Medicare is government-funded health insurance for seniors aged 65 years and above along with people with disabilities and those suffering from kidney failure.

As you get closer to your 65th birthday, you need to begin thinking about what Medicare plans you will be applying for. For certain Medicare plans, applications need to be filed at least 3 months before you turn 65 years to avoid late-enrollment penalty fee.

In Texas, Medicare beneficiaries can choose between Original Medicare (Part A and Part B) and Medicare Advantage (Part C – private health insurance). Beneficiaries can choose to add on Part D (prescription drug coverage) to either of their plans.

Medicare Plans offered in Texas:

Original Medicare (Part A and Part B)

Original Medicare consists of Part A and Part B of Medicare. This covers all hospitalization costs and pays for doctor’s expenses as well.

Medicare Advantage (Part C)

Medicare Advantage is provided by private health insurance companies and usually includes dental and vision care (which isn’t covered by Original Medicare).

Prescription Drugs Coverage (Part D)

Part D of Medicare covers prescription drugs for people with Original Medicare. These plans are offered by private insurance companies. Beneficiaries of Medicare Advantage can also purchase Part D through their Medicare Advantage Prescription Drug plan.

Medicare Supplement Insurance (Medigap)

Medigap covers expenses that are not covered by Original Medicare such as deductibles, coinsurance and copayments.

Medicare Savings Programs offered in Texas

People with low-incomes can apply for Medicare Savings programs provided by the Texas government. These savings programs can help pay for health-insurance related costs such as deductibles, coinsurance and premiums.

At Medicare Values we know that Medicare can be complicated. Our team of experienced health-insurance brokers has in-depth knowledge of Medicare plans and policies. We’re in close contact with top health-insurance companies in Texas. Our insurance agents are devoted to finding you the best health-insurance plan for your need at the lowest costs.

If you’re turning 65 soon, get in touch with so we can get your health-insurance applications started. We provide insurance brokering services in various parts of Texas including: Dallas, Harris, Fort Worth, Bexar, Travis and El Paso.