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Medicare Supplement Plans in Texas | 844-528-8688
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Medicare Supplement Plans in Texas
The best way to make certain that you are getting the best rate on Medicare Supplement Plans in Texas is to call the Medicare Solutions Team 844-528-8688. We are independent insurance professionals that represent all of the Medicare Supplement Plans in TX and will help you select the Medicare Supplement plan that delivers the most benefit for your premium dollar.
Some things that can affect the pricing of a Medicare supplement plan in Texas:
1. Household discount
2. Spousal discount
3. Tobacco usage (Texas allows for an up charge during your open enrollment period)
Texas Medigap insurers offer the standardized Medicare Supplement plans that have been approved by Medicare. This means that each Medicare Supplement insurer must offer the benefits selected by Medicare as a minimum.
Although Original Medicare provides comprehensive insurance coverage, there are gaps in the Part A and Part B coverage that must be paid out-of-pocket. By having a Medicare Supplement Plan (Medigap), you can reduce or eliminate these out-of-pocket expenses and be assured that you have complete health insurance coverage.
The Top 3 Medicare Supplement Plans in Texas
Insurers in Texas report that the top 3 Medicare Supplement plans are Plan F, G, and N because these plans offer the most comprehensive coverage for the premiums charged. Here are the coverage that each plan provides.
Medicare Supplement Plan F
Plan F fills all the gaps found in Original Medicare Part A and Part B except for prescription drug coverage which is a stand-alone coverage plan D.
Medicare Supplement Plan G
The Texas Medicare Supplement Plan G covers the same gaps that Plan F covers except Plan G does not cover the Medicare Part B deductible and is therefore priced lower than Plan F. Since the Medicare Part B deductible is only $185, the North Carolina plan G may be the best deal depending on your health circumstances.
Medicare Supplement Plan N
The Texas Medicare Supplement Plan N provides a little less coverage than Plan F or Plan G but comes in at a much lower monthly premium, making it the cheapest Medicare supplement plan in Texas. With the Texas Supplement Plan N, the policyholders are responsible for a $20 copay for doctor visits and a $50 copay for the ER. Plan N also does not cover the Medicare Part B deductible of $185 and does not cover any Medicare Part B excess charges which are allowed in Texas.
Shopping for the best Medicare Supplement Plans in Texas can be confusing since there are currently ten plans to choose from. This is why we encourage you to contact the Medicare Solutions Team so we can thoroughly explain all of the options available to you.
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