i'm going to talk about medicare plans in texas and if you're in texas and you're about
to come into medicare stuff you absolutely need to understand i'm keith armbruck founder of medicare
on video and i help people across the country make the right medicare choices and i can absolutely
help you as well one of the best parts is there's no cost to allow me to help you so hopefully
you'll take advantage of all my information we'll make sure we get all your pieces in the right
places now if you have questions after the video feel free to send me an email give me a call i'm
happy to help with any of the questions related to medicare now one of the great parts about medicare
is a lot of states are standardized means they act exactly the same as other states so texas
is one of those states where it's very similar to other states when you come into medicare one
of your choices will be if you stay on original medicare part a and part b and you get a medicare
supplement plan so medicare supplement plan is the same as a medigap plan it's designed to cover the
parts that a and b do not so it makes you out of pocket really low for the year so i think you'll
find it pretty actually very good going forward when you go to use your medicare coverage so in in
texas to have a medicare supplement plan you must be enrolled in medicare part a and medicare part b
now you have a period of six months where you have an open enrollment period so that starts when your
medicare part b starts but we want to set this up before your medicare part b starts so that
it does start the same day that your medicare part b but then you also still have a six month window
after that where you can make choices or changes if you feel you need to so when we want to do this
is during this open enrollment period so as long as we start it right when your part b
starts then you have guaranteed acceptance so you can pick anything you want there's no questions
medically there's no pre-existing conditions so you can simply choose what you want and they can't
say no so that is absolutely the time that we want to make sure that we make the right choices
now when you're looking at medicare supplement plans you've probably heard of these plan f plan
g plan n those are your primary choices and i have videos on each one of these specifically
if you go through medicare on video dot com and hover over the menu it'll bring down all
the choices and i have again videos on everything specifically so if you want more information on
video feel free to run through medicareonvideo.com now how are they priced and it's based on your age
your gender and your location primarily your zip code so from an age standpoint most people come in
at age 65 but some continue to work and don't come in until late 60s or early 70s whatever it may be
and that's how the supplement is priced but that's what we do is we shop all the companies all the
prices make sure we get the lowest cost on the medicare supplement in your zip code so in the
future if you have a medicare supplement plan and you want to change you can do that anytime
during the year you do not need to wait for that annual medical medicare open enrollment period
you can do it anytime during the year but there are underwriting qualifications in other words
you have to be reasonably healthy to change but we do want to shop
every year so make sure every year you come back we'll do a comparison we'll do a shop we can find
a lower price on the same plan then that's what we'll look to do so whenever we can save money
always a great thing the other choice you would have in texas would be a medicare advantage plan
and i generally don't prefer or recommend medicare advantage plans they do work in some cases for
people and certainly a lot of people on medicare advantage plans but those are the tv commercials
that you see all the time and what it does is it puts you in an hmo or ppo type plan
where you have to use a certain network of doctors a certain network of hospitals sometimes you need
a referral to go from a doctor to a specialist it's just more limited in my opinion and a
medicare supplement with original medicare gives you the freedom to go to any doctor
any hospital anywhere in the country and you don't have limitations like you do
in a medicare advantage plan but it is one of your choices and certainly something
that you understand so that gives you a pretty good overview in texas and again this is what we
do is we help make sure that you understand your choices so whichever way you choose
is the right way and we will do everything we can to make sure we get your pieces
in the right places so give me a call send me an email fill out the form on the home page of
medicareonvideo.com we'll get you an immediate quote so you know exactly what the cost is
and we'd be happy to help you from there so i hope you found this valuable have a fantastic day