Medicare Parts A & B
Plans in Texas
Choosing the best Medicare supplemental plan can seem confusing. We make it simple to choose a Texas Medicare plan.
Medicare covers most basic healthcare needs, including doctor and hospital visits, laboratory tests, and x-rays. If you have Medicare Part A or Part B, you can use any facility or physician in Texas or the U.S. that accepts Medicare.
However, Original Medicare doesn’t cover prescription drugs or dental services. In many cases, supplemental insurance plans are needed to help cover deductibles or copayments that Medicare Part A or Part B doesn’t.
We’re here to help you explore your options, choose the best Medicare Supplement, Part D, Medigap, or Medicare Advantage plan for your situation, and get you enrolled quickly. You can start by going talking to a specialist by phone or filling out the online form.
With Southern Plains Insurance Group, finding the right Medicare coverage and benefit options is easy.
- Get clear answers to all of your questions.
- Compare premiums and benefits before making a decision.
- Get personalized recommendations from our experts.
Medicare Part C
Medicare Advantage Plans in Texas
Medicare Advantage, or Medicare Part C, lets you simplify your life with a more comprehensive plan than Original Medicare. These plans may include extra benefits for eye care, prescription drugs, and dental and hearing health.
What is
Medicare Advantage?
Medicare Advantage plans (MA plans) are available for those who want all-in-one coverage that’s not available through Original Medicare. Private insurers in Texas and throughout the U.S. contract with the federal government to offer Medicare Part C plans as an alternative to Medicare Part A and Part B.
Find out if a Medicare Advantage plan is right for you. Speak with a Southern Plains Insurance Group specialist to get a personalized quote today.
Features
- The amount you pay for covered services each year is limited.
- You may be able to get dental, hearing and vision care coverage.
- Your monthly premiums could be lower than Original Medicare.
Coverage
- Covers the same medically necessary services as Medicare Part A and B.
- Most plans include prescription drug coverage through Medicare Part D.
- May include additional benefits that aren’t available with Original Medicare.
Medicare Supplement Insurance
Medigap Policies in Texas
If you have Medicare Part A or Part B, you may have to pay out of pocket for part of your covered healthcare services. A Medicare Medigap policy can help pay for costs not covered by Original Medicare.
What is
Medicare Supplement Insurance?
A Medicare Supplement Insurance policy, or Medigap, is used to pay for the difference or “gaps” between your Original Medicare benefits and your healthcare costs. This could include copayments, deductibles and coinsurance payments.
Rather than paying out of pocket for the healthcare costs not covered by your Medicare benefits, you could use a Medicare Supplement policy for additional payment.
Find out if you’re eligible to enroll in a Medicare Medigap plan. Speak with a Southern Plains Insurance Group specialist today to learn about the different plan types available to you and request a free quote.
Note: Original Medicare doesn’t include dental and vision care coverage, so we recommend purchasing a separate dental and vision policy for this.
Features
- Medicare Supplement Insurance is sold by private insurance companies
- Medigap helps fill in the gap between the insured’s healthcare costs and Original Medicare benefits
Coverage
- Payments can be used for coinsurance, deductibles and copayments
- Unlike Medicare Parts A and B, Medigap coverage may be available during travel outside the U.S.
Medicare Part D
Prescription Drug Plans in Texas
Concerned about the rising costs of prescription medications?
If you’re eligible for Medicare, the prescription drug benefits available through Original Medicare may not be enough.
The specialists at Southern Plains Insurance Group in Texas will help you determine if you need a Medicare Part D plan for additional prescription drug coverage.
What Is
Medicare Part D?
Medicare Part D is a Medicare plan that helps pay for prescription medications. While it’s true that Medicare Part A and Part B offer some coverage, it’s typically not enough to cover prescription drug costs.
Medicare Part D
Features & Coverage
- Policy is independent of Original Medicare, so you can have both.
- Premiums for Medicare Part D are paid separately from your Medicare Part A or B plan.
- Benefits and prices for Medicare Part D vary greatly.
Speak with a specialist today for a free quote for Medicare Part D with the coverage you need.
| PLAN G | PLAN N | HIGH DEDUCTIBLE PLAN G | |
| Medicare Part A Coinsurance & Hospital Coverage | X | X | X |
| Medicare Part B Coinsurance | X | X | X |
| Blood Transfusion | X | X | X |
| Medicare Part A Hospice Care | X | X | X |
| Skilled Nursing | X | X | X |
| Medicare Part A Deductible | X | X | X |
| Medicare Part B Deductible | |||
| Medicare Part B Excess | X | X | |
| Foreign Travel | X | X | X |
| Out-of-Pocket Max | Part B Deductible | Part B Deductible Office Call Co-Pay ER Co-Pay | $2370 |