Medigap Plans in Texas – How Medigap Plans Work
Medigap plans in Texas offer insurance coverage that fills in the gaps in Medicare coverage. Medigap plans are only available to Medicare beneficiaries who use plans A and B. Those who use Medicare plan C, also known as Medicare Advantage, cannot take advantage of Medigap plans. In Texas, Medicare coverage spends an average of $11,479 per enrollee. Of this, about $5,051 is spent on hospital care, and $2,606 is spent on physician's services. The remainder is divided between home health care, nursing home care, prescription medications, and other medical costs. While Medicare saves beneficiaries a significant sum of money, it doesn't cover everything.
It's important to understand where the gaps in your Medicare coverage lie so you can obtain the appropriate Medigap plans in Texas to fill in for them. There are many different options for Medigap plans which will cover everything from copayments with Medicare Plan A or B to foreign travel emergencies. Obviously some types of coverage are more relevant for one family than for another, as every ones needs can be different.
Where there are many different types of Medigap plans in Texas that will cover your expenses, there are also several plans that are not appropriate for Medigap coverage. Employer benefits plans, such as the Federal Employees Health Benefits Program, are not a type of Medigap coverage, nor are Indian Health Service plans, Veteran's benefits, TRICARE, or Medicaid. Medicare Plan D is a type of prescription drug coverage designed to work in conjunction with Medicare Plan A and B; however, this coverage is not a Medigap plan and does not take care of expenses that your other Medicare plans don't cover.
When you're shopping Medigap plans in Texas, it can be very useful to have the help of a professional insurance agency… like us! We can provide you with a range of quotes and various plans to choose from. Working with a knowledgeable agent can help you to navigate the complex world of Medicare supplement Plans A-N successfully. Your health is important and proper coverage can save you from major expenses down the road. Our services offer assistance free of charge and with no obligation to buy. This allows you to take the time you need to consider the options and choose the best plan for you. Contact an agent today at (512) 868-4469.