Trying to Understanding Medicare?

Since Medicare was signed into law in 1965, there have been numerous changes to the plan. Medicare now has four different parts titled Part A, Part B, Part C and Part D. To many seniors and their families it can be quite a process to try and understand each Part, how they work, and if/what coverage is actually needed. No worries, here at Texas Healthcare Specialists, this is what we do... we take the confusion out of Medicare to help you understand and find the right coverage for you.

Part A covers the details of expenses associated with hospitalization and its costs are paid by taxes collected throughout the working career. Part B deals with services provided at outpatient clinics and physician's offices. Seniors must first enroll in Part B to take advantage of the program, and there is a monthly fee for the benefits. Part C, also referred to as Medicare Advantage, is a separate choice for seniors other than a Medigap insurance plan. Part D is the newest letter to the Medicare law and it deals primarily with providing prescription coverage for seniors.

Most seniors who are enrolled in Medicare will want to also purchase a Medicare supplement insurance plan. Insurance companies add to the Medicare alphabet by labeling the supplements Plans A through N. Just remeber these are Plans to supplement Medicare, not Parts of Medicare. Each Medicare supplement plan comes with different levels of benefits and different premiums. At Texas Healthcare Specialists, Inc., we want to make sure that our Texas seniors get the Medicare coverage they need at the price they can afford. Our agents will help explain what your potential out-of- pocket expenses will be with each plan. We offer products from the top-rated insurance companies in Texas, so we are able to find the quality plan that will work for your health and your pocketbook. Feel free to contact an agent today at (512) 868-4469 or complete our Texas Medicare Supplement Quote Form to receive rates from insurance carriers in your area.