Medicare Supplements Insurance Cypress, TX
The market can be difficult to navigate when it comes to Medicare supplements insurance in Cypress, TX. There are a lot of Medicare supplement plans and a lot of supplemental insurance companies looking to through Medicare supplement advisors at you in order to make a quick buck. Texas Wealth Advisers is here to make sure you don’t get overwhelmed with options and assure that you choose the plan that is best for you. There are many different facets to be aware of when you are deciding between Medicare supplement plans.
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Medicare Supplement Plans
Let’s start with some basics. First of all, Medicare supplements insurance can also be known as Medigap. A Medigap policy is health insurance sold by private insurance companies to fill “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse. You should also be advised that Medicare supplements insurance plans do not cover the following needs:
- Long-term care
- Prescription drugs
- Routine vision care
- Private-duty nursing
- Routine dental care
Supplemental Insurance Companies
When you are looking to sign up for Medicare Supplement plans to get insurance, you need to make sure you are enrolled in Original Medicare. Without being enrolled in Original Medicare, you will not be eligible for Medigap coverage. Medigap plans will not give you what most supplemental insurance companies consider “stand-alone benefits”. There are also stipulations that Supplemental insurance companies will need to help you stay aware of. For instance, you need to continue to be enrolled in Original Medicare so your hospital and medical needs stay covered. Do you think you already have a Medicare Supplement Plan in Cypress, TX? When you go to find supplemental insurance companies, it’s best to know exactly what you have, and that they differ from Medicare Supplement plans.
Here is a brief list of what other insurances may be confused with Medicare Supplement plans:
- Long-term care insurance policies
- Employer or Union sponsored group coverage
- Medicare Prescription Drug plans (aka – Part D)
- Veteran’s benefits
- Medicare Advantage plans (like HMP or PPO)
Medicare Supplement Advisors
For the most part, Medicare Supplement Advisors are a dime a dozen and usually cycle through clients quickly in order to make the most profit. That means you’re just a number to them. When you align yourself with Texas Wealth Advisers, you’re aligning with local area Medicare Supplement Advisors who actually care about you. Texas Wealth Advisors is unbiased, and more importantly, helpful! We can make sure that you not only get the best Medicare Supplements plan but that you also leave with a confident knowledge base about Medicare supplements insurance in Cypress, TX .
We service the following areas and beyond:
- Katy, TX
- Brookshire, TX
- Fulshear, TX
- Cinco Ranch, TX
- Victoria, TX
- Sugarland, TX
- Cypress, TX