When you start looking into your Medicare options, you may also want to look into Pasadena TX supplemental insurance as well. Health insurance is a concern for everyone. Without insurance, you may end up paying for hefty medical bills out of your pocket. Luckily, the government has programs that offer health care coverage for those who need it.
One of those programs is Medicare. Medicare is a health insurance program that the government offers for people age 65 or older, people with disabilities, and people with End-Stage Renal Disease. It helps pay for doctors’ services, hospital care, and other medical expenses.
There are only a few conditions to qualify for the program. One of the conditions is that you need to be a legal resident or citizen for at least five years. You also need to have been paying Medicare taxes for at least ten years before you enroll. Once you satisfy both conditions, you can enroll in the program when it’s time.
However, sometimes what the program offers isn’t enough. That’s why insurance companies, like Golden Plan Choice, offer supplemental plans alongside the original Medicare plans. Call us today to learn more about what additional plans we have to give you the health coverage you need.
What is the Medicare Program?
Medicare is a health insurance program for people age 65 or older, people with disabilities, and people with End-Stage Renal Disease. In broad terms, it offers coverage for hospital visits and medical expenses. The program splits the provisions into three different parts: Part A, Part B, and Part D. Each one covers a different aspect of Medicare, and you can elect which Parts you want to include in your specific plan.
- Part A – Hospital Insurance
This portion of Medicare covers inpatient hospital care, skilled nursing facility care, hospice care, home health care, and other services. Unlike the other parts, Part A comes free to you when you enroll in Medicare. You don’t need to pay any additional fees to get coverage for your hospital visits.
- Part B – Medical Insurance
Part B of Medicare covers most of your other medical expenses. These expenses and services include doctors’ services, outpatient care, home health care, medical equipment (wheelchairs and walkers), and preventive services (screenings and vaccines). You’ll need to pay a monthly premium if you elect Part B as part of your plan.
- Part D – Drug Coverage
Unlike the other two parts, Original Medicare doesn’t offer Part D as part of its standard plans. You can find Part D plans through private insurance companies. This part covers the costs of prescription drugs, including recommended shots and vaccines.
Although the Medicare program offers a lot, it may not be enough for some people. That’s why there are supplemental insurance plans available. Golden Plan Choice has several that can help you get all of the health care coverage you need.
What is a Pasadena TX Supplemental Insurance Plan?
Medicare supplemental insurance is a type of insurance policy that helps cover some of the costs that Medicare does not cover. This type of policy can help pay for copays, coinsurance, and deductibles. Because it covers the “gaps” in Original Medicare, we also call these plans “Medigap” plans.
There are a few requirements to apply for Medicare supplement plans.
- When it’s time, you must enroll in Medicare Part A and Part B.
- You must also live in the United States.
- You must be able to pay the monthly premiums for the plan you choose. This premium is in addition to the payments your Original Medicare plan requires.
- You must not have any other health insurance that covers the same benefits as the Medicare supplement plan you are applying for.
However, Pasadena TX supplemental insurance plans are only available through private insurance agencies. There are many different types of Medicare supplement plans available. Plans vary in terms of the services they cover, the premiums and deductibles charged, and the providers that are included in the plan network.
Golden Plan Choice offers a wide variety of supplemental plans. Although the choices may be overwhelming, we can answer any questions you have. Our agents can guide you throughout the entire process so that you’ll get all of the coverage you need.
The Difference Between Pasadena Supplemental Insurance and Medicare Advantage
When you’re looking at all of the additional plans you can get aside from Original Medicare, you may run into “Medicare Advantage” plans. Although they seem similar, these plans operate differently from one another.
Supplemental plans are designed to help cover some of the costs that Medicare doesn’t, such as copayments, coinsurance, and deductibles. Medicare Advantage insurance plans are an alternative to traditional Medicare coverage.
As an alternative, Medicare Advantage plans bundle Part A and Part B together. Most plans also include Part D as part of the package. On top of these benefits, it also introduces coverage for other services that Original Medicare doesn’t offer, such as vision insurance and dental plans.
Like Medigap, you can only get Medicare Advantage plans through independent agencies. However, you can’t have a Medicare Advantage plan while you have a Medigap plan. Before you enroll in Medicare, you should decide on which plan will be better for you. Golden Plan Choice offers both types of insurance plans, so we can offer all of the information you’ll need to come to a decision.
Contact Golden Plan Choice
For most people at or approaching 65, Medicare may be one source of health insurance. Supplemental insurance plans are a great way to get the coverage you need without breaking the bank. There are many different types of supplemental plans available, so you can find one that fits your needs. Some of the benefits of supplemental insurance include helping cover the costs that Original Medicare doesn’t.
Contact Golden Plan Choice to get your free quote on health insurance. With over 15 years of experience in the industry, we offer various supplemental insurance plans that can get you the coverage you need. Call us or visit our location for more information about our plans. We have the Pasadena TX supplemental insurance plans you need.
Pasadena, Texas Fun Facts:
- The city of Pasadena is part of the Houston-The Woodlands-Sugar Land area.
- It has the largest volunteer fire department in the U.S.
- Pasadena was formally incorporated in 1928 after canceling it five years prior.
- For more fun facts, visit the city’s official page.