Medicare Advantage Plans Texas

Medicare Advantage is very similar across the United States, but there are some differences that are unique to each state. We want to tell you about how Medicare Advantage plans Texas is offering might be different from what you know about these plans elsewhere. Even if you are not familiar with Medicare Advantage, this can be a great source of information to catch you up to speed and to help you understand if this might be the right kind of medical insurance for you.

Medicare Advantage in Texas Can Give You Prescription Drug Coverage

One of the best things about Medicare Advantage plans is how they cover medications so well. Anyone who has a few different mediations they need to have filled throughout the year knows how expensive those can become. Some of them can even be hundreds of dollars, and the Medicare Part D coverage provided by most Medicare Advantage plans in the state of Texas will cover those drug costs either partially or completely.

Medicare Part D is not required to be included in every Advantage plan in Texas, but most of them include it anyway. Make sure you check to see if it is part of the Advantage plan you are considering enrolling in. Medicare Part D is a powerful drug plan that covers both generic and name brand drugs, though it offers a lot more coverage for generic drugs. It can also cover those common medications that many seniors need as well as the rarer and more expensive ones. Common, relatively cheap drugs will be covered better by Medicare Advantage and Medicare Part D.

In many cases, Medicare Part D can cover you for drugs at the cost of $1 per prescription. So, when you go to refill your medication, you may only pay a few dollars to have multiple prescriptions filled, which can save you hundreds of dollars a year. Medicare Part D is not a standardized plan, meaning that each insurance company that sells it will have a slightly different version, so make sure the one you are enrolling in covers the kinds of drugs that are relevant to you.

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Medicare Advantage Plans Texas

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How to Enroll in Texas Medicare Advantage Plans

Anyone looking to sign up for one of these plans will want to know what the enrollment process is and what the eligibility requirements are. One of the simplest ways to understand how you can access Medicare Advantage plans is to say that if you have a basic Medicare plan (known as Original Medicare), then you can get a Medicare Advantage plan to both complement it and replace it. Medicare Advantage plans are open and available to anyone who has a valid Original Medicare plan. Once you are 65, you can enroll in an Advantage plan, but you won’t be able to get any coverage from it unless you have an Original Medicare plan as well.

You also won’t be able to have any conflicting healthcare insurance. You cannot be enrolled in a Medicare Supplement plan (or Medigap) at the same time. The two kinds of healthcare insurance plans overlap and conflict with one another. Which other kinds of healthcare plans will overlap? Those that are from unions or from your employer will probably overlap, in many cases. You will have to choose whether you want one of those plans or you want the Medicare Advantage plan. You likely won’t be able to keep both of them.

The best time to apply for a Medicare Advantage plan is around your 65th birthday. This is when you first achieve eligibility unless you have disability. Those who are eligible for Social Security Disability can apply early, and Texas is one of the states that allows for disability benefits. You can apply for Medicare Advantage as far as three months ahead of your 65th birthday. Then, you have until three months after your 65th birthday to apply as well. This is a lengthy window, but once it is gone, you will miss out on some nice benefits.

Applying at this time- which is called the Open Enrollment window- gives you access to two great benefits: guaranteed approval and guaranteed low rates. The first one means that you are guaranteed to be approved for any Medicare Advantage plan you apply for. The insurance company cannot turn down your request because of a preexisting medical condition. This applies to the second benefit as well. Your preexisting medical conditions cannot be factored into the cost of the plan, so you get the guaranteed best rates.

medicare advantage

Now, if you decide to apply at later date, then you will not get these two benefits. Your preexisting medical conditions will come into play, and they can keep you from getting the Advantage plan you want, and they can cause your rates to be higher than they might be for someone else. If you have any serious preexisting condition that would make you seem like a risk for an insurance company, then you definitely want to consider signing up during Open Enrollment.

If you wait, though, then you can always apply for a Medicare Advantage plan when annual enrollment comes around. This takes place from October 15th and will last until December 7th. During this time, you can apply for an Advantage plan, and, if approved, can receive coverage starting on January 1st.

Medicare Advantage Plans Texas

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Finding the Right Advantage Plan

We told you that only some Advantage plans have Medicare Part D coverage. There are other distinctions between the various Advantage plans that you should know about. You want to get a plan that is a good fit for you, and in order to do that, you will need to know what is available. Let’s talk about the different types of Medicare Advantage plans to help you make a smarter insurance coverage decision.

