2017 Latest edition
Here's what our Senior Texans are saying

How we help you

By partnering with our clients, we can help protect them from possible misfortunes along life’s path. Our driving purpose is to support clients to navigate a successful course for a more secure future.

  • What we do...

  • How we do it...

  • What does this mean for you...

I'm new to Medicare

The basics of Medicare can be simple, once you understand how it covers you. Medicare is for people age 65 and older and those who have a special condition or disability. If you are considering Medicare, you need to read this.


Your Rights with a Medicare Supplement Plan

Learn more about these topics:

  • Open Enrollment for Senior Texans, Age 65 and Older
  • Open Enrollment for Texans with Disabilities
  • Guaranteed Issue Right

Our Pledge to you

We give you a choice.
We give you security.
We offer affordable options.
We make it convenient for you.
We never share your information.
We offer superior customer service.

 Testimonials
   This is not a paid endorsement

  • Thanks Susan!! We have really enjoyed the service from United of
    Omaha. I have given your name to some other folks too.  Claudia and Dean

  • You're honest, good at what you do, and take care of my people.
    I'll keep the referrals coming. I truly appreciate you.  Eric

  • Thank you Susan. I really appreciate your personal attention to these
    matters. It makes a real difference to me and my family. Best regards,
    Curt  V.P., Research & Design

  • Susan, I am going to defer to you when I need expert information on health insurance products. We sincerely appreciate your responsiveness and countless hours you spent in guiding our family from health insurance group coverage to COBRA coverage to individual health plan. We will be more than glad to recommend your company (insurancedfw.com) to our friends because of our satisfaction with your service.  Thank you, Venkat                                                    

SENIOR TEXANS

     Here's what our clients are saying

Popular Plan F versus Plan G plans

Probably the most popular Texas Medicare Supplement Insurance plan has been Plan F. Most people choose Plan F because it covers the Medicare approved deductibles and the coinsurance expense. Another popular plan is Plan G. The main difference between the two plans is that Plan G doesn't cover the Medicare Part B deductible like Plan F does. Plan G generally has a lower premium than Plan F, which usually offsets the Part B deductible cost.

It's important to have a Medicare Supplement Insurance plan.
Don't get caught short. The original Medicare program is designed to provide health benefits, but it doesn't cover the total cost of health care, or leaves gaps in coverage such as deductibles and coinsurance, like for hospitalization, doctor visits and other medical services.

We'll help you every step of the way

Our mission is to provide you with a high-quality senior health insurance plan that’s affordable and simple to join. Whether you're new to Medigap or you've been enrolled for a while, you may need to review what your options are. We know choosing insurance can be overwhelming with too many options to consider. That’s why you need an agent you can trust to review your plan options and cost, to simplify the process. Since 1999, we've been the trusted advisor for many seniors. Our goal is to help you build a secure plan, Where You Come First.

Choose the right plan to fit your needs

Compare benefits and cost to select a plan with confidence

Finding the right plan for me

Your health care needs may not be the same as your family members or friends. It's good to educate yourself on the different Texas Medicare Supplement (Medigap) plans. 

These plans offer a SELECTION to choose from to meet your needs, the OPTION to see a variety of providers that accepts Medicare patients, and the SECURITY to have coverage throughout the U.S.

With us, you have many options to select from top rated insurance companies. To find out more about Medicare coverage guidelines and Texas Medigap Plans, please contact us.

Welcome

We're glad you're here!

Keep informed with Medicare

Every year Medicare updates materials to inform you on the latest benefits, changes and topics.

Learn More and Quote

Q&A

Now, we're sure that you have many questions. Let's get started.

  • What is Medicare?
    Medicare is a federal health insurance program that provides benefits to eligible people who are aged 65 and older, certain younger people who have a qualifying disability or illness, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Medicare is administered by the Centers for Medicare & Medicaid Services (CMS). People are enrolled in Medicare through the Social Security Administration and they also collect Medicare premiums.

  • What does Centers for Medicare & Medicaid Services (CMS) do?

    The federal agency that runs the Medicare, Medicaid, and Children's Health Insurance Programs, and the federally facilitated Marketplace.

  • When can I enroll in Original Medicare?

    There are several times when you can enroll in Medicare. The first time when you can sign up for Medicare is called the Initial Enrollment Period (IEP). You may join Medicare Parts A, B, C and D during this time. Your coverage will start no sooner than your birthday month.

    Here’s how it works - You have a seven month Initial Enrollment Period: 
         three months before your 65th birthday, the month of your birthday and three months after your birthday.

  • Am I automatically enrolled in Original Medicare?

 You are automatically enrolled in Original Medicare Part A and/or Part B, if you are turning 65 years old and already getting Social  Security or Railroad Retirement Benefits (RRB) benefits or will start collecting retirement at age 65.
 You will need to sign up for Medicare Part B at the time that you apply for retirement benefits, and Medicare Part A enrollment  occurs automatically if you are eligible for Social Security retirement.

  • Do I need to sign up for Medicare?
    If you aren't receiving Social Security or RRB benefits when you turn 65, you will have to sign up for Medicare A and/or Part B during your Initial Enrollment Period (IEP). 
  • Do I have to pay for Medicare Part A and/or Part B?
    Most people don’t pay a premium for Part A, if they have paid Medicare taxes and worked at least 40 quarters (10 years). Medicare Part B has a monthly premium. People that are still covered under an employer group plan or different plan may choose to delay enrollment in Part B.
  • When does Medicare coverage begin?
    If you sign up for Medicare Part A and/or Part B during your initial enrollment, the start of your coverage will depend on which month of IEP you signed up. As an example, if you sign up one to three months before you turn 65 years old, then your Medicare coverage starts generally the month you turn 65 years old. 
  • What is a Medicare Benefit period?

    This is the way that Original Medicare measures your use of hospital and skilled nursing facility (SNF) services. A benefit period begins the day you're admitted as an inpatient in a hospital or SNF. The benefit period ends when you haven't gotten any inpatient hospital care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after one benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods.

  • What is a Medicare deductible?

    The amount you must pay for health care or prescriptions before Original Medicare, your prescription drug plan, or your other insurance begins to pay.

  • What is a Medicare Coinsurance?

    An amount you may be required to pay as your share of the cost for services after you pay any deductibles. Coinsurance is usually a percentage (for example, 20%).

  • What is a Medicare Supplement Insurance (Medigap)?
    It's also referred to as a Medigap policy, as it fill "gaps" in Original Medicare coverage. It can help pay some of the Medicare approved health care costs that Original Medicare doesn't cover (deductibles, coinsurance and copayments). Medicare Supplement Insurance policies are purchased through private insurance companies.

  • When can I buy Medicare Supplement Insurance?

    The best time to buy a Medigap policy is when you're first eligible. If you apply for Medigap coverage after your open enrollment period, the insurance company will have you to through their medical underwriting requirements. There isn’t a guarantee you will be approved, unless your eligibility is based on a special situation.

  • Do Medicare Supplement policies (Medigap) cover everything?

    No. Medigap policies don’t cover costs that are not approved by Medicare. Medigap does not generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.