Texas best suplimental health ins
What the best cost effective Medicare supplemental in Houston,Texas
Forum Discussion
- Don't know about Texas, but Blue Cross is about the best for being accepted anywhere. Each state has an independent Blue but they all accept/process each others claims. Not so for a lot of other insurance carriers.
- Do you have the 2015 Medicare & You book for Texas?? If so, all the supplemental plans, with costs, will be listed in the back.
You can also search out the Texas supplemental plans on http://www.medicare.gov/
-Tom Water-Bug wrote:
Don't know about Texas, but Blue Cross is about the best for being accepted anywhere. Each state has an independent Blue but they all accept/process each others claims. Not so for a lot of other insurance carriers.
They all pretty much offer the same coverage BUT the service out of area can vary greatly depending on the carriers presence in the area you are in when you have a claim.
I once had a local supplement called MVP had to troubleshoot the claim from an ER for 3 months. Switched to a national presence and have had no problems since. My plan is only open to retires of the place I worked- We have Blue Cross/Blue Shield/TX and have used it out of state without any problem.
Shop carefully for plans with good reviews. Don't go cheap unless it has very good reviews, especially out of state if you travel out of state. Go to the Medicare web site, put in your info, and shop plans available. - And a lot depends on your present health and long term health.
fj12ryder wrote:
And a lot depends on your present health and long term health.
Not in you have proof of continuous ongoing coverage.- Stay away from HMO's. When they work its local, They also do away with concept of primary care physician and expect the computer to keep the various disciplines working together. No point of contact for the patient
Water-Bug wrote:
What I meant was that if your health is good you could go with Plan A which will mean you don't pay any premiums beyond the regular Medicare cost. But if your health worsens before you could change plans then you could pay a lot out-of-pocket expenses.fj12ryder wrote:
And a lot depends on your present health and long term health.
Not in you have proof of continuous ongoing coverage.fj12ryder wrote:
Water-Bug wrote:
What I meant was that if your health is good you could go with Plan A which will mean you don't pay any premiums beyond the regular Medicare cost. But if your health worsens before you could change plans then you could pay a lot out-of-pocket expenses.fj12ryder wrote:
And a lot depends on your present health and long term health.
Not in you have proof of continuous ongoing coverage.
Only if you upgrade your coverage. If you maintain the same level of coverage, you can change carriers at no change in cost.- Which supplement do you want a,b,c,d,e,f,g. Each supplement offers different coverage. Each supplement has different insurance carriers with different prices. Go to the medicare web site and search for the supplement and insurance carrier you want. If you do not understand supplements then go to an insurance broker and tell them what you are looking for.
