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Original Medicare Part A and Part B are designed to provide you with some health coverage, but you are responsible for certain out of pocket expenses that can be unlimited.

What does Medicare pay for? Only a portion of your health insurance costs. Some of the costs that you would be responsible for under Medicare in 2010 are shown here:

• Part A deductible ($1100)
• Part B deductible ($155)
• Daily copayments for hospital stays over 60 days as follows: $275/day for days 61-90 and $550/day for days 91-150 
• $137.50/day for days 21 - 100 in a skilled nursing facility
• 20% coinsurance for all your outpatient needs, such as doctor visits, lab work, CT scans, chemotherapy, radiation, dialysis etc.

For this reason, most people purchase private health insurance policies for additional protection. There are two main types of Medicare insurance: a Medicare supplement insurance policy or a Medicare Advantage Plan, also referred to as Medicare Part C.

Medicare Part D (prescription drug coverage) pays for some of your prescription drug costs. You must join a prescription drug plan to get this coverage.

We offer you assistance in determining your Texas Medicare supplemental insurance options. For help, contact us by filling out our online information request form.  

Please note this website is not connected with or endorsed by the United States government or the federal Medicare program. We offer information and quotes for insurance only for your independent review of your Texas Medicare insurance options.