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.