Golden Plan Choice is one of the best health insurance agencies, with over 15 years of experience in the insurance industry. Our team has the knowledge and expertise to guide you on which health insurance is right for you.
Health insurance is one of the smartest financial investments you can make. Although not required by Texas, health insurance comes with many benefits. With an insurance policy, you can safeguard your assets. Above all, you can also protect your family from financial difficulty in case of unexpected injury or illness, as well as medical emergencies.
Unfortunately, health insurance is costly and getting costlier in the U.S., with many Americans still uninsured. In 2009, the Affordable Care Act was signed, lowering insurance costs across the board. It also banned insurance companies from denying people with pre-existing conditions coverage. The Affordable Care Act has greatly eased the financial burden of health insurance and get millions more covered.
Even so, the health insurance marketplace is vast with different options, plans, and insurance gaps. Not everyone knows what they need to know regarding health and medical insurance. Without correct information, making an informed decision can be tricky, if not impossible.
Fortunately, Golden Plan Choice is here to help. We guarantee that no matter your financial or health situation, Golden Plan Choice can find a plan that is right for you and your family. We understand that every individual and every family is different, and so will your insurance plan.
Who We Are
Golden Plan Choice is a health insurance company based in Texas, proudly serving Texan communities for over 15 years. We have offices scattered from Laredo to Houston, committed to helping working-class Americans get the coverage they need.
Whether you’re a senior or a parent with young children, we provide our services to people of all ages. Our goal is to help you and your family be protected in uncertain times.
Golden Plan Choice is committed to giving you peace of mind in your healthcare decisions. Learn more about our services, and especially our El Paso, TX medigap insurance policies, today!
Golden Plan Choice offers a wide variety of coverage options and plans. Depending on your personal situation, the size of your family, your employment, and other factors, you could be eligible for some or all plans.
We offer individual and family insurance, as well federal programs such as Medicare and the Affordable Care Act. If you are over 65, you are eligible for Medicare and other government-run programs. We also offer additional health services such as life insurance, group insurance, dental and vision, and final expenses or funeral insurance.
Medicare is a federal health insurance program for people 65 and over. Younger people who meet specific criteria can also be eligible. When you turn 65, you are automatically enrolled. (This is only, however, if you currently receive benefits from the SSA or Social Security Administration). You will receive a mail sign-up three months prior to your 65th birthday.
Medicare is split into three parts: Parts A, B, and D. Part A are also known as Hospital Insurance, which covers hospice care, inpatient hospital stay, and some home health care services.
Part B covers medical insurance, including services provided by doctors, outpatient care, and preventive services. Part B also covers medical supplies.
Part D offers coverage for prescription drugs, as well as any shots or vaccines recommended by your healthcare professional. Depending on the cost of these drugs your health plan, the entirety of the cost may not be covered.
All Medicare plans must include all the services of Medicare Part A and B (rules, costs, and restrictions can still vary). This is also called Original Medicare. However, not all plans are covered by Original Medicare, which is why Medicare Advantage and Medicare Supplement are offered.
Medicare Advantage is also known as Medicare Part C. It is a bundled plan that includes Part A, B, and some parts of D. People under 65 with disabilities can qualify for Medicare Advantage. People with End-Stage Renal Disease, or ESRD, and who are under 65 are also eligible for the plan.
Medicare Advantage plans typically include routine dental and vision check-ups, as well as hearing care and aids. Not only that, but preventive care in the form of gym memberships and wellness programs are covered as well. If you require mobility assistance, Medicare Advantage can also provide for home modification. This can include meal deliveries, non-emergency transportation, and even grab bars in your bathroom.
If you’re already on Original Medicare, you may qualify for Medicare Supplement. This is also called a “medigap” insurance, meant to cover the gaps in Original Medicare. Medicare Supplement helps will cover all the services or care Original Medicare doesn’t cover.
A Medicare Supplement plan usually provides prescription drug coverage, as well as helps save money on copayments and coinsurance. Medicare Supplement also provides coverage when you travel abroad. As long as you don’t wait more than 60 days after your arrival, you can get coverage on any emergency care you need.
Another good advantage of medigap plans is that you can never be kicked off! Insurance companies legally cannot drop you for any reason so long as you continue to pay your premiums.
Golden Plan Choice also offers group insurance, life insurance, final expenses and funeral insurance.
Group insurance is a health plan that provides coverage to a group, usually company employees or members of an organization. If you are an owner of a business, you may wish to boost employee retention and loyalty by offering group insurance.
Life insurance is meant to help people protect their family’s finances in case of an unexpected death. There are two types of life insurance: Permanent and Term Life.
Term life insurance policies can provide coverage for 10, 15, and 20 years, and even more. Permanent life insurance offers lifelong protection. This typically has a higher premium than term life insurance. The types of life insurance best for you will depend on your family situation.
Life insurance also comes with final expenses and funeral insurance, usually for terminally ill people or people with chronic conditions. Final expense insurance is a kind of permanent life insurance that covers medical expenses, funeral costs, and anything left behind by the deceased.
Get Your El Paso, TX Medigap with Golden Plan Choice!
No matter the financial or health situation, Golden Plan Choice is here to provide you with the information you need to make informed decisions on your health care. We are proud to serve our Texan communities.
So what are you waiting for? Trust Golden Plan Choice for your El Paso TX, medigap insurance!
- It is known as the boot capital of the world.
- The first Thanksgiving took place in El Paso in the year 1598!
- El Paso is home to one of 13 Holocaust museums in the U.S.