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Medicare Supplement Insurance

As a person insured with Medicare, you have the right and opportunity to be covered by Medicare Supplement insurance. Medicare Supplements are insurance policies that help you cover the deductibles and co-insurance with Parts A & B. These costs are known as the "gaps" in Medicare. Supplements are a missing puzzle piece for financial security and better access to quality care. 

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Benefits

Sets you up to have very low or no out of pocket medical bills.

Allows you to choose any doctor that accepts Medicare, no networks.

Great access to quality healthcare and maximum peace of mind.

Remember, Medicare A & B by itself does not set annual limits on your out of pocket medical bills. This is the #1 reason to have a Medicare Supplement or an Advantage Plan.

Medicare Supplements - 5 Things To Know 

  1. Medicare Supplement plans are provided by various private insurance companies. Each plan is represented by a letter, which means certain standard coverage. The coverage for each letter plan is the same at each insurance company that offers it. The rates each insurer charges can differ.

  2. When you have a Medicare Supplement policy it is secondary to Medicare A & B. Medicare determines what is covered and pays first. Your Medicare Supplement plan pays second and covers whatever Medicare covers. Medicare Supplements do not determine what is covered, Medicare does.

  3. Medicare Supplements cover you at any doctor or medical provider in the country that accepts Medicare A & B. Standard Medicare Supplement plans do not have doctor networks that you must stay in. If your doctors and providers accept Medicare they should also accept your Medicare Supplement, regardless of the insurance provider.

  4. Once you have a Medicare Supplement policy it is guaranteed to renew each year as long as you pay your premium. Your policy can never be canceled based on your age, health, or claims history.

  5. The monthly cost for your plan can vary based on factors such as your zip code, age, tobacco status, and the insurance provider. The monthly premium you pay is never based on your individual health or claims history.

Top Medicare Supplement Plans 

As mentioned earlier, Medicare Supplement plans help you cover out of pocket costs under parts A & B. These are the deductibles, copay's, and coinsurance that you would normally have to pay when receiving care. The chart below shows the two most popular Medicare Supplement plans and how they cover out of pocket costs with parts A and B. The      represents whether the particular letter supplemental plan covers that cost for you.

Covers you 100% for Part A Hospital & Nursing Facility Stays

Provides 365 Additional Lifetime Hospital Days Paid At 100%

Covers Part B Deductible

Covers Part B 20% Co-insurance

Covers Part B Excess Charges

(Amount Billed By Doctors Over Medicare's Fee For Service)

Co-pays After Deductible?

Your Annual Out Of Pocket For Part A & B Medical Expenses

Sample Monthly Rate For 65 Year Old

Plan G

No Co-pays

Part B Deductible, $203 A Year

$113.90

Plan N

$20 Doctor

$50 Emergency

Part B Deductible Plus Co-pays & Excess Charges

$91.49

Rates are samples and not guaranteed. Your rate may be higher or lower depending on several factors such as sex, zip code, and tobacco status. Contact us for a personalized quote. It is our goal to get your your best rate & value. Benefits displayed are a summary of each plan, review the detailed outline of coverage supplied by your agent. Contact us for a personalized quote and more details.

Plan G

Currently the most popular Medicare Supplement Plan available and gives you the most medical coverage that you can have. Very simply, Plan G Covers all gaps in Medicare except the annual Part B deductible. The annual Part B Deductible is $203 a year in 2021. So, if you have a Plan G policy, the Part B deductible is the only medical cost you are liable for. You have no copay's or co-insurance after the deductible.

Plan N

Plan N is very similar to Plan G and is known as the value Medicare Supplement. It provides good coverage at a lower monthly premium than Plan G. With Plan N, just like Plan G, you are responsible for the annual Part B deductible ($203 a year in 2021). After you meet your annual deductible, Plan N has copays for doctors and the emergency room, whereas Plan G does not. There is one more difference in coverage. Plan N does not cover Part B “Excess Charges” if they occur. These are costs when a doctor bills over the fee Medicare pays them for their services. Part B Excess Charges are typically rare and when they do, they are minimal. Plan N is a good option for those who want good coverage but also keep their monthly premium as low as possible.

After being in business for over 110 years and offering high quality plans; Mutual of Omaha has become the largest supplemental insurer in Texas.

Top Medicare Supplement Insurers In Texas  

We help you compare plans & rates for these insurers in one convenient source. Scroll down to the Agent section to learn how.

Recommended Next Section: Medicare Advantage Part C

About Your Agent

Since beginning his career as a Licensed Insurance Agent, Ben Rodriguez has personally helped over 1,000 Medicare recipients. He has a degree in Business Finance from Kent State University and has acquired over 15 years of experience in financial services & insurance. Having a close relationship with his parents and grandparents has made him in tune to the needs of boomers and seniors.  Ben is known for his professionalism with a personal touch that he brings to each of his clients.

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Ben Rodriguez

Licensed Agent

Agency Director 

Get A Free Phone Consultation & More Info;

Learn your Medicare open enrollment, what you need to do and when, and your personal options.

Book Your Call Using His Online Calendar; Click Here

Compare the best plans & insurance providers in your zip code. Get a recommendation based on your personal needs, budget, medications, and doctors.

Call Or Text Us Directly At 512-537-7847 

Get all your questions answered, gain clarity and relief with your Medicare decisions.

An email or printed packet will be delivered to you after your call so that you can save and review the info.

Our service and information is always zero cost to you. Assistance is provided with no obligation or pressure. See why hundreds of folks all over Texas use us each year and give us high ratings.

About Us

We are an independent insurance agency that hundreds of Texans trust & rely on for their Medicare benefits. We specialize in Medicare Supplements, Medicare Advantage (Part C), Part D, and Dental & Vision plans. Our service is designed to be a one stop shop to make it easy for you to get your best value coverage. We are based in Austin, TX and offer plans in the entire state. We provide our services to you conveniently by phone & online. 

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Offering Plans With Select Top Insurers:

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