Medicare Supplement Insurance Texas - Filling The Gaps In Medicare

Medicare and Medicare supplement insurance are two very different things that

, while working together beautifully, should not be confused with one another. Medicare insurance is provided by the government for individuals 65 years of age or older or for individuals that are eligible due to a disability. Individuals that are eligible for Medicare all get the same level of benefits and coverage. This program has provided a number of individuals with the health care that they need at prices that they would otherwise be unable to afford. The benefits of Medicare have proven to be valuable especially for those living on a fixed income.

Medicare supplement insurance is often purchased to fill in the gaps in Medicare coverage. Medicare simply does not cover every aspect of healthcare. It was meant to provide an affordable means to get the most basic of health care but was never intended to fully replace traditional health insurance. Many individuals have come to find out that upon retiring the health insurance that was offered from their previous employer offered a great deal more coverage than Medicare. If a person is required to spend an extended period of time in a hospital or requires long-term care, Medicare will leave them with a huge health care bill.

In Texas Medicare supplement insurance operates the same as it does throughout the country. With the exception of a couple of states, the 12 standardized plans that fill in the gaps in Medicare coverage are the same across the United States. There are, however, significant differences in the amount of money charged by different providers for these plans. Depending on an individual's state of residence and sometimes even the county or zip code in which they reside, the costs for Medicare supplement insurance can vary a great deal.

Medicare supplement insurance can also provide added benefits that Medicare simply does not offer. Things such as vision care and dental care as well as hearing care are offered under different plans. Senior citizens can benefit a great deal from the added coverage provided by supplemental insurance. Many individuals are hesitant to spend money on additional insurance policy and instead rely solely on Medicare. This can lead to trouble once Medicare coverage has reached its limit. The cost of health care means that it does not take long at all for a huge pill to build up after Medicare coverage has been exhausted. The cost of being underinsured can be a great deal more than the cost for supplemental insurance.

by: Charles Peeler

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