medicare will cover all their health care needs, and then when they retire, they learn that the original Medicare plan often leaves gaps, meaning that some patients won’t be covered for important services. Before you make a final decision about which health care options are right for you as a senior citizen, it’s important to make sure you’ve explored all the options, including Medigap insurance plans Texas.
In case you’re not yet that familiar with the way traditional Medicare coverage works, it’s important for you to know that there are two main types of plans, Medicare Part A and Part B. Medicare Part A is basically coverage for any hospitalization costs that you may incur during an illness or other medical procedure. Depending on whether or not you meet specific health and income criteria, your Part A coverage will be applicable toward inpatient care in hospitals, critical access hospitals, skilled nursing facilities, hospice care services and some independent living health care in your home. Although this might seem comprehensive, many find that the coverage is limited, increasing their need for affordable Texas Medicare supplements.
The second part of the original Medicare plan is the coverage which falls under Part B, your medical insurance. Part B of the Medicare plan covers doctors' services, outpatient hospital care, and, in some cases, the services of physical and occupational therapists. It’s important to note that Part B will only provide financial assistance for these services and supplies when a doctor deems that they are medically necessary. If you utilize this coverage, it’s likely that you’ll have to pay the Part B premium.
Because many people are likely to find areas of health care need that aren’t covered by the original Medicare plan, the government has authorized several different insurance companies to offer supplemental insurance to fill in the gaps. Known as Medigap coverage, this supplemental insurance has been standardizes across the companies, so that the coverage is almost identical no matter which provider you choose. Although the coverage is standardized, the prices are not regulated, so the main thing that you’ll want to compare is price. Make sure you ask for Medigap insurance quotes Texas from at least three companies before you make your decision.
Posted by: Cameron Kirchoff AT 01:29 pm   |  Permalink   |  Email
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