More than 4 million Texans are enrolled in Medicare, which is 14% of the state’s total population. But what does it take to qualify? Learn about your Medicare eligibility in Texas and the coverage options that are available to you.
Are You Eligible for Medicare?
People age 65 and older are usually eligible for Medicare. Although, you can qualify if you’re under 65 and have a certain disability or a chronic illness such as End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). If you receive benefits from Social Security or the Railroad Retirement Board, you already qualify to enroll.
Medicare Options for Texans
Original Medicare is the traditional way many Texas receive their benefits. It includes Part A (hospital insurance) and Part B (medical insurance). There are also plans sold by private companies that can help fill some of the coverage gaps in Original Medicare. These are:
Medicare Part C
Also called Medicare Advantage, this is an alternative to Original Medicare. Plans include Part A and Part B coverage, and they usually offer extra benefits, such as prescription drug, vision, and dental coverage.Out of those who have Medicare in Texas, more than 1.4 million are enrolled in a Medicare Advantage plan.
Medicare Part D
This is prescription drug coverage.If you choose to keep Original Medicare, you can add a separate drug plan to your coverage. You must have Part A and/or Part B to enroll. Your Medicare eligibility in Texas may also qualify you for financial assistance with prescription drug costs. Extra Help (or LIS) is available to over 728,000 Texans and can help lower their prescription drug costs.
These plans are also known as Medigap. Plans are generally used to help pay your Original Medicare Parts A and B out-of-pocket expenses, such as deductibles, copays, and coinsurance. Many plans also offer foreign travel emergency benefits. Medicare Supplement plans in Texas are available in 8 standardized options.
Help With Medicare Eligibility in Texas
HealthMarkets has licensed agents across the state who can help determine if you qualify for Medicare, explore your benefit options, and enroll you in a plan that meets your needs. Our local, licensed insurance agents are available any time whenever you have questions regarding your Medicare eligibility in Texas. And our services are free of charge. Call us today at (800) 439-6916 to start your enrollment.
https://www.kff.org/medicare/state-indicator/total-medicare-beneficiaries/ | https://www.kff.org/medicare/state-indicator/medicare-beneficiaries-as-of-total-pop/ | https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b | https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/CMSProgramStatistics/2017/Downloads/MDCR_ENROLL_AB/CPS_MDCR_ENROLL_D_3.PDF | https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies