PRS Insurance Solutions can help you with Medicare supplement plans in Addison, Dallas, Denton, Fort Worth, Houston or Richardson. They specialise in health care insurance for seniors and they can help with the best plans at the best rates. They extensive knowledge and experience when it comes to things like enrolment periods, Medicare Supplements, Medicare Advantage (HMO/PPO enrolment), prescription drugs and your final expenses.
Medicare is not by any means comprehensive and there are gaps and out of pocket expenses. Medicare supplement plans (also called Medigap Insurance) can fill some of these gaps. For example, original Medicare does not cover co-payments, co-insurance and deductibles. Medicare also does not cover when you travel abroad. Medicare supplement plans are sold by private insurance companies. These companies are licensed by state to sell Medigap policies. These plans supplement original Medicare, they do not replace it. Advantage plans are different and supplement plans should not be confused with advantage plans.
To qualify for Medicare supplement plans you must have Medicare Part A and Part B. You will pay an additional premium for a Medigap policy. As long as you pay the premium your Medigap insurance can’t be cancelled. A Medigap policy only covers one person. So, if you have a spouse he or she will need their own policy. Medigap no longer covers prescription drugs. You will need a Medicare Prescription Drug Plan (Part D) of you want coverage for prescription drugs. Alternatively, you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.
The best time to buy a Medigap policy is during the 6-month window or open enrolment period that starts the month you turn 65. The consultants at PRS Insurance Solutions will be able to advise you regarding all the important details of Medicare supplement plans and related health care insurance.
Medicare Supplement Plans in Dallas, Richardson, and surrounding areas, including Addison & Denton. Get Medicare Advantage Plans, Medigap, Disability Insurance.
