Medicare Plans in Pharr Texas

If you’re wondering about Medicare plans in Pharr Texas, Antonio Espino Insurance has created this guide to help you find the plans to best suit your needs.

There are many different types of Medicare.

Depending on what you are looking for, the most comprehensive coverage being offered is through a Medigap (Medicare Supplement) plan.

Enrollment into any of the following plans requires you to be eligible for Medicare. You first become eligible at age 65. Your initial enrollment period (IEP) for Medicare begins three months before your birth month and lasts three months after your birth month.

This is not to be confused with Medicare Open Enrollment (OEP), or Annual Enrollment Period (AEP), which is a window from October 15 to December 7 every year. During this time you can reevaluate your coverage and make Medicare changes if you need.

But not everyone needs a Medicare Supplement. There are other options. You can also enroll in a Medicare Advantage plan. Most Medicare Advantage Plans do not have a premium attached to the plan. You just need to be enrolled into Medicare parts A and B.

You can also have Medicare if you qualify for social security disability benefits.

To be eligible to enroll in Medicare, most people need to be collecting Social Security disability for a period of two years.

If you’ve been collecting Social Security disability benefits for 24 months you will be automatically enrolled in Medicare Parts A and B and will be effective on the first day at the beginning of the 25th month.

Medicare Plans Pharr Texas

Medicare Advantage Plans in Pharr, TX

Medicare Advantage plans must cover all of the services that Original Medicare offers in Pharr, TX.

Medicare Advantage plans are administered by private insurance companies.

They are responsible to cover 100% minus the co-pays, if any. At the same time, the member will have a Maximum-Out-Of-Pocket (MOOP) dollar amount. Consider this a like a safety net. The member can not pay more than the MOOP in a given year. If the member reaches the MOOP within the year, the insurance company will cover the rest of the healthcare costs for the remaining year.

Additionally, they offer vision, hearing, dental, over the counter, and wellness plans (like gym memberships). Some plans offer other extra benefits like transportation to doctor visits, prescription drugs, adult daycare, and more.

Remember, most Medicare Advantage plans are available to you at no additional cost.

There are 19 Medicare Advantage plans available in Pharr, TX.

Medicare Advantage Plans in Pharr Texas

Medicare Supplement Plans in Pharr, TX

There are a few “gaps” in Original Medicare’s coverage or things that you must pay because Medicare does not. These are usually copays and deductibles, but there are other leftover costs Medicare leaves behind. This is where a Medigap plan helps the most.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

A Medigap policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles.

Costs covered by a Medigap plan include:

Coinsurance and hospital costs after Part A’s deductible First three pints of blood for a blood transfusion Hospice care Skilled nursing facility care Medicare Part A deductible Part B deductible Part B excess charges (the difference between the amount a doctor can charge and Medicare-approved amount) Medical costs incurred while traveling outside of US Some plans put a cap on the amount of out-of-pocket costs associated with Medicare.

Open Enrollment (OEP) for a Medicare supplement begins the first day you are 65 and enrolled in Medicare Part B and lasts six months after.

This is the best time to get into a Medigap plan because you are allowed to enroll without answering any health questions and it is a guaranteed issue.

You are allowed to enroll in a Medicare Supplement at any time once you are enrolled in Part B, but you will be subject to health underwriting questions after open enrollment is over.

If you are under the age of 65 and enrolled in Medicare, be sure to give me a call to check your eligibility.

Medicare Supplement Plans Pharr Texas

Medicare Prescription Part D Plans in Pharr, TX

Original Medicare do not cover prescription drugs.

You must either:

1. Purchase a stand alone Prescription Drug Plan
2. Have access to Tricare, ChampVA, or use the Veterans Pharmacy
3. Be in a Medicare Advantage Plan that offers Prescription Drug Coverage

Every Part D plan must give a standard level of coverage set by Medicare. Plans must include a list of drugs they cover, called a formulary, and if any changes are made to it, the provider is required to send you a notice.

There are 25 prescription drug plans available in Pharr, TX.

Medicare Special Needs Plans in Pharr, TX

Special Needs Plans (SNPs) are highly specialized. For this reason we’ve created a page for Medicare SNP and what is like in Hidalgo.

Final Expense & Burial Plans in Pharr, TX

If you live in Pharr, TX and want a Burial Final Expense Insurance…go to my final expense page to see what a quote would be like for you.

Best Dental Insurance for Seniors in Pharr, TX

To choose a first day coverage dental insurance for seniors with in Pharr, TX…take a look at our A m eritas Dental page.

Need a Cancer Plan for Seniors in Pharr, TX

To choose the most inexpensive cancer insurance plan for Seniors in Pharr, TX, check out the Cancer Insurance Plans for Seniors page.

Health Insurance Plans in Pharr, TX

If you do not qualify for Medicare and would like to get an instant quote on individual health plan in Pharr, TX, go to Health Insurance Plans page.

Do You Need A Medicare Agent In Pharr, Texas?

Having an insurance agent in Pharr, TX has its benefits. By calling ESPINO INSURANCE GROUP you can rest assured you will have a dedicated team to your needs.

WHY SHOULD I BE YOUR MEDICARE AGENT?

I AM LOCAL!

This is probably a big one for me and most of you in the Rio Grande Valley. I don’t know why, but as soon as you turn 65 you are going to start receiving lots of unsolicited phone calls and mailers from insurance agents all throughout the United States.

Believe me!

The problem is that all the agent wants to do is switch you to a different plan so that way the agent can be paid and have you under their book of business. If succeeds, the agent usually do not follow up with any serviceability on their end. Then you are left with no help when you need it most.

What Else?

Well as an independent Medicare insurance broker, our job is to give you an unbiased opinion on different Medicare plans that is tailored towards you. Because I am partnered with so many different insurance carriers, I do not show favoritism towards any insurance carrier and represent YOU and not the insurance companies.

Rest assured that I have your best interest in mind and will recommend a plan that will fit your healthcare needs and also provide you with proper healthcare coverage.

You do not pay me anything and your premiums do not increase because you have worked with me.

Why choose me as your Medicare Agent over other Insurance Agents?

Besides the additional services I offered mentioned above:

You know I am a Medicare Broker. Not many insurance agents are brokers. Some are contracted with only one company and that is all that they can sell.
You will have an on call dedicated Client Service Representative who will tackle Medicare hiccups. This can be stressful and can include things as:

Solving Billing Errors
Helping you with referral issues
Solving pharmacy problems when you can’t get your medications
Helping you find preferred vendors for your Medicare Benefits (Free Glasses, Dental Providers, Gym, Medications, etc…)

I want to help you find the best Medicare plan for you!

ESPINO INSURANCE GROUP services people from the Rio Grande Valley in the great state of Texas. We are well-trained and experienced insurance agents that are ready to answer questions about your Medicare and put together a comprehensive plan to fit your needs.