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I know what I want "We have decided on a Medicare Supplement Insurance plan that meets our needs and budget" Quote now Medigap.	I'm turning 65 soon   "I need help understanding how Texas Medicare Insurance plans work" Quote now Medigap.	We'll guide you to find the RIGHT Texas Medicare Insurance! We make this process very simple. Medicare Supplements take care of your out-of-pocket expenses no more worries about deductibles and co-pays on many plans!
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We make this process very simple.  It is our desire as the experts to guide you and give you the tools to select the best Medicare Supplemental insurance in Texas that is right for you.  We want to help make this an easy transition for you when you join Medicare in Texas.

Finding the right support is a difficult and important decision.  Our hope is that this website can serve as a resource to help you make an informed, confident insurance choice.  We have many Texas Medicare benefits with numerous Texas Medicare carriers offering unsurpassed Texas Medicare coverage!  Texas Medicare health choices are rich in benefits with countless Texas Medicare Supplement insurance companies to review.  We look forward to working with you in making this selection easy.

Whether you are just starting the journey exploring options or just looking for the best Texas Medicare rates for the plan you already have please contact us so we can help.

DID YOU KNOW? 2010 Modernized Medicare Supplement Plans (Effective June. 2010) There will be 11 Medicare supplement plans to select from: A, B, C, D, F, high-deductible F, G, K, L, M and N.  The Medicare supplement plans being eliminated are E, H, I, and J.  Medicare is adding M and N to Medicare supplements insurance plans that will include higher cost sharing but at lower premiums.  Some of the policy changes are Plan G policies will have 100% coverage for excess charges instead of 80%; Hospice will be part of the basic benefits and will be included on all Medicare supplements, Also, benefits that will no longer be included on Medigap policies are At-home recovery and preventative care.   Background * The Medicare Prescription Drug Improvement and Modernization Act of 2003 (MMA) included language to encourage the National Association of Insurance Commissioners (NAIC) to modernize the Medigap market.  * The NAIC decided to review the Medigap plans to determine if there were changes that could be made to the benefit packages in response to changes in the marketplace since standardization (1990). 2010 Revisions to Medigap Plans- changes to benefits: * At-Home Recovery Benefit eliminated * Preventive Care Benefit eliminated * A 100% Part B Excess Charges Benefit replaces the 80% benefit for Plan G * A new Hospice Benefit as part of Basic Core was created New Hospice Benefit: Medicare offers a hospice benefit with a drug co-pay and inpatient respite care coinsurance. The 2010 modernized plans will now cover the expenses below as a core benefit: * $5 co-pay for outpatient prescription drugs for pain and symptom management * 5% of the Medicare-approved amount for inpatient respite care (short-term care given by another caregiver so the usual caregiver can rest). Does not include room and board  New Plan Options: * Plan M – offers increased cost-sharing (50% of the Part A Deductible, no coverage for Part B Deductible) * Plan N – offers new co-pay structure ($20 co-pay for physician visits, $50 co-pay for ER) and no coverage for Part B Deductible   Summary: * Overall = Reduces number of plans from 14 to 11. * Plans E, H, I, and J are no longer offered due to duplicity as a result of benefit changes * Eliminates outdated and underutilized benefits * Adds new plans that feature higher cost sharing and lower anticipated premiums for policyholders. TELL ME MORE....     I need Dental    Pre-Existing Conditions are Covered No Waiting Periods No Dollar Limits NO CHARGE- 2 Routine Cleanings per year NO CHARGE- some Fillings NO CHARGE- X-RAYS

LEADING THE NEWS >>>>   BLOG   Health Care Reform Overview and Q&A As you know, President Obama signed into law H.R. 3590, the Patient Protection and Affordable Care Act. There's no doubt that the health care reform legislation will change things for all of us. The legislation has far-reaching implications which will be phased in during a multi-year implementation period beginning in the coming months. How will enrollment periods be affected? What are some of the key changes that will take effect in the near-term? Medicare Advantage program payments reduced What are some of the key changes that will take effect in the long-term? Health Reform GOV Announcements Info to help seniors, families & small business   Health Reform for American Seniors  Seniors control their own health care Democratic Lawmakers Seek To Reassure Physicians About Medicare Payment Fix. The Hill (5/20, Pecquet) reports, "House Democrats are seeking to assuage doctors worried about looming cuts to Medicare rates. The effort comes one day after the American Medical Association declared its opposition to a proposed five-year fix to the payment system, which it said only serves to kick the problem down the road." On Wednesday, "Democrats... CQ Today (5/20, Rubin, subscription required) points out that even if the Senate were to pass the measure, "the overall deal must be sold to the Democratic majorities in both chambers, many of whom are increasingly wary this campaign season about voting for a measure that would increase the deficit by as much as $170 billion."  Roll Call (5/20, Roth, subscription required) reports, "American Medical Association officials as well as lobbyists from doctors groups were summoned to a meeting in Speaker Nancy Pelosi's office... Check here for the 2010 Medicare and You Booklet