Medicare supplement in texas?

Question

Im will be 65 shortly and im trying to find a medicare supplement, and I have narrowed it down to aarp, mutal of omaha and secure harizon how do yall fell about these? Do you have any advice?

Answer 1

If you are looking at the standard MED SUPP plan designs, there is no difference. They were designed to be that way. Look at the prices and decide which one is best priced. Make sure you are comparing Plan D to Plan D, or Plan F to Plan F. The benefits will match.

If you're comparing a managed care plan to one of these standard plans, there will be a big difference. Make sure that you understand fully the requirements to being involved in a managed care plan, like network of doctors available to you, as well as out-of-pocket expenses you will be responsible for.

Answer 2

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Answer 3

There is also United American. They are all the same except for the price. I would rather have an HMO for no premium. They are starting to drop the need for referrals. Medicare is endorsing some new plans called Medicare Advantage PFFS (private fee for service). It has the same benefits of an HMO without referrals and it uses the entire Medicare network of providers. And no, it doesn't have a plan premium. In fact, in some areas, seniors using these plans can see their SS check rise by $93.50. I really don't see the neccesity of paying for a supplement and I am an insurance agent.

Answer 4

I work in insurance, specifically with Medicare recipients and I live in Tx... I see most folks using the AARP option.
I have heard lots of bad things about Secure Horizions.. And M.O.O. has been a personal hassle for me in the past. Tried & true, and been around forever, I think AARP is a good choice in Texas. In other states, there are other options that don't apply here, that I would advise of instead.... But, the AARP plan works well here. Good luck!!!

Answer 5

Happy birthday!

Medicare questions can be confusing! Getting the best supplemental coverage and/or a a Medicare Part D plan, for example, depends on several factors, including what kinds of prescription drugs you take, what kind of plan you are willing to accept, and whether the plan you want will pay for the specific prescription drugs you need. Supplemental plans and options available vary in each state.

Please consider calling your local Area Agency on Aging--these groups are one of the best kept secrets around for older Americans and their families who are seeking information on Medicare and other kinds of consumer questions. There is one where you live, since this is a national network--and they aren't selling anything! The staff there will visit with you and guide you to information you need to answer your question. Since they talk with seniors every day--and answer lots of questions--they will know the "scoop" on the supplemental plans available where you live. They will be able to help you compare the pros and the cons of the plans you have identified as options and suggest other information to check out before you "sign on the dotted line."

You can call toll-free 1-800-677-1116 to find how to contact the Area Agency serving you.

If you do contact your local Area Agency on Aging and like the help that they give you, let your local county officials and your folks in Congress know, too. Area Agencies on Aging don't have big budgets--their funding comes from the Older Americans Act. Your voluntary financial contribution of any amount--which is not required to get the help you need to answer this question--would certainly be appreciated.

Hope this helps! Good luck and best wishes!

Answer 6

I would advise two things. Go to medicare.gov website and scroll down to compare health plans. It will tell you what Medicare supplements and Medicare advantage plans are available in your area. Personally I like the Medicare Advantage plans. They are much cheaper than the med supp and work like a group health plan with deductibles and co-pays. Once you find out what is available, call your primary doctor and ask for the billing clerk. Ask them which plans they take and which ones give the best service. With Medicare Advantage, get the PFFS and make sure your doctor takes it. The doctor's office usually knows best about which plans to advise you to stay away from. Hope this helps.