Medicare Supplemental in Texas
If you have frequent hospital or doctor visits, you know that Medicare part A and Part B does not cover everything. This makes it wise to have Medicare Supplement Insurance. Medicare Supplement Insurance fills in the gaps in basic Medicare plan A and plan B such as co-payments, deductibles, and coinsurance. At Insurance Over Texas at Houston, TX, we offer Medicare Supplement Insurance. We are a respected independent insurance agency in Houston with great knowledge of the needs of the locals.
Medicare Supplement plans can pay for a few services that are not covered by original Medicare such as Part B excess charges, or overseas emergency travel.
How does Medicare Supplement Insurance work?
To be eligible for Medicare Supplement Insurance, you have to be enrolled in Original Medicare. Depending on the state you live in, you may not qualify for Medicare Supplement Insurance if you are below 65 years.
What does a Medicare Supplement plan cover?
There are different Medicare Supplement Insurance plans available in different states. However, a basic Medicare Supplement plan covers.
- A Medicare Supplement plan covers the following:
- Blood (first 3 pints)
- Medicare Part A coinsurance and hospital costs
- Medicare Part B coinsurance or copayment
Some can also cover:
- Foreign travel emergency
- Medicare plan A deductible
- Skilled nursing facility care coinsurance
- Medicare plan B excess charges
- Medicare Plan B deductible
Medicare Supplement Insurance has some exclusions. It does not cover the following:
- Prescription drugs
- Long-term care
- Hearing aids
- Private-duty nursing
- Routine vision or dental care
Medicare Supplement Insurance offers coverage to a single person. If you are married, you and your spouse will have to purchase separate policies. If you are wondering what plan of Medicare Supplement Insurance you need, call or visit us at Insurance Over Texas at Houston, TX and our agents will help you get a policy. We will help you understand different Medicare Supplement Insurance plans to help you acquire one that meets your needs.