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The basic plan is what Medicare requires all insurance companies to sell. These are your standard Medicare Advantage plans for Texas that offer as little coverage as possible. That doesn’t mean it is a low coverage plan by any means, though. It actually manages to outdo Original Medicare with what it offers. The basic plan covers all of Medicare Part A benefits for you, except for the hospice care costs. Those will still be covered by an Original Medicare plan, which you have to have as a prerequisite. It also covers you for all Medicare Part B benefits, which includes doctor’s visits, emergency room care and even some medications.

The basic plan will also take care of any emergency medical care that you require, along with all urgently needed care. This can encompass a lot of medical services, and what they cover exactly will depend on the situation. For instance, ambulance care that is elective will not be covered, but if you have no choice but to be transported by ambulance, then that is considered emergency care and will be covered by the Advantage plan. What is considered urgently needed care will vary from one state to the next, so you may want to read up on Texas guidelines for this kind of coverage.

The Medicare Advantage plans that include Part D coverage may be called Medicare Advantage Part D or something similar. They include all the basic coverage we just told you about, as well as coverage for the entire Medicare Part D drug plan. One thing to keep in mind about these insurance plans is that if you have one, you cannot get a Part D plan separately. You would just be getting the same coverage twice, and that’s not allowed.

Some Medicare Advantage plans offer coverage for your routine checkups. Those annual visits to the dentist, optometrists, general practitioner or hearing specialist can be covered by your Medicare Advantage plan provider. You can get coverage here for routine services like x-rays, dental cleanings and some medical tests. Some of the more robust Medicare Advantage plans will cover you for multiple visits to some of these specialists, and they typically cover you for prescription eyeglasses and for hearing aids.

Medicare Advantage Plans Texas

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Finding the Right Insurance Company

If you want to save money, get good coverage, enjoy great benefits and experience great customer service, then you should make certain that you pick the right health insurance provider for your Advantage plan. Some insurers just offer more value with their plans or take better care of their customers, and we have listed a few of them below that we think really stand out as high quality insurance providers worth a look for any senior.

aetna

Aetna

Choosing Aetna means you get to enjoy a huge network of healthcare providers. They also have very competitive prices and some great customer-focused benefits that you can take advantage of. Aetna innovates with one of the best fitness programs in the industry, offering access to gyms around the country and giving its customers personalized healthy living plans.

humana

Humana

With Humana watching over your healthcare, you will be likely to live well, taking good care of yourself. They have a number of initiatives and services aimed at helping their customers to eat healthy and exercise regularly for their health. Humana works hard to ensure its customers stay fit and active so that they are low risk members and save the company some money.

aarp

AARP/United Healthcare

You may not have known that these two insurance companies joined forces recently. Their partnership allows their customers to access a vast number of healthcare providers throughout the country and enjoy a range of senior-focused services like concierge services, financial counselling and phone access to medical professionals 24 hours a day.

mutal of omaha

Mutual of Omaha

We also want to recommend that you consider Mutual of Omaha as a healthcare provider. They have a great customer service reputation, and they are focused on offering great value with their Advantage plans, as well as low prices for their customers and a solid lineup of medical insurance plans for their members to pick from.

You can find rates for these and more insurance companies here on our site. The insurers available for you to pick from could vary based on where you live. Keep in mind that if one insurance company rejects your application for Medicare Advantage, then another may accept you. Not all insurance companies have the same risk assessment of potential clients, and not all of them will factor in preexisting health conditions the same way. If you need some help figuring out which insurance company to go with, you can always give us a call and get some expert advice. We are happy to answer your questions as well and to ensure that you choose a plan that you are very happy with.

Getting Great Rates on Medicare Advantage

Is Medicare Advantage for Texas expensive? This is a question we get quite often, and seniors are wary about paying for a new health insurance plan when they are already paying so much for healthcare. However, Medicare Advantage plans are designed to be low-cost options that most seniors can benefit from. They are specially designed to target those medical expenses that are relevant to seniors, saving them money over having to pay for everything out of pocket.

Instead of wondering if you can afford a trip to the hospital or a visit to your doctor, you can rest easy and enjoy peace of mind knowing that your insurance company will be taking care of most of it for you. Advantage plans are so powerful that most seniors don’t pay very much overall for their healthcare once they have one of these plans protecting them. Most people pay very little out of pocket after the Advantage plan is done covering them.

You can find Advantage plans ranging in price from $0 to $300 a month, and if you want to save money and get a great deal, then use our site to compare prices. You can source quotes for Medicare Advantage plans Texas has to offer and see how insurers like Aetna, Humana and Mutual of Omaha compare. You can find a great, affordable plan this way and not pay anywhere near the average price for your coverage.

Medicare Advantage Plans Texas

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SPEAK WITH AN AGENT NOW!

1-877-517-4661

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