Seniors in El Paso, TX have several different options when it comes to choosing an El Paso, TX Medicare health insurance plan. With so many different plans available, it can be difficult to know which one is right for you. Healthcare benefits are nothing to plan with, especially as you get older in age.
When you work with us, you’ll receive peace of mind that won’t get anywhere else. We treat you like family because that’s exactly how we’d want others to treat our own family in their time of need.
Here are some tips to help you choose the best Medicare health insurance plan for your needs.
What is Medicare
Medicare is a health insurance program for people 65 and older, as well as for those with certain disabilities. However, Medicare is only available for people in certain service areas.
Why? Because Medicare is contracted through individual service plans that doctors will choose to accept or decline.
Medicare is split into different parts known as parts A, B, and Part D. Each part covers different services, and it’s important to understand the differences between the plans so that you get the right coverage option for you. We’ve explained the difference between the parts below:
- Part A
Part A Medicare insurance is referred to as hospital insurance, and it covers inpatient hospital stays, hospice care, and any other medically related hospital care. Under some Part A Medicare benefits, home health care services may be covered too.
- Part B
Part B is known as the medical insurance coverage option of Medicare. It covers general doctor visits, outpatient care, and preventative care services. Depending on your care coverage, you may even be able to receive full coverage for your medical supplies too under this plan.
- Part D
Finally, there is Part D Medicare coverage which commonly covers the cost of prescription drugs. Depending on your plan, you may have part or the full cost of your prescriptions covered under Part D insurance. However, the goal of the coverage is to make your prescriptions more affordable. In addition, part D coverage takes care of any shots and vaccines you may need too.
To learn more about what these plans have to offer, please give the Golden Plan Choice team a call. We’d love to discuss our plans with you over the phone.
Important Information About El Paso, TX Medicare Health Insurance
When it comes to health insurance, everything seems like it’s just a bunch of word jargon. While that may be true, it’s important that you understand the terms and coverage of your plan so that you know what doctors you can see, how often you can see them, and how much it’ll cost to see them.
When it comes to El Paso, TX Medicare health insurance plans, regardless of the plan, each plan has to provide you with part A, B, or D services. However, there are restrictions and limits within each specific service that should be discussed with your customer service agent beforehand.
Even though Medicare is a form of health insurance, it works a bit differently from your typical health insurance plan. Moreover, if the price is a factor for you, as it is for most people, you’ll want to convert yourself with the price of your premium. The price you pay is mainly determined by your plan, and you’ll have two to choose from. Original Medicare and Medicare Advantage.
Original Medicare plans include Parts A and B with a separate purchase option for Part D. While Medicare Advantage works like a bundle with Parts A. B, and D. It’s best to speak with a Medicare expert before moving forward with any one option.
How to Enroll in a Medicare Plan
Everyone is auto-enrolled into a Medicare program once they turn 65 unless there was an instance of you requiring it beforehand, like needing SSA benefits.
Before your 65th birthday, three months before to be exact, you’ll receive Medicare benefit enrollment and sign-up instructions in the mail.
However, you can always take your packet with you to an insurance specialist to ensure that you’re getting the most out of your plan.
Golden Plan Choice is a great option for you if you’re searching for someone to discuss your options with. Our overall goal is to ensure that you’re happy and confident with your coverage options, and it’s our job to get you to that step.
Part C is another option available to you, but you have to go through a private insurer to obtain it. Part C is known as the Medicare Advantage program we discussed above. Please let us know if you’re interested in enrolling in a Part C Medicare Advantage program.
Who Qualifies For the Medicare Advantage Plan?
The easiest and most straightforward answer to this question is that those who are 65 and older or who already receive social security benefits are far more likely to be approved for medicare Advance. Although, you still do need to make sure you live in a Medicare coverage area first. Moreover, to qualify for Medicare Advantage, you must be enrolled in both Medicare Part A and Part B.
Get in Touch With Medicare Experts Today
If you’re a senior citizen in El Paso, TX, we can help you choose the right Medicare health insurance plan for your needs. We understand that there are many different options available, and it can be difficult to know which one is right for you.
That’s why we’re here to help. We’ll do everything we can to find the best plan for your needs, and we’ll provide the peace of mind that comes with knowing you’re covered. Contact us today to get started crafting your personalized El Paso Tx Medicare Health Insurance plan.
El Paso TX Fun Facts:
- Before it was nicknamed the Sun City, El Paso, Texas called the Six Shooter Capital.
- El Paso, Texas is considered to be the boot capital of the world.
- El Paso is one of the top 10 safest cities in the United States.