Texas Medicare Advantage

With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were given the option to receive their Medicare benefits through private health insurance plans, instead of through the original Medicare plan (Parts A and B). These programs were known as "Medicare+Choice" or "Part C" plans. Pursuant to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, "Medicare+Choice" plans were made more attractive to Medicare beneficiaries by the addition of prescription drug coverage and became known as "Texas Medicare Advantage" (MA) plans.

• Texas Medicare Advantage Plans are health plans that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This insurance may include prescription medication coverage.
• Texas Medicare Advantage includes: Medicare Health Maintenance Private Fee-for-Service Plans (PFFS), Medicare Special Needs Plans.Organizations (HMOs), Preferred Provider Organizations (PPOs).
• When you join a Medicare Advantage Plan in Texas, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.
• To join Medicare Advantage in Texas, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Texas Medicare Advantage Plan for the extra benefits that they offer.
• If you join Texas Medicare Advantage, your Medigap policy won’t work. This means it won’t pay any deductibles, copayments, or other cost-sharing under your Texas Medicare Health Plan. Therefore, you may want to drop your Medigap policy if you join Medicare Advantage Texas. However, you have a legal right to keep the Medigap policy.

Although we prefer Original Medicare, Standardized Medicare Supplements and stand alone Prescription Part D plans for our clients, we will certainly sell Texas Medicare Advantage plans when appropriate. For all your senior health insurance choices consider Rosenheck and Co.

Rosenheck & Company specializes in providing Texas Medicare Advantage to seniors in Texas. If you have any questions regarding Texas Medicare Advantage, Medicare Advantage in Texas or Medicare Advantage Texas feel free to give us a call at 1-800-777-9944.