Don't let all of the Medicare health insurance options in Montgomery County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you are looking for more information about your options click here.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Montgomery County Medicare Insurance Options
Medicare Part A (inpatient) and Medicare Part B (outpatient), commonly called Original Medicare, is the same for everyone with Medicare benefits, including Montgomery County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Montgomery County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Montgomery County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.
For most Montgomery County seniors cost is a factor, so let's talk about it. You have plans as low as $0.00 per month and some as high as $78.50 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 4 plans that give you prescription drug coverage and 0 that don't include it.
There are several different type of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Medical Savings Account (MSA). HMO and PPO plans are the most common. We identify the plan type and its benefits on each plan page.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
Are you aware that Medicare Advantage has an annual out-of-pocket spending limit? This feature, called the Maximum Out-of-Pocket (MOOP) expense, is what safeguards you from the threat of high medical bills. Each year the Centers for Medicare and Medicaid Services (CMS) sets the maximum and an alternative minimum MOOP that plans may offer, so be sure to look for it when comparing your health insurance options.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Montgomery County
Original Medicare offers Texas seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Texas (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in Montgomery County
One of the most important healthcare benefits needed by most Texas seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
You have a total of 6 Texas PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $29.10 per month. At the high end, premiums top out at $106.20 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Montgomery County, Texas
We've recently added all Montgomery County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Conroe, Magnolia, Montgomery, New Caney, Pinehurst, Porter, Willis, and surrounding areas.
This page was last updated on: 11/12/2014.