Medicare Supplement Health Insurance

Why You Need Medicare Supplement Insurance

Medicare is a federal program to help older Americans and some disabled Americans pay for the high cost of health care. However, Medicare was never intended to cover all your health care costs. So even if you’re covered by Medicare, you are still responsible for a large portion of your health care costs.

What Medicare Doesn't Cover

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you're responsible for some out-of-pocket expenses including:

($1,068) Part A hospital deductible.
Copayments for hospital stays over 60 days.
Care in a skilled nursing facility after 20 days.
($135) Part B deductible.
Generally 20% coinsurance for doctor bills and other medical expenses.

Without Medicare Supplement insurance in place, you could be faced with these expenses Medicare does not cover. To help cover the costs Medicare doesn't, you have a choice of affordable Medicare Supplement insurance plans from Blue Cross and Blue Shield of Texas.

Supplementing Medicare

Private insurers offer Medicare Supplement insurance to fill in the gaps for hospital and medical expenses Medicare does not pay.

By law, Medicare Supplement insurance is standardized into twelve plans (Plans A through L). That means Plan F from one company must include the same basic benefits as Plan F from another company. While the basic benefits must be the same, each company's rates, reputation, membership features and quality of service can vary.

Eligibility

Age 65 or Older
As long as you are a Texas resident, age 65 or older, have Medicare Part A and are within six (6) months following your enrollment for Medicare Part B, your acceptance is guaranteed.

Under Age 65
If you are a Texas resident, under age 65, have Medicare Part A and are within the six (6) months following your enrollment for Medicare Part B, your acceptance is guaranteed for Plan A. For more information, please call us at 1-888-731-0415.

Turning Age 65
If you are a Texas resident turning age 65, were previously enrolled in Medicare Parts A and B, and apply within six months of turning age 65, your acceptance is guaranteed.

Existing Medicare Supplement members with questions about your policies, coverage or claims can Log in to Blue Access for Members^® or Call: 1-800-654-9390, (M-F 9am - 4:30pm CT)