Medicare supplement plans in Texas, that's a topic of today's episode on Medigap TV. Stay tuned
Hello and welcome to another episode of Medigap TV, I'm your host
Loran Marmes. I'm also the owner of medicare solutions team
I built this channel to help guide you down the path to Medicare and answer any questions
You might have if you find our information helpful
Please give us a thumbs up and like our video and subscribe to our Channel
We are an independent Medicare supplement company, which means we carry all the top providers in your state
Please call us anytime to have your questions answered or to get a free no-obligation quote
Our number is 844-528-8688
Thank you, and we'll see you inside. What is the best Medicare supplement plan in Texas?
Hi, I'm Loran. Marmes
And today we're going to be discussing the Medicare supplement plans available to you in Texas and what plans?
offer the most
benefits for your lowest premium dollar like most states Texas has the ten lettered plans available to them a
through n but in reality with what is happening with plan F in
2020 there are really only two options that make any sense. That would be the Medicare supplement plan G and
the Medicare supplement plan in we're gonna go over the benefits of
both plans so that you can make an educated choice on which plan fits you the best now if you've done any
Searching around the internet at all videos or websites or anything like that
You've probably heard of the Medicare supplement plan G the plan G basically covers everything
except the Part B deductible the Part B deductible is the
Deductible that you will pay once a year at the doctor's office
it is less than $200 and in today's environment a
$200 deductible is pretty reasonable plan G is the higher-priced of the two plans
but if you go to the doctor
several times a year or a couple times a month the plan G is probably the best fit for you the other plan and
the plan that is probably going to fit most people looking for a Medicare supplement is the plan n the plan n as
You can see covers everything that the plan G does
except the Part B, excess and
You have a co-payment when you go to the doctors the plan n covers all of the Part B coinsurance
Except a twenty dollar co-payment
When you go to the doctor's up to and that's a maximum of twenty dollars
They can charge less they can charge five ten dollars if they want some doctors don't charge it some charge the full twenty
It's up to your physician. You will also have a co-payment of
$50 when you go to the emergency room now
If they admit you when you go to the emergency room that co-payment will be waived as I said earlier Part B
Excess charges are also not covered by the plan N
Realistically. This is not a huge problem a report put out a couple years ago by the Kaiser Foundation
stated that ninety six percent of doctors accept Medicare assignment
Aetna had put out a report recently
that
99% of their claims are paid out on assignment which means the doctors accept assignment
Well, I don't think this is a huge issue
It's just something you should be aware of and I'll explain how that works here in just a second
now if your doctor accepts medicare assignment
that means that your doctor provider supplier is required by law to
Accept the Medicare approved amount as full payment for Medicare services
That means if Medicare comes in and says we only pay a thousand dollars for this
They have to accept it at full cost
They cannot charge you any more if they do not accept assignment the doctor by law can charge you an additional
15 percent
Above the cost of the service
Is known as the Medicare excess charge
You would then be responsible for that 15%
Under a plan N, plan G would pay that plan and you would have this is how it would look
If your doctor accepts assignment, he charges one hundred and twenty dollars
The Medicare says no, we only pay a hundred dollars for that service
Medicare would pay the eighty percent your Medicare supplement
Plan G or n would pay that 20%
Leaving you with zero if your doctor does not
Accept assignment same thing happens the doctor bills one hundred and twenty dollars
Medicare says no. We only pay a hundred the doctor can charge you 15%
over
The hundred dollars of the Medicare approved amount not what their actual bill was
They can only charge you the 15% over the Medicare approved amount Medicare would pay the eighty
Your supplement would pay the twenty and you would pay that fifteen dollars, which is the 15%
Excess amount again. I I don't think this Part B. Excess is a huge issue down in the description
I'm going to have a link to Medicare.gov's
Search where you can
Enter in your doctor's name or enter in your area and find a doctor that does accept
Assignment or you can give us a call at eight four four five two eight
Eight six eight eight and we'll run that search for you now
Let's look at the pricing of the Medicare supplement plan G in
Texas and the Medicare supplement plan
N as you can see, this is for a 65 year old female zip code seven five two two eight
No
household discounts no spousal discounts and no tobacco rates the Medicare supplement plan G would be
107.40 any Hospital any doctor? No co-pays and you pay that Part B deductible
The Part B deductible is a very low annual deductible under two hundred dollars
which by today's standards is a
very low deductible with the Medicare supplement plan n same person you'd be looking at
83.13 a month and just like the plan gee any hospital or doctor that accepts medicare
You do have a copay of twenty dollars at the doctor's up to twenty dollars a $50 copay at the ER
Unless you're admitted if you're admitted. This copay will go away. And again that Part B deductible
Which you'll be responsible for once a year now
As you can see on the pricing between the two plans there's over
$20 a month difference when you factor in that copay of twenty dollars going to the doctor. That means you would have to have
12-13 doctor visits per year going to the doctor at least once a month to even come close to breaking
Even between the two plans. So your normal person goes to the doctor three, maybe four times a year that would put you way ahead
with the Medicare supplement plan n
now if you have some serious health issues and
You're going to the doctor wants twice a month. Got a lot of things going on
Then the Medicare supplement plan G would be the best fit for you
Now that you've learned what to Medicare supplement plans will cover most of the population at Texas
It's time to find out what plan fits you the best and what that pricing is
Are you single? Are you married and your spouse is also looking for a Medicare supplement plan?
Is your spouse going to be staying on a group plan or on an individual plan do you use tobacco?
Texas is one of the states that does allow an upcharge for tobacco usage during your open enrollment
These are all questions that can affect the pricing and what company we go with for your Medicare supplement
Plan the easiest way to get this done is give us a call at eight four four five two eight eight six eight eight
we carry over 20 Medicare supplement companies and
We'll find the right company and the right plan that fits both your needs and your budget
There is never a fee for our services. I hope you found this video informative
And if you did, please give us a thumbs up and like our video and subscribe
To our channel to get the latest updates on Medigap TV. Thank you
This is Loran Marmes, and you have a wonderful day that concludes another episode of Medigap TV
Thank you for watching in just a second
There will be a couple pictures to the side of me where you can click on and see other
Interesting videos below me if you click on the little circle of my face
You'll be able to subscribe to our channel and you'll be updated as soon as a new video is loaded
Remember call Medicare solutions team at eight four four five two eight eight six eight
Eight for all your medicare supplement needs. Thank you, and you have a wonderful day
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