Medicare Advantage Plans in Texas
Info, Updates and Free Services with No Obligation to Enroll
How Medicare Works in Texas
Medicare is a federal health insurance program for individuals 65 and older, as well as those with disabilities or specific conditions. Texas follows the same Medicare guidelines as other states.
Medicare Part A covers hospital expenses, while Part B covers outpatient services like doctor’s visits and preventive care. Part D offers optional prescription drug coverage for an additional fee. Medicare Advantage plans, approved by Medicare, are alternatives to original Medicare.
It’s important for Texas residents to understand their Medicare options and make informed coverage decisions. Medicaid provides coverage for low-income individuals and may be necessary for Medicare recipients with limited income. Working with a trusted healthcare advisor ensures appropriate Medicare coverage. Stay updated on Medicare guidelines for uninterrupted access to healthcare.
When to Sign Up for Texas Medicare
Medicare Annual Enrollment Period takes place from October 15th through December 7th each year, during which individuals can make changes to their Medicare Advantage plan or Prescription Drug plan for the upcoming year.
Private companies also offer Medicare Supplement Insurance plans to help cover out of pocket costs not covered by Original Medicare (Parts A and B).
While Medicare can be a complex program, understanding the enrollment process and options available in Texas can help ensure that you have the best coverage for your needs.
How to Sign Up for Texas Medicare
Option 1: Online
People can visit www.Medicare.gov to enroll in Medicare online. They will need to create an account and fill out an application. Once the application is complete, CMS will automatically enroll them in Original Medicare (Parts A & B). If they want prescription drug coverage (Part D), they will need to select a plan during the enrollment process.
Option 2: Calling CMS
People can call CMS at 1-800-MEDICARE (1-800-633-4227) to speak with a customer service representative who will help them enroll in Medicare over the phone. TTY users can call 1-877-486-2048. People who are deaf or hard of hearing can call 711 for relay services. Representatives are available 24 hours a day, 7 days a week.
Option 3: Social Security office
People can visit their local Social Security office. These offices serve as a central hub where individuals can obtain information, ask questions, and complete the necessary paperwork to enroll in the Medicare program. Visiting the office ensures that individuals receive accurate and up-to-date information from knowledgeable representatives who can guide them through the enrollment process.
Fill out our quote form for a free consult (no obligation to enroll) with a licensed health insurance agent in a Medicare Supplement Insurance Plan, a Medicare Advantage plan, or a Prescription Drug Plan.
Texas Medicare – Find a Plan That’s Right For You
Texas Medicare Advantage Plans – Get the Coverage You Need
As you get older, it’s important to make sure that you have the financial security and peace of mind that come with having good health insurance. If you’re a senior citizen in Texas, you may be looking into your options for Medicare supplemental plans.
What is a Medicare Advantage Plan?
A Texas Medicare Advantage plan is an alternative way to receive your Medicare benefits. As we mentioned above, while traditional Medicare is administered by the federal government. Medicare Advantage plans are offered by private insurance companies that contract with Medicare.
In other words, if you enroll in a Texas Medicare Advantage plan, your coverage will be provided by a private insurer rather than the government.
Types of Texas Medicare Advantage Plans
Health Maintenance Organizations (HMOs)
HMOs have lower monthly premiums due to their requirement for in-network provider usage. Seeing a specialist or receiving out-of-area care may require personal payment as it falls outside the HMO’s coverage network. Enrollees must select a primary care physician (PCP) to oversee their care in HMOs.
Preferred Provider Organizations (PPOs)
PPOs provide flexibility by allowing enrollees to visit out-of-network providers, but at a higher cost compared to in-network providers. PPOs lack contracts with out-of-network providers, unlike in-network providers. Enrollees in PPOs are not required to choose a PCP or obtain referrals for specialists. However, PPOs generally have higher monthly premiums due to their larger networks and comprehensive services.
Private Fee-for-Service (PFFS) Plans
PFFS plans permit enrollees to visit any provider who agrees to accept the plan’s payment for covered services. There are no networks or need for referrals with PFFS plans. Due to their increased flexibility compared to HMOs and PPOs, PFFS plans often have higher monthly premiums.
Special Needs Plans (SNPs)
SNPs cater to individuals with specific chronic conditions, institutionalized individuals, and dual eligibles (eligible for both Medicaid and Medicare). SNPs provide customized care and benefits based on the needs of their enrollee population, which may exclude certain coverages like dental or vision.
How Do I Enroll in a Texas Medicare Advantage Plan?
You can enroll in a Texas Medicare Advantage plan during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after your 65th birthday. If you’re already enrolled in Original Medicare, you can switch to a Medicare Advantage plan during the Annual Election Period, which runs from October 15th to December 7th each year.
You can also enroll in a Texas Medicare Advantage plan if you qualify for Medicaid or have certain types of disabilities. If you qualify for a Special Enrollment Period, you can enroll in or switch to a Texas Medicare Advantage plan outside of the usual enrollment periods.
If you’re interested in signing up for a Texas Medicare Advantage plan, you can reach out to an Apollo licensed sales agent at 816-846-3217 or visit our website at apollo-insurance.com.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options 24 hours a day, 7 days a week. Please note that each insurer has sole financial responsibility for its products.
Not connected with or endorsed by the U.S Government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you. Apollo Insurance Group represents Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.
That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
Talk With A Helpful Licensed Sales Agent!
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Contact Us
(816) 608-4333
-CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.
By completing the form above, I understand that a Licensed Insurance Agent from Apollo Insurance Group may contact me via phone, email or mail to discuss Medicare insurance options. Calls may be made by auto dialer, text, or robocall and are for marketing purposes. Cellular carrier charges may apply. Providing permission does not impact eligibility to enroll or the provision of services. You can change permission preferences at any time by contacting (816) 608-4333. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Apollo Insurance Group is not affiliated with the federal Medicare program or the government. This is a solicitation for insurance.
Schedule Your Free Consultation To Get Personalized Help with Medicare Plan Options (No Obligation to Enroll)
What To Expect On Your Call With A Licensed Health Insurance Sales Agent:
- Enroll correctly to avoid penalties and ensure coverage.
- Understand your coverage so you aren't surprised by unexpected out-of-pocket expenses.
- Avoid selecting a plan that does not suit your needs.
- Be confident in your decision of selecting a plan that has coverage for what is important to you.
- Save time with our simplified process so you can spend more time doing what you enjoy.
- Our licensed health insurance sales agents work for you and with you to shop plan options available to find what suits your needs, and if requested may advocate on clients' behalf for issues with claims as well.
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