You have a wide range of Medicare and other senior health insurance options available to you in Tarrant County. To make shopping easier, use the navigation links below to show specific plan types. 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.
Tarrant 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 Tarrant County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
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 Tarrant County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Tarrant 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.
Monthly premiums in Tarrant County start at $0.00 and go as high as $78.50. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 4 Medicare Advantage plans offering prescription drug coverage. There are 2 plans that do not include prescription coverage. That's a total of 6 options!
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.
Zero dollar ($0) plans are available in most areas, but not all. Zero dollar does not mean free, it simply indicates that there's no additional monthly premium to enroll. However, you are still required to pay your monthly Part B premium. This is the case with all Medicare Advantage plans.
The most important benefit offered by Medicare Advantage insurance is the annual cap on your out-of-pocket expenses. The limit, called your Maximum Out-of-Pocket (MOOP) expense, is set each year by the Centers for Medicare and Medicaid Services (CMS). However, CMS allows plans to offer a lower alternative MOOP, so look for it. It's the MOOP that will help you sleep better at night knowing that a trip to the emergency room won't clean out your savings.
About one-third of all seniors on Medicare enroll in a Medicare Advantage plan. You can learn more about this private health insurance option on our Medicare Advantage Frequently Asked Questions page and our Medicare Advantage Coverage page.
Medicare Supplement Insurance in Tarrant County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
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.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Tarrant 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.
How-To Find a Medicare Doctor in Tarrant County, Texas
We've recently added all Tarrant 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 Arlington, Azle, Bedford, Colleyville, Crowley, Euless, Fort Worth, Grapevine, Haltom City, Haslet, Hurst, Keller, Kennedale, Mansfield, North Richland Hills, Southlake, and surrounding areas.
This page was last updated on: 11/12/2014.