Medicare
Articles
THE INFO YOU NEED TO MAKE AN INFORMED DECISION
Why You Should Choose a Local Texas Medicare Agent
Medicare Annual Enrollment Period (AEP) is upon us. This is the time period, from October 15 – December 7, when you have the opportunity to make changes to your Medicare coverage. During AEP you can: Change from one Medicare Advantage plan to another Switch from...
What Happens to Your Medicare Coverage If You Return to Work?
It is not uncommon for people who have retired from the workforce, to change their minds and go back to work. This can be for a variety of reasons. Maybe they found they missed the sense of purpose that work gave them. Some return to work for financial reasons,...
Health Insurance Options When Your Spouse Enrolls in Medicare
What happens when your spouse is approaching 65 and they decide to retire and enroll in Medicare? If you are covered under their employer-based health insurance and are not yet 65 yourself, where will you get coverage? You have several options to consider, and it’s...
Best Medicare Plans in Texas: Medicare Supplement Options
You don’t want to get stuck with the wrong Medicare Supplement Insurance plan. More commonly known as Medigap, these plans help people who are enrolled in Original Medicare take control of their out-of-pocket health insurance costs. Before you enroll in a plan, learn...
Does Medicare Cover Long Term Care
As life expectancies increase, you may be one of many seniors who will need extra help with everyday activities as you age. You may think that Medicare will help cover long-term care (LTC) costs. In fact, Medicare does not cover most costs associated with LTC. It’s...
Are You Eligible for Medicare if You Never Worked
Many people qualify for Medicare based on their work history and payment of payroll taxes. Medicare, however, is available to anyone who meets the eligibility requirements, regardless of their work history. If you have not worked and therefore not paid Social Security...
Medicare Coverage While Traveling Abroad
For many seniors, retirement means the opportunity to travel more. Original Medicare, Medigap and Medicare Advantage plans all offer different coverage and limitations. If you plan to travel outside the U.S., you need to know how you are covered before you go. What...
I Missed My Medicare Initial Enrollment Period. Now What?
For most people turning 65, Medicare enrollment occurs in the seven-month Initial Enrollment Period (IEP) which is the three months before your birth month, the month you turn 65, and the three following months. What happens if you missed your IEP? It’s important to...
Understanding Medicare Advantage and Medigap – Which is Right for You
When you are eligible to sign up for Medicare, there are several decisions you will need to make. Original Medicare (Part A and Part B) will not cover everything, which could result in a costly gap in coverage. There are two ways to close that gap: Medicare Advantage...
Texas Health Insurance After Retirement: Medicare, COBRA or Both?
There are many decisions you need to make when approaching retirement. Making the right choice about your health insurance is one of the most important ones. Because retirement is considered a qualifying event, if you work for an employer with 20 or more employees,...
How to Recognize and Avoid Medicare Scams
With more than 62 million Medicare participants, there are few financial areas as inviting as is Medicare to unscrupulous scammers. Despite the best efforts to stop Medicare scams from proliferating, there is simply no way for law enforcement to keep up. Every year,...
Does Medicare Cover Alternative Medicine?
It’s not a given that Medicare automatically approves helpful, alternative medical care. The better news is that alternative care is not automatically denied, either. The challenge for many Medicare beneficiaries is understanding the rules of their state and insurance...